{
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  "sources": ["ssg:https://framerusercontent.com/modules/mQdiY1HWx4rQ9GFJPlcm/QQiIOczxuBr0o9VSH6Xu/Ft0P97Pal-4.js"],
  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as a}from\"framer\";import*as i from\"react\";export const richText=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"With the swift pace of modern business dynamics, companies are constantly exploring ways to refine their operations. The partnership between Zevoy and ReceiptHero is a shining example of this drive for innovation, particularly in the realm of expense management.\"}),/*#__PURE__*/e(\"p\",{children:\"Zevoy, a budding star in the expense management arena, saw a golden opportunity in pairing up with ReceiptHero's digital receipt technology. This synergy is further enriched as Zevoy exclusively issues Visa Business cards, which blend effortlessly with ReceiptHero's direct integration with the Visa transaction platform.\"}),/*#__PURE__*/e(\"p\",{children:\"One of the simple yet impactful features of this collaboration is the automatic enrollment of all cards for electronic receipts. When you shop at stores partnered with ReceiptHero, your receipts are automatically sent to Zevoy - no more hoarding paper receipts!\"}),/*#__PURE__*/t(\"p\",{children:['\"The future of receipts is digital; it\\'s only a matter of time. Our partnership with ReceiptHero allows us to provide an extra layer of automation for our users, eliminating the need to scan physical receipts. This collaboration enhances user experience and efficiency, which is at the heart of our service.\" - ',/*#__PURE__*/e(\"strong\",{children:\"Ron Lindqvist, Co-founder, Zevoy\"}),'.\"']}),/*#__PURE__*/e(\"p\",{children:\"The tangible impact to the cardholder resulting from this partnership is that it significantly saves time and costs when handling each receipt. When a Zevoy cardholder transacts, ReceiptHero swiftly generates a digital receipt, this then flows into a fully digital expense record with the transaction data from Visa, all happening in real-time in Zevoy\u2019s platform. This removes the need for manual receipt management. A substantial edge in today\u2019s competitive business environment and one that distinguishes Zevoy from the competition.\"}),/*#__PURE__*/t(\"p\",{children:[\"The partnership hasn't just been making waves within the two companies; it's caught the attention of other issuers in the corporate and consumer banking sectors too. \",/*#__PURE__*/e(\"strong\",{children:\" Saku Pihlajaniemi, CEO at ReceiptHero\"}),', shares his excitement, \"The rising demand for real-time digital receipts in expense management notably eases the daily operations for business owners. Given Zevoy\\'s rapid growth as a startup and its continual customer base expansion, this alliance presents a great opportunity for both entities to augment the offerings of Zevoy.\"']}),/*#__PURE__*/e(\"p\",{children:\"Juha Sillanp\\xe4\\xe4, Visa's country manager for Finland and the Baltics, also sees the bigger picture, \\\"At Visa, we support innovative fintech companies that can add value in the post payment space. I believe that Zevoy's groundbreaking integration with ReceiptHero, which has the potential to streamline expense management processes while promoting environmental sustainability, falls into this category.\\\"\"}),/*#__PURE__*/e(\"p\",{children:\"This integration means digital receipts zoom straight to Zevoy's expense management system in real-time, kicking paper receipts to the curb. This not only simplifies expense reporting but also reduces the carbon footprint - a win-win situation!\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership also marks a shift in how businesses handle expense management, keen on harnessing digital tech to simplify processes, cut down operational costs, and contribute to a greener planet. As Zevoy and ReceiptHero continue to polish and expand their integrated solution, it's likely to spark more collaborations, broadening the horizons in expense management and beyond.\"}),/*#__PURE__*/e(\"p\",{children:\"The smooth integration between Zevoy and ReceiptHero has set a fresh standard in the expense management sector, demonstrating how collaborative innovation can drive operational efficiency while being eco-friendly.\"})]});export const richText1=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Having started in 2011 with one tiny kiosk on a trendy street in central Helsinki, Fafa\u2019s now has restaurants across the country. Serving authentic street food, hand-made by order, in a relaxed atmosphere that encourages its customers to simply be themselves.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u201CWe\u2019ve invested significantly into our new point of sale solutions and being able to utilize products such as ReceiptHero is a great value added service for our customers. Fafa\u2019s operations are guided by values focused on the environment and community. Digital receipts is just another step in our sustainability mission.\u201D Pasi Kaurala, interim CEO Fafa\u2019s.\"})}),/*#__PURE__*/t(\"p\",{children:[\"Fafa\u2019s utilises ReceiptHero's connectivity into Oracle Simphony Cloud, one of the latest POS integrations. Oracle Simphony is widely used by large international chains across Europe and the aim is to quickly onboard more innovative merchants just like Fafa\u2019s who believe in a paperless future. The Plugin for Simphony cloud users can be located via the \",/*#__PURE__*/e(a,{href:\"https://cloudmarketplace.oracle.com/marketplace/en_US/listing/112485121\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Oracle Marketplace\"})}),\" and is easily accessible.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u201CGreat to see one of our Nordic clients utilizing innovative tech to enhance the customer experience at the checkout. This looks like a great partnership and we are happy to facilitate via our open marketplace ecosystem.\u201D Anssi Tikkanen, Sales Manager F&B - Oracle\"})}),/*#__PURE__*/t(\"p\",{children:[\"Part of offering a digital receipts solution to customers is improving the checkout experience but another part is trying to reduce or totally eliminate the need for a paper receipt. With ReceiptHero\u2019s technical capabilities, F&B retailers utilising Oracle's Simphony Cloud POS can finally turn off the paper printers and still have a means to get customers a receipt who need one. Driving better sustainable alternatives but also driving down operational costs when it comes to maintenance of paper printers across each store.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/t(\"p\",{children:[\"Are you a Oracle Simphony Cloud restaurant operator and looking to give your customers a seamless way to get digital receipts and manage their loyalty needs in one place, with clear privacy guidelines? With ReceiptHero there is no more need for paper receipts, nor countless loyalty cards and apps all over the place. All your customers need is their payment card. We will link all your merchant offers and rewards to your customers payment card! Customers can tap their physical card or use a card in Apple Pay. Fast, easy and convenient! \",/*#__PURE__*/e(a,{href:\"https://framer.com/projects/%7Bentry:71484@1:url%7C%7Chttps://www.getreceipthero.com/contact%7D\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Reach out\"})}),\" and schedule a call with the team. \"]})]});export const richText2=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Euronics is an international group of national retailers operating across the EMEA and CIS regions bringing innovative electrical products to consumers via an omni-channel approach. Being an electronics retailer by definition, using technology to improve the customer experience was not a strange idea for the Euronics Finland team. \"}),/*#__PURE__*/t(\"p\",{children:[\"\u201CReceiptHero allows us to support a better returns and refund process. Instead of a customer handing over a crumpled, faded receipt which our sales team has to deconstruct, we can now ask the customer whether they have a digital receipt, which we can quickly find the customers receipt number, the card that they used and to then issue a refund receipt showing that the items had been returned.\u201D\",/*#__PURE__*/e(\"strong\",{children:\" Vesa Bj\\xf6rklund, Euronics Finland Managing Director \"})]}),/*#__PURE__*/e(\"p\",{children:\"A customer receiving a digital receipt from a purchase at one of the 29 Euronics stores across Finland will be able to use it for full refund and product exchange, and can send feedback from their experience in-store.\"}),/*#__PURE__*/e(\"p\",{children:\"Enabling the service for Euronics became a reality due to ReceiptHero\u2019s long standing payment partner Verifone. The fully digitalised receipt platform ensures that retailers can send cash register and card terminal receipts to customers\u2019 in real time and of course digitally. Once activated the sustainable, paper-saving and innovative service runs fully automated in a merchant\u2019s Verifone payment ecosystem. \"}),/*#__PURE__*/t(\"p\",{children:[\"\u2018Staying ahead of market trends and consumer needs is an organization-wide focus at Verifone so we\u2019ve been closely monitoring the growth of use cases and applications for digital receipts. We\u2019ve been working with the ReceiptHero team for over 4 years now in addressing sustainability and CX goals and it\u2019s great to see them partnering with a multitude of different retailers, building trust across different sectors to deliver a smooth post purchase experience for merchants and shoppers\u2019.\",/*#__PURE__*/e(\"strong\",{children:\" Martin Gutekunst, Managing Director of Verifone Finland & Sweden.\"})]}),/*#__PURE__*/e(\"p\",{children:\"The ultimate benefit to Euronics customers is that the checkout experience does not change once the customer has created a ReceiptHero account and added their payment card. Typically, a basket value in electronics stores is higher than other retail segments and therefore keeping these receipts safe during warranty periods is something that customers generally want to do. What better way to do that in one simple application. \"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About Euronics\"})}),/*#__PURE__*/e(\"p\",{children:\"Euronics Group is the leading consumer electronics retail group in the EMEA and CIS regions, composed of multiple brands such as Euronics, Boulanger, Teknosa, Sharaf DG, Milar, El-salg, Foxtrot, Electro World to name a few across 37 countries. Comprising more than 8,500 outlets, the Group brings innovative electrical products to consumers via a universal omni-channel approach. Euronics Group has reported consistent year-on-year growth in turnover and revenue since it was founded in 1990, irrespective of periods of economic instability, demonstrating that the Group\u2019s focus on service and innovative solutions is unparalleled in its market.\"}),/*#__PURE__*/t(\"p\",{children:[\"Learn more at \",/*#__PURE__*/e(a,{href:\"https://www.euronics.com/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.euronics.com/\"})}),\" \"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About Verifone\"})}),/*#__PURE__*/e(\"p\",{children:\"Verifone is a FinTech leader providing valuable end-to-end payment and commerce solutions to the world\u2019s best-known retail brands, major financial institutions, and directly to more than 600,000 merchants alike. The company\u2019s global services platform is built on a four-decade history of innovation and uncompromised security and handles 10.4B+ online and in-store transactions annually, totaling more than $440B. Trusted and recognized by consumers for its growing footprint of 35 million devices in more than 150 countries, businesses choose Verifone for its global scale, local capabilities, omnichannel prowess and solution flexibility. \"}),/*#__PURE__*/t(\"p\",{children:[\"Learn more at \",/*#__PURE__*/e(a,{href:\"https://www.euronics.com/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.Verifone.com\"})})]})]});export const richText3=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"VR Group, the railway company owned by the Finnish State, has officially gone live on the ReceiptHero platform. Cardholders using ReceiptHero can now purchase train tickets from the VR Matkalla app and the vr.fi website and receive a digital receipt in their expense management solution.\"}),/*#__PURE__*/e(\"p\",{children:\"Receiving digital receipts in the ReceiptHero application is free of charge for consumers. With the new functionality, customers can also receive their receipts through the apps of our partners, such as Eurocard, M2, eTasku and Bezala. We will shortly announce more partners whose applications will be able to receive digital receipts.\"}),/*#__PURE__*/t(\"p\",{children:['\"Sustainability is a big part of VR\u2019s strategy, but so is better customer experience, meeting the customers\u2019 needs and wishes \u2013 and exceeding expectations. We are happy to be part of building an advanced digital receipt solution in cooperation with ReceiptHero,\" says ',/*#__PURE__*/e(\"strong\",{children:\"Marika Schugk, Director of Digital Services at VR\"})]}),/*#__PURE__*/e(\"p\",{children:\"The connectivity from ReceiptHero\u2019s direct Visa integration meant that no separate development towards VRs mobile and web payment gateway was required, meaning the overall development time was significantly reduced and resulted in a quicker go-to market. \"}),/*#__PURE__*/t(\"p\",{children:[\"\u2018Visa has close relationships with mass transit players both in Finland and globally, so It\u2019s great to go live with ReceiptHero and provide our Visa Offers Platform product for them to match receipts for Visa cardholders. This is a step forward for mass adoption of digital receipts and it\u2019s great to see how VR and ReceiptHero continue to be active and how value is created for merchants. , says \",/*#__PURE__*/e(\"strong\",{children:\"Juha Sillanp\\xe4\\xe4, Group Country Manager, Finland and Baltics at Visa.\"})]}),/*#__PURE__*/e(\"p\",{children:\"Want to follow in VR\u2019s footsteps and deploy your own digital receipt service? Or want to know how Visa is working together with ReceiptHero by powering a European vision for digital receipts. \"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About VR Group\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/t(\"em\",{children:[/*#__PURE__*/e(\"strong\",{children:\"VR Group\"}),\" is a responsible service company that focuses on travel, logistics and maintenance \u2013 we will transport you towards a prosperous and carbon neutral Finland. We keep society moving by providing smooth daily travel and transport, with experience gained over 160 years. By promoting electric track and city transport, we are reducing emissions throughout Finland.\"]}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Our company is owned by the Finnish State and, in addition to Finland, we operate in the neighbouring markets of the Nordic countries. We are actively seeking growth and aim to be the best in our industry. The better we succeed, the more society around us benefits \u2013 we are getting there together for a better world. Further information: \"}),/*#__PURE__*/e(a,{href:\"https://www.vrgroup.fi/en/vrgroup/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.vrgroup.fi/en/vrgroup/\"})}),\" \"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About Visa Inc.\"})}),/*#__PURE__*/t(\"p\",{children:[\"Visa Inc. (NYSE: V) is the world\u2019s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network \u2013 enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company\u2019s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit \",/*#__PURE__*/e(a,{href:\"https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fusa.visa.com%2Fabout-visa%2Four_business.html&esheet=52464420&newsitemid=20210722005434&lan=en-US&anchor=About+Visa&index=1&md5=c314756df6719a616241b4a512508a2f\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"About Visa\"})}),\", \",/*#__PURE__*/e(a,{href:\"https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fusa.visa.com%2Fvisa-everywhere%2Fblog.html&esheet=52464420&newsitemid=20210722005434&lan=en-US&anchor=visa.com%2Fblog&index=2&md5=a84a6c9669bcf53c12c12f090124d82e\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"visa.com/blog\"})}),\", \",/*#__PURE__*/e(a,{href:\"https://www.linkedin.com/company/visa/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Linkedin\"})}),\" and \",/*#__PURE__*/e(a,{href:\"https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Ftwitter.com%2FVisaNews&esheet=52464420&newsitemid=20210722005434&lan=en-US&anchor=%40VisaNews&index=3&md5=ad27c31d7f1290967ca16247fee5e60a\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"@VisaNews\"})}),\".\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})]});export const richText4=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Found in airports, railway stations, and major transport hubs across the world, Lagard\\xe9re Travel Retail is a French travel retail brand selling a wide range of products to globetrotters, including Travel Essentials, Duty Free & Fashion and Foodservices. The Lagard\\xe9re Travel Retail team were first to deploy ReceiptHero\u2019s digital receipt solution to their UK and Ireland stores across 8 airports and 8 ferries. Brands operated within the market are: \u200B\u200BDiscover, Aelia Duty Free, Tommy Hilfiger and the LEGO\\xae Store. \"}),/*#__PURE__*/e(\"p\",{children:\"With the UK and Ireland organisation to be the first to rollout self checkout at Luton Airport and be first to pilot the newest retail technology, it did not take long for Lagard\\xe9re to see the opportunity of what ReceiptHero could offer.\"}),/*#__PURE__*/e(\"p\",{children:\"The group is committed to playing a leading role in building a more sustainable future for travel retail. As part of its CSR strategy, PEPS (Planet. Ethics. People. Social), Lagard\\xe8re Travel Retail aims to reduce the environmental impact of its operations, cooperating with partners across the eco-system. \"}),/*#__PURE__*/t(\"p\",{children:[\"\u201CReceiptHero allows us to support our CSR strategy by further reducing the environmental impact of our operations. At the same time it provides our customers with a smooth innovative checkout experience.\u201D\",/*#__PURE__*/e(\"strong\",{children:\" Liam Grundy, Commercial Business Director at Lagard\\xe8re Travel Retail\"})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,GAOgmeGNyL0IkdFxRim8VwMuHyE.png\",\"data-framer-height\":\"1200\",\"data-framer-width\":\"1800\",height:\"600\",src:\"https://framerusercontent.com/images/GAOgmeGNyL0IkdFxRim8VwMuHyE.png\",srcSet:\"https://framerusercontent.com/images/GAOgmeGNyL0IkdFxRim8VwMuHyE.png?scale-down-to=512 512w,https://framerusercontent.com/images/GAOgmeGNyL0IkdFxRim8VwMuHyE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/GAOgmeGNyL0IkdFxRim8VwMuHyE.png 1800w\",style:{aspectRatio:\"1800 / 1200\"},width:\"900\"}),/*#__PURE__*/e(\"p\",{children:\"A customer receiving a digital receipt from a purchase at one of Lagard\\xe8re's stores will be able to use it for full refund and product exchange, can send feedback from their experience in-store and soon receive promotional offers for their purchase, utilizing ReceiptHero\u2019s loyalty capabilities.\"}),/*#__PURE__*/t(\"p\",{children:[\"Enabling the service for Lagard\\xe8re Travel Retail within such a short space became a reality due to our partner ReceiptHero and their connection into Worldline \",/*#__PURE__*/e(a,{href:\"https://www.six-payment-services.com/en/shared/products/value-added-services/wl-one-link.html\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"One Link\"})}),\". The fully digitalised receipt platform ensures that retailers can send cash register and card terminal receipts to customers\u2019 in real time. The sustainable, paper-saving and innovative service runs fully automated in your payment program. \"]}),/*#__PURE__*/t(\"p\",{children:[\"\u2018Similar to Lagard\\xe9re Travel Retail, Worldline also has strong CSR objectives and a clear plan for hitting those targets by 2025. So iIt\u2019s great to see a global merchant team up with ReceiptHero to deliver their digital receipt service. Worldline plays a key part in supporting this sustainable service via our One Link solution. We believe it will be a game changer for merchants looking to offer a paperless experience at the checkout for their customers \u2019.\",/*#__PURE__*/e(\"strong\",{children:\" Marco Casagrande, Division Head Global Digital Services at Worldline. \"})]}),/*#__PURE__*/e(\"p\",{children:\"The benefit to Lagard\\xe9re\u2019s Customers is that the checkout experience does not change once the customer has created a ReceiptHero account and added their payment card. They do not need to scan an additional card prior to payment, nor does the clerk need to ask for any identification such as email or phone number. Customers can receive their digital receipts in real-time from the point of purchase in the ReceiptHero app, available for both iOS and Android users.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About Lagard\\xe9re Travel Retail\"})}),/*#__PURE__*/e(\"p\",{children:\"Lagard\\xe9re Travel Retail is a global leader in the travel retail industry. Operating 4,800 stores across Travel Essentials, Duty Free & Fashion and Foodservice in airports, railway stations and other concessions in 39 countries and territories, Lagard\\xe8re Travel Retail generated \u20AC5.5 bn in sales in 2019 (managed 100%).\"}),/*#__PURE__*/e(\"p\",{children:\"Lagard\\xe8re Travel Retail has a unique holistic approach aimed at exceeding travelers\u2019 expectations throughout their journey, and optimizing landlords\u2019 assets and partners\u2019 brands.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"http://www.lagardere-tr.com/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"www.lagardere-tr.com\"})}),\" \"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About Worldline\"})}),/*#__PURE__*/t(\"p\",{children:[\"Worldline [Euronext: WLN] is a global leader in the payments industry and the technology partner of choice for merchants, banks and acquirers. Powered by 18,000 employees in more than 40 countries, Worldline provides its clients with sustainable, trusted and innovative solutions fostering their growth. Services offered by Worldline include instore and online commercial acquiring, highly secure payment transaction processing and numerous digital services. In 2021 Worldline generated a proforma revenue close to 4 billion euros. \",/*#__PURE__*/e(a,{href:\"http://www.worldline.com/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"www.worldline.com\"})}),\" \"]})]});export const richText5=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In 2021 R-kioski decided to transition from Verifone to Adyen payment terminals for their in-store payment needs. Given ReceiptHero has been working with R-kioski since 2020, they naturally wanted a smooth transition of the digital receipt service as they completed their Adyen rollout to all stores across the country. \"}),/*#__PURE__*/e(\"p\",{children:\"R-kioski is a household name in Finland and used frequently by both business cardholders and consumers for convenience items up and down the country. ReceiptHero\u2019s digital receipt service allows customers who want a digital receipt, to get in real-time and linked to the payment card used. These receipts are then viewed in different applications and services depending where the cardholder signs up for the service. \"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u201CAbout 60 million customers visit the R-kioski every year. This naturally generates a large number of receipts when customers buy take-away food, R-kioski\u2019s numerous different services and everything in between.\u201D Maria Sj\\xf6roos, R-kioski\u2019s IT & HR Director.\"})}),/*#__PURE__*/e(\"p\",{children:\"The connectivity from Visa and Mastercard integrations meant that R-kioski customers didn\u2019t see any downtime in the service, it also meant that ReceiptHero didn\u2019t need to directly integrate into Adyen\u2019s payment solution. This then allowed a quicker turnaround and the benefit for R-Kioski customers to now get digital receipts from the use of vertical cards in their Apple or Google Pay wallets. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"\u2018It\u2019s great to go live with ReceiptHero and provide our CLS product for them to match receipts for Mastercard cardholders. This is another step in the right direction for mass adoption of digital receipts. We\u2019re grateful to R-kioski for innovating and for ReceiptHero to be in the market to deploy a service like this for merchants\u2019\u201D, says Pekka Laaksonen, Country Director Mastercard Finland. \"}),/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})]});export const richText6=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Open banking has been a major enabler for the fintech world. By opening what was traditionally a closed ecosystem to third parties, fintech players can now access a world of opportunities to add value for banking customers.\"}),/*#__PURE__*/e(\"p\",{children:\"In Europe, the predominant legislation surrounding open banking is the PSD2. Although it has been heralded as a model for other countries to follow, there is one party that appears to be receiving the shorter end of the stick \u2013 the incumbent banks. As KPMG notes:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"\u201CIn the EU, the balance seems to be in favour of the non-traditional players: with the proper consents, banks are required to open up their customer data to retailers, for example, but banks are not able to access retailer\u2019s customer data. This not only creates an imbalance of information, it also dampens the desire for innovation in the banking sector.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"This is especially the case when it comes to one major application of open banking \u2013 account linking. Consider the case of fintech unicorn Revolut, which recently raised funds at an eye-popping US$5.5 billion valuation. Earlier this year, the company added bank account aggregation features that will give their users a complete view of their balances and transactions from all their banks. While consumers will no doubt benefit, Revolut will reap more benefits from this than the incumbent banks.\"}),/*#__PURE__*/e(\"p\",{children:\"Many incumbent banks are thus busy looking over their shoulder at the looming \u201Cthreat\u201D of open banking. Others are looking for opportunities to capitalise on this trend that is slowly but surely going global. However, most are ignoring the gold already buried in their own backyards.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Card linking as a means of leveraging granular transactional data\"})}),/*#__PURE__*/e(\"p\",{children:\"The most common form of card linking is when customers connect their usual debit or credit card to merchants\u2019 loyalty programmes. Compared to filling out forms at the counter, card linking offers a superior user experience \u2013 customers need only scan their card number to sign up. Besides the smooth onboarding process, merchants enjoy card-linked loyalty programmes because:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"They can access their customer\u2019s granular transactional data \u2013 such as amount, date, and store location \u2013 in real time\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"They never have to handle customer data, meaning they need not be PCI compliant\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Customers\u2019 transaction data will be automatically captured once they opt-in and until they opt-out\"})})]}),/*#__PURE__*/e(\"p\",{children:\"By contrast, account linking\u2019s user experience is much less streamlined. Customers must hand over their account number and sort code \u2013 which many are uncomfortable doing \u2013 and reauthenticate their account every 90 days. Further, the data is generally much less granular as it pulls from the settlement stream (instead of the real-time authentication stream as with card linking).\"}),/*#__PURE__*/e(\"p\",{children:\"In other words, at present, card linking \u2013 at least from the merchant\u2019s perspective \u2013 simply offers more convenience, both for them and their customers.\"}),/*#__PURE__*/e(\"p\",{children:\"But what about the banks? For them, card-linked loyalty programmes offer a means of compensating for the continued squeeze on interchange fees and interest margins (such as the 20% interest rate cap on unsecured loans introduced in Finland in September 2019) by monetising the transactional data generated by these programmes.\"}),/*#__PURE__*/e(\"p\",{children:\"However, currently, and especially in Finland, banks are not making full use of this data. This puts them at risk of being squeezed ever tighter as fintechs and challenger banks continually encroach on their territory. We\u2019ve done a lot to improve the data at OP, being the first one of the gates offering multi-bank support, but I think there is still a lot we can do.\"}),/*#__PURE__*/e(\"p\",{children:\"Why aren\u2019t banks fully leveraging this data? Just like with mobile payments, the industry is seemingly waiting for emerging standards that are not eating their lunch. To be honest, we may not be able to envision a business model that can generate a true \u201Cwin-win\u201D scenario for all parties.\"}),/*#__PURE__*/e(\"p\",{children:\"This being said, there is one interesting implementation of card linking that could fit the bill (and help save the environment at the same time) \u2013 digital receipts.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Digital receipts \u2013 the benefits of getting even more granular\"})}),/*#__PURE__*/e(\"p\",{children:\"Although the transactional data banks can obtain through card-linked loyalty programmes are more granular than that from account linking, there is still room for improvement. The missing piece here is SKU-level data \u2013 not just where, when, and how much in aggregate \u2013 but a breakdown that lists each item the customer bought in a store.\"}),/*#__PURE__*/e(\"p\",{children:\"This \u201Cnext-level granularity\u201D can be helpful for both banks and consumers. From the consumers\u2019 perspective, this is something that they would likely readily accept and enjoy. For instance, a 2018 Oracle survey found that 69% of consumers want to have their entire financial lifecycle on digital channels, presuming they can get this alongside a seamless customer experience. Digital receipts would allow them to drill down into their own spending data \u2013 a powerful feature from a personal financial management standpoint.\"}),/*#__PURE__*/e(\"p\",{children:\"And from the banks\u2019 view, this could lead to increased usage of their mobile banking apps, a crucial advantage in today\u2019s competitive digital landscape. Research by McKinsey discovered that leading banks had an average of 54% of their customers active on mobile, while for slower adopters it was only 24%. This higher mobile usage enabled these top performers to generate 35% of their digital sales via mobile, compared to 25% for the slow adopters.\"}),/*#__PURE__*/e(\"p\",{children:\"On top of that, greater mobile engagement gave these \u201Cdigital leaders\u201D another edge \u2013 higher digital cross-sales. McKinsey also found that digital leaders managed to grow their digital cross-sell rates \u2013 defined as digital sales divided by digital users \u2013 by 320% more than the slow adopters. And the digital receipt business model paves way for significant cross-sell opportunities such as:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Point-of-sale financing via in-store credit\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Insurance products customised for a customer\u2019s specific purchases\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Business banking products personalised to individual merchants based on their customers\u2019 transaction histories\"})})]}),/*#__PURE__*/e(\"p\",{children:\"All these are crucial for helping banks combat the trend of \u201Cproduct unbundling\u201D \u2013 which fragments customer relationships and is particularly detrimental for incumbents.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Toward a cleaner and more contextual future\"})}),/*#__PURE__*/e(\"p\",{children:\"The future of banking is contextual. Banks must follow the customer, and not just the industry if they want to maintain and grow market share. That means that we pay attention to what our customers want.\"}),/*#__PURE__*/e(\"p\",{children:\"Digital receipts are an interesting way for banks to leverage their extensive payment card networks (the proverbial gold in their backyards) to gather the valuable ground-level data they previously lacked access to. In other words, digital receipts can serve as a \u201Ccontextual data repository\u201D to help drive highly personalised engagement.\"}),/*#__PURE__*/e(\"p\",{children:\"And of course, we all believe in fintech for good. That includes not just empowering people, but also helping tackle the existential issue of the environmental sustainability as well. In the EU, we are fortunate to have progressive regulations, which recently banned the use of harmful BPAs in paper receipts.\"}),/*#__PURE__*/e(\"p\",{children:\"This is a good start, but we can all do better. I see absolutely no reason why, in the near future, receipts should be anything but digital.\"})]});export const richText7=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Customers\u2019 preferences are quickly evolving. \u201CCustomer experience\u201D has become a buzzword, but it accurately describes the top priorities of today\u2019s customers. They demand more choices \u2013 and they want them provided instantly and with as little disruption to their daily lives as possible. Digitalisation has been a key driver of this, helping reduce user friction while giving them more options. This has been accelerated by the pandemic, which has sped up digitalisation by 6 years or more.\"}),/*#__PURE__*/e(\"p\",{children:\"The same trend also applies to payments. Invisible, instant, and free will soon be the standard \u2013 and no longer enough for customers. This means that beyond the \u201Cbasics\u201D of providing fast contactless payments, merchants must find ways to further leverage the simple act of payment to benefit both them and their customers.\"}),/*#__PURE__*/e(\"p\",{children:\"It all starts with a shift in perspective.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"More Than Just a Payment Processor\"})}),/*#__PURE__*/e(\"p\",{children:\"The old question merchants used to ask was, how can I make my payments as cheap, fast, and smooth as possible? Today, merchants must ask a new question \u2013 how can I use payments to improve my vision for an ideal customer experience?\"}),/*#__PURE__*/e(\"p\",{children:\"For instance, consider how Amazon cleverly integrates its payments with its entire ecosystem to transform the customer shopping journey. There\u2019s Amazon Pay, which allows Amazon customers to make payments on third-party sites. Amazon Prime Reload gives Amazon Prime customers cashback to their prepaid accounts. And Amazon Cash gives underbanked customers a prepaid account they can use to shop at various merchants, including 7-Eleven, Walgreens, and CVS.\"}),/*#__PURE__*/e(\"p\",{children:\"For merchants, the humble Point-of-Sale (POS) terminal is often seen as the mere enabler of the last step in the purchase process. But that point of view underestimates its full potential. The POS can be much more than just a payment processor \u2013 it can also be a strategic tool for enhancing customer experience and thus their own value proposition.\"}),/*#__PURE__*/e(\"p\",{children:\"The key realisation here is that the potential value of each sale extends far beyond the immediate transaction. One way that merchants can unlock this value is through value-added services.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Value-Added Services Solution\"})}),/*#__PURE__*/t(\"p\",{children:[\"Value-added services (VAS) are what merchants can offer their customers above and beyond a smooth payment experience. Modern POS terminals \u2013 such as the next-generation\",/*#__PURE__*/e(a,{href:\"https://worldline.com/yumi/home.html\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" YUMI payment terminal\"})}),\" supplied by Worldline \u2013 provide merchants with a variety of VAS such as:\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Fraud management\"})}),/*#__PURE__*/e(\"p\",{children:\"This can span real-time fraud detection and management on the frontend to reporting and resolution on the backend. Limiting fraud protects not just merchants, but customers as well. In the digital age, identity theft-related fraud is a major threat for consumers, with 6% of EU respondents reporting they had been a victim of identity theft. An estimated EUR1.8 billion was lost to fraudulent card transactions in the SEPA in 2018.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Digital receipts\"})}),/*#__PURE__*/t(\"p\",{children:[\"As we move toward a paperless world, it is making less and less sense for receipts to still be printed on paper. Consumers should be able to receive and store their receipts digitally \u2013 which is also superior from a record-keeping standpoint. To that end, \",/*#__PURE__*/e(a,{href:\"https://getreceipthero.com/articles/receipthero-worldline-support-the-move-from-paper-receipts-to-digital-checkout/\",nodeId:\"Ft0P97Pal\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"we have partnered with ReceiptHero to enable digital receipt capabilities on our POS terminals\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Merchants get the benefit of saved man-hours from printing and handing out physical receipts (and the customers checking them on the spot). While this might seem trivial at first, it adds up over time. A report by the Finnish state treasury, for instance, found that the potential savings of digital receipt adoption would be about EUR800 million for Finnish companies alone.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Flexible payment options\"})}),/*#__PURE__*/e(\"p\",{children:\"Customers want choice. They may not have the funds now \u2013 but would still like the product anyway. The rise of Buy Now Pay Later (BNPL) is a prime example. By 2025, European BNPL volumes are estimated to hit USD357 billion (EUR294 billion), almost half of global volumes. In short, consumers want payment flexibility with maximum transactional convenience. With the right setup, things like in-store credit can be seamlessly provided even in physical transactions.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Loyalty programs\"})}),/*#__PURE__*/e(\"p\",{children:\"Filling out forms at the counter to sign up for a loyalty programme will soon go the way of the dinosaurs. A good POS system can catalogue and automate most if not all the programmes functions, from onboarding to reporting. Merchants get valuable data and a higher per-customer spend, while customers get to enjoy their loyalty rewards in a seamless manner.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Detailed business and marketing analytics\"})}),/*#__PURE__*/e(\"p\",{children:\"If data is the new oil, then merchants would be remiss if they did not harness the power of their transaction data. A data analytics platform built on top of the POS terminal will be able to analyse transaction data at the source \u2013 no data migration required. Merchants not only save time but can also give their customers more of what they want.\"}),/*#__PURE__*/e(\"p\",{children:\"How Value-Added Services Augment the Purchase Cycle\"}),/*#__PURE__*/e(\"p\",{children:\"Another way of looking at these VAS is through the lens of the purchase cycle. This can be divided into three broad phases \u2013 pre, during, and post.\"}),/*#__PURE__*/e(\"p\",{children:\"In the pre-purchase phase, VAS such as analytics and loyalty programmes can allow merchants to better match specific offerings to potential customers. For instance, the customer who signed up for a loyalty programme can receive a notification informing them that their favourite item is on sale. The more granular data a merchant can obtain \u2013 such as transaction-level data from digital receipts \u2013 the better they will be able to \u201Cprime\u201D their customers before the sale.\"}),/*#__PURE__*/e(\"p\",{children:\"During the purchase itself, VAS like in-store credit can provide customers with the option to purchase items they might not have otherwise. Real-time fraud management helps protect the merchant, and valuable transaction data is collected and stored.\"}),/*#__PURE__*/e(\"p\",{children:\"After the purchase, detailed business and marketing analytics can help \u201Cclose the loop\u201D and provide better pre-purchase offerings. Digital receipts can save both merchants and customers the need for wasteful physical archiving and make any returns, refunds, or exchanges far more efficient.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Missing Ingredient \u2013 Granular Purchase Data\"})}),/*#__PURE__*/e(\"p\",{children:\"Thus far, many VAS have been missing one thing \u2013 easy access to granular purchase data. Or in other words, data that can match specific product-level transactions to specific customers. Getting this level of detail with mass market payment methods such as cards and wallets was a challenge.\"}),/*#__PURE__*/e(\"p\",{children:\"That is why we are so excited about our partnership with ReceiptHero. Beyond the environmental benefits and time-saving benefits, some merchants can also better analyse existing customer data their customer by matching payment card data with receipt data from their electronic cash registers. In the future, merchant tools that can directly support data analysis may also be added.\"}),/*#__PURE__*/e(\"p\",{children:\"Loyalty programmes \u2013 already a proven method of increasing customer spend \u2013 can be even more targeted. Merchants will be able to better identify and leverage upon cross-selling opportunities. And the onboarding process to these programmes themselves can be made seamless thanks to card linking.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Payment Data and Value-Added Services \u2013 The Power of Synergy\"})}),/*#__PURE__*/e(\"p\",{children:\"Digitalisation will continue to drive customers\u2019 purchase expectations. No longer can purchasing and payment be classified as a single distinct activity at a specific point in time. Rather it must be seen as an ongoing process that extends far beyond the payment itself. Think of the purchase cycle as a business conversation between the merchants and their customers.\"}),/*#__PURE__*/e(\"p\",{children:\"The combination of payment data and VAS can serve as a way to give this conversation new depth \u2013 a vital advantage in a world where every business relationship is becoming increasingly contextual. Merchants can capitalise on this trend, starting with something as simple as the humble POS terminal.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Are you a Worldline customer looking to deploy your own digital receipt and loyalty service across your stores? Or want to know how Worldline is working together with ReceiptHero by powering a European vision for digital receipts. 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