2. How Inpay keep banks relevant in the E-commerce
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 2

3. +15%
€1.2 trillion
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014
http://www.emarketer.com/

4. €19.3 billion
+47.3%
Source: E-commerce Europe, Position Paper e-Payments(2014)

5. How do you pay today?
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 5

6. The security of local bank transfersThe speed of payment cardsThe integration of online banking
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 6

7. PayIn –smart, safe, seamless
1
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 7

8. PayOut –managing multiples
1
£
¥
$
€
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 8

9. What’s in it for the Bank 1. Recapture lost revenues from ‘alternative’ payments2. Improve customer loyalty3. Open new revenue sources4. Increase merchant payment offerings5. Drive customers to your online banking services6. Inpay provides an extra layer of fraud prevention 7. Satisfy consumers’ needs for an easy and secure e-payment method and the protection of their identity and personal data8. Use a product leveraging the trusted ACH network
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 9

10. oOur compliance and security measures meet or exceedall national and international requirements.
oRegulated by the Danish Financial Supervisory Authority
and passported to all EU member states
oRegulated by the Swiss Financial Market Supervisory Authority (FINMA).
oAll customers and transactions vetted through multiple, internationally recognised procedures, including Know Your Customer (KYC), Anti-Money Laundering (AML), Counter Terrorist Funding (CTF), Politically Exposed Persons Lists (PEPs).
oMeets all EU legislation and safety precautions regarding Anti- Money Laundering and Terrorist Financing.
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 10

11. Zero costs … … for improved customer proposition Inpay sell in to the merchantsInpay brings another layer of AML/CTF compliance check Inpay develops and manages its own technologyInpay handles all customer and technical support
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 11

12. 2014: 48 countries
Algeria
Argentina
Australia
Austria
Bahrain
Belgium
Bulgaria
Brazil
Chile
China
Colombia
Czech Republic
Denmark
Egypt
Estonia
Panama
Peru
Poland
Portugal
Qatar
Romania
Saudi Arabia
Slovakia
Slovenia
Sweden
Syria
Thailand
Tunisia
Turkey
UAE
Vietnam
Libya
Lithuania
Mexico
Morocco
Netherlands
Norway
Finland
Germany
Hungary
Iceland
Iraq
Ireland
Italy
Jordan
Kuwait
Latvia
Lebanon
24 October 2014 12

13. •Building a global payment network since2007.
•Accounts with financial institutions in48countries.
•Enablestwo-way flow of funds in real time.
•We can pay in or out in over60currencies.
•Boost online banking reach with100% security.
13
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014

14. Ms Britt Sondergaard
Chief Operating Officer
Telephone: +45 71 999 851
Email: brs@inpay.com
Mr Soren Rose
Manager, Strategic Banking Alliances
Telephone: +45 25 947 610
Email: sor@inpay.com
Skype: sorenrose2
Mr Dame Damevski
Manager, Strategic Banking Alliances
Telephone: +45 25 947 611
Email: dad@inpay.com
Mr Henrik Rasmussen
Manager, Strategic Banking Alliances
Telephone: +45 25 948 674
Email: her@inpay.com
Skype: her.inpay

15. Online Banking ePayment -OBeP
The consumer is authenticated in real-time by the consumer bank’s online banking infrastructure.
The availability of funds is validated in real-time by the consumer’s bank.
The consumer’s bank provides guarantee of payment to the merchant.
Payment is made as a credit transfer (push payment) from the consumer’s financial institution to the merchant, as opposed to a debit transfer (pull payment).
Payment is made directly from the consumer’s account rather than through a third-party account.

16. How Inpay works
XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria
24 October 2014 16