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ECONOMIC OUTLOOK
and
CUSTOMER BUYING
TRENDS
Como 10th of March
David Jofre Tejada
International Business Development
Claudina Farré
Rep Office CaixaBank Milan
David Jofre Tejada
International Business Development
(+34) 618.41.86.86
djofre@comerciaglobalpay.com
www.comerciaglobalpayments.com
@davidjofret
Claudina Farré
CaixaBank Milan Rep Office
(+34) 606.55.05.99
cfarre@caixabank.com
www.caixabank.com
Since 2010, Global Payments has partnered with CaixaBank, the largest retail bank in Spain, to offer the best and most efficient merchant acquiring and
payment processing services to merchants in the Spanish market and the Euro Zone.
Comercia Global Payments focuses its efforts on meeting the most demanding needs of today’s businesses and setting the standards for the future
through innovation, continuous improvement and surpassing customer expectations.
Comercia Global Payments
Comercia was born from the strong commitment of two major entities to offer the best and most efficient payment-management service on the
market.
Acquiring Market leader in Spain
244,133 point of sales
24,83% Acquiring market share
34% market share in e-commerce acquiring
€ 31,000 million volume processed
US 12%
Slovakia
Atlanta
Toronto
Owings Mills
Niles
Las
Vegas
Maldives Sri Lanka
India
China
Macau
Hong
Kong
Taiwan
Malaysia
Singapore
Brunei
Russia
BIH
Philippines
Ukraine Kazakhstan
Poland
Czech
Rep.
UK
Global leaders in market share
Saõ Paulo
Brazil
UK 20% Russia 20%Canada 20%
#2
Asia
Pacific 25%Brazil
#1, #2 or #3 in
all 11 markets
Czech
Republic 50%
Spain
Spain 24%
#3 #1#1
#6
#1 #1 #2 #3
Unmatched Worldwide Footprint
Financial Outlook....
Forecast growth of GDP in the EU in 2015 and until 2018 (% variation)
Eurozone: more widespread recovery
22/03/2016 6
3.2
2.2
1.5
1.4
1.4
1.1
0.6
España
UK
Euro Zone
Germany
Portugal
France
Italy
2,1
2,1
1,7
1,7
1,7
1,4
1,2
Total 2015
2,2
2,1
1,5
1,4
1,8
1,4
1,3
Forecasts
2016 2017 2018
2,8
2,1
1,6
1,6
1,4
1,3
1,2
Eurozone CPI (% change)
Eurozone: inflation is recovered in the next few years at the
same time the price of oil
722/03/2016
%%
OCT - 15
-1.5
-1.0
-0.5
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
4.0
4.5
n-07 n-08 n-09 n-10 n-11 n-12 n-13 n-14 n-15 n-16 n-17
Forecast
Generalinflation
Advance FEB 16
-0,2%
Note: (*) Excluding energy and fresh food.
Average 2016-17
Generall 1,4
Core: 1,3
Core Inflation*
Advance FEB 16
0,8%
Market and customer buying trends....
U.K.
Germany France
Netherlands
Sweden
Spain
Italy
Ireland
Austria
Belgium
Denmark
Switzerland
Norway
Finland
0%
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
0% 5% 10% 15% 20% 25% 30% 35%
B2CE-commercePayments/GDP
Recent Growth Trend
Scale 2011 and Growth in European B2C E-Commerce
(based on merchant location, not consumer location)
DATA BASED ON THE ORIGIN OF THE MERCHANT NOT BUYER
eCommerce per country
eCommerce Customers
15,4
Changing the buying habits
 Turnover realized by channel in Europe
Físico
3T€
DESKTOP
425B€
MOTO
100B€
MOBILE
30B€
Físico
2,6T€
DESKTOP
661B€
MOTO
53B€
MOBILE
568B€
2011 2018
Changing buying trends
Peso del eCommerce por país
Ecommerce Buyer Profile
HALEY
 Age: 16 – 24 years
 Weights:
 16% of all buyers
 15% of total transactions
 12% the total amount
 Average purchase: 44€
 Shopping habits:
 Low amount activities
 Mail orders and telephone orders
 Don’t buy:
 Superstores and supermarkets
 Travel agencies
GLORIA and CLAIRE
 Age: 25 – 34 years
 Weights:
 28% of all buyers
 29% of total transactions
 28% the total amount
 Average purchase: 51€
 Shopping habits:
 Restaurants
 Gambling
 Don’t buy:
 Charity and nonprofit
 Pharmacies
Ecommerce Buyer Profile
MITCHELL
 Age: 35 – 44 years
 Weights:
 27% of all buyers
 28% of total transactions
 29% the total amount
 Average purchase: 54€
 Shopping habits:
 Superstores - Especially electronics
 Retail shops
 Don’t buy:
 Transports
 Mail orders and telephone orders
Ecommerce Buyer Profile
CAMERON
 Age: 45 – 64 years
 Weights:
 26% of all buyers
 25% of total transactions
 27% the total amount
 Average purchase: 59€
 Shopping habits:
 Hotels
 Rental Vehicles
 Don’t buy:
 Restaurants
 Gambling
Ecommerce Buyer Profile
JAY
 Age: >64 years
 Weights:
 4% of all buyers
 3% of total transactions
 4% the total amount
 Average purchase: 64€
 Shopping habits:
 Superstores and Supermarkets – Especially Food
 Travel agencies
 Charity and nonprofit
 Don’t buy:
 Retail shops
 Gambling
Ecommerce Buyer Profile
Heavy users:
 The purchases are convenient (76%) and fun (64%)
 They want to be notified by mail: 46%
 Manage the shopping list with a mobile application 35%
 Online Presence very high
 Require flexible collection and return policies.
Buyer Profile
Cuious:
 They like to read reviews online before purchasing a
product (71%)
 Spend a lot of time researching before buying
 The media and social networks are essential to
influence them
 It is important to detail the offers and make a good
description of the products.
 Write reviews of products in forums helps build
confidence in buyers.
Buyer Profile
Offers Hunter :
 Always seek lower prices
 They believe that the best prices are obtained online
(60%)
 Almost always find better deals than those offered in
stores (54%).
 Or use price comparison websites offer when planning
a trip (47%)
 To reach these consumers, are important strategies that
offer online coupons and free shipping options.
Buyer Profile
Fearful:
 Transport costs (38%) and websites with confusing
property (33%) are other barriers to these skeptics
 They can try on items (49%)
 Privacy and security are major concerns for this profile
and are reluctant to give their credit card information
(48%)
 They don’t rely delivery periods (19%)
Buyer Profile
To think about....
 The buyer today is absolutely nonconformist.
 Knows there are no barriers between the physical and digital shop
 A user of eCommerce uses an average of 2.6 devices to make purchase
 The buyer uses an average of 1.5 channels
 The average time buyers has increased 174% in Apps.
 The rate of conversion of multichannel buyer is 20% higher than traditional consumer.
 Multichannel shoppers buy products more often and spend x3.
Font: eCommerce news
To think about...
Banks are mobile
David Jofre Tejada
@davidjofret
(+34) 618.41.86.86
djofre@comerciaglobalpay.com
www.comerciaglobalpayments.com
Claudina Farré
(+34) 606.55.05.99
cfarre@caixabank.com
www.caixabank.com

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Economic Outlook and Customer Buying Trends - David Jofre Tejada, Comercia Global Payments & Claudina Farré, CaixaBank

  • 1. ECONOMIC OUTLOOK and CUSTOMER BUYING TRENDS Como 10th of March David Jofre Tejada International Business Development Claudina Farré Rep Office CaixaBank Milan
  • 2. David Jofre Tejada International Business Development (+34) 618.41.86.86 djofre@comerciaglobalpay.com www.comerciaglobalpayments.com @davidjofret Claudina Farré CaixaBank Milan Rep Office (+34) 606.55.05.99 cfarre@caixabank.com www.caixabank.com
  • 3. Since 2010, Global Payments has partnered with CaixaBank, the largest retail bank in Spain, to offer the best and most efficient merchant acquiring and payment processing services to merchants in the Spanish market and the Euro Zone. Comercia Global Payments focuses its efforts on meeting the most demanding needs of today’s businesses and setting the standards for the future through innovation, continuous improvement and surpassing customer expectations. Comercia Global Payments Comercia was born from the strong commitment of two major entities to offer the best and most efficient payment-management service on the market. Acquiring Market leader in Spain 244,133 point of sales 24,83% Acquiring market share 34% market share in e-commerce acquiring € 31,000 million volume processed
  • 4. US 12% Slovakia Atlanta Toronto Owings Mills Niles Las Vegas Maldives Sri Lanka India China Macau Hong Kong Taiwan Malaysia Singapore Brunei Russia BIH Philippines Ukraine Kazakhstan Poland Czech Rep. UK Global leaders in market share Saõ Paulo Brazil UK 20% Russia 20%Canada 20% #2 Asia Pacific 25%Brazil #1, #2 or #3 in all 11 markets Czech Republic 50% Spain Spain 24% #3 #1#1 #6 #1 #1 #2 #3 Unmatched Worldwide Footprint
  • 6. Forecast growth of GDP in the EU in 2015 and until 2018 (% variation) Eurozone: more widespread recovery 22/03/2016 6 3.2 2.2 1.5 1.4 1.4 1.1 0.6 España UK Euro Zone Germany Portugal France Italy 2,1 2,1 1,7 1,7 1,7 1,4 1,2 Total 2015 2,2 2,1 1,5 1,4 1,8 1,4 1,3 Forecasts 2016 2017 2018 2,8 2,1 1,6 1,6 1,4 1,3 1,2
  • 7. Eurozone CPI (% change) Eurozone: inflation is recovered in the next few years at the same time the price of oil 722/03/2016 %% OCT - 15 -1.5 -1.0 -0.5 0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 4.0 4.5 n-07 n-08 n-09 n-10 n-11 n-12 n-13 n-14 n-15 n-16 n-17 Forecast Generalinflation Advance FEB 16 -0,2% Note: (*) Excluding energy and fresh food. Average 2016-17 Generall 1,4 Core: 1,3 Core Inflation* Advance FEB 16 0,8%
  • 8. Market and customer buying trends....
  • 9. U.K. Germany France Netherlands Sweden Spain Italy Ireland Austria Belgium Denmark Switzerland Norway Finland 0% 1% 2% 3% 4% 5% 6% 7% 8% 9% 10% 11% 0% 5% 10% 15% 20% 25% 30% 35% B2CE-commercePayments/GDP Recent Growth Trend Scale 2011 and Growth in European B2C E-Commerce (based on merchant location, not consumer location) DATA BASED ON THE ORIGIN OF THE MERCHANT NOT BUYER eCommerce per country
  • 11. Changing the buying habits  Turnover realized by channel in Europe Físico 3T€ DESKTOP 425B€ MOTO 100B€ MOBILE 30B€ Físico 2,6T€ DESKTOP 661B€ MOTO 53B€ MOBILE 568B€ 2011 2018
  • 13. Peso del eCommerce por país
  • 14. Ecommerce Buyer Profile HALEY  Age: 16 – 24 years  Weights:  16% of all buyers  15% of total transactions  12% the total amount  Average purchase: 44€  Shopping habits:  Low amount activities  Mail orders and telephone orders  Don’t buy:  Superstores and supermarkets  Travel agencies
  • 15. GLORIA and CLAIRE  Age: 25 – 34 years  Weights:  28% of all buyers  29% of total transactions  28% the total amount  Average purchase: 51€  Shopping habits:  Restaurants  Gambling  Don’t buy:  Charity and nonprofit  Pharmacies Ecommerce Buyer Profile
  • 16. MITCHELL  Age: 35 – 44 years  Weights:  27% of all buyers  28% of total transactions  29% the total amount  Average purchase: 54€  Shopping habits:  Superstores - Especially electronics  Retail shops  Don’t buy:  Transports  Mail orders and telephone orders Ecommerce Buyer Profile
  • 17. CAMERON  Age: 45 – 64 years  Weights:  26% of all buyers  25% of total transactions  27% the total amount  Average purchase: 59€  Shopping habits:  Hotels  Rental Vehicles  Don’t buy:  Restaurants  Gambling Ecommerce Buyer Profile
  • 18. JAY  Age: >64 years  Weights:  4% of all buyers  3% of total transactions  4% the total amount  Average purchase: 64€  Shopping habits:  Superstores and Supermarkets – Especially Food  Travel agencies  Charity and nonprofit  Don’t buy:  Retail shops  Gambling Ecommerce Buyer Profile
  • 19. Heavy users:  The purchases are convenient (76%) and fun (64%)  They want to be notified by mail: 46%  Manage the shopping list with a mobile application 35%  Online Presence very high  Require flexible collection and return policies. Buyer Profile
  • 20. Cuious:  They like to read reviews online before purchasing a product (71%)  Spend a lot of time researching before buying  The media and social networks are essential to influence them  It is important to detail the offers and make a good description of the products.  Write reviews of products in forums helps build confidence in buyers. Buyer Profile
  • 21. Offers Hunter :  Always seek lower prices  They believe that the best prices are obtained online (60%)  Almost always find better deals than those offered in stores (54%).  Or use price comparison websites offer when planning a trip (47%)  To reach these consumers, are important strategies that offer online coupons and free shipping options. Buyer Profile
  • 22. Fearful:  Transport costs (38%) and websites with confusing property (33%) are other barriers to these skeptics  They can try on items (49%)  Privacy and security are major concerns for this profile and are reluctant to give their credit card information (48%)  They don’t rely delivery periods (19%) Buyer Profile
  • 23. To think about....  The buyer today is absolutely nonconformist.  Knows there are no barriers between the physical and digital shop  A user of eCommerce uses an average of 2.6 devices to make purchase  The buyer uses an average of 1.5 channels  The average time buyers has increased 174% in Apps.  The rate of conversion of multichannel buyer is 20% higher than traditional consumer.  Multichannel shoppers buy products more often and spend x3. Font: eCommerce news
  • 26. David Jofre Tejada @davidjofret (+34) 618.41.86.86 djofre@comerciaglobalpay.com www.comerciaglobalpayments.com Claudina Farré (+34) 606.55.05.99 cfarre@caixabank.com www.caixabank.com