Post on 13-Jul-2015
transcript
Who will win the battle of tomorrow’s payments?
Ingjerd Blekeli Spiten
Executive vice president eBusiness
Cash did not go under with checkbooks or cards
–now what?
The position as the world champion of cards and effective payments is being challenged…
… for how long?
0 50 100 150 200 250 300 350 400
Poland
Germany
Singapore
Ireland
Switzerland
Belgium
The Netherlands
United Kingdom
Sweden
Finland
Denmark
Canada
USA
Norway
Iceland
Card transactions per capita
Payments and cash withdrawals 2012
Source: Norges bank, ESB, BIS, Sediabanks Islands
The payment landscape is changing - new challengers are here
The payment landscape is changing - new challengers are here
Two main battles - Checkout and the digital wallet
”War of the Digital Wallets” ”War of the Check Out screen”
Sentral lagring av betalingsmidler
One-click kjøp
What does it take to be a winner?
#1 Commercialise and innovate with old alliances
Complicated checkout leads to
• abandoned shopping carts
• frustrated customers
• lower sales conversion
Kilde: DIBS e-commerce 2013
problem is even worse online
mobile devices and tablets
# 3 Make it easy to shop – in store
# 4 Make it easy to shop - online
1 Press «Buy with Masterpass»
when checking out
Easy login to the DNB
digital wallet
3 Confirm card and
shipping adress
2
#5 Be relevant and personalise
15
27 30
Everyday DNB Super
offer
Day before
Christmas eve
Expert Average revenue
DUMMY FIGURES
#6 Communication