Pine Labs Retail Business Solutions uploaded

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Pine Labs Retail Business Solutions

Agenda : 

Agenda Introduction to Pine Labs Plutus Payments NOVA Customer Loyalty Gift Card Platform Onedesk Value Added Services

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2004 Launched largest closed-user group loyalty solutions in India for Retail Petroleum industry Petro Card solution for BPCL: more than 1.5M smart card holders, 4M transactions per month Fleet card program for IOCL: 1.5M card holders, over 2.5M transactions per month 2005 Introduced first PC-based card authorization application Used by leading Indian Retail chains and Banks EMV compliant and Visa certified 2006 Entered into organized retail sector with real-time Loyalty Solutions Strategic Alliance with largest international loyalty solution provider, LMG Expert in turn-key ASP solutions for Indian Retail segment 2007 Built Value added services network with Tata Teleservices Bill payment & ticketing payment network, launched at over 1000 Indian retailers 2008 Launched stored value card program in India Managing prepaid card program for Future Group, India’s largest retailer - including online and 3rd party distribution 2009 Launched 1st PCI-certified processing network on IP in India Managing secure e2e connectivity for merchant processing on internet PCI PA-DSS certified Pine Labs is a leading innovator in Payments and Loyalty solutions Bank Relationships Partners Select Clients

Our strong product portfolio & capabilities have been instrumental in unlocking value for our clients : 

Our strong product portfolio & capabilities have been instrumental in unlocking value for our clients Service Infra-structure Payments Value added services Loyalty Prepaid/ Gift cards

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Our Product Portfolio maximizes the value of the Retailer’s PC POS PC-based credit/debit payment platform - replaces EDC Secure processing network via Internet Transaction Reconciliation & Management PCI PA DSS compliant Real-time customer loyalty solution Flexible scheme engine - reward points, discounts, coupons Targeted messages via charge slip, SMS, email Campaign management Electronic closed-loop payment solution Supports mag stripe cards, barcode vouchers, mobile accounts Flexible rules engine for promotions and discounts One-stop payment solution for PC POS Mobile top ups, bill payment, air/ train/movie ticketing Cash or card acceptance Cash withdrawal Reduces telco costs by up to 90% Eliminates manual data entry at EDC Automates payment advice reconciliation Retention and engagement of most valuable customers Sales lift from increased traffic Higher margins from targeted discounts Locks in revenue and generates breakage Reduces fraud and shrinkage of paper vouchers Increases brand awareness Generates commission revenue for the Retailer Eliminates need to maintain paper voucher inventory Single deposit for all types of payments

Agenda : 

Agenda Introduction to Pine Labs Plutus Payments NOVA Customer Loyalty Gift Card Platform Onedesk Value Added Services

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Plutus Desktop Plutus Lite Plutus Secure broadband Plutus SI Plutus Hub Plutus on Symbol Plutus on Verifone Plutus, our flagship credit/debit acceptance application, provides a PC-based acquiring platform

Plutus works on any Windows-based PC POS : 

Plutus works on any Windows-based PC POS

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Key value drivers of Plutus - At A Glance Replace costly EDC terminals and landline connectivity Eliminate dial-up charge for cr/dr transactions, and landline charges for each EDC terminal Switch to always-on, high speed internet processing Remove counter clutter Streamline operations at the POS Reduce need for cashier training Automate data entry by integrating Biller and cr/dr payment transaction Eliminate cashier manual data entry, and increase transaction speed Single application for all cards - Visa, Mastercard and American Express Eliminate cashier decision-making Route each card automatically to appropriate Bank Simplify POS infrastructure by using single POS application for multiple tasks Transaction warehousing and management Digitize & automate reconciliation of POS settlement and Acquirer payment advice Leverage rich MIS, including Acquirer-level transaction analysis and quarterly audit reports Centralize POS-level alerts, e.g., unsettled POS Save cashier time 1 2 3 4

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Plutus Secure: transaction processing via broadband - PCI PA DSS certified Broadband Connection on Public IP PC-based POS in Store Bank Payment Switch Data Centre Secure card swipe Data packet encryption Transmission of encrypted data packet in secured channel Data transformation to bank protocol Transaction authorization Faster transactions, with higher Security at lower connectivity cost Transaction Process Flow with Plutus Secure

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Plutus Transaction Reconciliation Management - TRM Settlement not tracked by POS – can’t ensure daily closure No central aggregation & warehousing of Credit Card transactions Paper-based, manual reconciliation Lack of MIS reports, especially lack of monthly/quarterly closure No POS-level alerts Credit Card transactions cannot be searcher/queried easily Central aggregation of credit card transactions Unsettled terminal alerts Automatic bank reconciliation and transaction dispute management Search & query functionality on central server Rich MIS Financial closures Proactive Alerts for better operational efficiency Challenge Solution

Agenda : 

Agenda Introduction to Pine Labs Plutus Payments NOVA Customer Loyalty Gift Card Platform Onedesk Value Added Services

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NOVATM delivers flexible loyalty schemes via intuitive user interfaces Nova supports diverse loyalty schemes to wow your customer… Flexible Schemes Powerful Rules Engine Multiple Touchpoints Rich MIS Loyalty points to redeem Discounts and bonuses Free gifts and samples Personalized messages …while simplifying program management at the User end Segment- and customer-level targeting Rules-based (date, time, usage, demographics) Campaign management engine Brochures E-mail Merchant Slip SMS Web Banner

NOVA can be easily configured with complex schemes in real-time through Host interfaces : 

NOVA can be easily configured with complex schemes in real-time through Host interfaces 13 Various types of customer interaction… Points award Loyalty message Coupon Discount offer Promotional message Reward Gift Sweepstakes By store and region By time of day (“happy hours”) and weekday By loyalty member tier (e.g., gold, silver, bronze) By transaction amount By customer behavior (e.g., past purchase volumes) By product SKU By customer demographics (e.g., “Happy Birthday” gift) …can be configured based on user-defined rules

Agenda : 

Agenda Introduction to Pine Labs Plutus Payments NOVA Customer Loyalty Gift Card Platform Onedesk Value Added Services

Retail Gift Cards drive revenue, increase brand reach and generate valuable float : 

Retail Gift Cards drive revenue, increase brand reach and generate valuable float Expand brand awareness Front of wallet card or personal message via SMS – with superior form factor and space for branding Widespread use (60% of US consumers have purchased or received a Gift Card) 25% of Starbuck revenue on Starbucks Cards Value-added customer services – replacement of lost cards, personalization Engage existing customers and acquire new ones at low cost Greater share of wallet from existing customers Trial and adoption from new customers New distribution channels (distribute via mobile, capture Corporate bulk purchases) Increase revenue and profitability Sales lift (studies show 15%-50% sales lift over Face Value in US) Locked in revenue up front results in customer stickiness Higher margins (40% of Gift Card purchases are at full-price, versus 15% average) Source: CBC, TowerGroup; FDC; industry research and analyst reports

While gift vouchers are well-established in India, they are inferior to electronic Gift Cards : 

While gift vouchers are well-established in India, they are inferior to electronic Gift Cards Multi-redemption model improves float and breakage Greater customer appeal due to customization Wider distribution through alternative channels like SMS and email Higher take up from prominent placement in stores Particularly attractive for Corporate bulk purchases Additional fee revenue from surcharges (e.g. card replacement) Gift Cards generate more revenue… …at lower cost than vouchers… …with high-quality brand message Superior form factor “wows” customers – looks like a product, not a bank note Carries branding and messaging Prominent position in wallet Value-added customer services - replacement, hot listing, personalization Targeting through rich MIS Online activation reduces fraud and shrinkage and slims down balance sheet Accelerated check-out, both at initial purchase and at redemption Back-office cost reduction through automated tracking and processing Automated inventory management and replenishment

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Our Gift Card platform ties into NOVA loyalty program Category Management Offer special discounts or points if mobile Gift Card is used for slow-moving category Offer special discounts for off-peak days to drive traffic Earn & Burn Scheme Recognition & Rewards Award cash back bonuses directly on gift account Tie into loyalty points program and allow points redemption at any outlet Enable coalition loyalty programs Manage inventory and margins “Get a Rs 500 bonus for shopping for Rs 10,000 in a week” “We offer free delivery for our best customers” Deliver targeted offers to your best customers Provide special services like personal shopper to best customers “Receive a 5% discount when you use your Gift Card on Wednesdays” Increase market share and visit frequency Gain share of wallet with best customers

Agenda : 

Agenda Introduction to Pine Labs Plutus Payments NOVA Customer Loyalty Gift Card Platform Onedesk Value Added Services

Onedesk payment network gives retailers directaccess to Mobile Recharge, Tickets and Bill Payment : 

Onedesk payment network gives retailers directaccess to Mobile Recharge, Tickets and Bill Payment Service partners Service Provider 1 Service Provider 2 Service Provider 3 Large retail network enabling cash payments Ecommerce Payments Lead Gen. Utility payments Mobile Top-ups Ticketing Govt. Payments Unified payment and services platform Service Provider n Onedesk Value proposition Onedesk allows service providers to leverage its retail network and provide a physical transaction environment to customers

Onedesk is aimed at retailers across both PC and Non-PC segments : 

Onedesk is aimed at retailers across both PC and Non-PC segments Merchants Have PC Don’t have PC Smart Phone with built in CDMA data and voice connectivity Built in POS – Magstripe and Smart card Bank approved device Power backup and printer PC client connects through internet Intuitive easy to use graphical UI Integrated with Plutus – bank approved PC POS Advanced reporting and reconciliation capabilities EDC terminal - multiple make & models Built in POS – Magstripe and Smart card PCI compliant Printer

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Value prop: Pine360° delivers the benefits of the most sophisticated POS solutions - without IT and capex costs Never turn away a customer - card acceptance Save up to 90% on processing telco costs - use affordable broadband securely Eliminate EDC machines from your counters Use online reporting tool to see all transactions and reconcile automatically with Acquirer Used by leading retailers like Future Group and Shoppers Stop Reward your customers’ loyalty to drive sales - over 70% of Shoppers Stop’s revenue comes from loyalty members Deliver real-time messages - on the charge slip, via SMS or email Target promotions to increase margins - like extra points for larger purchases Enrollment customer via mobile and save on plastic card production Used by LG, Vishal Megamart, Telekom Malaysia Increase your sales - customers spend up to 50% more than the gift card value in your store Collect ‘breakage’ on expired cards - up to 20% of balance is not used Gain extra margin - gift card holders are twice as likely to purchase products at full price Deliver conveniently via SMS for instant gifting Eliminate shrinkage and fraud in existing gift voucher program Used by Future Group and Indian Oil Generate commission income - Rs 4 for each bill payment, Rs 8 per train ticket and 3% of any mobile top up Drive traffic to your store by offering convenient new service Eliminate need for managing recharge coupons and vouchers - all denominations delivered instantly electronically Fund one single deposit account for all services 1000+ merchants already in the market

Our Pine360° platform brings together payment & loyalty acceptance - on the PC POS, EDC and Smart Phone : 

Our Pine360° platform brings together payment & loyalty acceptance - on the PC POS, EDC and Smart Phone Plutus : credit debit processing Nova : Loyalty , POS campaigns, and Gift Card solutions Onedesk : Value added services , Ticketing , Mobile recharge , bill payments

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For further information contact Ankur Dhawan – ankur.dhawan@pinelabs.com Antonia Stroeh – antonia.stroeh@pinelabs.com