The document discusses the transition from traditional fragmented payment landscapes with siloed solutions to new omni-channel payment models. It outlines the traditional model with separate acquirer contracts and integrations for each payment channel and country. The new model aims to provide global, seamless, tokenized payments across channels with a single platform to accept payments wherever customers shop. It provides scenarios of how omni-channel payments can work and the challenges companies face in operations, user experience, and payments across sales channels that a unified platform could address. Adyen is presented as a company providing a single global platform to enable omni-channel payments.

1. Scratch course in omni-channel
payments

3. Geographical isolation
Value chain isolation
Channel isolation
The traditional fragmented
payments landscape

4. Silos and legacy payment
solutions lead to
Lack of functionality,
Lack of flexibility
Lack of innovation,
Difficulty to assess costs
Prevents focus on:
Omni-channel customer journeys
Shopper based payments
Shopper experience

5. And there came “multichannel”

6. Factors of disruption

7. New customer behavior

8. Change in merchant offering

9. Change in regulation

10. Smart POS and Payment Management Systems

11. New possibilities

12. What is actually happening?
Traditional model

13. In a fragmented acquiring
landscape

14. 1 merchant
30 countries
2 payment
channels
50 acquirer
contracts
35 front-end
integrations
20 types of
hardware
40 backend
integrations
High complexity for international
active merchants

15. What is actually happening?
New model

16. Global omni-channel payments

17. Tokenized
payments

18. Seamless
payments

19. Seamless
payments

20. Mobile
payments

21. Card present
payments

22. Contactless
payments

23. Omni-channel
payments

24. Omni-channel
payments

25. Omni-channel
payments

26. In store
payments

27. Social payments

28. Booking
extra
legroom

29. Listening to
Spotify

30. What is sold Who pays (optional) How is paid When is charged
Know shopper better (value)
Faster payout journey (costs)
Better experience (convenience)
The four components of a payment transaction

31. Register
Link card to shopper
Recognize
Link basket to shopper
Checkout
Authorize
Deliver
Capture
The four steps of a shopper-based payment

32. Many possibilities to register a card

33. Shopper registers online, registers card
Register card
Card is charged when
Goods are shipped.
Visit the
store
Product not
in store
Sales assistant finds product
online. Shopper enters
email and and pays in store.
1. Shopper uses link to open
app or enter his card
details
2. Shopper enters email,
registers card via zero-
auth, and receives invoice
by e-mail
Card is charged when
Goods are shipped.
Scenario 1: Endless aisle

35. Shopper purchases online,
stores card
Pays with
one-click
Visit the
store
Scenario 2: Omni-channel one-click

37. Scenario 3: Kiosk

39. Scenario 4: Tracking Cross-Channel

41. Scenario 5: Express Check out

43. Scenario 6: RFID

45. Scenario 7: iBeacon

47. Scenario 8: Cross-Channel Refund
Visit the store to return goodsShopper shops online and pays Retrieves transaction by
inserting card and refund
partially if good is missing

48. Customer present Customer not present
Card present POS Tokenized payments
Card not present Tokenized payments Ecommerce
New approach to payments

50. Omni-Channel
Payments challenges
• Several sales channels and partner shops
• Data scattered over various reporting
• Multiple payments flow to reconcile
• PCI compliance management
• Inconsistent customer experience
• Split operations
(Charge back – refunds – D+2/3 settlements)
• Many suppliers across a number of countries
• Fast scaling

51. The vision
Operations
• Get rid of legacy systems
• PCI compliance
• Scaling internationally
• Unified reporting, 360 view of shopper payments data
User Experience
• Unify customer experience across channels and countries
• Cross- channel returns and customer service capabilities
• Omni-channel loyalty programs
• New payment opportunities e.g. Apple Pay

52. Adyen is a leading payments technology company
that provides companies with a single global platform
to accept payments wherever people pay.

53. Wherever
people
pay

54. Questions?

55. Contact Information
Christoph von Bülow
christoph.vonbuelow@adyen.com
+49 (0)163 6301973
www.adyen.com