15 September 2015 By NAOME bvba (Confidential)1
Leon Dhaene
1 January 2014
Network of Alliances,
Outsourcing and Merger
Ex...
2 15 September 2015By NAOME bvba (Confidential)
Expertise
 Retail banking, payments and cards
 Business Alliances and Gl...
3 15 September 2015By NAOME bvba (Confidential)
Customers
 Large international financial institutions :
like ABN AMRO, IN...
4 15 September 2015By NAOME bvba (Confidential)
Sectors
 Finance : banks, banking corporations,
financial services provid...
5 15 September 2015By NAOME bvba (Confidential)
NAOME
Organisation
(+3 lead cases per activity segment)
NIMF
(NAOME Invest...
6 15 September 2015By NAOME bvba (Confidential)
Business
Development
Processors Payment
Schemes
Solution
providers
Acquiri...
7 15 September 2015By NAOME bvba (Confidential)
Strategic
Consulting
Leasing /
fleetBanking
Solution
providers
Payment
Sch...
8 15 September 2015By NAOME bvba (Confidential)
SEPA
Banking
Payment
Schemes Processors Regulatory /
Associations
Outsourc...
9 15 September 2015By NAOME bvba (Confidential)
Corporate
Coaching &
Investment
Payment
Schemes
Solution
providers
E-
Invo...
10 15 September 2015By NAOME bvba (Confidential)
Outsourcing
RFP support
Outsourcing RFP support
11 15 September 2015By NAOME bvba (Confidential)
New solutions
E-Invoicing Payment
Schemes
MobilityIdentificationAcquiring...
12 15 September 2015By NAOME bvba (Confidential)
TeleTech
THE COMPANY
 Customer care management company
 25 years old, 3...
13 15 September 2015By NAOME bvba (Confidential)
Touch
ClarityTHE COMPANY
 Content targeting and software for the creativ...
14 15 September 2015By NAOME bvba (Confidential)
Archivas
THE COMPANY
 Solutions for a more efficient management of your ...
15 15 September 2015By NAOME bvba (Confidential)
ABN AMRO
PRIVATE
BANKING
THE COMPANY
 Top 10 global private bank :
– 20 ...
16 15 September 2015By NAOME bvba (Confidential)
LeasePlan
Belgium
THE COMPANY
 LeasePlan Belgium :
– Car leasing market ...
17 15 September 2015By NAOME bvba (Confidential)
Travelcard
THE COMPANY
 Travelcard only has Dutch clients, approx.:
– 4,...
18 15 September 2015By NAOME bvba (Confidential)
PayLife
THE COMPANY
 Former Europay Austria :
– Issuer of 1 mio MasterCa...
19 15 September 2015By NAOME bvba (Confidential)
FINTRAX
THE COMPANY
 Innovative financial services company, based in Ire...
20 15 September 2015By NAOME bvba (Confidential)
Securex
THE COMPANY
 Belgian market leader in Social Management Services...
21 15 September 2015By NAOME bvba (Confidential)
Open
Channel
SolutionsTHE COMPANY
 Leading global provider of software s...
22 15 September 2015By NAOME bvba (Confidential)
Antwerpse
Waterwerken
THE COMPANY
 Belgian market leader in Water Manage...
23 15 September 2015By NAOME bvba (Confidential)
CETREL
THE COMPANY
 Card issuer & acquirer, and processing company
for t...
24 15 September 2015By NAOME bvba (Confidential)
FIRST DATA
INTERNATIONAL
THE COMPANY
 Global leader in electronic commer...
25 15 September 2015By NAOME bvba (Confidential)
Visa Europe
THE COMPANY
 Provides the brand, systems, services and rules...
26 15 September 2015By NAOME bvba (Confidential)
Keesing
Reference
Systems
THE COMPANY
 Specialist provider of verificati...
27 15 September 2015By NAOME bvba (Confidential)
MasterCard
Europe
THE COMPANY
 Provides the brand, systems, services and...
28 15 September 2015By NAOME bvba (Confidential)
Keesing
Reference
Systems
THE COMPANY
 Specialist provider of verificati...
29 15 September 2015By NAOME bvba (Confidential)
Total Systems
Europe
THE COMPANY
 Market leader in electronic payment se...
30 15 September 2015By NAOME bvba (Confidential)
PaySquare
THE COMPANY
 Issuer of MasterCard and Visa credit cards in the...
31 15 September 2015By NAOME bvba (Confidential)
MasterCard
Europe
THE COMPANY
 Provides the brand, systems, services and...
32 15 September 2015By NAOME bvba (Confidential)
Trionis
THE COMPANY
 Processing company, formerly part of Eufiserv,
now ...
33 15 September 2015By NAOME bvba (Confidential)
PayFair
THE COMPANY
 PayFair intends to launch a new instant debit payme...
34 15 September 2015By NAOME bvba (Confidential)
ING
THE COMPANY
 Global financial institution with more than
85 million ...
35 15 September 2015By NAOME bvba (Confidential)
Keyware
THE COMPANY
 Second largest Network Service Provider in Belgium....
36 15 September 2015By NAOME bvba (Confidential)
BNP PARIBAS
THE COMPANY
 European leader in global banking and financial...
37 15 September 2015By NAOME bvba (Confidential)
EMPIRIA GROUP
THE COMPANY
 Organiser of major conference in payments sys...
38 15 September 2015By NAOME bvba (Confidential)
IDES
TECHNOLOGIES
THE COMPANY
 Start-up company specialised in risk mana...
39 15 September 2015By NAOME bvba (Confidential)
ADVALVAS
THE COMPANY
 Company specialised in complex e-invoicing
environ...
40 15 September 2015By NAOME bvba (Confidential)
BUREAU EUROPEEN
DES UNIONS DE
CONSOMMATEURS
THE COMPANY
 Defending the i...
41 15 September 2015By NAOME bvba (Confidential)
WIPRO
THE COMPANY
 Global information technology, consulting and
outsour...
42 15 September 2015By NAOME bvba (Confidential)
Tescobank
THE COMPANY
 Created in 1997, jointly owned by Tesco and RBS, ...
43 15 September 2015By NAOME bvba (Confidential)
bpost
THE COMPANY
 Created in 2010, jointly owned by the Belgian State (...
44 15 September 2015By NAOME bvba (Confidential)
PAYMENT SERVICES
MARKET EXPERT
GROUP / EUROPEAN
COMMISSIONTHE COMPANY
 O...
45 15 September 2015By NAOME bvba (Confidential)
RS2
ADVISORY BOARD
THE COMPANY
 RS2 Software p.l.c., is a global provide...
46 15 September 2015By NAOME bvba (Confidential)
Analyst
Consultations
THE SERVICE
 “Analyst Consultations” are usually s...
47 15 September 2015
Customers
…and more…
© 2015 N2Finance
CONFIDENTIAL
48 15 September 2015By NAOME bvba (Confidential)
Customers
Analyst
Consultations
49
 NAOME is part of a Pan-European network,
using the common N2Finance network brand
 The main activities :
– Business ...
50 15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Facing the Future
of FinanceTHE TAGLINE
 Facing :
– N2Finance experts are sea...
51
 N2Finance is probably the first implementation of the concept of Network
Externalities in a European Business Develop...
52 September 15, 2015© 2004 N2€
New solutions
to market
European
corporations
Network
externa-
lity
Strategic
vision on
bu...
53
 N2Finance experts have a vision of the Future of the financial sector,
and constantly check this Vision versus new de...
54
 N2FINANCE groups
45 experts covering
22 European markets
 Covering all aspects of
payments :
– Credit transfers
– Di...
55 15 September 2015By NAOME bvba (Confidential)
CONTACT :
Leon Dhaene
Managing Director - NAOME bvba
Chairman – N2FINANCE...
of 55

NAOME N2FINANCE at work 20150401

Published on: Mar 3, 2016
Source: www.slideshare.net


Transcripts - NAOME N2FINANCE at work 20150401

  • 1. 15 September 2015 By NAOME bvba (Confidential)1 Leon Dhaene 1 January 2014 Network of Alliances, Outsourcing and Merger Experts & n2finance present… …@ work … Strictly Confidential
  • 2. 2 15 September 2015By NAOME bvba (Confidential) Expertise  Retail banking, payments and cards  Business Alliances and Global Business Agreements  Mergers / Acquisitions / Integration & Convergence  E-invoicing and self-billing  Single Euro Payments Area (SEPA) & Payment Services Directive (PSD)  Corporate Governance & new organisational structures  Outsourcing Business Processes and Change Management  Business development & new market introductions  CRM / Global Key Account Management  Customer services outsourcing & call centers  Debit and credit cards / issuing, acquiring and card acceptance  Leasing sector  Loyalty programmes and technology  Risk management and fraud detection solutions  Petrol & fleet cards  Managing Global Teams, etc…
  • 3. 3 15 September 2015By NAOME bvba (Confidential) Customers  Large international financial institutions : like ABN AMRO, ING, BNP PARIBAS, Tescobank, Crédit Agricole, Invex Banco…  International payment schemes : like Visa Europe, MasterCard Europe, …  Large global processors in financial transactions : like First Data International, TSYS, Trionis, RS2, …  Large global corporations : TeleTech, LeasePlan, Wipro, bpost…  Large national companies : like Travelcard, Antwerpse Waterwerken, Securex, Keyware, European Merchant Services,…  National Associations : like CETREL, Paylife, PaySquare…  New payment schemes : PayFair, STS Group…  Regulatory and lobbying : European Commission, BEUC, Belgian Federal Government…  Specialist companies : like FINTRAX, OCS, TouchClarity, Archivas, Keesing Reference Systems, IDES Technologies, Pay & Save, AdValvas,…  Capital Venture companies, seeking investment advice
  • 4. 4 15 September 2015By NAOME bvba (Confidential) Sectors  Finance : banks, banking corporations, financial services providers, payment systems, network services providers, suppliers to the finance sector / payments business, regulatory, cards, e-invoicing, post office, loyalty programmes, risk management and fraud detection  Mobility : leasing, automotive, petrol, transportation solutions  Environmental : water management  Outsourcing : call center technology, transaction processing, network services providrs  E-commerce : risk management, fraud detection, couponing, loyalty  Enterprise software : e-commerce, archiving and electronic document management, e-invoicing  Regulatory & lobbying : studies in acceptance and consumer retail payments  Venture capital
  • 5. 5 15 September 2015By NAOME bvba (Confidential) NAOME Organisation (+3 lead cases per activity segment) NIMF (NAOME Investment Management Fund) • Coach innovators to market • Assist in the search for venture capital • Provide organisational support & understand markets • Lead startup / second round funded company to reach for critical commercial mass OUTSOURCING & business rationalisation • Define operational excellence • Identify operational cost reductions • Assist in business process re-engineering • Specialists in RFI / RFP • Build / review business plans • Innovate (e-Commerce, e- Invoicing, payments, …) ALLIANCES & MERGERS & Strategic Consulting • Coach Board / Management in strategic reviews • Identify new trends & evaluate innovations • Negotiate business deals, new contracts, take-overs, … • Penetrate new markets, new sectors, new business…
  • 6. 6 15 September 2015By NAOME bvba (Confidential) Business Development Processors Payment Schemes Solution providers Acquiring domain Outsourcing
  • 7. 7 15 September 2015By NAOME bvba (Confidential) Strategic Consulting Leasing / fleetBanking Solution providers Payment Schemes Processors Others
  • 8. 8 15 September 2015By NAOME bvba (Confidential) SEPA Banking Payment Schemes Processors Regulatory / Associations Outsourcing Leasing / fleet
  • 9. 9 15 September 2015By NAOME bvba (Confidential) Corporate Coaching & Investment Payment Schemes Solution providers E- Invoicing Services providers
  • 10. 10 15 September 2015By NAOME bvba (Confidential) Outsourcing RFP support Outsourcing RFP support
  • 11. 11 15 September 2015By NAOME bvba (Confidential) New solutions E-Invoicing Payment Schemes MobilityIdentificationAcquiring domain E-Communities
  • 12. 12 15 September 2015By NAOME bvba (Confidential) TeleTech THE COMPANY  Customer care management company  25 years old, 33,000+ staff in 16 countries  Broad set of solutions for customer care, covering netware, software, consultancy, on demand services, training, channel integration, etc… THE JOB  Strategic consultancy business development Europe Business Development Strategic Consulting SEPA Outsourcing
  • 13. 13 15 September 2015By NAOME bvba (Confidential) Touch ClarityTHE COMPANY  Content targeting and software for the creative optimisation in the on-line channel  5-20% overall increase in sales or revenue through targeting-enabled pages  Management of sales targets on-line by product  Flexibility to accommodate business constraints and acquisition values for online channel  No politics - decisions of what product to serve are objective and commercial  Campaign management and scheduling tool  Valuable learning about successful creative attributes  Strategic component of CRM (integration of online visitor profiles) THE JOB  Strategic consultancy  Business Development Plan Benelux Strategic Consulting Business Development
  • 14. 14 15 September 2015By NAOME bvba (Confidential) Archivas THE COMPANY  Solutions for a more efficient management of your digital information  Solutions compliant with new regulation, new marketing needs, and new archiving technologies (both software and hardware)  Integrated security and destruction mechanisms  Think of the impact of Basel II, Sarbanes-Oxley, the Patriot Act, etc… on your data storage requirements THE JOB  Strategic consultancy business development Europe Business Development Strategic Consulting
  • 15. 15 15 September 2015By NAOME bvba (Confidential) ABN AMRO PRIVATE BANKING THE COMPANY  Top 10 global private bank : – 20 countries – 142 billion € assets THE JOB  Propose a strategy for a global payment system  Integrating cards, credit lines and payment systems  Offering competitive solutions superior to 7 global competitors Strategic Consulting SEPA
  • 16. 16 15 September 2015By NAOME bvba (Confidential) LeasePlan Belgium THE COMPANY  LeasePlan Belgium : – Car leasing market leader in Europe – Market leader in Belgium with over 6,000 customers, using 55,000 cars THE JOB  LeasePlan EasyCard project Belgium : – Creation of an authorisation network for maintenance, repair, and tyres – Increased automated approvals to 90% – Driver approval via card and PIN – Flexible petrol card functionality, integrated in the LeasePlan EasyCard  E-invoicing project Belgium – Automation of 200,000 incoming invoices : staff cost reduction by 25% – Automation of outgoing invoices for over 3,600- customers Strategic Consulting SEPA RFP support New solutions
  • 17. 17 15 September 2015By NAOME bvba (Confidential) Travelcard THE COMPANY  Travelcard only has Dutch clients, approx.: – 4,000 ‘direct’ clients – 70 Leasing Companies  > 200,000 Fuel Cards, 440 million litre, 4% market share  Fully owned by LeasePlan, one of the biggest Leasing Company in the world : – Approx 30 countries – 1.2 million cars THE JOB  Strategic consultancy business development Brasil  Strategic consultancy business development Europe Business Development Strategic Consulting SEPA New solutions
  • 18. 18 15 September 2015By NAOME bvba (Confidential) PayLife THE COMPANY  Former Europay Austria : – Issuer of 1 mio MasterCard (35 mio transactions) – Issuer of 7 mio Maestro cards (240 mio transactions) – Acquirer of 100,000+ merchants THE JOB  Advise on a post-SEPA payments strategy  Analyse current / future card processing requirements  Clusteranalysis payment opportunities versus processing needs  Coach RFP-team for outsourcing of transaction processing Strategic Consulting SEPA RFP support Outsourcing New solutions
  • 19. 19 15 September 2015By NAOME bvba (Confidential) FINTRAX THE COMPANY  Innovative financial services company, based in Ireland, specialising in Payment Solutions for banks, merchants and tourists.  Offers Dynamic Currency Conversion in 8 countries THE JOB  Advise on a post-SEPA payments strategy  Analysis of major trends in European banking, payment systems, and processing, and impact assessment Strategic Consulting SEPA
  • 20. 20 15 September 2015By NAOME bvba (Confidential) Securex THE COMPANY  Belgian market leader in Social Management Services  1,350- employees  69,000 associated companies  100,000 associated individuals THE JOB  Advise on a strategy to create new local offices and the management of business development in new geographical area’s  Create a new operating model, inclusive new profiles for recruitment, for the local offices Strategic Consulting
  • 21. 21 15 September 2015By NAOME bvba (Confidential) Open Channel SolutionsTHE COMPANY  Leading global provider of software subscription and e-business management solutions that enable software-as-a-service.  The company’s self-service offerings help organizations increase software renewal revenues, extend their reach and manage sales in the growing SMB market through multi-tiered channels, effectively distribute electronic software and content, and eliminate costly, inefficient e-business IT processes.  OCS is headquartered in Norwood, MA, and has offices in Utah, the Netherlands, Japan and Australia. THE JOB  Strategic consultancy business development Europe  Facilitated contract with major mobile phone manufacturer Business Development Strategic Consulting
  • 22. 22 15 September 2015By NAOME bvba (Confidential) Antwerpse Waterwerken THE COMPANY  Belgian market leader in Water Management Services (collection & distriubtion of drinking-water, collection & purification of waste water)  500- employees  156,000 customers THE JOB  Advise on new strategies for the Customer Contact Center  Coach the Project Management Team in describing the requirements, needs and targets for the new Customer Contact function  Counsel on the construction of a Request for Information / Request for Proposal for the Call Center, and the evaluation matrix to be applied on the different solution suppliers Outsourcing RFP support
  • 23. 23 15 September 2015By NAOME bvba (Confidential) CETREL THE COMPANY  Card issuer & acquirer, and processing company for the Luxembourg banks : – Owned by 11 Luxembourg banks – 1.1 million cards issued – 12,000 merchants in Luxembourg and Belgium – 100 million transactions per year THE JOB  Advise on a post-SEPA payments strategy  Analyse Unique Selling Proposition and map versus European market interest  Business Development Plan Belgium Business Development Strategic Consulting SEPA
  • 24. 24 15 September 2015By NAOME bvba (Confidential) FIRST DATA INTERNATIONAL THE COMPANY  Global leader in electronic commerce and payment solutions, servicing 5 million merchants and 1900 card issuers worldwide THE JOB  Advise on their proposed Solution Offering Catalogue (or Product Matrix) in the context of a post-SEPA payments strategy  Provide strategic consultancy for 14 key markets in the EMEA Region  Define a limited set of options within 9 subject categories, which would enable the full set-up and running of a credit, debit, retail or loan card portfolio Strategic Consulting SEPA
  • 25. 25 15 September 2015By NAOME bvba (Confidential) Visa Europe THE COMPANY  Provides the brand, systems, services and rules that enable electronic payments between millions of European consumers, businesses and merchants.  Association of 4,500 European banks in 36 countries THE JOB  Assist Visa Europe in entering into new market niches Business Development
  • 26. 26 15 September 2015By NAOME bvba (Confidential) Keesing Reference Systems THE COMPANY  Specialist provider of verification tools and solutions to authenticate ID documents and banknotes, since 1923.  More than 6000 clients in 120 countries. THE JOB  Advise the Board of Directors & the Management Team on a strategic business development plan for Europe, integrating the newest legislation regarding identity control for corporations and public services, and the different regulations and recommendations of the different trade associations into a new tool for identity management and control. Strategic Consulting New solutions
  • 27. 27 15 September 2015By NAOME bvba (Confidential) MasterCard Europe THE COMPANY  Provides the brand, systems, services and rules that enable electronic payments between millions of European consumers, businesses and merchants.  Association of 25,000 member banks in 210 countries worldwide THE JOB  Advise the Chip Centre of Excellence about the chip personalisation utility business & functional requirements and business case, competitive advantages and delivery & distribution methods. Strategic Consulting
  • 28. 28 15 September 2015By NAOME bvba (Confidential) Keesing Reference Systems THE COMPANY  Specialist provider of verification tools and solutions to authenticate ID documents and banknotes, since 1923.  More than 6000 clients in 120 countries. THE JOB  Formulate a U.K. Business Strategy following new identity management legislation and create a U.K. Business Development Plan. Business Development Strategic Consulting
  • 29. 29 15 September 2015By NAOME bvba (Confidential) Total Systems Europe THE COMPANY  Market leader in electronic payment services to financial institutions and companies.  More than 300 clients in 75 countries worldwide.  6,700 team members in 15 countries. THE JOB  Strategic market entry plan for Turkey.  Business development Turkey. Business Development Strategic Consulting SEPA
  • 30. 30 15 September 2015By NAOME bvba (Confidential) PaySquare THE COMPANY  Issuer of MasterCard and Visa credit cards in the Netherlands  Dutch national acquirer of MasterCard, Visa, JCB, China Unionpay, Maestro, American Express. THE JOB  Advise the Management Team as to the international expansion of PaySquare, in e-commerce and POS acquiring by identifying prospect markets and sectors, outlining market entry strategies, defining commercial strategies and high level sales implementation plans. Business Development
  • 31. 31 15 September 2015By NAOME bvba (Confidential) MasterCard Europe THE COMPANY  Provides the brand, systems, services and rules that enable electronic payments between millions of European consumers, businesses and merchants.  Association of 25,000 member banks in 210 countries worldwide THE JOB  Advise MCE as to the key components their member banks should know about SEPA – PSD compliance  Put together a detailed course curriculum regarding debit SEPA compliance. SEPA
  • 32. 32 15 September 2015By NAOME bvba (Confidential) Trionis THE COMPANY  Processing company, formerly part of Eufiserv, now joint venture between Eufiserv and First Data, providing a unique offering in the issuer-to-acquirer services : – 78,000 ATM’s – 1.5 million POS – 165 debit and credit cards as issuer processor THE JOB  Organise, lead and coach the Managing Board in defining their strategy for the coming three years Strategic Consulting SEPA
  • 33. 33 15 September 2015By NAOME bvba (Confidential) PayFair THE COMPANY  PayFair intends to launch a new instant debit payment scheme fully supported by the merchants community, riding on the momentum created by the introduction of the SEPA regulation.  The company has recently gone through a first round of financing and expects the first PayFair transaction to happen first half 2009. THE JOB  Advise the Board of Directors on key aspects of introducing a new international payment scheme. Business Development Strategic Consulting SEPA Corporate Coaching New solutions
  • 34. 34 15 September 2015By NAOME bvba (Confidential) ING THE COMPANY  Global financial institution with more than 85 million private, corporate and institutional clients in more than 40 countries, served by a diverse workforce of about 110,000 people. THE JOB  Advise the Senior Management on key aspects of cards & payments, in particular regarding organisational structures, product management, operational improvement, process & procedural assessment, cost reduction, and commercial negotiations with schemes and suppliers  Looked various aspects of card operations, in particular at the restructuring of identifiers (savings estimated at 4 million euro / year), investigated chargebacks, audited the MasterCard billing, compliance… Strategic Consulting SEPA
  • 35. 35 15 September 2015By NAOME bvba (Confidential) Keyware THE COMPANY  Second largest Network Service Provider in Belgium.  Created in 1996.  Provider of Value Added Transaction Processing Services, with products and applications in the field of electronic payment, customer loyalty, e-identity, transaction processing and multi-application payment terminals. THE JOB  C-Management Team on new opportunities arising from the implementation of SEPA and create new service offerings for acquirers and banks in the Belgian market Business Development Strategic Consulting SEPA New solutions
  • 36. 36 15 September 2015By NAOME bvba (Confidential) BNP PARIBAS THE COMPANY  European leader in global banking and financial services (one of the six strongest banks in the world).  4 domestic retail banking markets (France, Italy, Belgium and Luxembourg) : total of 16 million retail clients  International networks with operations in 84 countries (202,500 employees) THE JOB  Advise the Senior Management Team of the Group on their future cards & payments strategy (2015-2020) and construct a Strategic White Paper Strategic Consulting SEPA
  • 37. 37 15 September 2015By NAOME bvba (Confidential) EMPIRIA GROUP THE COMPANY  Organiser of major conference in payments systems, focusing on payment acceptance, e-commerce and mobile.  Creating a platform to showcase major changes in the industry, to review innovations, and to discuss issues  Organiser of the yearly Merchant Payments Ecosystem conference THE JOB  Advise the Management Team of the Group regarding the conference programme  Chairman of the Guiding Hand Awards : looking for the best innovations in the payment acceptance industry Strategic Consulting Corporate Coaching
  • 38. 38 15 September 2015By NAOME bvba (Confidential) IDES TECHNOLOGIES THE COMPANY  Start-up company specialised in risk management and fraud detection tools.  Unique solution based on statistical pattern recognition, converted from a successful solution in the medical sector THE JOB  Advise and assist the Board of Directors & Management Team of the company in putting a business plan together, search for investors, and set-up the organisation of the company Business Development Corporate Coaching Strategic Consulting
  • 39. 39 15 September 2015By NAOME bvba (Confidential) ADVALVAS THE COMPANY  Company specialised in complex e-invoicing environments  Solutions for various sectors : parts, leasing, telecom, payment cards THE JOB  Advise the Board of Directors & Management Team of the company concerning the payment card business  Business development plan banking Corporate Coaching Strategic Consulting Business Development
  • 40. 40 15 September 2015By NAOME bvba (Confidential) BUREAU EUROPEEN DES UNIONS DE CONSOMMATEURS THE COMPANY  Defending the interests of consumers at the regulatory  Created in 1962  42 independent national consumer organisations from 31 European countries THE JOB  Define the consumer requirements for payments  Create a White Paper on consumer retail payments for the regulatory Strategic Consulting
  • 41. 41 15 September 2015By NAOME bvba (Confidential) WIPRO THE COMPANY  Global information technology, consulting and outsourcing company  145,000 employees serving over 900 clients in 57 countries.  2012 posted revenues of $6.9 billion THE JOB  Provide strategic advice regarding payment markets Benelux – Germany – Italy  Coach the team in charge of answering an RFI / RFP for a main transaction processor Strategic Consulting Corporate Coaching RFP support Outsourcing
  • 42. 42 15 September 2015By NAOME bvba (Confidential) Tescobank THE COMPANY  Created in 1997, jointly owned by Tesco and RBS, now fully owned by Tesco  2,818 employees and posted revenues of 702.3 million GBP (2011-2012)  2.8 million credit cards, mainly MasterCard branded  In co-operation with Profit Technologies THE JOB  Analyse the MasterCard billing and costs, as an indicator for cost assessment, audit of expenses, and performance of underlying business processes  Identify opportunities for cost reduction and increase of revenues  Identify missing or incomplete business processes Strategic Consulting
  • 43. 43 15 September 2015By NAOME bvba (Confidential) bpost THE COMPANY  Created in 2010, jointly owned by the Belgian State (50.01%), Post Invest Europe (19.67%) and the public (29.87%)  670 post offices and 670 PostPoints around Belgium  Delivering 10 million letters and 100,000 parcels on a daily basis THE JOB  Paper invoices are a key core business line for bpost (about 900 million paper invoices distributed on a yearly basis)  This business is under threat by electronic invoicing and by cheap service providers from abroad  Mission was to identify new value added services to the paper invoice : through the print of a QR Code on the paper invoice an electronic payment facility could be offered to the consumer Strategic Consulting
  • 44. 44 15 September 2015By NAOME bvba (Confidential) PAYMENT SERVICES MARKET EXPERT GROUP / EUROPEAN COMMISSIONTHE COMPANY  One of the main objectives of the Union is to ensure the proper functioning of the internal market, of which payment services are an essential part. In a context of rapid innovation and technological progress, it is important for the internal market to have sound, user-friendly, efficient and secure payment systems, for the benefit of service providers and users alike  Composed of individuals with the requisite expertise in the area of payment systems THE JOB  The task of the Group shall be : – to assist the Commission in the preparation of legislative acts or policy initiatives regarding payment systems, including fraud prevention issues related to the payment industry and users; – to provide insight concerning the practical implementation of that policy; – to exchange views on up-to-date best practices and ensure monitoring of potential issues of concern for the market. Strategic Consulting
  • 45. 45 15 September 2015By NAOME bvba (Confidential) RS2 ADVISORY BOARD THE COMPANY  RS2 Software p.l.c., is a global provider of Card Management Systems software, IT consultancy and related services to international and domestic banks, service providers, and other financial organisations. THE JOB  The Advisory Board will guide the company to expand further its operations and to keep on enhancing its BankWorks product in order to remain competitive in the cards and payment industry Strategic Consulting
  • 46. 46 15 September 2015By NAOME bvba (Confidential) Analyst Consultations THE SERVICE  “Analyst Consultations” are usually sessions, whereby specialists seek the vision of experts regarding the future evolution in a sector, a market, a business line, of even a particular, individual business or organisation (corporation or association, or any kind of organisational form) or seek recommendations regarding future business actions or business ventures; mostly because of a particular business development or supporting the case for a financial investment. THE JOB  Done Analyst Consultations for several capital venture or financial investment groups on various subjects, such as SEPA, the Turkish POS market, the German credit card industry, the acquiring market in Brazil, meal voucher business, ….
  • 47. 47 15 September 2015 Customers …and more… © 2015 N2Finance CONFIDENTIAL
  • 48. 48 15 September 2015By NAOME bvba (Confidential) Customers Analyst Consultations
  • 49. 49  NAOME is part of a Pan-European network, using the common N2Finance network brand  The main activities : – Business Development – Strategic Consultancy – Solution-based Change Management  Focus area’s : payments – SEPA & innovative payment services (inclusive cards systems, credit transfer, direct debit) – National payment systems & co-operative structures (inclusive fee structures & interchange) – e-Communities – e-Invoicing – Mobility & leasing solutions – Identification & security systems – Telco payment services 15/09/2015 © 2010 N2Finance CONFIDENTIAL Pan-European Network
  • 50. 50 15/09/2015 © 2010 N2Finance CONFIDENTIAL Facing the Future of FinanceTHE TAGLINE  Facing : – N2Finance experts are seasoned and experienced to face the problem of today’s financial world – Because of their experience and expertise, N2Finance experts can quickly identify the key issues in the financial business, define and scope the problem, and propose effective remediation  Future : – Key to the N2Finance expertise is a vision of the future of the financial sector, in various business segments, geographies, technologies, products & services  Finance : – The activity domain of N2Finance is limited to the financial sector – N2Finance experts reach out to the entire value chain of payment in the financial sector, and all related support activities
  • 51. 51  N2Finance is probably the first implementation of the concept of Network Externalities in a European Business Development environment : prospect corporations come to N2Finance because it’s Experts have a large network of C-level contacts in the European financial sector  Those contacts enable : – To bring clients and customers effectively together – To understand new trends and innovative solutions – To assess the strategic direction of the European financial markets 15/09/2015 © 2010 N2Finance CONFIDENTIAL Business Development
  • 52. 52 September 15, 2015© 2004 N2€ New solutions to market European corporations Network externa- lity Strategic vision on business development Solutions in portfolio Global changing economy In search of new business In search of new solutions Innovators Operating models based on …The operating model is based on the premise that companies offering new solutions and companies needing new solutions are not in direct contact with each other
  • 53. 53  N2Finance experts have a vision of the Future of the financial sector, and constantly check this Vision versus new developments, innovations, and trends (political, social, economic, geographical, cultural, …)  N2Finance follows the strategic moves of it’s corporate network closely : what does the sector need and what does the sector require  N2Finance is at the heartbeat of new technologies, products & services : what works versus what doesn’t work (yet)  N2Finance has a massive expertise ingrained in it’s seasoned experts 15/09/2015 © 2010 N2Finance CONFIDENTIAL Strategic Consulting
  • 54. 54  N2FINANCE groups 45 experts covering 22 European markets  Covering all aspects of payments : – Credit transfers – Direct debit – Giro payments – Card payments – Online payments – Mobile payments – Virtual currencies 15/09/2015 © 2010 N2Finance CONFIDENTIAL European experts
  • 55. 55 15 September 2015By NAOME bvba (Confidential) CONTACT : Leon Dhaene Managing Director - NAOME bvba Chairman – N2FINANCE Member of the European Commission Payment Systems Market Expert Group / Directorate General Internal Market and Services E-mail : leon.dhaene@n2finance.com Tel. +32-473-642249 Thank you for your attention…

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