Copyright © Cielo | Todos os direitos reservados
Copyright © Cielo | Todos os direitos reservados
CIELO DAY BRAZILIAN PLASTIC INDUSTRY EVOLUTION AND CHALLENGES
CEO | Rômulo de Mello Dias
Copyright © Cielo | Todos os direitos reservados
23.2% 25.2%
19.6%
23.8% 23.4%
18.1% 17.9%
Growth (% yoy)
Financial volume (R$ billions)
266 329
394 487
601 710
837
2007 2008 2009 2010 2011 2012 2013INDUSTRY
BRAZILIAN ACQUIRING
Source: ABECS; Strategic Planning Cielo
Copyright © Cielo | Todos os direitos reservados 1
Copyright © Cielo | Todos os direitos reservados
MIX OF PRODUCTS IN BRAZIL
Total sales volume breakdown (%) - 2013
Growth rate (% Y.o.Y.)
Debit
36% 36%
Credit Credit Installment Total
31%
33% 64%
Source: ABECS, Cielo Analyst
+22,5% +14,8% +15,6% +17,9%
2
Copyright © Cielo | Todos os direitos reservados
NUMBER OF INSTALLMENT CREDIT SALES
% of sales - 2013
% in 2010
79,8% 13,9% 4,6% 1,7%
1 installment
81% 81%
2 and 3 installments 4 to 6 installments 7 or more installments
13%
19%
4% 2%
Total
Source: ABECS, Cielo Analysts 3
Copyright © Cielo | Todos os direitos reservados
MIX OF PRODUCTS BY SECTOR IN BRAZIL
Source: ABECS, Cielo Analysts
% of plastic volume - 2013
80%
20%
69%
31%
68%
32%
64%
36%
60%
40%
59%
41%
57%
43%
Food
retailing
Other
Wholesalers
and Retailers
Merchants
Automotive Industry
and
Primary
Sector
Tourism and
Entertainment
Retail Other Services
and
Autonomous
Professionals
Debit Credit
Copyright © Cielo | Todos os direitos reservados 4
New Regulatory Landscape
Until november “payment institutions” must request the Central Bank authorization, that beyond unrestricted access to data basis, will supervise activities as followed below:
Authorization for relevant corporate operations
Approval of estatutory positions
Adoption of a minimal structure in terms of
operational risks, credit and settlement
management
Annual review of policies and strategies
Minimum requirement of equity
Adoption of prevention procedures to
“money laundering” crimes
Preservation of merchant personal and
operations data secrecy
Adoption of liability scheme
Adoption of special intervention, extrajudicial
settlement and temporary special
management regimes applicable to financial
institutions
Interoperability of brands
Copyright © Cielo | Todos os direitos reservados 5
:
Credit
90.7%
Source: Braspag and IBOPE
Means of Payment [% sales]
1st Q/2014
MORE THAN 90% OF BRAZILIAN E-COMMERCE
SALES ARE MADE WITH PLASTIC
Bank Slip
8.6%
Debit
0.7%
E-COMMERCE IN BRAZIL OVERVIEW
Copyright © Cielo | Todos os direitos reservados
6
E-COMMERCE IN BRAZIL
Physical stores E-commerce
84
Average Ticket [R$] 1st semester/2014
133
58%
¹ Considering the same sectors (exception of airlines)
Source: Cielo
OVERVIEW
Copyright © Cielo | Todos os direitos reservados
7
Mix of Products [%Volume] Average Ticket by Product [R$]
65.7%
29.3%
34.1%
29.4%
41.2%
Physical Stores*
100%
E-commerce
0.2%
*Considering the same sectors (exception for airlines)
Source: Cielo
60 59 70
380 330
E-commerce Physical
Stores
N/A
E-COMMERCE IN BRAZIL OVERVIEW
Credit Credit Installment Debit
Copyright © Cielo | Todos os direitos reservados 8
PLAYERS ARE LOOKING FORWARD
SUPPORTING RETAILERS
SEAMLESS SHOPPING
CONSUMER LOYALTY AND RELATIONSHIP
COMPETITIVE
INTELLIGENCE
CIELO MOBILE: Mobile app for payment
CIELO PROMO: Consumer rewards program
LINKCI: Consumer relationship
BIG DATA: Competitive intelligence data
Source: Novos negócios e planejamento estratégico Copyright © Cielo | Todos os direitos reservados
Cielo’s special solutions
9
Copyright © Cielo | Todos os direitos reservados
CIELO MOBILE
Market’s most complete and secure solution
The only solution that accepts all
kind of products and the main nation
and international brands
SECURITY
CERTIFIED BY CISP
10
Copyright © Cielo | Todos os direitos reservados
Increase your sales?
YOU WISH:
Disclose new products?
Achieve new clients?
Keep current customers?
Increase your customer’s
interests by store?
Surprise your customer
with a different
shopping experience?
11
Copyright © Cielo | Todos os direitos reservados Copyright © Cielo | Todos os direitos reservados
IN TERMINAL PROMOTIONS
Cielo Promo is an exclusive service that allows promotions in the POS
There is no comparison Perform your promotions in a easy way and with the lowest market price
Cielo Promo strongly reduces existing operational costs in other kinds of promotions
12
Copyright © Cielo | Todos os direitos reservados
WITH CIELO PROMO YOU HAVE LOTS OF MECHANICAL PROMOTION OPTIONS:
The promotional message comes up directly in the terminal
Encourage your customer to return to the point of sale
RAISE OF
VISITORS
Raise the average ticket for each shopping
SHOPPING UP TO
Copyright © Cielo | Todos os direitos reservados 13
**PROMOTION** You earn a coffee shopping up to
R$ 20
**PROMOTION** Earn an
ice cream in your next visit
Copyright © Cielo | Todos os direitos reservados
ENCOURAGE YOUR CUSTOMER
TO RETURN TO YOUR POINT OF SALE
AND INCREASE THE AVERAGE TICKET
FOR EACH PURCHASE
RAISE THE RETURN OF
YOUR CUSTOMER IN THE LOWEST
SALES DAY
KEEP YOUR CUSTOMER,
RAISE THE AVERAGE TICKET OF YOUR PURCHASES AND
MAKE IT POSSIBLE FOR PARTNERSHIPS
**PROMOTION**
By accumulating R$ 50 in shopping you earn
a coffee in the next cafeteria
**PROMOTION**
Shopping on Tuesday from 9 a.m to 11 a.m
you get a 10% discount
**PROMOTION**
Earn a candy shopping
up to R$ 20
Accumulation of values
Time and date established
Linked Promotions
14
WITH CIELO PROMO YOU HAVE LOTS OF MECHANICAL PROMOTION OPTIONS:
Copyright © Cielo | Todos os direitos reservados
CIELO LINKCI
Copyright © Cielo | Todos os direitos reservados
Copyright © Cielo | Todos os direitos reservados 15
Copyright © Cielo | Todos os direitos reservados
HOW IT WORKS
CIELO LINKCI
If your establishment has already a facebook web page, register in Cielo Linkci fan page on Facebook.com/cielolinkci
YOU RECOMMENDED THIS MERCHANT
YOUR FRIENDS CAN REDEEM A GIFT ON
Create a promotion to estimulate
check-ins and recommendations
in your Cielo terminal
Manage your action performance
directly from your Linkci web page
on Facebook: volume of check-ins,
recommendations and quantity of
gifts offered
16
Copyright © Cielo | Todos os direitos reservados Copyright © Cielo | Todos os direitos reservados
CIELO BIG DATA
MARKET’S AND
STRATEGIC
17
CUSTOMER’S
KNOWLEDGE
Copyright © Cielo | Todos os direitos reservados
CIELO BIG DATA Retail’s information technology with a 360º market overview Cielo’s Amplified
Retail Index
Cielo Sectorial
Cielo Analytics
18
Copyright © Cielo | Todos os direitos reservados
THE MARKET MOST COMPLETE ELETRONIC PAYMENT SOLUTION
TO OUR CUSTOMERS INCREASE THEIR SALES