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2018 Business Briefing (Payment Services) December 10, 2018 Representative Director and Senior Executive Vice President Shigeki Yamaguchi © 2018 NTT DATA Corporation Self-introduction ■Business experience Apr 1984 Joined NTT DATA • Engaged in development of middle software for shared scientific computation systems • Project leader of system development for distribution industry, etc. Jul 2010 Head of Enterprise Business Consulting Marketing Sector • Engaged in establishment of NTT Data Business Consulting Corporation, a predecessor of QUNIE CORPORATION, a consulting firm of NTT DATA Group, and concurrently served as Director and Executive Vice President Jan 2013 Representative Director and Senior Managing Director of JSOL Corporation • Engaged in expansion of SAP business Jun 2013 Senior Vice President, Head of Business Consulting & Marketing Sector • In charge of consulting and ERP (Biz∫) business Jun 2014 Senior Vice President, Head of Third Enterprise Sector Shigeki Jun 2016 Executive Vice President, Head of IT Services & Payments Services Sector • In charge of payment business, distribution and service industries Yamaguchi Jun 2017 Director and Executive Vice President, Responsible for Enterprise & Solutions Segment and China & APAC Segment Jun 2018 Representative Director and Senior Executive Vice President ■Area of expertise Digital commerce, payment, and consulting 2 © 2018 NTT DATA Corporation Organizational structure • IT Services & Payments Services Sector of Enterprise & Solutions Segment provides services for Japanese payment infrastructure (CAFIS) and global payments mainly in Asia. Representative Director IT Services & Payments Cards & payments and Senior Executive Services Sector Services Division Vice President Head of Cards & Senior Vice Payments Services President Division Head of IT Masahiro Kawai Foreign Group Company Services & Shigeki Payments NTT DATA Hong Kong Limited Services Sector Global Payments & Yamaguchi Services Division NTT DATA Thailand (Payment Company) Isao Arima Head of Global NTT DATA China (Payment Sector) Payments & Services Division VietUnion Online Service Corporation Akihiro Ishizuka iPay88 Sdn, Bhd Atom Technologies Limited FR Division (Agreed to join the Group in November 2018) Retail Services Division Life Digital Division Broadcasting & Information Services Division 3 © 2018 NTT DATA Corporation INDEX 1. Domestic payment business 1.1 State of payment systems in Japan 1.2 Scheme of major payment methods 1.3 Basic services provided by CAFIS 1.4 Changes in the payment market 1.5 Example of growth strategy and efforts 2. Global payment business 2.1 Business overview 2.2 Example of growth strategy and efforts 4 © 2018 NTT DATA Corporation 1. Domestic payment business 5 © 2018 NTT DATA Corporation 1.1 State of payment systems in Japan 6 © 2018 NTT DATA Corporation Forecast of payment method composition • Though domestic consumer spending remains flat at little more than 300 trillion yen/year, the ratio of non-cash payment is expected to rise. • Based on current trends, it is expected to rise to nearly 30% in 2020 and nearly 45% in 2025. Projected composition of non-cash payments within consumer spending Trillion yen ％ 350 46.3 50 45 300 40.3 40 34.4 35.9 250 32.1 35 29.3 27.1 30 200 23.7 25.4 21.6 25 150 19.4 20 100 15 10 50 5 0 0 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Prepaid type (prepaid card & e-money) Debit card Credit card Cash, etc. NCP ratio Source: Calculated by NTT Data Institute of Management Consulting based on CAGR calculated using estimated values from 2015 to 2023 in Private Consumption (2015 to 2027) “’Research on the medium- and long-term economic growth prediction by macro-economic model’ (March 2015) of METI commissioned survey”, Cashless Payment Method (2015 to 2023) “’Fig. 6.1-2 Smart payment market forecast’ (P219) in ‘IT Navigator 208 Nemban’ of Nomura Research Institute”, Cashless Payment Method (2024 to 2025) “Estimate of Nomura Research Institute” 7 © 2018 NTT DATA Corporation Payment-method options for individuals • Although the measurement points are not continuous (comprising 2012, 2016, and 2018), the trend since 2012 is clear. The use of payment methods like credit cards, payment at convenience stores, e-money, and pre-paid cards is growing, while the percentage of consumers using cash only is down to around 5% from around 10%. Which of the following payment instruments other than cash do you ％ use daily? (Choose all applicable answers) 80.00 70.00 60.00 月 月 月 2012.92102.9 2016.122106.12 2018.62108.6 50.00 40.00 30.00 20.00 10.00 Payment on delivery 金 融 機関窓 口や デビット カー ド 代金引換 クレジッ トカ ード 金融口座 から の自動引 き コンビニ など電子マネ での収納 ー 代 プリペイ ドカ ード インター ネッ トバンキ ン 0.00 その他 現金以外 は使 わない E Prepaid cards bank account Automatic debit from ATM Bank teller or window from transfer Bank storesconvenience Payment at internet banking Bank transfer on Debit card Others Cash only Credit cards - money グでの振 込 落とし の振込 行 ATM から Source: Bank of Japan: Opinion Survey on the General Public’s Views and Behavior 8 © 2018 NTT DATA Corporation 9 Othersその他 Benefit店舗（売手）の都合や事情 for stores or sellers Reducing carrying cash and 手荷物（現金カード等の軽減） cards Convenience利用明細や履歴を照会できるなどの利 regarding usage details便性 Safety(securityセキュリティなどの安全性 etc.) Costs(手数料などのコスト面fee etc.) Concern about 使いすぎる心配 overspending Opinion Survey on the General Public’s Behavior Views Public’s and General the on Survey Opinion Speed支払手続きのスピード・簡便性 and convenience of payment Amount of payment 支払金額の大きさ Source:Bank of Japan, Benefit regarding rewardポイントや割引などの便益面 points and discounts Which of the following is/are the major factor(s) that you consider when choosing a payment instrument to to instrument a payment choosing when you consider that major the factor(s) is/are following of the Which answers) all applicable (Choose payments? make daily 0.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% © 2018 NTT DATA Corporation In addition, “amount of payment” is another major basis for choosing a payment method. method. a payment choosing for basis major another is of payment” “amount addition, In Reward points and discounts are seen as the most important factors. are as seen the most important discounts and points Reward • • Importantfactors when choosing a payment method Trend toward e-commerce • The e-commerce market is growing continuously. Although the growth rate declined in FY15, it began rising again in FY16. B-to-C e-commerce market in Japan (100mn yen) 160,000 30% 物販系Retail サービス系Service デジタル系Digital Total全体 YoYGrowth成長率 rate 140,000 25% 120,000 20% 100,000 80,000 15% 60,000 10% 40,000 5% 20,000 0 0% 2010 2011 2012 2013 2014 2015 2016 Source: METI: E-Commerce Market Survey 10 © 2018 NTT DATA Corporation E-commerce payment methods • Generally, 70% of e-commerce uses credit payment. Around 20% of e-commerce transactions are paid by the convenience store payment. There are not much difference in its proportion every year. 250,000 100% Account口座振替 transfer Account口座振替 transfer Virtual仮想通貨 currency 90% Virtual仮想通貨 currency IDID payment決済 IDID payment決済 200,000 80% Pointポイント決済 payment Pointポイント決済 payment 70% Payment多通貨・外貨決済 on foreign Payment多通貨・外貨決済 on foreign currency currency 150,000 Union銀聯・アリペイ Pay, Alipay 60% Union銀聯・アリペイ Pay, Alipay PayPal PayPal 50% Bank振込・ transfer,ATM ATM Bank振込・ transfer,ATM ATM 100,000 Carrierキャリア決済 payment 40% Carrierキャリア決済 payment Internetネットバンク banking Internetネットバンク banking 30% E電子マネー-money E電子マネー-money 20% 50,000 Convenienceコンビニ（オンライン） stores Convenienceコンビニ（オンライン） stores (Online) (Online) Convenienceコンビニ（払込票） stores 10% Credit cards and Convenienceコンビニ（払込票） stores (Offline) (Offline) convenience stores Creditクレジットカード cards Creditクレジットカード cards 0 0% account for 90% 2014 2015 2016 2014 2015 2016 11 © 2018 NTT DATA Corporation 1.2 Scheme of major payment methods 12 © 2018 NTT DATA Corporation Credit card payment scheme • The main players of credit cards issued by international brands are: international brands, issuers, acquirers, and merchants. • Services such as CAFIS and CDS provided by NTT DATA are used as payment infrastructure for processing transaction data (authorization data and sales data) of credit cards. ● Cardholder bank account maintenance In general ● Cardholder bank account settlement ・ credit cards are issued by credit card companies Users ・ debit cards are issued by banks ・ pre-paid cards are issued by both credit card companies and banks Issuer Payment International Infrastructure brands (CAFIS, etc.) Payment infrastructure ● Brand value enhancement Consideration of risk layout and rules (CAFIS/CDS, etc.) ● Acquirer establishment and management ● Brand promotion (mainly card Payment companies) Agent (PSP) ● Merchant recruitment Merchant ● Merchant risk management ● Merchant settlement 13 © 2018 NTT DATA Corporation J-Debit payment scheme • This service enables payment by cash cards issued by financial institutions who are members of J-Debit. • The service is also provided by NTT DATA for clearings between banks. Cardholder bank account (9) Settlement between financial institutions (Day X+2 days) via financial financialbetween system institutions Settlement (3) Real-time Card Users withdrawal from cardholder account issuing (8) Transmission of end-of- financial day data between financial institutions (Day X+1 day) institution (8) Transmission of end-of-day data (6) J-Debit sales data between financial （Day X） institutions (Day X+1 (1) Offer to use J-Debi (5) Purchase of day) PIN code entry products/services Clearing Settlement (2) center bank Withdrawal request (7) Calculation/offset for one day (4) Result notification Merchant (8) Transmission of end-of-day Payment agent data between financial financial institutions (Day X+1 day) (PSP) institution (9) Settlement between financial Merchant institutions (Day X+2 days) (10) Pay a sum into a member merchant’s account (Day X+3 days) 14 © 2018 NTT DATA Corporation Merchant bank account E-money (chip format) categories • There are four main e-money (chip format) categories (post-paid and pre-paid of independent players, pre-paid of public transportation companies, and pre-paid of retail companies) in Japan. • Because commuter passes are by necessity highly portable, they have won widespread adoption as a form of e-money.
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