Industry
Company Profile
- $1bn annual revenue
- Leading financial services provider in Oman
- Largest network of c.150 branches, 650 ATMs & CDMs and more than 10,000 PoS terminals
Situation and Objectives
- Identify ways to change customer transaction behavior in regards to remote payments
- Examine ways to incentivize merchants to offer PoS as a means of payment
Approach
- Beginning with data analysis and benchmarking, we moved to primary research and interviews to build up a basis of potential initiatives

Results
- The analysis resulted in a time-phased list of 8 priority initiatives, prioritized by the size of potential opportunity
- International and regional benchmarking of PoS incentivisation systems
- Long-list of potential measures to identify PoS usage by business area and target group
- Refined view of customer attitudes and key inhibitors to uptake
Impact
- Short-term: focus on changing customer transaction behavior
- Long-term: examine ways to leverage PoS usage as a means of increasing cross-sales through innovative new propositions