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Branislav Popovićdirektor [email protected]
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MOBILNA PLAĆANJEmPOS
mobilna plaćanja platnim karticama
E-trgovina 2014
Top player for banking in SEE
1.700 employees in the region
450 employees in Serbia
Top 5 Truffel company (own SW)
Asseco SEE
Sofia
Ankara
Skopje
Belgrade
Tirana
Zagreb
Ljubljana
Podgorica
Prishtina
Sarajevo
Bucharest
Chisinau
11 countries
135m people
Software and competences have to be multilingual,
multicurrency
Listed on Warsaw stock exchange
http://www.gpw.pl/karta_spolki_en/PLASSEE00014/2
solutions for demanding business
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Focusing on value added to our Clients
Banking & Financial
63 out of 254 banks in SEE region* are using our CORE
systems and most of others are our clients
Payments
Transferring global trends into local markets and shaping the payment industry in the region
Telco & Utilities
Solutions are based on proven technologies and the latest
trends in IT.
Public Services & Government Custom made solutions for
diferent area in Public sector Solutions for geographical
and spatial data and systems for metropolitan networks
Asseco SEE Solutions and Services
*excluding Turkey
solutions for demanding business
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74 Banks have chosen ASEE to be their partner for ATM and 76 for POS
Asseco SEE - Payments
Payment Solutions & Services
EFTPOS & ATM
E-Commerce Payment Services
Payment solutions
Loyalty Solution
SEPA Direct debit
E-Banking
Universal Payment Gateway
Loyalty Couponing Installment E-Vouchers
eBanking SEPA direct debit 3DS & E-commerce
Mobile Payments NFC and Contactless
payment
solutions for demanding business
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mKupi- first regional mPayments project
Zagrebačka banka, Croatia
(member of Unicredit Group)
• First mobile payment solution in
cooperation with big retailers (Konzum,
Tisak)
• Leverage on existing infrastucture
(mbanking app + POS infrastructure)
• Simple & fast
• Upgrade to NFC for 2015
solutions for demanding business
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• First regional MNO Bank implementation
• launched 09/2014
• ASEE is FULL Solution provider!
• Core banking
• M banking
• eBanking
• Full function ATMs, recyclers • Advanced mobile services
• P2P payment
• Bill Payment
• PFM
Asseco – Telenor: first mobil Bank
solutions for demanding business
mPOS mobile payments with payments cards
New form of card acceptance front end system
combination of card reader device and mobile device (mobile phone or tablet) for communication and value added services
How mPOS work
solutions for demanding business
Clearing
Settlement
Authorization
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MC/Visa connection
card processing
Cash register app
C&P BT reader
Smartphone app
Payment GatewayPayment card
Card payment
Loyalty
Inventory
Reporting
Cache payment
Merchant mng
Terminal mng
Inventory
Loyalty
Reporting
Payment
Loyalty
mPOS ecosystemPost office -merchant
Customer Service Provider Acquirer
solutions for demanding business
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Smart phone or tablet application
Cash register application (Android&iOS)
Manage interaction with reader & Merchant server
Multi-Factor Authentication
Product Management
Payment method: cash or card
value added services
Transaction overview
Signature support
SMS or E-mail receipt
Optional printer support
API model support for existing solutions
Android & iOS
solutions for demanding business
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HW Example –reader
Full Chip & PIN companion for a Bluetooth enabled device: smartphone or Tablet
ASEE PayPro Telium2 platform app
Contactless support
High-end 1D/2D barcode reader option on iSMP
meets all security & payment standards: EMV, PCI PTS 3.0, PayPass™, PayWave™, etc.
Certified Payment App
Encryption service (SRED)
P2P encryption
solutions for demanding business
ASEE mPOS architecture
solutions for demanding business
mPOS use case 1 – Delivery service
Easy card acceptance for the delivery service
Compact and easy
Integration with the existing CRM application of the
client
Combination with Bluetooth printer possible
Example: Interspar/Spar delivery service, postal
services
solutions for demanding business
mPOS use case 2 – Small and Micro segment
Card acceptance for the previously uncovered segment
Estimation on ~5 000 000 Merchants in EU only
Small kiosks, in house repairs, beach vending, ticketing
etc.
Combination with Bluetooth printer possible
Turnkey solutions
solutions for demanding business
mPOS use case 3 – Taxi service
Card acceptance for the previously uncovered
segment
Integration to the existing taxi app via API mode
Upgrade with LBS features
Easy and compact
Combination with BT printer
solutions for demanding business
mPOS use case 4 – SME and Largeretail „off the shelf”
Introduced first by Apple in Apple Stores
Increases sale by 30%
Sell „off the shelf” without the standard checkout
process
Followed by Loewe’s, Victori Secret, JC Penney…
Upgraded to support standard cash register layout via
mPOS+ Tablet combination
