Future of Payment Acceptance Jan Lundequist SVP, Merchant Solutions Product Management Nets in brief 40 years of payments experience More than employees 2,000 Services 500,000 merchants & 33M cards MERCHANT SOLUTIONS FINANCIAL ACQUIRING ESECURITY CARDS PAYMENT & 2 INFORMATION Digital consumers are using digital services around the clock with multiple devices. … and purchase and payment experiences are being transformed  Login with fingerprint  Invoicing  Omnichannel commerce The Digital Consumer New technologies  Security vs. easy of use New experiences Consumer trends and new technologies are shaping the way we purchase and pay  Contactless payments  NFC / HCE  Payment card tokenization  Beacons  Biometrics FRONT END PROCESSING Consolidation Cost pressure Scale up Regulations Alternative payments SERVICES BATTLES Fragmentation New business models Innovations New players Digitalization SERVICES TWO …and enabled the exponential growth of new payment methods What are the implications for merchants?  How to serve digital consumers the best way?  How to deal with the new emerging front end services?  What digital services and applications to provide?  How to provide seamless payment experiences?  What digital loyalty services to provide? 57.0.0.0.0/20_99v1.0/2014 Nets’ approach to payment acceptance Omni-Channel Solutions In-Store & Online Solutions Promote Sell Get paid Deliver After sale Loyalty & Information Services STABLE , SCALABLE and SECURE infrastructure 57.0.0.0.0/20_99v1.0/2014 Clear trends vs. uncertain trends Clear trends Uncertain trends • POS terminals remain relevant • Will virtual currencies become mainstream • Convergence between remote and F2F • Which wallets will remain in long term • Loyalty services will be digitalized • Mobile F2F payments 57.0.0.0.0/20_99v1.0/2014 9 Thank you! Jan Lundequist Senior Vice President Nets Merchant Services 0.01 10