the future of online payment solutions
DESCRIPTION
Magnus Fredin, President of Sales KlarnaWebwinkel Vakdagen 2012TRANSCRIPT
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Payments solved
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Fyra steg till en bättre betalprocess
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Invoice is..
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History of payments online
1949 1995 2008
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Company facts
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• Market leader in Europe for invoicing solutions
• Turnover of EUR 80 million in 2011
• Profitable since first year
• 600 employees – 100% specialised on e-commerce/ payments
• More than 15,000 affiliated stores
• 6 Countries
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Owners
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• Owned by the founders, Sequoia, Öresund and personnel
Michael MoritzEx-board- Google- YouTube- PayPal- Sequoia Capital
- Facebook- Privalia- Alibaba Group
- Facebook- Twitter- Spotify- 360BUY
Klaus HommelsAngel Investor:- Xing- QXL- Skype- Spotify- Facebook
DST GLOBAL
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How do you pay online?
0%
15%
29%
38%
46%
48%
55%
84%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
Dont know
Cash on delivery
Paypal or other e-wallet
Manual money transfer beforedelivery
Single cheque (Eenmaligeincasso)
Creditcard
Per invoice (accept giro)
IDEAL
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Reason for not shopping online?
35%
7%
1%
8%
23%
26%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Others.
Dont know
I don`t want to disclose personaldata online
I am worried about the safety ofthe online payment procedure.
I rather shop in normal stores
Befor buying, I want to hold theproduct in my hands\test it
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Consumer
• Safe
• Simple
• Fast
Merchant
What is payments all about?
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Are we there?
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Nelly.NL
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Product page
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Checkout
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Checkout
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Pay with card
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Pay by card
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Buy now!
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Card number is saved
Press order now!
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Customer
Merchant
Credit scoring
E-wallets
Tech Standard brand
Payment gateways
Fraud prevention
Acquirer
Issuing bank
Pay
men
t S
tack
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How about risk?
• Assess the risk of transactions based on minimum amount of data
• Continuously reduce the amount of data we demand from the users
• Collect behavioral data of users
• Shops 3 o clock during the day VS. 3 o clock at night
• First generation – based on scoring companies
• Second generation – decision trees
• Third generation – internal behavior scoring
• Fourth generation – machine learning, continuously adapting to changes
• Maximize acceptance rates
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ZERO FRICTION VISION
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Buying should be like this:
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Paying should be like this:
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VS
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Choose Invoice !
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The world´s easiest mobile checkout!
Press BUY!
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Press BUY!
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Back to store!
Address!
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Bedankt!