Integrated POS Integrated POS Solution

Jan 2010

Pine Labs Credentials

Our History

• 2004: Launched largest closed-user group loyalty

solutions in India for Retail Petroleum industry

– Petro Card solution for BPCL: more than 1.5M smart card holders, 4M transactions per month

– Fleet card program for IOCL: 1.5M card holders, over 2.5M transactions per month

• 2005: Introduced first PC-based card authorization application

– Used by leading Indian Retail chains and Banks

– EMV compliant and Visa certified

• 2006: Entered into organized retail sector with real-time

Our Partial Clients

• Blue Chip Retailers

– Future Group, Shoppers Stop, Vishal Megamart, Subhiksha, LG, Ritu Wears, Orix, Asian Paints, Globus, mChek

• Banks

– ICICI Bank, Citibank, Axis Bank, HDFC, HSBC, American Express

• Petroleum Companies

– Bharat Petroleum, Indian Oil Corporation

• 2006: Entered into organized retail sector with real-time Loyalty Solutions

– Strategic Alliance with largest international loyalty solution provider, LMG

– Expert in turn-key ASP solutions for Indian Retail segment

• 2007: Built bill payment network with Tata Teleservices

– Bill payment & ticketing payment network, launched at over 1000 Indian retailers

• 2008: Launched stored value card program in India

– Managing prepaid card program for Future Group, India’s largest retailer - including online and 3rd party distribution

Current POS functionality is limited by

conventional EDC solution

Payment TypesPayment

InstrumentsConnectivity

Back-end

Management

•Limited to retail purchases

•Only credit & debit cards

•Expensive dial-up connection

•Limited functionality on EDC

•Manual cr/dr reconciliation at PoS

•Offline loyalty and Gift Voucher programs

POS Transaction Flow

3

•Add mobile top ups, bill payment, ticketing, etc.

•Accept Prepaid and Gift cards, mobile prepaid accounts

•Consolidate applications on POS PC and integrate with Biller

•Automate & centralize

•Enable real-time rewards program

Product Portfolio

• Plutus Desktop & Server * Queue Busters• Plutus – Standing Instruction

• Nova Customer Loyalty Program• Campaign Management

• Bill Payment * Railway Ticket (IRCTC)

Payment

Loyalty

Value Added • Bill Payment * Railway Ticket (IRCTC)• Mobile Top-up * Flight Booking

• Close User Group Gift Card solution

• Petrol Pump Automation

Value Added Services

Gift Card

Petroleum Automation

NovaNova

Customer Loyalty Program

Program Evolution

Points Points Program

The Loyalty Program evolution has 4 stages

Program Introduction

Points Earning Stage

Points Burning Stage

Program Experiencing

Stage

The program design and implementation plan is proposed based on the stages of evolution. Pine Labs will deliver the end-to-end

solution to make the program the most successful loyalty program in India

Program Stages (1 of 2)

POINTS

+

+ Welcome kit along with the Loyalty Card. Points for

current purchase are credited to

customerCustomer visit store; purchase;

Fills Enrollment Form; Assigned

Loyalty Number -can be his mobile #

CARD

Points are credited to

customers for purchases

M&S

Mcdonald

Customer visit M&S or affiliate for next purchase. Swipes.

Loyalty card

LG

Big Bazaar

Yatro.com

POINTS

M&S Loyalty points statement updated with transaction; mailed to members on periodical basis

Points

Statemen

t

Customer visit outlet or affiliate with

Promotional offer from M&S or

Affiliate

Program Stage (2 of 2)

Customer desire for redemption

M&S

Big Bazaar

POINTS

Gift voucher of Affiliate Partner

Convert points into Partner

program Points

Redemption at the time of Purchase

OR

Create strong propositions for customer to redeem for M&S products; Metric for measure of success of the program

Rewards - Tier 1 to build loyalty across all members

Tangible ; Intangible Benefits

Points as Payment

Bundled Offers

Drive Tactical Goal

Birthday or Anniversary

offers

Rewards - Tier 2 to enhance behavioral loyalty on select few

Tangible ; Intangible; Experiential Benefits

Gifts

(Voucher / memento)

Exclusive Previews of new range

Drive Strategic Goal

Free Membership

Offers

Reward based

on RFM

scores

Time Linked

Rules

Gift

Discount Coupons

Offers

FLEXIBLE LOYALTY RULES

• Spend Rs. 5000 in October and win

• Win 100 points on every visit

• Happy hours

• Inaugural offers

• Special schemes during festival duration

• Sweepstake and surprise gifts

• Every tenth customer gets a free gift!

Examples

Nova – at a glance

Card & Mobile account

Management

Program Management

(Loyalty, Prepaid, Gift)

Merchant Management

EDC POS Terminal

Management

Promotional Messaging &

Coupons

Rewards/Redemption

Management

Redemption Catalogue

Management

Redemption Fulfillment &

Tracking

Business Intelligence &

Reporting

Loyalty/Prepaid/Gift

Transaction ManagementMembership & Tier

Management

Management

User Roles & Access

Management

Contact Centre

Management

Inventory Management

Tracking

Campaign Management

Customer Web Portal

Web User Interface

Audit Trails Multi Channel Outbound

CommunicationThird Party Integration

Pine Labs offers full-service solution

that supports highest quality standards

Full-service solution

Seamless

• Card production and encoding• Coordination with agency on art work and promotions• Distribution and inventory management• Installation and maintenance of POS application• Third-party distribution through reputable retailers

• Easy activation and redemption via card or mobile phone• Single swipe redemption - plus split transactions and multi-Seamless

customer experience

Robust technology

• Single swipe redemption - plus split transactions and multi-card redemption

• Personalized message on plastic• Customer helpline and online account status check

• Online, real-time card and transaction data management• Easily integrated into existing checkout process• Highly scalable and configurable processing host• Centralized card management

Successful Track Record

Banks

Retail

Petroleum Partners

• Preferred PoS solution for Indian Blue Chip banks and retail chains � Plutus is being used by leading Indian Retail chains and Banks, including Shoppers Stop, Future Group, Reliance

Retail, Vishal Mega Mart, ICICI Bank, HDFC Bank, Axis Bank, Citibank Amex, and HSBC etc.

• Expert in turn-key ASP loyalty solutions for Retail segment� Pine Labs is managing the loyalty program for a number of customers, including IOCL, Asian Paints, Ritu Wears,

ORIX etc., wherein we provide program operations and management services on an ASP model.

• Provider of largest Prepaid Card solutions in India (Petro Card for Bharat Petroleum (BPCL))� Designed & developed complete Petro Card solution for BPCL. Handling more than 1.5M smart card holders, over 4M

transactions per month, with over US$600M revenue handled per year.� Pine Labs manages the full solution and provides 24X7 application support and systems operations.

Pine Labs Credentials

• Fleet Card for Indian Oil Corporation (IOCL) � Fleet card program for IOCL which has ~1.5M registered magnetic strip card holders� Over 2.5M transactions per month, handling US$1.8B revenue per year. Running in over 5,000 retail outlets.� 24x7 program management by Pine Labs - Server and Database hosting, POS terminal deployment and field support,

complete card lifecycle management processes like customer enrolment and card issuance, welcome kit preparation and dispatch, card hot listing, card replacement etc.

• Strategic Alliance with largest international loyalty solution provider � Pine Labs is developing loyalty solution for Loyalty Management Group which owns and operates Nectar - the UK's

largest customer reward program with more than 50% of all UK households participating.

• Advantages of local market knowledge� Pine Labs has deployed and is maintaining over 16,000 PoS in market - 20,000 by the end of the year.

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