IT IS ALL ABOUT PAYMENTS


PAYMENT ACCEPTANCE IS VITAL PART OF CUSTOMER EXPERIENCE

The way we pay is changing dramatically. For example, people are beginning to use their smartphones for every kind of formal and informal transaction — to shop at stores, buy songs online, and even split their rent. Payments are in disruption. The whole payment markets become more and more complex and it requires plenty of thinking to fully understand the payment landscape.



MISSION & EXPERTISE

PIN,JO's mission is to guide and help You through this changing environment starting from Your business requirements and ending to a solution how your business requirements can be filled in the changing payment landscape. 

PIN,JO is an independent advisor organization specialized in Nordic Retail Payments and Merchant Service markets. Our  key competence areas are:

  • Instore payments 
  • Online Payments and eCommerce
  • Mobile Payments and mCommerce
  • OmniChannel which links all together
The founder of PIN,JO Päivö Eerola has  20 year experience as an entrepreneur and leader in leading payment companies in the Nordic region. We provide knowledge and accurate data to our clients and help them to make right decisions and actions. Our strength is based on long term market knowledge and up to date market information. Through PIN,JO you can reach a wide network of specialists within different areas of payments (Regulation, Compliance, Solution Design & Architecture etc.). .  


PAYMENT OPTIMIZATION FOR MERCHANTS 

PIN,JO's Payment optimization package help our clients: 

1. Increase Sales with right payment method portfolio and payment services.

2. Optimize costs of payments by helping them to choose right service providers and by supporting their procurement & agreement negotiations.

3. Increase efficiency by leaning internal processes related to payments.

On average PIN,JO's payment optimization service has created 6-10 % yearly savings for our clients in their payment costs.




ADVISOR SERVICES 

We provide management consulting services in the area of payments.

Knowledge and accurate market data about Nordic Retail Payments (C2B) is our expertise area. This covers all channels and all payment methods. We deliver insight-led assignments to help our clients with their business decisions. This include everything from board level company strategies, due diligence processes to go to market models and competitor analysis. 

Typical assignments for us are: 

  • Insight to Payments workshops
  • Market Studies
  • Go to Market support
    • Distribution and pricing models
    • Sales planning and Sales Funnel development
    • Interim Sales and Product Management Services
  • Business Plans
  • Business Case calculations
  • Strategy work