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From Payment to Digital WalletOlivier PERRINNovember 2015

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Competitiondecrease payment

revenues of 300 PSP in Europe

Regulations open up payment sector

to new players

New and different trends in PaymentsPayment is not the driver of customer journey anymore

Digital Wavecreates new services for

payments and beyond - 1,3 milliards of smartphone sell per

year (Gartner 2014)

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2015 New uses and customer

behaviourPayment has to be fully integrated in the customer journey

Are always connected to the web and social networks

Want immediate & multiple access to data and services

Want to access all their devices:

mobile, tablet and web

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7 billions mobile

Smartphones and web applications are more and more used in daily life (forecasts, mobile / web banking,…)

An API agregation platform offers a new channel for customers with the ability to propose Digital Wallets and wallet services.

From Payment toDigital Wallet Platform

These platform allow to industrialize design , deploy and execute digital wallets

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Cash

Payment Cards

Loyalty Cards

Identity Cards

Access Keys

Tickets

A Digital Wallet dematerializes all the thing a consumer’s physical wallet may contain …

… and incorporate other digital services: geolocation, advice, financial services, etc

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After the purchaseCustomer service

and budget Management

During the purchaseMake the purchase

more simple and user friendly

Before purchaseEncourage the purchase and

facilitate the decisionPurchase focused approach

Improve customers’ experience of shopping during each steps of purchase

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API aggregation Platform

Catalog of Services

API Management

App StudioBuild Mobile Native

A complete platform based on best of breed technologies for successful wallets

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Key pointsApp Studio

Designer Toolkit to develop mobile and tablet App based MDK Extend for business components

Simulation/tests : Set of tools to simulate and test applications

Deployment of native language applications

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Key pointsBack Office ServerAPI Management

API exposition Orchestration of services for each wallet Security and supervision

Catalog of services Built-in application and the services are used by the

wallets Embedded services provider

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Payment

Shopping Geographic IT

A catalog of services to enrich wallet service offering

Ticketing and Pass Bank Services

eServices

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2015 BANK: a brand a new digital

bank

Payments

Bank account Personal account and joint Bank overdraft Finance budgeting Notifications & account statements

Saving books

Visa card & Check on line Direct debit & credit transfer Insurance on payment card

Regulated Savings

Savings Savings Life insurance Trading / Share savings plan / Collective

investment products2015

Modern and classy User Interface Mobile & tablet Agent desktop and CRM Website and CMS Big Data & BI Controlling documents Scanning check Personal Finance Management Real-time NFC card activation Mobile enrolment Password management…

Innovating features

FOR

UX UI

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The information contained herein relates to Sopra Banking Software information, products and services. While all reasonable attempts have been made to ensure accuracy, currency and reliability of the content, all information is provided "as is". There is no guarantee as to the completeness, accuracy, timeliness or the results obtained from the use of this information. No warranty of any kind is given, expressed or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Sopra Banking Software be liable to you or anyone else for any decision made or action taken in reliance on the information herein or for any consequential, special or similar damages, even if advised of the possibility of such damages. Sopra Banking Software does not accept any responsibility for any errors or omissions, or for the results obtained from the use of this information. Information obtained should not be used as a substitute for consultation with Sopra Banking Software. References and links are provided as a service. Sopra Banking Software is not endorsing any provider of products or services, nor does it accept responsibility for the quality of goods and services provided by third parties. The content is protected by copyright and trademark laws. Apart from fair dealing for the purposes of private study, research, criticism or review, as permitted under copyright law, no part may be reproduced or reused for any commercial purposes whatsoever without the prior written permission of the copyright owner. All trademarks, logos and other marks shown are the property of their respective owners. Fonts licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0

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Tour Manhattan5, place de l’Iris – CourbevoieFR 92095 La Défense Cedex

www.soprabanking.com

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