Eml Payments Ltd. · ASX:EML
Eml Payments — Shareholder Meeting (November 2022)
25 slides from Eml Payments's shareholder meeting presentation, Nov 25, 2022
Slide 1: Annual General Meeting 2022
Annual General Meeting. Click to begin 2022
Slide 2: EML Payments Annual General Meeting 2022
EML Payments Annual General Meeting 2022 –2
Slide 3: EML Payments Annual General Meeting 2022
EML Payments Annual General Meeting 2022 –3
Slide 4: Board of Directors
Board of Directors. EML Payments Annual General Meeting 2022 –4
Slide 5: Chairman Address
Chairman Address Peter Martin Non-Executive Chairman EML Payments Annual General Meeting 2022 –5
Slide 6: CEO Address
CEO Address Emma Shand Managing Director and CEO EML Payments Annual General Meeting 2022 –6
Slide 7: Strategic Review Update
Strategic Review Update. EML Payments Annual General Meeting 2022 –7
Slide 8: EML has been under pressure for 18 months with challenges to tackle
EML has been under pressure for 18 months with challenges to tackle in the short-to-medium term Our business Challenges － EML Payments provides prepaid disbursement, gift and incentive cards and account to account and open banking services to banks, Regulatory — Delivering the remediation plan is on
Slide 9: The future of payments will be different
The future of payments will be different. Customer preferences, emerging technologies and changes to the regulatory and economic environment are altering market dynamics Drivers of change One-stop shop and value — Customer expectations instant, frictionless and embedded, if not invisible, payments I
Slide 10: The strategic imperative for change
The strategic imperative for change. Foster financial Rebuild safety and confidence and inclusion in the trust with all community stakeholders Continuously Focus on customer assess needs and megatrends and innovation whilst policy reshaping operating within our payments risk appetite Be clear on our
Slide 11: A new chapter for EML
A new chapter for
Slide 12: A new chapter for EML. Our transformation strategy
A new chapter for EML. Our transformation strategy Transformation Pillars Enablers Purpose, Values & Culture Elevate Elevate EU and UK remediation efforts, embedding a strong risk aware culture Product-led Streamline Streamline customer and operational Tech Capabilities effectiveness Unlocking Data
Slide 13: Elevate
Elevate. Elevate EU & UK remediation efforts, embedding a strong risk aware culture Calendar Q1 2021 - Q3 2022 Q4 2022 - Q1 2023 Q2 2023 Q3 - Q4 2023 Remediation Additional remediation and Embed, QA Resolution of any residual issues and PCSIL Remediation program execution implementation and fix thir
Slide 14: Streamline
Streamline. Streamline Customer & Operational Effectiveness Transform customer journey and service Right-sized organisation and structure aligned to strategy － Automated onboarding and lifecycle management － Revise and embed purpose and values － Customer segmentation and risk profiling － Talent plan
Slide 15: Reposition for Growth
Reposition for Growth. Reposition the base and evolve from prepaid cards into an embedded finance leader in 4 key sectors Customer Proposition EML’s 4 sectors represent over 70% of Feature rich embedded payments with end-to-end business management, global total addressable payments revenue empowerin
Slide 16: Reposition for Growth: Financial services and Human capital management
Reposition for Growth. Reposition the base and evolve from prepaid cards into an embedded finance leader in 4 key sectors Financial Human capital services management SAM CAGR EML Share SIZE SAM CAGR EML Share $43bn 6% 0.17% $26bn 6% 0.08% — Convergence of banking and payments, aided — On demand ever
Slide 17: Reposition for Growth: Retail and Government
Reposition for Growth. Reposition the base and evolve from prepaid cards into an embedded finance leader in 4 key sectors Retail Government SAM CAGR EML Share SIZE SAM CAGR EML Share $32bn 7% 0.20% $12bn 8% 0.13% — Digitisation of govt experience — High digital adoption growth — Secular trend toward
Slide 18: A new chapter for EML. Our transformation strategy
A new chapter for EML. Our transformation strategy Transformation Pillars Enablers Purpose, Values & Culture Elevate Top Priorities — Successfully conclude remediation and Product-led growth restrictions lifted year end 2023 — Optimise operations Streamline — Focus business on four sectors Tech Capa
Slide 19: Financial Update & Guidance
Financial Update & Guidance EML Payments Annual General Meeting 2022 – 19
Slide 20: FY22 Overview
FY22 Overview. EML Payments Annual General Meeting 2022 – 20
Slide 21: Q1 FY 2023 Underlying Trading Update
Q1 FY 2023 Underlying Trading Update. EML Payments Annual General Meeting 2022 – 21
Slide 22: Q1 FY 2023 Underlying Trading Update
Q1 FY 2023 Underlying Trading Update. EML Payments Annual General Meeting 2022 – 22
Slide 23: Benefits to the Business from Interest
Benefits to the Business from Interest. (12 months) EML Payments Annual General Meeting 2022 – 23
Slide 24: FY2023 – Financial Guidance
FY2023 – Financial Guidance. EML Payments Annual General Meeting 2022 – 24
Slide 25: Thank you
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