Eml Payments Ltd. · ASX:EML
Eml Payments — Investor Presentation (April 2021)
34 slides from Eml Payments's investor presentation, Apr 20, 2021
Slide 1: Investor Briefing announcement
20 April 2021 ASX Market Announcements 20 Bridge Street SYDNEY NSW 2000 For personal use only INVESTOR BRIEFING EML PAYMENTS LIMITED (ASX: EML) (“EML”) provides the attached investor briefing for release to the market. EML senior executives will present the attached briefing for shareholders and the
Slide 2: Deep dive on GPR and Open Banking
Deep dive on GPR For personal use only and Open Banking April 2021
Slide 3: Mission, Vision, Purpose
EML Payments Deep dive on GPR and Open Banking For personal use only Mission. We create awesome, instant and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Vision. Purpose. To offer customers Inspiring a feature rich, fully tra
Slide 4: Important Notice
EML Payments Deep dive on GPR and Open Banking For personal use only 01 Important Notice Introductions and GPR in Context This investor presentation has been prepared by EML Payments Limited ABN 93 104 757 904 (EML) and is general background information about EML’s activities current as at the date
Slide 5: Introductions
EML Payments Deep dive on GPR and Open Banking Introductions For personal use only Rob Rachelle Sarah Shore See Bio St Ledger See Bio Bowles See Bio Group CFO CEO Australia Chief Product Officer Richard Lee Michelle Anderson See Bio Britton Bennett Chief Sales & Marketing Officer CEO Europe Finance
Slide 6: EML's GPR Segment in Context
EML Payments Deep dive on GPR and Open Banking EML's GPR Segment in Context For personal use only Market estimates & EML guidance for Analyst Consensus FY21 General Purpose Reloadable EML Group FY21 Financial Results Revenue by Segment $19.5 – 20.5 billion FY21 Gross Debit Volume 10% 60% $0.27b $1.8
Slide 7: Our Journey
EML Payments Deep dive on GPR and Open Banking Our Journey Launch of GPR in North America + Launch of Mobile Rewards For personal use only Incentives Launch of GPR in + Expansion into Scandinavia Launch of largest + B2B & B2C Cards Launch of GPR UK and Europe in Australia European mall + Mastercard
Slide 8: EML operates in a Trillion dollar industry
EML Payments Deep dive on GPR and Open Banking EML operates in a Trillion dollar industry Global: number of debit and prepaid cards For personal use only in market = 799 million Our business model has been (Source: Nilsson Report February 2020) focused on diversification whilst Global: being agile e
Slide 9: GPR growth and Pipeline
EML Payments Deep dive on GPR and Open Banking GPR growth and Pipeline For personal use only Business Development Momentum General Purpose Reloadable - Gross Debit Volume Launched 64 new programs 12 Signed 79 new contracts in H1: 10.1 10 86% Gross Debit Volume ($'Billions) GPR 55 5 Year CAGR 8 G&I 1
Slide 10: Digitally transforming the salary packaging industry
EML Payments Deep dive on GPR and Open Banking Digitally transforming the salary packaging industry For personal use only Case Study - Salary Packaging – 09
Slide 11: Over 3,000 merchants
EML Payments Deep dive on GPR and Open Banking Over 3,000 merchants 02 03 View the different Use your Salary Packaging Card at offers available in participating Merchants to take advantage For personal use only 01 App and in your Local Area of the offer Save with ease – Select an offer The Merchant
Slide 12: EML's Total Salary Packaging Solution
EML Payments Deep dive on GPR and Open Banking EML's Total Salary Packaging Solution For personal use only EML Salary Packaging Cardholder Portal EML Salary Packaging EML Salary Packaging The EML Salary Packaging Cardholder Portal offers a real time dashboard Physical Card Digital Card and App for p
Slide 13: Innovation delivered in months
EML Payments Deep dive on GPR and Open Banking Innovation delivered in 4 months For personal use only Case Study - Salary Packaging EML 300k active Six companies developed a benefit accounts went live with unique salary by end of FY21. the solution in packaging Over $2.5bn in load four months soluti
Slide 14: Online Bookmakers
EML Payments Deep dive on GPR and Open Banking Online Bookmakers For personal use only Customers Fully Branded Increased Get Immediate Case Study - Gaming White Label Customer Access to Solution Engagement Winnings Online Bookmakers The solution Online Bookmakers exist in a highly competitive enviro
Slide 15: Emergency Aid: UNHCR Case Study
EML Payments Deep dive on GPR and Open Banking Emergency Aid: UNHCR Case Study For personal use only Cash displacement Fully integrated greatly enhanced Increased safety and custom Case Study - Government efficiency, from not carrying portal allowing traceability and cash control and insights visibi
Slide 16: Aberdeenshire Health & Social Care Partnership
EML Payments Deep dive on GPR and Open Banking Aberdeenshire Health & Social Care Partnership For personal use only First Scottish Fully integrated One portal Local Authority and custom login that enables Case Study - Government integrating the EML portal allowing payments for payment card portal co
Slide 17: EML and The Spanish Post Office Create 'Correos Prepago'
EML Payments Deep dive on GPR and Open Banking EML and The Spanish Post Office Create 'Correos Prepago' For personal use only Design and implementation Innovative 2,400+ branches Case Study - Government of a dedicated contactless mobile app and in Spain technology customer service support Correos Pr
Slide 18: Revenue Generation
EML Payments Deep dive on GPR and Open Banking Revenue Generation For personal use only General Purpose Reloadable Open Banking 01 01 Programme set-up fee Establishment fees Set-up fee Technical integration / Technical integration card / account / ewallet issuance 02 02 Load/Re-load fee Transaction
Slide 19: Q&A
For personal use only Q&A
Slide 20: Open Banking
For personal use only Open Banking
Slide 21: The premise of Open Banking
EML Payments Deep dive on GPR and Open Banking The premise of Open Banking For personal use only Open Banking is fast becoming the largest innovation to disrupt the payments ecosystem globally. At it’s core it enables consumers and businesses to share banking data and initiate real time payments sec
Slide 22: Open banking is gaining momentum globally
EML Payments Deep dive on GPR and Open Banking Open banking is gaining momentum globally due to disruptive technology and regulatory changes, 29.8% For personal use only encouraging innovation & competition CAGR in global real-time payments (2020-25) Forecast Forecast growth transactions (CAGR to 24
Slide 23: Combining A2A & Open Banking with prepaid & BaaS
EML Payments Deep dive on GPR and Open Banking Combining A2A & Open Banking with our existing prepaid & Banking- as-a-Service (BaaS) capabilities expands our addressable market & For personal use only deepens existing relationships PREPAID & BAAS A2A & OPENBANKING GPR, gift-incentive and virtual Mas
Slide 24: Market leading platform: prepaid, A2A payments, open banking
EML Payments Deep dive on GPR and Open Banking Market leading platform offering our customers the broadest range of prepaid card products, real time account-to-account payments & the For personal use only latest in open banking technology EML CUSTOMERS NUAPAY CUSTOMERS BNPL & Lenders Fintechs & Neo
Slide 25: Nuapay offers a full suite of A2A payment options
EML Payments Deep dive on GPR and Open Banking Nuapay offers a full suite of A2A payment options in Europe with trust, scale and experience For personal use only Comprehensive Product Suite Focused on Powering Partners Open Banking — Market leading range of payment — Platform used to power a range o
Slide 26: Nuapay: a market leader in Open Banking Payments
EML Payments Deep dive on GPR and Open Banking Nuapay have established themselves as one of the market leaders in Open Banking Payments For personal use only Specialist in Open Banking payments Feature rich payment capabilities — Open Banking integrated into — Market leading functionality existing N
Slide 27: The next-gen digital wallet
EML Payments Deep dive on GPR and Open Banking The next-gen digital wallet For personal use only With Nuapay & EML product platforms we can offer: clients a full-feature digital wallet to make & collect payments, while efficiently managing all their finances NUAPAY POWERED • Real time A2A money in/m
Slide 28: Earned Wage Access & Salary Wallets
EML Payments Deep dive on GPR and Open Banking Earned Wage Access & Salary Wallets For personal use only With Nuapay & EML product platforms we can offer: our salary & payroll clients, a full-feature salary wallet with earned-wage-access capability in real-time NUAPAY POWERED • Real time A2A money i
Slide 29: Top up gaming account in under 30 seconds
EML Payments Deep dive on GPR and Open Banking Customers can top up their gaming account in under 30 seconds & collect winnings or payouts instantly. For personal use only This experience surpasses existing payments which can take up to 2-3 minutes to complete and sometimes 3-5 business days to clea
Slide 30: Real time instalment solution
EML Payments Deep dive on GPR and Open Banking Customers can enjoy the most seamless real time instalment solution on the market. For personal use only Leading Instalment Solution: Pay with Nuapay Instalments in just 3 clicks – secure way to pay with no data fields required! — Combining Open Banking
Slide 31: One-stop shop for all merchant payment needs
EML Payments Deep dive on GPR and Open Banking One-stop shop for all merchant payment needs For personal use only With Nuapay & EML product platforms we can offer: Merchants one integrated solution to manage all their payments, embedded in their software or through their fintech partner Receive — En
Slide 32: Nuapay Platformification Model: OneBanks Example
EML Payments Deep dive on GPR and Open Banking Nuapay Platformification Model: OneBanks Example For personal use only Platform based model offers exponential scale New entrants like OneBanks are solving problems for the banks whilst disrupting the traditional infrastructure ownership of banking OneB
Slide 33: Q&A
For personal use only Q&A
Slide 34: Thank you
Thank you For personal use only Level 12, 333 Ann Street Brisbane City, QLD 4000 Telephone: +61 7 3557 1100 emlpayments.com