.

1. November 24th, 2020
Nathalie Vandepeute
CEO Bancontact Payconiq Company
Stephanie De Bruyne
CEO Belgian Mobile ID
How to stay relevant in a
constantly changing world?

2. March 18th
2020

3. The Belgian population drastically
changed its behaviour since the lockdown
of Belgians think that everything
should be possible online61%
of Belgians is
working from home45%
of Belgians buy
online80%

4. The key trends remain relevant, but the context has changed
Technology
Customer
Competition
Regulation &
policy making
Phygital, Mobile first,
Real time / Instant,
Simple & Secure
Cloud, Big data, Tokenisation,
Biometrics, AI, IoT
Big Tech, Open banking
PSD2, KYC, GDPR, eIDAS
Digital inclusion,
Transparency &
control over data
Contactless (NFC, QRs)
Eco-systems, partnerships
European positioning
• EU autonomy in payments
• EU digital identity
Remainrelevant
Importancehasincreased

5. Digital
inclusion
Zoom on The digital gap concerns not
only the access to technological
resources, but also literacy, how
well trained we are to use them.
Julio Cabero

6. Control
Zoom on
Trans
parency
Data
6 Belgians out of 10 don’t
want to share data online.
itsme® survey July 2020

7. Contact
less
Zoom on Consumers should always
be offered the opportunity
to pay contactless.
Vincent Van Peteghem

8. Digital
EU
Zoom on Europe must now lead the way on
digital — or it will have to follow
the way of others, who are setting
these standards for us.
This is why we must
move fast.
Ursula von der Leyen

9. Future of
digital ID

10. Imagine a world in which digital identities allow to...

11. From single account access to hyperconnectivity
2015- ….
hyper-connectivity
data democratisation
consent-based solutions
1995-2005
basic account management
siloed processes
site owners held the cards
2005-2015
rise of social networks
richer digital identities
opaque data usage

12. Digital identities are the key to value creation in
a hyperconnected world
Phygital
ID
attributes
Trust
UX
Security
Interoperability
IoT
Efficiency

13. A coalition of the willing aiming for interoperable
solutions at European level
collaborate in order to create solutions
in the domains of
• artificial intelligence
• cross-border digital servicing
• digital identity
• data and open source
• cybersecurity
8 countries

14. Future of
payments

15. End of cash?
Digital currencies?
Instant payments?
End of plastic cards?

16. How has the payment world evolved?
New customer expectations, technology, regulations have increased…
the number of payment methods the competition on the payment market

17. Online shopping and Contactless payments become the
new normal
+94%
ecommerce transactions
with cards and mobile
in April 2020 vs April 2019
+89%
Mobile transactions
YTD Oct 2020 vs Oct 2019
39%
of Bancontact card transactions
in POS are contactless
in October 2020

18. Staying relevant in this evolving world means constantly innovate
QR on
invoice
Vending
machine
Delivery
at home
QR on
terminal
Make payments even
more seamless
Multiply the use
cases for mobile
payments

19. From a very fragmented European payment market to
a European initiative striving for autonomy
1
7
2
3
4
5
6
8
9
10
11
13
14
12
15
16
Source: Monitor Deloitte Analysis
CS SEPA CREDIT TRANSFER CARD BASED
Vipps
MobilePay Twint
SIA
SIBS
ABN Amro
Payconiq
Bancontact
Payconiq
Company
Paylib
MastercardiDEAL
PaydirektSwish
MobilePay
1
2
6
5
4
3
7
8
9
10
11
12
Payconiq Simple
13
14
Bizum15
S C
S
S
S
S
S
S
C
C
C
S
C
S C
S
S
C
C
SS
S
Legend
16 Bluecode S

20. Key take-aways
Digital is no longer an ‘option’ –
inclusion is key to allow anyone to
participate to the digital economy
Ownership of data will shift from
organisations to people – we will
regain control over what data we
share and with whom
Contactless becomes the norm,
QRs are ‘back in town’
The EU / national governments are
adopting an active role on digital,
and especially on payments & DID
Innovation in digital identities and
payment solutions will unlock great
value in this hyperconnected world

21. Nathalie Vandepeute
CEO Bancontact Payconiq Company
Stephanie De Bruyne
CEO Belgian Mobile ID
Ready for
?
We are!