Yello et Izicap s’associent pour améliorer l’expérience client dans les points de vente

Yello et Izicap s’associent pour améliorer l’expérience client dans les points de vente

Nous sommes fiers d’annoncer notre partenariat avec Yello , premier fournisseur de la nouvelle génération de terminaux de paiement intelligents. Notre association permettra aux commerces de proximité, aux chaines et aux franchises de profiter des avantages combinés des solutions de Yello et de Izicap.

Le YelloPad de Yello est le premier terminal de paiement nouvelle génération : sécurisé, simple, ouvert et acceptant tous les types de paiement. Construit grâce aux dernières technologies disponibles, son tarif reste dans les gammes habituelles des terminaux disponibles aujourd’hui. Yello a été fondé en 2015 par Mike Ausems et Daniel Maurice-Vallerey, des experts reconnus de l’industrie. Avec sa nouvelle architecture innovante et ses applications, le YelloPad est parfait pour les usages fixes ou mobiles. Il a été construit pour tout type de secteur dont la distribution, la santé et le CHR (Café, Hotel, Restaurant) et permet de transformer enfin le paiement en véritable expérience client à valeur ajoutée.

Mike Ausems, co-CEO et co-fondateur de Tello :

« En combinant les services marketing d’Izicap avec la plateforme YelloPad, nous créons une solution originale pour les marchands et les distributeurs. Elle leur permettra de fournir une expérience unique à leurs clients (au moment du paiement et après) mais également de réduire le temps nécessaire à chaque paiement pour l’équipe en local. Elle pourra ainsi se focaliser sur l’accompagnement des clients du point de vente ».

Daniel Maurice-Vallerey, co-CEO et co-fondateur de Tello :

« Le partenariat permet aux commerçants de profiter des bénéfices du premier terminal de paiement tout-en-un et des fonctionnalités de la plateforme Izicap :  analyses des revenus, expertises marketing, programmes de fidélisation et mise en œuvre de campagnes marketing. Nous sommes ravis de ce partenariat ».

Reda El Mejjad, président et fondateur de  Izicap :

« Nous avons vu dans la plateforme YelloPad le terminal de paiement intelligent idéal pour un partenariat. Le terminal est léger, portable, multifonction et s’adapte à de nombreux environnements. »

La solution YelloPad – Izicap sera disponible dès la mi-2017.

Pour plus d’information sur le Yellopad

Articles de presse :

Izicap and Yello give Power to Retailers

Izicap signs a partnership deal with Ingenico Group

At the CARTES SECURE CONNEXIONS trade show, Izicap will present its Card-Linked Marketing customer loyalty solution for small merchants, to be integrated into the Telium Tetra Marketplace. IZICAP signs a partnership deal with Ingenico group.

Izicap, the pioneering French start-up specialising in Data Marketing and Card-Linked Marketing, has announced that it has signed a partnership deal with Ingenico Group, world leader in integrated payment solutions, to be integrated into the Telium Tetra Marketplace. The start-up will be present at Ingenico Group’s booth at CARTES SECURE CONNEXIONS, where it has also been chosen to participate in the Start-up Challenge.
The customer loyalty solution via Izicap’s Card-Linked Marketing payment card will be available in HTML5 on Ingenico Group’s Telium Tetra Marketplace as soon as it is rolled out.
By combining Telium’s security and HTML5’s flexibility, Telium Tetra harmonises payment applications with business applications, in order to allow merchants to improve their in-store interaction with customers. This goal is shared by Izicap, which wants to provide franchised and independent merchants with the same customer relationship marketing tools as retail giants.
By transforming consumers’ bank cards into loyalty cards, and existing payment terminals into customer relationship management tools, Izicap provides small merchants with a comprehensive and tailor-made marketing programme that provides sales statistics and analyses, monitors visits and average baskets, compares results with those of other banners in the sector, and lastly, recommends and sets up targeted loyalty offers.

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Izicap signs an exclusive partnership deal with Markadis in the United Kingdom

This partnership and the launch of the « Mii-Promo » solution marks the start of Izicap’s international development.

Nice, 7 September 2015 – Izicap, a pioneering French start-up specialising in Data Marketing and developing customer loyalty through Card-Linked Marketing, announced it had signed a partnership deal with Markadis , the British subsidiary of the Icelandic company Valitor. This UK exclusivity deal led to the Mii-Promo solution, which will be presented at this year’s Autumn Fair trade show in Birmingham (UK).

For the first international roll-out of its technology, Izicap decided to aim high: the United Kingdom is the second largest market in the world in terms of transactions behind the USA and ahead of Brazil. « We are delighted with our partnership with Markadis, which will enable us to access our first international market and we are particularly pleased that it is in the United Kingdom, which is a key territory in the sector,” explained Reda El Mejjad, President and founder of Izicap.

Markadis is one of Europe’s most progressive company in the Card Payments sector. A subsidiary of the Icelandic company Valitor, Markadis’ goal is to bring about a paradigm shift – its decision to work with Izicap will make this goal a reality: « It is high time that there was a revolution in the sector of Payment Cards to provide merchants with cutting-edge relationship marketing solutions, which are already indispensable in e-commerce, » explained Adrian Cannon, Managing Director at Markadis. « Thanks to the Izicap technology that we have integrated into our Mii-Promo product, we will be able to offer much more than a simple payment terminal. We can now offer a highly effective solution for developing customer loyalty and launching sales events. In addition to the solution’s revolutionary client features, we were delighted with the speed and simplicity of installing the solution, which doesn’t require any set- up at the point of sale. »

Mii-Promo will be launched in October 2015. This powerful transaction-based marketing tool for independent retailers and challenger brands drives sales and encourages customer loyalty. Uniquely, Mii-Promo uses customers’ existing debit and credit cards to register and operate, so there is no requirement for expensive loyalty card schemes that independent retail businesses can rarely afford and are rarely effective. In addition, the suite of data marketing tools that is the very back bone of Mii-Promo can monitor buying trends and customer behaviour to highlight and capture opportunities for the individual retailers.

While this deal marks Izicap’s first international incursion, the company has already signed an initial partnership deal with a mutual bank in France marketing its solutions under the Twiing brand. « These agreements, firstly with a bank and then with a pure player, demonstrate Izicap’s flexibility and ability to adapt to individual constraints and the structure of each market, » added Miguel Mateus, CEO of Izicap. A flexibility which will be key in an increasingly international context.

For more information or for an interview, please contact the press office

About Izicap

Izicap is a pioneering French start-up working in the fields of Data Marketing and developing customer loyalty. Founded in 2013 and based in Sophia-Antipolis, Izicap has developed a comprehensive Card Linked Loyalty solution aimed at local businesses. The Izicap solution works in partnership with Acquirers, helping them make the best use of payment card data for the benefit of merchants. Recently rolled out in France via a banking partnership, the solution has now been launched in the United Kingdom via an exclusivity deal with the private company Markadis under the brand name of Mii-Promo. Izicap is supported by BPI France and the Village by CA from Crédit

About Markadis

Founded in 2014, Markadis Ltd is Europe’s most progressive company in the card payments sector. Headquartered in Heathrow, Markadis is driving the card acquiring industry to add value to the retail sector and the company’s marketing solutions are offered with all the costs of card transaction acquiring built-in to an affordable service package. The company is majority owned by Valitor, a financial institution established in 1983, a group member of VISA EU and a principal member of MasterCard International putting it on an equal footing with all the leading banks in the UK.

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Mobile Marketing : Why It Matters for Cardlinking  

smartphoneWhile it’s no secret that consumers have long favored online shopping, industry reports show an increasing predilection for researching products and making purchases on mobile devices rather than desktops. A recent Forrester report revealed that mobile commerce surpassed desktops in retail traffic last year, while Prosper Mobile Insights indicates that 81% of smartphone users have done product research from their phones with 50% eventually making a purchase through the same device. Most compelling of all are the statistics on the actual sales resulting from mobile commerce: TechNavio’s analysts forecast the global m-commerce market to grow at a CAGR of 32.23 % over the period 2014-2019, while new research from Mintel narrows in on the European market to show that mobile commerce is on a steady rise in 19 countries. Indeed, Europe’s online retail sales are expected to reach €330 billion in 2019 with nearly half of these purchases made on smartphones in the UK and Italy.

The increasing consumer preference for mobile commerce therefore presents demand and opportunity for mobile marketing strategies in the context of cardlinking. In order for merchants and financial institutions alike to capitalize on this growing trend, it’s imperative to employ efficient marketing strategies which reach these consumers.

Mobilize e-mail

According to a Litmus research report, 51% of consumers check their e-mail on a smartphone or tablet, yet 80% reported deleting the email if it was hard to read or did or format properly. What message can be taken away from this? When sending emails to customers, it’s critical that the format be optimized for mobile so the message–or reward–is never lost. Use a clean, uncluttered layout, large font, and small, concisely written blocks of text instead of long paragraphs—this will dramatically improve the appearance of your email and make it easier to read. While images can enhance appearance, large image files may take too long to load. It’s wisest to keep images to a minimum and also ensure that customers can respond or navigate to a new (also mobile-optimized) page with buttons. Remember that space is limited on a mobile interface and customers are always looking to save time—so keep it simple and straightforward. To make it easy for customers to redeem awards, for example, their emails need to be easy to access.

Mobilize your website

Optimizing a website for mobile devices is just as critical. While the appearance of a mobile version website does not have to match the web version exactly, the content should be rich and not lacking in critical resources. Once again, buttons allowing the customer to make a purchase, contact the business, or link to social media should be easy to find and functional. Links are hard to click on, so they should be avoided whenever possible. Research has shown that shoppers are more likely to purchase from a brand that offers an engaging mobile experience, and keep in mind that customers often compare web and mobile versions when it comes to fostering brand loyalty.

Engage with Social Media

It’s not enough to have a business presence on social media sites. As many consumers enjoy accessing their various social media accounts from their mobile devices, businesses are poised to reach a greater audience by marketing directly to their customers through these sites and making it easy for them to leave reviews. Businesses may offer especially targeted deals to customers based on their purchase history, for example. Consumers also like to look up reviews before making purchases, with First Data reporting that 81% of smartphone users checking social media for reviews before buying. It’s therefore critical to integrate a mobile program with customer reviews and offer social media sharing buttons on mobile to facilitate mobile marketing.

Localize and Time It Right

Just as cardlinking provides tailor-made rewards for customers, localization is all about keeping the customer’s preferences and habits in mind. Businesses need to always bear in mind the language and cultural expectations of the consumer depending on their location. This can mean everything from using commonly used local/regional expressions in marketing campaigns to choosing culturally appropriate or appealing colors and even fonts (while avoiding themes that might be deemed offensive or negative, such as colors or numbers traditionally considered bad luck). These small details can eventually count on a bigger scale. Timing is just as important—when customers are sent their rewards or incentives play a big role in determining customer loyalty and retention. By tracking individual purchase history, businesses can determine the best times to send offers and communicate with their customers for optimum results.

When done right, mobile marketing strategies provide excellent ways for businesses to attract customers and optimize cardlinking. For customers to best appreciate the rewards a business has to offer, it’s important for businesses to strategize how and when to engage with their customers through mobile marketing.

Card-Linked Offers: Which Model is Best for Financial Institutions in Europe?

By Reda El Mejjad, CEO of Izicap, and originally published here.

Financial institutions were quick to get to grips with Big Data. credit card

They know that they have important
customer information and they’d like to be able to leverage on it. Consumers use cards for payment almost every day so they have huge information potential. Banks are therefore focusing on the privileged card sector.

The US trend known as card-linked offers cannot in our view be transferred identically to the European market. Its ability to adapt to the local context has to be considered beforehand. European consumers tolerate a certain amount of intrusion into their private lives from Google and Facebook but they may not be so lenient with their banks on the subject. The risk to reputation in transferring a US model to Europe must be analysed in depth.

There are two models of card-linked offers (CLO):

  • The “Issuer” model driven by card issuers (cardholder’s bank)
  • The “Acquirer” model driven by the acquirer (merchant’s bank)

Issuer model

The issuer model involves an in-depth analysis of cardholder’s card transactions unbeknownst to them and targeted couponing offers provided as instant rewards at participating retailers (mainly large retailers). Advertising’ offers are then published on the consumer’ online bank statements (online banking). The card holder may have the option to be removed in this model (Opt out).

This model may not be appropriate in Europe for the following reasons:

  • The rate of return will be very low based on having to work as on an opt-in basis. The American model works on an opt-out basis.
  • In the US, these offers are pushed on the consumers credit card statements which usually are not linked to the Bank statement. In Europe we are dealing with a debit card linked to the bank account where compliance are vigilant to third party using bank statements
  • Since these offers may affect the issuing bank’s image and reputation, the subject will have to navigate the gauntlet of the Compliance department. The recent experience of ING bank in Holland demonstrates how sensitive the issue is. After stating their desire to experiment (even in opt-in) with the roll-out of CLO-style targeted offers, ING received a volley of criticism forcing them to publish several press releases to attempt to reassure the public.
  • This profiling method hasn’t proven more efficient than allowing the client to express his/her expectations through more classic methods.

Acquirer model

The acquirer model is more merchant-centric and involves less intrusive use of card details. The service is based on POS transaction data from the retailer and not the consumer’s card details. Cardholders receive the offer from the retailers they’ve purchased from so the sense of intrusion is far less and there is almost no risk to the bank’s reputation.

There’s a good chance that the acquirer model will be easier to adopt in Europe. Especially since existing players have been encouraged to adapt their offers to stay competitive following the erosion in commission on payment transactions combined with the arrival of pure players such as Apple Pay or Paypal in Store. Card-link marketing solutions provide a real opportunity to improve the Acquiring bank/merchant relationships and set-up a new revenue stream for them. These solutions can provide a real valuable support to small merchants who need a real cultural change to adopt digital marketing tools and to compete with large retailers and Internet stores.