Bank Name Innovation Name

PKOBank Bank name Polski Polski Standard Płatności Innovation name From IKO to BLIK Distribution & Marketing Innovation Awards PKO Bank Polski Polski Standard Płatności Best Innovation in Payments Our innovation at a glance 2015 2014 2013 1 6 banks Launch of Blik IKO migrates into in 6 Apps of founders Launch of IKO mobile payment • The common standard • The app-based mobile standard is launched as BLIK, payment system of • 6 of largest Polish • It has been PKO Bank Polski, banks founded a joint incorporated in mobile • One app for POS, venture called PSP, banking apps of the eCom, ATM and P2P, founder banks, • Common standard • No need for card initiated by IKO. • It becomes the usage. domestic payment standard. PKO Bank Polski Polski Standard Płatności Best Innovation in Payments OurPayment innovation ecosystem at a glance ACCEPTANCE USERS NETWORK Mobile banking users Brick and mortar POS systems OTHER BANKS CUSTOMERS eShops ACQUIRERS BANKS MOBILE APPS Mpos BLIK ATM PKO Bank Polski Polski Standard Płatności Best Innovation in Payments What makes our innovation special? From IKO to BLIK One standard, Omnichannel: POS, Time to market Common bank different applications ATM, eCom, P2P governance • There is no „BLIK • Blik payment code is • From closed loop • Blik is governed app”. used in the same system of PKO Bank jointly by the founder • Each bank includes way for POS, eCom, Polski to 6 issuers, banks on coopetition BLIK in its app. ATM and potentially • 8 acquirers and 1 basis. • This increases new channels (e.g. mio customers in 2 uptake. vending, years – in a heavily micropayments), regulated industry. • Can also be transmitted via NFC. PKO Bank Polski Polski Standard Płatności Best Innovation in Payments The "Secret sauce" 1 2 3 The coopetition Strategic view Innovation principle In an industry normally Founder banks were – focused on the last and are – fierce quarter results, banks Blik was designed from competitors. However, recognized the the ground up, without they recognized that strategic need to build relying in the legacy fragmented mobile defences against infrastructure and payment systems will fintech competitors – standards. not prevail. even if there’s no immediate profit. PKO Bank Polski Polski Standard Płatności Best Innovation in Payments Main results achieved Potential of BLIK – From Day 1 Mobile banking 3mln users Alior – BZ WBK – ING Bank Śląski – mBank – Millennium – PKO Bank Polski BLIK available to 20 mln bank account holders PKO Bank Polski Polski Standard Płatności Best Innovation in Payments Main results achieved Key Performance Indicators achieved within 9 months by BLIK 70% of ATMs 130 000 POS 25 000 online services more than 1 mln App Users PKO Bank Polski Polski Standard Płatności Best Innovation in Payments A special thanks to… CEOs of founder Banks Zbigniew Jagiełło Joao Bras Jorge Cezary Stypułkowski Małgorzata Kołakowska Mateusz Morawiecki Wojciech Sobieraj PKO Bank Millennium mBank ING Bank Bank Zachodni Alior Bank Polski Bank Śląski WBK Efma - Accenture Distribution & Marketing Innovation Awards Jakub Grzechnik Dariusz Mazurkiewicz Director of Mobile and Internet Banking Vice President of the Board, Polski Standard Centre, PKO Bank Polski S.A. Płatności [email protected] [email protected].

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