1. Product Roadmap
Marc Castrechini
Vice President, Product Management

2. Agenda Vision and Strategy Organization Product Line Review
Product Roadmap

3. Product Vision
Security
Simplicity
Flexibility
Extensibility

4. Simplified & future-proof payment architecture
Genius provides ultimate flexibility to merchants to customize a solution to their needs
Countertop
Handheld
Semi-integrated hardware
Mini
Simplified & future-proof payment architecture
EMV
No processor certifications
True Omnichannel Experience
Unified tokenization
Unified reporting
All payment types
Ease of switching processors
Remote/online management of the payment/gateway infrastructure
POS providers integrated to Genius
90+
Certified credit and gift processors
Gift processors
Chase, Givex, Opticard, STS, Cayan, SVS, ValueLink, Valutec, Worldpay
eCommerce platform
Direct integration
(to Cayan gateway)
Merchant
EMV CERTIFIED

5. Organization

6. Product Organization Roles
Product Line Manager
Strategy / Roadmap
Backlog / Priority
Customer Feedback
Pilot / Launch Strategy
Business Case
Technical Product Manager
Solution Engineering
Technical Liaison
Technical Release Notes
Release Management
Production Issues and Enhancements

7. Product Lines Genius Platform Unified Commerce Solution
Loyalty, Offers and Rewards
Core Payments
Portals

8. Product Organization 100+ years experience in payments
Product Line Management
Technical Product Management
Unified Commerce
Loyalty, Offers, Rewards
Core Payments
Genius
Portals
Stacy Ihnat
Tcheilly
Nunes
Neil Axe
Suzanne Winkler
Peter
Scharnell
Chad Lowman

9. Product Line Review

10. Genius Platform
Mini

11. Genius Handheld Unique Value Proposition
Use in aisle or as a stand-alone device
Improve customer experience and increase business efficiency
Exemplifies Genius’s ability to be hardware agnostic with little to no integration change
Wi-Fi enabled device makes setup and support simple
Android OS allows developers to run either cloud-based or native Android POS systems alongside Genius
Full featured device supports: EMV, PIN Steering, Signature Capture, Line Item Display, NFC and Tips
‘Pay at the Table’ in development

12. Unified Commerce Solution
Gives merchants the ability to manage the customer experience across locations and between channels without ever touching cardholder data.

13. Processor Flexibility
Gateway Only
Gateway services allow partners and their customers to maintain existing acquirer relationships as needed
Bundled Solution
Avoid the challenges of coordinating two companies to handle support issues
Cost avoidance by reducing the need for multiple companies in the value chain
Opportunity for residual earning
These solutions have been 5 years in the making, with millions of dollars put into development.
No one else has invested the way Cayan has.

14. All with a single encrypted token
Shared Tokens
Buy online
Return in-store
Buy online
Pick up in-store
Buy in-store
Fulfill online
All with a single encrypted token

15. Cayan Checkout Accept e-Commerce transactions
e-Commerce shopping cart plug-in which can be used for online, mobile web, mobile app
Consolidated reporting across channels
In pilot - fraud prevention powered by Kount
“Shoppers who buy in-store and online have a 30% higher lifetime value than those who shop using only one channel.”
– Pew Research Center, December 2016

16. Cayan Card Vault
Store tokenized card numbers securely, taking you completely out of scope for PA-DSS
Eliminates need to store actual card numbers
Pain Points solved
Reduces risk of storing card holder data
Supports subscriptions, recurring billing, card-on-file transactions, auto-reorder purchases

17. Card Account Updater Perform card account updates for re-issued cards
Recurring billing merchants experience up to a 15% decline rate due to expired cards
Expired cards = easy to discontinue service
Unique Value Proposition
Stops “involuntary churn” and revenue loss due to declined cards
Most eCommerce providers do not have Account Updater functionality

18. Product Roadmap

19. Approach Value Stream Backlog Prioritization Capacity Management
Release Planning

20. Product Roadmap: Genius Platform
Q1 2017
Q2 2017
Q3 2017
Genius Mini (iOS)
Genius Canada
Tip eligible amount
Forced sale (swipe)
Genius Mini (Windows/Android)
Handheld Pay at Table
Customer satisfaction survey
collection/ receipt
Pin redemption
Agreement enhancements
Genius 2.0
Receipt detail
LID enhancements
Handheld collection

21. Genius Mini Unique Value Proposition
Payment mobility with broad acceptance types (MSR, EMV, NFC)
Connectivity through device allows for Wifi or cellular
Simple Genius API consistent with product suite
Headphone and Bluetooth options
Use Cases
Restaurant: Pay at the table
Line Busting: Improve check out efficiency
Aisle Buying: Bring the buying experience to the customer
Off-site Buying: Pop-up stores, home service or delivery, food truck, etc.

22. Product Roadmap: Unified Commerce
Q1 2017
Q2 2017
Q3 2017
Cayan Checkout: Fraud Control with Kount (Phase 1)
Cayan Checkout: Enterprise Fraud Control
RFM IQ (Phase 1)
Magento
DemandWare
Cayan Checkout: Gift Cards
ApplePay mobile wallet checkout

23. Cayan Checkout with Fraud Control
powered by
Retailers can detect and prevent fraud activities across their entire online portfolio
Currently in pilot, launching in phases in 2017
Single integration – One integration covers entire base of merchants
Real time fraud analytics so that customers’ goods can be delivered in hours not days
Built-in fraud expertise with pre-defined rules designed to catch the most common types of fraud

24. RFM IQ
A unique ID for every card used, thus creating a holistic view of a shopper’s behavior across channels and locations
Store 1
Purchase 1
Website
Purchase 2
Store 2
Purchase 3
Mobile app
Purchase 4
Customer profile
Great for use in analysis of shopper behavior and creating personalized offers

25. Product Roadmap: Core Payments
Q1 2017
Q2 2017
Q3 2017
Vault hosted page
Check processing
WorldPay EMV
TSYS EMV
First Data Level 3
Batch upload

26. Product Roadmap: Portals
Q1 2017
Q2 2017
Q3 2017
Single Sign On (Phase 1)
Merchant Portal (Phase 1)
Virtual Terminal: EBT Cash
Virtual Terminal: Overview (Phase 3)
Partner Portal
Merchant Portal (Phase 2)
Virtual Terminal: Batch Enhancements
Auto-enrollment (Phase 2)
Merchant Portal (Phase 3)
Agent Portal
Virtual Terminal: Admin Enhancements

27. Auto Enrollment

28. Auto Enrollment: Branding

29. Today’s retailers are facing steep challenges in attracting and retaining customers
Attracting New Customers
Driving Repeat Purchase and Loyalty
Increasing Spend
Consumers have unlimited choice and are extremely sensitive to saving money
Personalized offers and rewards are needed to drive incremental customer behavior
Building customers baskets and add-on purchases
Trial-driving offers
Mobile, geo-targeted offers
Customer analytics and behavior tracking
Personalized rewards and offers
Total purchase discounts
Tiered discounts
Product-based discounts
Loyalty, Offers and Rewards
Integrated offers
Integrated mobile wallet offers and on-screen redemption
Customer tracking through RFM IQ
Rewards platform
Integrated offers
Targeted offers
Integration with mobile wallets

30. Product Roadmap: Loyalty, Offers, Rewards
Q1 2017
Q2 2017
Q3 2017
Points accumulation (all tenders)
Reward redemption
Account balance
Account/Phone # linkage
Split tender
Merchant self service
Portal enhancements
Refunds
Reward eligibility in basket
NFC single tap
Instant issue (phone # + Apple wallet)
Wallet pass with Urban Airship
Frequency point scheme
Points until next reward on receipt
Welcome and activation templates