Encap´s presentation at UK Payments Council´s yearly event called "Driving Change in Payments Conference 2012"

2. Intro
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3. The payment ecosystem
Messaging
Payment
facilitation
Funds
movement
SECURITY (authentication and anti-fraud)

4. Agenda
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8. Source: Economist, 08.10.2011
http://www.economist.com/node/21531109

9. Smartphone penetration
Source: Economist, 08.10.2011
http://www.economist.com/node/21531109

10. Source: Economist, 08.10.2011
http://www.economist.com/node/21531109

11. Source: Economist, 08.10.2011
http://www.economist.com/node/21530920

14. Advanced Payments
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Source: Edgar Dunn & Company, Advanced Payment Report 2011

15. Big players are lining up
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16. Security fears
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*Source: Avira
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17. Cost of Identity Fraud: US
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Source: Javelin Strategy & Research

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20. Secure
Cost
0 UN: *****
PW: ****** $ $
No security Usable security Un-usable security
2FA
Risk

21. Simple = Usable
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* Wikipedia

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26. PC-era authentication
solutions

27. Seamless

30. PC-era payments solutions

31. Post-PC era payment solutions

32. Post-PC era payments solutions
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33. Post-PC era authentication –
TCO comparison
Post-PC HW OTP Smart token OTP soft SMS OTP
token

34. Thanks for listening…