UMT United Mobility Technology AG Creating the best mobile payment platform - Alexander von Franckenstein, CBDO / Member of the Management Board
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UMT United Mobility Technology AG
Creating the best mobile payment platform
Alexander von Franckenstein, CBDO / Member of the Management Board
UMT UNITED MOBILITY TECHNOLOGY AG
UMT AT A GLANCE
UMT developed an Clients pay via mobile Currently, customers have Customer’s bank details have
innovative mobile payment & payment apps flexible payment options, via: to be registered in mobile
loyalty software (platform), • NFC payment app. Bank transfers
which can be embedded in • QR code the money instantly from
mobile apps • Barcode customer’s to merchant’s
• iBeacons bank account
„Creating a seamless experience for more than just payments”
๏ UMT AG (ISIN DE0005286108) is a German company listed in the Entry ๏ UMT’s competitive advantages are its technology agnostic approach, a
Standard segment of the Frankfurt Stock Exchange, offering IT services comprehensive reach of the platform and an efficient development process.
and solutions on an international basis, especially for mobile and digital Retail companies are using the platform for customer relationship purposes
payment systems, as well as data analytics. and big data analytics.
๏ Based on its proprietary mobile payment and loyalty platform, ๏ Highly complementary management team with experience in technology,
technology and software are mainly used on a white label basis by its venture investment and financial markets.
clients, enabling customers to pay with their mobile devices. The
software can easily be integrated into existing apps. ๏ Dynamic and innovative IT-Team with strong background in project
management, development and integration.
UMT UNITED MOBILITY TECHNOLOGY AG 2
OUR VALUE PROPOSITION FOR CLIENTS & PARTNERS
PARTNERSHIP OPPORTUNITIES ALONG THE CLIENT VALUE CHAIN SEAMLESS INTEGRATION
UMT’s mobile payment, loyalty and analytics platform offers retailers Easily integrate the mobile payment function and value added services
new, innovative digital wallet solutions to grow their business by easily into your existing infrastructure and all your POS-systems, thanks to our
integrating all intermediaries such as banks, loyalty programmes, SDK solution. We offer a cost-efficient incorporation
payment service providers, etc. in existing or new to build apps. of stores, websites, e-commerce channels online &
offline with all existing technologies (NFC, Bluetooth,
QR code, Barcode, etc.) within a short time.
INCREASE SALES SECURITY
Grow your business by exploiting your clients’ purchasing impulses. Top-notch security, thanks to military-grade encryption and no sensitive
Discover and use new sales channels in combination with our mobile data on the mobile device. Fully PCI compliant setup and following ISO
payment function and value added features such as customer loyalty, 27001 rules, according to BSI Grundschutz (German data protection
multi-media advertising, e-couponing and maximum reach. law/standard).
DEEPEN CUSTOMER LOYALTY SETTLEMENT FLEXIBILITY
Create or include your bonus programme together with us into our Easily integrate your existing payment service provider or bank to settle
existing platform. Use UMT’s existing mobile payment platform your transactions. Connect new partners and extend payment methods
expertise, as Europe’s biggest service provider in this area, to offer for more user convenience and satisfaction.
rebates, e-coupons or loyalty points to your clients.
KNOW YOUR CUSTOMERS MAXIMUM REACH
Learn about your clients’ shopping habits and behaviours. Get valuable Access the vast majority of smartphone users, as we guarantee
insights, through smart data technology and analysis. Focus on your compatibility with all iOS, Android and Windows operating systems.
target customers, thanks to tailor-made research.
UMT UNITED MOBILITY TECHNOLOGY AG 3
UMT PLATFORM: ENLARGE YOUR MULTI-CHANNEL SALES COVERAGE
UMT’s platform uses/is compatible with every existing trigger technology:
Technology agnostic.
The right technology for every sales
situation supporting on- and offline
use cases.
QR code NFC Bluetooth
Wi-Fi Barcode iBeacons
Email Print Online
Sell anytime, anywhere.
USE ALL your existing sales
Social media
Point of sale Location-based
channels and extend to NEW ones & Networks
on the users’ mobile devices.
UMT UNITED MOBILITY TECHNOLOGY AG 4
UMT PLATFORM
THE PLATFORM
MERCHANTS
Creating a seamless experience
for more than just payments
LOYALTY ENGINE
3RD PARTY
FRONT-ENDS
SERVICES
PSP
BANKS
USPs
Merchant Connectivity Class-Leading Adaptability
‣ Native implementation in merchant systems and connectivity to legacy infrastructure ‣ Seamlessly integrate existing value added services such as loyalty programmes
‣ Full flexibility in the design of business models and services (e.g., PAYBACK)
‣ Minimising impact on merchant infrastructure and merchant implementation costs ‣ Integrate existing mobile and merchant infrastructure or design custom
solutions
Unmatched Reach ‣ Connect different PSPs and banks for settlement
‣ Largest European mobile payment network Top-Notch Security
‣ Covering nearly 45% of German bricks and mortar and e-commerce
Superior Scalability
‣ ISO 27001 based on BSI IT Grundschutz compliant data centres
‣ Military-grade encryption
‣ Handle up to 1 million transactions per second ‣ No sensitive payment data on mobile device
UMT UNITED MOBILITY TECHNOLOGY AG 5
CONCRETE ADVANTAGES FOR ALL INVOLVED PARTIES
Merchant End-Consumer
Payment
• Optimisation of processing costs due to time-optimised checkout
• Easy, convenient check-out experience
• Increase of sales thanks to deskewing at the cash desk
• Advantageous usage of payment method
• Lower costs per payment transaction (percentaged and fixed)
• High quantity of acceptance points through UMT network
• Connection to the biggest end-consumer and merchant mobile network of
• Long-term lower payment costs will be beneficial for end user
Europe
• Avoiding of long waiting/queuing times at the check-out
• Low transaction fees
Loyalty & Data • Sales optimisation due to purchasing incentives
Analytics • Data analysis of consumer behaviour over all sales channels • Bonus points for each transaction
• Digitalisation of all existing loyalty schemes • Easy and convenient use due to payment and collection of points in one step
• Massively reduced checkout times and therefore cost decrease at POS and • All bonus “cards“ on the smartphone, even lesser used ones…
marketing expenses • Profiting from rebates and discounts
• Utilisation of consumer/loyalty cards even at peak times • Frequent and easy use of e-coupons
• Integration and optimisation of existing loyalty and bonus programmes
Marketing & • Increase of client traffic through systematic customer approach and address
Advertisement • Focus targeting of customer „within reach“ in order to send specific offers • Directed, user-specific addressing through advertisement and couponing
and rebates
• Automatic reward at purchase without coupons if requested
• Additional client addressing before the purchase (e.g. when window
• Profiting from rebates and discounts
shopping)
• (Pre-) selection of specific, customised products and items
• Addressing the client at the point of sale, depending on his position in the
shop (BLE, iBeacon, Geotargeting, etc.)
UMT UNITED MOBILITY TECHNOLOGY AG 6
COST STRUCTURE
Set-Up Fee License Fee Transaction Fee
Consulting Model Software as a Service Model Transaction-based Model
Costs based on man days for: Costs based on: Costs based on:
๏ Conceptual support ๏ Licensing of UMT software ๏ Fixed fee or percentage fee per
transaction
๏ Project management ๏ Fixed amount for technical support
per year ๏ Minimum volume guaranteed
๏ Technical implementation
๏ Hosting and maintenance fee
UMT UNITED MOBILITY TECHNOLOGY AG 7
REFERENCES
UMT UNITED MOBILITY TECHNOLOGY AG 8
REFERENCES
Technical cooperation with PAYBACK (American Express
Group), which is the world’s biggest loyalty and bonus
programme. Active in over 10 countries worldwide incl. the US,
India, Mexico, Poland, Italy and Germany…
Collected points by consumers in 2015: EUR 338 million* Launch/Going live of the PAYBACK PAY app in June 2016 in Germany:
UMT AG & PAYBACK are the number 1 in the German mobile payment market!
10.5 million app downloads in Germany*
75.5 million clients worldwide, of which 28 million in Germany alone!* More than 650 partners offline, online and mobile*
Annual sales 2015 generated by card/app: > EUR 27 billion*
PAYBACK card usage: 3.5 million times/day at partner PoS*
*Data related to PAYBACK scheme in Germany
Source: PAYBACK, facts & figures
UMT UNITED MOBILITY TECHNOLOGY AG 9
REFERENCES
National activities:
LODENFREY was the first big department store in Munich to be connected to our
platform.
Together with Kuffler Group, Germany’s biggest luxury restaurant chain, we introduced
Mobile Payment on the Oktoberfest (Munich Beer Festival) in Munich in Kuffler’s wine
tent in 2015!
Over 30 merchants were attracted via our own mobile wallet:
Hotel
Vier Jahreszeiten
Kempinski
MÜNCHEN
…More
UMT UNITED MOBILITY TECHNOLOGY AG 10REFERENCES
International activities:
Together with our cooperation partners and subsidiaries we are
strongly driving our white label and operator model forward.
Banco de Sabadell became a distribution partner for Spain in May
2015 and GTD Group in January 2016.
Banco de Sabadell is the fourth largest Spanish bank and has a 45%
market share in corporate banking.
GTD Group is an international high-end technology company,
developing systems in the aeronautics, energy, infrastructure, security
and maritime industries.
Turkey represents a very attractive market, with a young smartphone adept population and growing wealth. UMT TR has already
launched a combined loyalty programme and payment app for Turkey’s biggest shopping mall Zorlu-Center in Istanbul, with over 210
shops.
In December 2015 UMT TR successfully launched the Platinum Masa mobile restaurant loyalty platform for VISA Turkey, combining a
dining concierge service with effortless mobile payment.
The goal was to reach more than 150,000 downloads, to integrate up to 500 restaurants, to enable iBeacon technology and to
implement a register integration.
UMT UNITED MOBILITY TECHNOLOGY AG 11Thank you for your time
Alexander von Franckenstein
CBDO
Member of the Management Board
Email: af@umt.ag
T: +49 89 20 500 680
Brienner Straße 7
80333 Munich, Germany
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