@FinTechShow - 2018.05.03.

1. 3. May 2018
Rasmus Eskestad – Senior Business Manager, Nets
INSTANT PAYMENT REVIEW
FinTechShow - Budapest

2. Instant payments create new use cases – you never imagined

3. Nets’ in numbers
500,000
More than 500,000
terminals interact with Nets
45%
45% of the Nordic market
for card processing
33m
33 million cards on
Nets’ platforms
500,000
More than 500,000
merchants serviced
140,000
Creditors use our services
along with most households
in Norway and Denmark
7.8m
More than 7.8 million
digital identities issued
THE BUSINESS THE COMPANY
DKK 6,5 BILLION
A steadily growing turnover
2.500 EMPLOYEES
More than 2.500 skilled employees in
six countries and eight offices
NORDIC + BALTIC
Local offices in Denmark, Finland,
Norway, Sweden, Estonia and Latvia

4. Nets RealTime24/7 in Europe
Proven scalable and high
performing cross border
solution in production
Proven speed of
implementation and ability to
deliver
Solid and proven
architecture that has a
proven operational track
record

5. The solution – RealTime24/7
Different message
support
High-performance
24/7/365
ISO 20022
payment engine
EPC/SEPAwith
AOS options
Starting with credit
transfers
Value added
services
Experiences
when going
Instant

6. Business Development with success
Competitive, free of charge
Push for signup
User friendly app. sending/
request/share bill,
recipient validation, etc.
Smaller merchants usage
Market places/Events
Fundraising/charity
Bluetooth terminals -
Creating critical mass
Find store
Attractive commercial
model for merchants
Receipts archiving, Mobile
on your Apple Watch
Loyalty programs, 5-15%
Customer experience
Specifications
All banks on-boarded (80)
Gradually increasing
amount limits for mobile
Retail chains joining
Internet retailers on-
boarded
05/2013
Bank´s launch
P2P Mobile
09/2013
RealTime24/7
Project Launch
Q1-2/2014
Use cases
acceleration
11/2014
RealTime24/7
Launch
Q4/2014
The P2M
approach
O1-2/2015
Broadening the
use cases
H2/2015
2016
Enhancing value
proposition
Transfer all current mobile
transactions to real-time
Build the infrastructure for
creating full reach Promote home banking
Targeting merchants
further
Higher amount limits 7K€
Municipalities onboarding

7. Use-cases for
Instant payments
Mobile payments
Chatbot in Messenger
Bill sharing
Invoice function for users to pay
invoices via mobile phones
Adding mandates
Removing the need for cash
The car dealer case
Phasing out legacy systems & products
Future platform for all innovation
Insurance payout / loan payout
Large retailers provided with external
”units” with Bluetooth and QR
Solutions for e-commerce payments
Instant funding to Merchants
2nd G enhanced terminals handling both
cards and mobile payments

8. InnovationFriction
Convenience Right now
Doing it right