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Changing Times:
Trends in the
Payments Value Chain
Fintan Byrne, SVP & General Manager, TNS
Mark Beresford, Director, Edgar Dunn & Company
TNS – Central to the payments ecosystem
Major trends identified across entire stakeholder framework
Consumer Merchant
Payment
Technology
Provider
Acquiring
Bank
Card
schemes &
issuers
Stakeholder Framework
6 major trends were identified…
Value chain
expansion
Alternative
payment
methods
The way
customers
shop and
pay
New
business
models
Regulatory
changes
New players
6 major trends were identified…
Value chain
expansion
Alternative
payment
methods
The way
customers
shop and
pay
New
business
models
Regulatory
changes
New players
Technology is changing the way customers shop and pay. Merchants want to be
responsive but need to invest in the right technologies
Integrated multichannel – the offline and online worlds have merged
CARDS OFFLINE CARDS ONLINE
ONLINE PREPAID OFFLINE PAYMENT
M-WALLET
A bewildering array of investment choices
202019901980197019601950
Physical Digital
Cloud
computing
2000 2010
Customer interaction has changed
Click and collect expected to reach €20 to €25bn by 2018
Mobile shopping today
Paris
Chicago Seoul
London
London
Paris
Redesign of the point of sale
Combining virtual and physical worlds
Adidas
Marks & Spencer
Virtual mirrors
Mobile point of sale & tablets
 Personalised shopping
 Up-selling & cross-selling
 Stock checking
 Queue busting
 Assisted selling
 Wow factor
 Reduced walk-aways
Consumers beginning to embrace ‘tap to pay’ concept
UK
France
Spain
Germany
Italy
Ireland
Contactless terminals: 158,000
Contactless cards: 34.5 million
Number of transactions: 6 -7 million
Contactless terminals: 100,000 – 120,000
Contactless cards: 12.3 million
Number of transactions: 0.5 – 1 million
Contactless terminals: 180,000 – 200,000
Contactless cards: 3 – 4 million
Number of transactions: 1 – 2 million
Contactless terminals: 15,000 – 20,000
Contactless cards: 2 million
Number of transactions: n/a
Contactless terminals: 6,000
Contactless cards: ~ 1 – 2 million
Number of transactions: n/a
Contactless terminals: 6,000
Contactless cards: 1 – 2 million
Number of transactions: 0.5 million
Sources: UKCA, CB, Visa, MasterCard,
NFC Times (all figures are 2012/2013)
Progressive
Contactless
Markets
Nascent
Contactless
Markets
…laying the foundations for Mobile Wallets
How should retailers respond?
Security, simplicity & reliability must be maintained….
Yes
68%
No
32%
What are the key challenges you face to accept payments?
55% 55%
45%
42%
33%
18%
12%
Source: EDC 2013 Retailer Survey
Security
Simplicity
Reliability
Conclusion
Questions
Mark Beresford
Director, Edgar Dunn & Company
www.edgardunn.com
Fintan Byrne
Senior Vice President and General Manager, TNS
www.tnsi.com

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TNS Trends in the Payments Value Chain

  • 1. Changing Times: Trends in the Payments Value Chain Fintan Byrne, SVP & General Manager, TNS Mark Beresford, Director, Edgar Dunn & Company
  • 2. TNS – Central to the payments ecosystem
  • 3. Major trends identified across entire stakeholder framework Consumer Merchant Payment Technology Provider Acquiring Bank Card schemes & issuers Stakeholder Framework
  • 4. 6 major trends were identified… Value chain expansion Alternative payment methods The way customers shop and pay New business models Regulatory changes New players
  • 5. 6 major trends were identified… Value chain expansion Alternative payment methods The way customers shop and pay New business models Regulatory changes New players Technology is changing the way customers shop and pay. Merchants want to be responsive but need to invest in the right technologies
  • 6. Integrated multichannel – the offline and online worlds have merged CARDS OFFLINE CARDS ONLINE ONLINE PREPAID OFFLINE PAYMENT M-WALLET
  • 7. A bewildering array of investment choices 202019901980197019601950 Physical Digital Cloud computing 2000 2010
  • 9. Click and collect expected to reach €20 to €25bn by 2018
  • 10. Mobile shopping today Paris Chicago Seoul London London Paris
  • 11. Redesign of the point of sale Combining virtual and physical worlds Adidas Marks & Spencer
  • 13. Mobile point of sale & tablets  Personalised shopping  Up-selling & cross-selling  Stock checking  Queue busting  Assisted selling  Wow factor  Reduced walk-aways
  • 14. Consumers beginning to embrace ‘tap to pay’ concept UK France Spain Germany Italy Ireland Contactless terminals: 158,000 Contactless cards: 34.5 million Number of transactions: 6 -7 million Contactless terminals: 100,000 – 120,000 Contactless cards: 12.3 million Number of transactions: 0.5 – 1 million Contactless terminals: 180,000 – 200,000 Contactless cards: 3 – 4 million Number of transactions: 1 – 2 million Contactless terminals: 15,000 – 20,000 Contactless cards: 2 million Number of transactions: n/a Contactless terminals: 6,000 Contactless cards: ~ 1 – 2 million Number of transactions: n/a Contactless terminals: 6,000 Contactless cards: 1 – 2 million Number of transactions: 0.5 million Sources: UKCA, CB, Visa, MasterCard, NFC Times (all figures are 2012/2013) Progressive Contactless Markets Nascent Contactless Markets
  • 15. …laying the foundations for Mobile Wallets
  • 17. Security, simplicity & reliability must be maintained…. Yes 68% No 32% What are the key challenges you face to accept payments? 55% 55% 45% 42% 33% 18% 12% Source: EDC 2013 Retailer Survey Security Simplicity Reliability
  • 19. Questions Mark Beresford Director, Edgar Dunn & Company www.edgardunn.com Fintan Byrne Senior Vice President and General Manager, TNS www.tnsi.com