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© Swedbank

Online Shopping Trends Jo Lawrence - Senior Relationship Manager, DataCash – a MasterCard company

Raimonds Keris - E-Commerce Baltic Product Manager - Swedbank

© Swedbank

Who is DataCash?

Online Shopping Trends 2

• DataCash is part of the

MasterCard group

• Technical Solution Provider to

Swedbank, specializing in

multi-channel payment

solutions

• Global trade with focus on

European market, inclusive of

Lithuania, Latvia and Estonia.

• Offer world class fraud

management services

• Expertise working

with small through to

large merchants

across all sectors

• Enable merchants to

accept a wide variety

of payments,

including credit &

debit cards, e-wallets

& alternative

international payment

options

© Swedbank

Global Digital Payments


33,000 Merchants

112 Acquirers

Operating in 40+ countries

Supporting 177 currencies &

40+ payment types

€1.3 Billion

Transactions Annually

27% year on year transaction growth

© Swedbank

Servicing some of Europe’s Leading Brands


Retail

Leisure

Telecoms

Travel

Government Gaming

Financial Other

Various Borough Councils

4

http://www.irishbroadband.ie/admin_images/Tesco Logo Colour.jpg

http://www.morrisons.co.uk/

http://www.carphonewarehouse.com/

http://www.flybe.com/

http://www.tuitravelplc.com/tui/

http://www.uk.atosorigin.com/en-uk/Olympic_Games/

http://www.londonstockexchange.com/home/homepage.htm

http://www.hiscox.co.uk/

http://www.closebrothers.co.uk/default.aspx

http://www.thecollinsongroup.com/index.html

http://www.dhl.co.uk/publish/gb/en.high.html

http://www.philips.co.uk/index.page

© Swedbank

Current and emerging trends

© Swedbank

Continued e-commerce growth


‘ Global B2C E-Commerce Sales & Shares Report 2013

‘’ eBay cross-border Ecommerce sales report 2013

• Business Internet Technology

• Deloitte

E-Commerce has

reached above 5% of

total retail sales

worldwide

By 2018, cross-border

online shopping will

increase to €244

billion with 130 million

cross-border online

shoppers

USA, UK and China are the

most popular overseas

markets to buy from

Global E-commerce

sales to exceed

€1 trillion this year

smartphones used for

in-store sales, on retail

purchases, will increase

to 19% of total store

sales by 2016

M-Commerce, has

already risen

55% compared to a

year ago

© Swedbank

Emerging innovations


© Swedbank

Drivers of digital evolution


Supply Conditions

Demand Conditions

Innovation and Change

Access Infrastructure

Bandwidth, servers,

security and accessibility

of digital content

Internet & Social Media

Savviness

Broadband and mobile

Internet use, use of

informational websites,

social media usage

Financial Savviness

Consumer use of financial

services and digital

payment technology

Extent of Disruption

User adoption new tech and

services, advertising

Ecosystem

Attractiveness &

Competitive Landscape

Private equity investment,

business focus on

customers

© Swedbank

Expansion is key to growth


Multi-channel customers

on average spend

between 15-30% more

than single channel

customers

© Swedbank

Baltic trends

E-commerce trend in Baltic

+3%

+10%

Transactions

+40%

+10%

+30%

+15%

© Swedbank Online Shopping Trends

+30% +10%

E-commerce trend in Baltic Volume

+65%


© Swedbank

Essential functionality and services for e-commerce success

© Swedbank

Key features for success


• Support for mobile

• 3-D Secure

• Tokenisation

© Swedbank

Support for mobile


ENHANCED CUSTOMER EXPERIENCE

INCREASED CONVERSION

RATE

Optimising ecommerce sites for smart devices is now common industry practice

Merchants have not stopped innovating... Mobile Optimised Hosted Payment

Pages

One merchant using the

DataCash platform recorded

online mobile sales of more than

€1.5 million on one Saturday night

as 13% of customers used their

mobile devices to purchase food

© Swedbank

3-D Secure


Authenticated payment system to improve

online transaction security and encourage

the growth of e-commerce payments.

• Increases customer confidence when

shopping online

• Protects cardholder against unauthorized use.

Added layer of fraud protection

• Can result in liability shift

© Swedbank

Tokenisation


Converts card numbers into

tokens

Tokens:

are unique, just like a card

can be used to perform

authorizations instead of card

numbers

Benefits

No storage of Card numbers

lowers Merchants’ PCI

requirements

Enhances efficiency of customer

shopping experience

Encourages repeat purchases


A new e-commerce solution for merchants including enhanced payment

functionality needed to do business online

Multiple payment

options for consumer Merchant

e/m–Commerce site

Cards


Transaction switching and

fraud screening for

merchants.

Bank Link

Payment methods

Swedbank will offer a Virtual Terminal for Online Merchants


Swedbank Payment Portal Provides functionality merchants need to

successfully expand into e-commerce

• Meets acceptance needs - processes extensive

range of card and non-card payment types and

supports mobile

• Secure – incorporates 3-D Secure and sophisticated

fraud management tool to minimize risk of

chargebacks without impacting genuine sales

• Creates a positive customer experience to

encourage repeat purchases – Tokenization

• Accommodates Retail business model - enables

split shipment and recurring payments

• Highly resilient processing capacity – powered by

DataCash – a MasterCard company


Merchant reporting tool

• Monitor and manage

transactional information

• Carry out manual

processes which include

cancellations, refunds and

fulfillments.

• Available for fast and easy

access to real-time

transaction data 24 hours a

day 7 days a week.




Integration for merchants is a

quick and seamless process.

The methods available minimize

shopping cart abandonment

through creating a quick,

secure, seamless customer

experience:

• Direct API

• Hosted payment pages (HPS

or HCC) – reduce burden of

PCI compliance

Card payment page Integration methods

Available languages:

English, Estonian, Latvian, Lithuanian,

Swedish, Norwegian and Danish.

Russian available in Nov 2014.



• Get your online business up and running

quickly – with a quick and seamless integration

• Create a positive customer experience –

through a quick, undisrupted checkout and

features that aid convenience for the consumer

• Optimize online sales – through a payment

process consumers can trust is secure

• Reduce security burdens of compliance with PCI

DSS requirements and minimizing fraud

Benefits


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