epay August 2016

AUGUST 2016

FATHERLY ADVICE Prepare now for Father’s Day, Events and Christmas sales

ALSO INSIDE: Win with epay!

Win a $1000 prepaid VISA card Go Pro Become a digital retail hero

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Recharge with Telstra Pre-Paid Freedom Plus.®

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Offer ends 22 August 2016.

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THINGS YOU NEED TO KNOW. Telstra Pre-Paid Freedom Plus®: Unused data will then roll over and expire at the end of the next 28 day period. The spectrum device and ™ are trade marks and ® are registered trade marks of Telstra Corporation Ltd, ABN 33 051 775 556. RPC_A3PLDS_30FREE_AUG16

AUGUST 2016

www.epayaust.com.au

HEAD OFFICE Level 1 75 Castlereagh St Sydney NSW 2000 POSTAL ADDRESS PO BOX 1383 Queen Victoria Building 1230 CUSTOMER SERVICE For general enquiries and technical support P. 1300 301 408 ADVERTISING P. 02 8297 2888 E. marketing@epayaust.com.au Written, Produced and Printed by The Intermedia Group MANAGING DIRECTOR Simon Grover PUBLISHER James Wells EDITOR Gifford Lee ART DIRECTOR Ryan Vizcarra HEAD OF CIRCULATION Chris Blacklock PRODUCTION MANAGER Jacqui Cooper

Welcome W

ell it certainly has been an action packed few months since the last epay World magazine. I am very happy to see Australia has managed to obtain some certainty after a very long Federal Election campaign and what felt like an even longer decision on who actually won. Now in the midst of winter, we can start the countdown to key retail dates like Father’s Day, Christmas and The Spring Racing Carnival. Giddy-up!

With these peak retail periods just around the corner, our gift card range, including store cards, gaming, music, prepaid VISA and more, make the ideal presents. More importantly you are positioning your retail location as a gifting destination in time for the biggest gifting event of the year – Christmas. From a retailing perspective, our gift cards can be displayed prominently and efficiently via one of our stand options which enhance your ability to receive impulse or last minute purchases at your point of sale. And you only pay for what you sell, so there is no wastage or over stocking which is a great benefit to retailers.

To ensure you make the most of our products, we have a special offer on our POS display options for a limited time. Until the end of October, you can now get 50 percent off our clip strip displays and our 16 and 32 hook stands. See our cover feature on page 8 to find out how these stands can boost your sales for Father’s Day and Christmas and then fill out and return the stand order form on page 11. Why not order a few of each and dedicate individual stands to certain products so consumers have a clear choice of which epay products you have in store?

We’re also giving selected retailers the chance to win a $1000 prepaid VISA card in this issue. Head to page 5 and see how you can be in to win and celebrate Christmas early this year.

Until the end of October, you can now get 50 percent off our clip strip displays and our 16 and 32 hook stands.

We are very excited to launch another exclusive product to the epay range called Eachway just in time for the Spring Racing Carnival. Be sure to check out all the information on page 14.

And head to page 12 as we chat with Stan's Marketing Director Melanie Novacan about what’s making the entertainment streaming service a hot product right now.

Melanie also tells us about the top shows to look forward to with Stan in the coming months.

See all this and more great articles pertinent to your business inside epay World Magazine this issue.

Kind regards, Matt Blayney Country Manager

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CONTENTS

8

FEATURES

16 30 4

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GIFTS FOR DADS Check out these great Father's Day present ideas

8

COVER FEATURE Prepare early for Father's Day and Christmas to beat the rush

12

SUPPLIER PROFILE Melanie Novacan Stan's Marketing Director

19

STORE LAYOUT We speak with leading store designers about best practice

REGULARS 16

epay NEWS We attend the Leading Edge Computers 2016 Tradeshow Conference in Melbourne

28

TERMINAL NEWS Key information for epay retailers

30

GAME REVIEWS The new Xbox and PlayStation titles on the market

34

BLOG IT Great ways for you to get online assistance for your business

with Visit epaywin.com.au

YOU’VE GOT TO BE IN IT, TO WIN IT!

WIN A $1000 PREPAID VISA CARD TO SPEND ON WHATEVER YOU WISH

We’re giving away prizes regularly, so be sure to visit our promotions page at epaywin.com.au

Why should retailers stock Lycamobile?

Grow your business with the world’s largest international MVNO Range of international, national and data bundles available to suit all customer needs.

LOW COST INTERNATIONAL CALLS FROM

China

India

Hong Kong

Malaysia

Landline & Mobile Flagfall 29¢

Singapore

One number to call for all support, ordering and POS solutions.

SIMs now available for all smart phones

Build brand awareness via standout POS material, including: window decals, counter mats, brochures, product displays, display signage.

UNLIMITED

calls from Lycamobile to Lycamobile in Australia

www.lycamobile.com.au

The special rates are applicable for those customers who opt-in by texting ACT SAVE to 2525; you will eligible for the Special discounted international rate with flagfall 29¢. Customers who do not opt-in will be charged at the standard rate. Promotional tariff valid for 30days from the Opt-in. These rates and inclusions are current as of 15/01/2016 we may remove this plan by giving 7 days’ notice on our website at lycamobile.com.au. Any plans already activated at time of withdrawal shall continue until expiry of 30 days from activation. Calls to any Lycamobile numbers in Australia are unlimited. Customer must recharge by a minimum (of $10) during each calendar month & should have a minimum account balance of $0.01 to be eligible for making calls. If customer not recharge within the same calendar month, still can enjoy the free call for the first 15 minutes with a Flagfall of 29¢ per call (standard rate of 15ct/ min will apply afterwards). Promotion valid only within Australia mainland and is not applicable while roaming abroad. Other usage will be charged at the standard rate. See www.lycamobile.com. au for current rates and changes.

TECHNOLOGY SPOTLIGHT

GIFTS FOR DADS Check out these great Father's Day gift ideas consumers can purchase with the epay products available in your store.

Samsung R5 Speaker Delivering high-quality and balanced sound through a circular design, the speaker features a tap-and-swipe user interface and integration with the latest Samsung multi-room mobile app.

Ring Radiator technology allows sound to be transmitted in all directions. samsung.com

iTunes GIFT CARDS Purchase songs or movies with the iTunes range of gift cards to enjoy on these amazing audio products.

Available in amounts of: $20/$30/$50/$100

Aquajam AJ Mini The world's smallest waterproof speaker is ideal for Dads who love music on the go – no matter where they are. It allows you to hook it to key chains or belt loops, it connects to Bluetooth and it even floats via its inflatable ring. aquajam.com

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Sennheiser Momentum 2.0 These new generation headphones carve out every aural nuance in even finer detail thanks to large diaphragms that make the trademark Momentum sound an even more brilliant experience. Clear, richly detailed and with a powerful bass. sennheiser.com

TECHNOLOGY SPOTLIGHT Lenovo Yoga 700 Tablet Ultra-portable, the 11-inch Yoga 700 weighs only 1.1 kg. With up to seven hours of battery life, watch a movie in stand mode, give a business pitch in tent mode, or navigate a map in tablet mode. lenovo.com MICROSOFT OFFICE Make the Lenovo Yoga 700 Tablet even better with the Office 365 Home software download available through epay electronics retailers.

Garmin vivosmart HR This touchscreen activity tracker uses wrist heart rate technology to provide a full suite of smart notifications. It can receive text, calls, email, calendar and social media alerts when paired to a compatible smartphone. buy.garmin.com

AVAILABLE AT JB Hi-Fi Get the Garmin vivosmart HR with the JB Hi-Fi Gift Card or thousands of other gifts in store or online.

Available in amounts of: $50/$100

Changhong Freeview Plus TV Cast videos, music and photos to the TV screen with your mobile as the remote control. This 49inch TV uses an ultra-clear video processor engine and energy saving technology for improved power efficiency. changhong.com XBOX LIVE MEMBERSHIP Spend hours playing the latest Xbox One games on the Changhong Freeview Plus TV. Grab a Xbox Live Gold Membership card to get started.

Membership cards available: $29.95 for three months $79.95 for 12 months

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COVER FEATURE

FATHERLY

ADVICE

Get prepared for the key retail dates coming up on the calendar, like Father’s Day, The Spring Carnival and Christmas, to avoid the rush and to maximise returns.

2016 WHAT’S ON AUGUST 5th Rio 2016 Summer Olympics opens 21st Rio 2016 Summer Olympics closes SEPTEMBER 1st Spring starts 1st Spring Racing Carnival begins 4th Father’s Day 16th School Term 3 ends NOVEMBER 1st Melbourne Cup DECEMBER 1st Summer starts 20th School Term 4 ends 24th Christmas Eve 25th Christmas Day 26th Boxing Day 31st New Year’s Eve

M

ore and more retailers are realising that the earlier they plan for Father's Day the more profitable and hassle-free these dates can be.

Getting ahead of the game aligns yourself to the shopping habits of consumers, who are buying gifts at various times of the year to capitalise on sales and to avoid the queues. And more importantly, by establishing a plan in advance, shop owners increase their readiness for the expected rush, which leads to a more enjoyable experience for all.

Here are some things to consider when preparing for Father's Day and Christmas in your store: Point of sale Take advantage of the clever advances in POS tools in recent years to encourage purchases at your register. Brands are now creating elaborate displays to instigate sales so encourage them to try it out in your store. Great POS items will promote sales to more customers, which is always a positive.

Experience shopping Make shopping an “experience” again and bring customers back to your store for more than just the transaction. Look at the overall ambience in your store and how you can enhance things like decorations and lighting to offer a unique shopping experience. epay has a range of stands to suit a range of retail environments. These displays draw attention to your products and add some pizzazz to attract passing consumers.

Customer service Earlier we mentioned experience shopping but one of the best things you can offer is the ultimate in customer service. It’s one of the biggest points of difference between you and the online experience and the human touch just can’t be beaten.

Point of difference Finding something that really sets your store apart from others is going to be crucial to bring in the shoppers. Think not only about your customer service and point of sale but also about your product. epay’s range of gift cards, including store cards, music, gaming and prepaid VISA, are perfect gift ideas as they make the buying experience easy and can be conveniently placed at your POS to attract impulse purchases. e p a y AU GUST 2 016

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COVER FEATURE

OUR RANGE

GIFT CARDS

GAMING

epay’s gift card range make the ideal present.

Shoppers can choose to purchase our gift cards in varying price ranges to suit their needs, so make sure these are well stocked at your POS.

epay’s range of gaming gift cards from Xbox, PlayStation and MOL Points are the perfect solution for all of the younger generation's holiday entertainment needs.

MUSIC Do you have a shopper looking for the perfect gift for Dad? Why not encourage them to purchase one of epay’s music gift cards from iTunes and Spotify, which come in various price ranges to purchase songs.

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PREPAID CREDIT CARDS Shoppers will love VISA’s prepaid cards as they take all the hassle out of decision making and gives the recipient all the power to choose just what it is they want to spend the money on.

HALF PRICE STANDS Let your customers know you stock epay’s range of gift cards with our range of stands and POS material. Our stands are a physical destination within a retailer where prepaid offerings are grouped together in a convenient, easy access area. Having one or more of our stands at your POS or at key locations will raise awareness with shoppers that you stock our range that make perfect gifts. *As a special offer to our epay World readers, we are offering these stands for half price. This offer is valid until 31st October 2016.

To order a stand at half price, please fill in the order form below and send to epay customer service.

CLIP STRIP Normally $35 + GST

16 HOOK STAND Normally $75 + GST

32 HOOK STAND Normally $279 + GST

NOW $17.50 + GST

NOW $35.50 + GST

NOW $139.50 + GST

STAND ORDER FORM epay stands are a great way to let your customers know you are selling prepaid products.

To order, fill in the form below and email back to marketing@epayaust.com.au.

Store Name RID/TID Store Address Contact person Contact Number/Email Please place a tick in the corresponding circle to identify which item you would like.

Clip Strip 16 Hook Stand 32 Hook Stand

Better Call Saul

Sherlock – The Abominable Bride

Cameron Crowe’s Roadies

Wall Street thriller Billions Breaking Bad

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SUPPLIER PROFILE

STAN & DELIVER We chat with Stan’s Marketing Director Melanie Novacan

What should retailers be aware of when speaking to their customers about the benefits of Stan?

Make sure customers are aware of the great value a Stan subscription offers. For just $10 a month Stan subscribers will have unlimited access to thousands of hours of TV and movies that they can watch whenever they want on their favourite device. Gift cards are available in $30 or $50 values. Both new and existing subscribers can redeem Stan gift cards.

What are the hot shows and movies on Stan right now?

The hottest shows on Stan right now are all fast-tracked so viewers don’t have to wait. Everyone is talking about the new season of UnREAL, the Emmy nominated drama series that takes you behind the scenes of reality TV. Stan’s subscribers are also loving high quality drama series like Cameron Crowe’s Roadies, Power starring 50 Cent, Stan Original Series Wolf Creek and Wall Street thriller Billions with Damien Lewis and Paul Giamatti. Our current box office hits include Sicario with Emily Blunt, Southpaw with Jake Gyllenhaal, San Andreas with Dwayne ‘The Rock’ Johnson and the Oscar winning Mad Max. What do Stan customers have to look forward to this summer?

Stan subscribers will have so many new shows to choose from this summer they won’t know what to watch first! We have new seasons of Stan’s biggest shows including No Activity, Transparent, Mozart in the Jungle, Ash vs Evil Dead and Better Call Saul. Holidays are also the perfect time to binge-watch your favourite shows on Stan like Friends, The OC, Breaking Bad, The Hills, Workaholics and Sherlock.

Why has the entertainment streaming service Stan become so popular?

Australians have really embraced streaming services as part of their everyday TV viewing habits. Stan has experienced rapid subscriber growth since launching in January last year and is Australia’s leading local subscription video-on-demand provider.

Stan’s subscribers can watch the biggest TV shows fast-tracked from around the world, as well as the latest blockbuster movies, whenever they want on their TV, tablet, mobile or PC. What are the keys to being a successful retailer of Stan?

The key is really to get staff talking about Stan, how easy it is to sign up, how to use a gift card and start watching the best TV and movies. The Stan team are always happy to come in and talk to retailers about what Stan has to offer and discuss visual merchandising strategies.

How can customers watch shows and movies with Stan?

You can enjoy Stan on a wide variety of devices ranging from Smart TVs, Blu-ray Players, Xbox One, PlayStation, media players such as Apple TV, tablets and mobile phones. Once you’ve subscribed to Stan you can register as many devices as you like, and you can stream on up to three devices at once, so everyone in the family can watch what they want. You can even set up profiles for individual users and restrict viewing for children so they can only access the Stan Kids section with age appropriate programming.

Why will Stan be the ideal gift this Christmas?

Stan has something for everyone in the family to watch this holidays. Also, what better way to give your new gaming console or smart TV its first run than with a binge-watch marathon of your favourite show on Stan! e p a y AU GUST 2 016

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RETAILER

BENEFITS

TOP UP HERE

EARN COMMISSION

p a n S , k c i t S Win! & $2,500!

STORE LOCATOR DRIVES FOOT TRAFFIC INTO YOUR STORE SELLING EACHWAY® IS SIMPLE AND FAST

EACHWAY

PROCESS

HOW TO ENTER Strategically stick your ‘Top up here’ EachWay® window decal on your store front window. Email the photo to us at epaymarketing@epayaust.com.au and the best strategically placed sticker will win a $2,500 Visa gift card

STEP 2

Retailer collects payment using cash or card.

Entries open at 9.00am on Friday, 15 July 2016 and close at 11.59pm on Thursday, 15 September 2016 For Terms & Conditions: http://goo.gl/svLU4A Participating stores only.

e!

al in this issu

dow dec Find your win

STEP 1

Customer presents card or mobile app.

STEP 3

Swipe the barcode or scan the card or app barcode, using your epay terminal.

Repeat for multiple loads.

50

STEP 4

Account is immediately credited for instant access.

STEP 5

Customer is provided with activation confirmation receipt.

O G L IL W S R E M O C U ST OR F E R O T S R U O Y INTO

INSTANT

ACCOUNT TOP UPS!

EachWay® is the fastest and easiest way to top up an account, such as a sports betting account, on the go. Top ups are instant, there is no secondary activation process.

Customers are directed into participating epay retailers via the EachWay® store locator. For the end customer, EachWay® is free however every load will drive commissions back to retailers. Over time EachWay® will be used to support other types of cash collection including deposits and paying off loans.

N o S to ck Re q u ir ed!

TOP UPS VIA MOBILE APP ING COM !

N SOO

Scanners are currently being rolled out to a select 1600 stores to enable customers to top up via mobile app, making it even more convenient!

Fo r m o re i nfo or to g et Ea chWa y ® a ctiv a t e d i n y o ur s to r e c o ntac t ep ay o n

1300 3 0 1 40 8

The best dressed female nominees at the Fancy Dress Dinner

2016 TRADESHOW

CONF ER ENCE

e

pay Australia was a Silver Sponsor at the Leading Edge Computers (LEC) 2016 Tradeshow Conference held at the Pullman & Mercure Melbourne in April. This annual four-day conference offered a rewarding opportunity for us to showcase our products alongside other businesses while getting the chance to meet and spend time with LEC members. There was a great mix of scheduled events and sessions, as well as plenty of interaction in a social and fun environment. The conference had a welcome dinner with a keynote address and presentation from the 2015 store of the year, a medieval banquet night and a Gala Awards Dinner.

There was also two days of trade shows which was attended by representatives from 90 Leading Edge Computer stores.

The best dressed male nominees at the Fancy Dress Dinner

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SPECIAL EVENT

Winners of Store of the Year Julie and Guy Porter from CompuPort Ulladulla with Leading Edge Computers Group General Manager Lee Scott

The joint winners of the Local Hero Award Nick Cavallo and Rhett Stockdale

Adobe’s Rey Chapman (left) with epay’s James Cowlishaw

Why should retailers stock Lycamobile?

Grow your business with the world’s largest international MVNO Range of international, national and data bundles available to suit all customer needs.

LOW COST INTERNATIONAL CALLS FROM

China

India

Hong Kong

Malaysia

Landline & Mobile Flagfall 29¢

Singapore

One number to call for all support, ordering and POS solutions.

SIMs now available for all smart phones

Build brand awareness via standout POS material, including: window decals, counter mats, brochures, product displays, display signage.

UNLIMITED

calls from Lycamobile to Lycamobile in Australia

www.lycamobile.com.au

The special rates are applicable for those customers who opt-in by texting ACT SAVE to 2525; you will eligible for the Special discounted international rate with flagfall 29¢. Customers who do not opt-in will be charged at the standard rate. Promotional tariff valid for 30days from the Opt-in. These rates and inclusions are current as of 15/01/2016 we may remove this plan by giving 7 days’ notice on our website at lycamobile.com.au. Any plans already activated at time of withdrawal shall continue until expiry of 30 days from activation. Calls to any Lycamobile numbers in Australia are unlimited. Customer must recharge by a minimum (of $10) during each calendar month & should have a minimum account balance of $0.01 to be eligible for making calls. If customer not recharge within the same calendar month, still can enjoy the free call for the first 15 minutes with a Flagfall of 29¢ per call (standard rate of 15ct/ min will apply afterwards). Promotion valid only within Australia mainland and is not applicable while roaming abroad. Other usage will be charged at the standard rate. See www.lycamobile.com. au for current rates and changes.

BOOST YOUR BUSINESS WITH ! PREPAID TOP REASONS TO GET ON BOARD WITH OPTUS

1

Great Prepaid plans for flexibility and freedom There is no better time to be an Optus Prepaid retailer! Optus has a range of different plan options, with features like long expiry through to awesome data inclusions, to suit the needs of your customers.

For plan info go to optus.com.au/prepaidplans

2

Product range $2 SIMs are an essential item for your Optus range in store. Build on this with $10, $30 & $40 SIM Starter Kits.

We also have a great range of handsets including the 4G ALCATEL Pixi 4.5” RRP $69 and the affordable ZTE F286 RRP $29.

3

Network you can rely on We cover 98.5% of the population with 3G, and our superfast 4G Plus network is available in all capital cities and hundreds of metro, regional and holiday towns.

With a compatible 4G device and plan, your customers can enjoy superfast downloads and web browsing on the 4G Plus network.

4

We’ve got your back Burning questions about sales? Need to order stock? Want a point of sale solution that suits your store?

Have a chat with our contact centre on 1300 30 79 79. They can take your call 8am to 6pm AEST Monday to Friday.

5

Build customer awareness with POS Telco is proven to drive more foot traffic, but only achieve if people know it’s there. In other words, merchandising is critical. We’ve got solutions to suit your business and build awareness.

Give us a buzz on 1300 30 79 79 or visit prepaidservices.com.au to find out more.

Counter SIM Stands

Flags

Hangsells & SIM Stands

Fair Go Policy applies.

THE NITTY GRITTY. 4G Coverage: The Optus 4G Plus network is available in all capital cities and hundreds of metro, regional and holiday towns with a compatible device and plan. Coverage varies by device. Check coverage at optus.com.au/coverage and our Prepaid plans at optus.com.au/prepaidplans Compatibility: If you bring your own device, make sure it’s not locked to other networks and is compatible with the Optus network. See optus.com.au/compatibility SIM Starter Kits: Credit expiry and included value will depend on your plan. General: Availability of products and devices may vary based on location, retailer and stock. Mobile phones may be network locked. For unlocking fees see optus.com.au/unlock

STORE LAYOUT

A GOOD STORE STARTS WITH A GOOD LAYOUT Just what’s involved in developing a layout for a convenience store?

We speak to several leading store designers to learn some of the guiding principles.

Urbanista store, Smeaton Grange in NSW.

C

onvenience and petrol retailers vary from small shopfront stores to large truck stop sites with restaurants.

Every store design presents its own unique set of challenges. What works well in one location may not work in another.

Understanding the business strategy and market profile helps the designer to tailor to store layout and fitout to suit the situation.

There are, of course, some well proven do’s and don’ts which can be applied to most situations with success. However, the cookie-cutter, one size fits all solution will often not deliver the best results for a given location.

The designer’s preliminary view of Urbanista Smeaton Grange from the cafe looking down the store, showing the large visual open space in front of the cafe, as customers enter the store from the right.

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STORE LAYOUT

The designer’s preliminary view of the cafe area.

Wayne Lamb, general manager of Cadway Projects, says: “Standardisation of the layout and retail offered across a large network of stores is often favoured because of the benefits it delivers - like consistency of offer, staff training, ordering, promotions, advertising and so on.”

“But it does not allow for flexibility to respond to local market demands, which can vary enormously from one location to another.”

Ian Abel, managing director of MIB Facilities, advises new builds are the simplest to implement because there is no demolition to do and therefore no surprises in store with inadequate plumbing, electrical or structural items or defective finishes.

“Branded refurbishments generally offer the fewest design challenges, because the format is standardised across the chain and management almost always has extensive data on customer traffic movements within the store.

“Refurbishments in older buildings, be they in a corporate style or a one-off design, can present unforseen problems which can strain any budget. Perfectly good floors may have to be torn up because tiles don’t match. Wiring, plumbing and ventilation may have to be brought up to current standards. The design may have to be changed midstream due to structural issues.”

Design basics Before commencing a store design, Mr Lamb says there are a number of questions that need to be asked.

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“One of the key things to remember is the need for ongoing change.”

• Who is your target market?

• What times of the day, the week and the year do you expect to be your busiest times?

• What product categories do you want to sell? Which will be the strongest?

• Is there one particular ‘hero category’ for a cafe, deli or elaborate foodservice area?

• Will the facility be aligned with a national brand or franchise?

• Will any preparation of food take place instore or is everything pre-packaged?

• Are there seasonal influences to consider?

The designer’s preliminary view looking from the seating area at the far end of the store back towards the cafe area.

• Is there another offering in the market that you like or want to emulate?

• What is your fitout budget?

• Supply chain and delivery logistics are vital when designing back of house storage and goods receiving areas. How will these be managed?

• No matter the size of the store, the placement of impulse purchases is always a key selling strategy. High demand items can be used to draw customers further into the sales area exposing them to more selling opportunities.

• Drinks fridges can also be used to entice customers into the rear of the store.

Coffee, or a full cafe offer, is also now a key component in newer rebuilds and onsite seating is gaining popularity.

• Placing hot food in winter or cold drinks or ice in summer in prominent locations, such as adjacent to where customers queue is an excellent way to respond to seasonal demands.

STORE LAYOUT • Critical qualities such as cleanliness, good lighting, freshness of products, visual presentation and friendly service staff will always be important regardless of store size or layout.

Create a journey “Designing the customer’s ‘journey’ through a store helps to drive sales. It identifies the key locations for promotions, for impulse categories and for popular items,” said Mr Lamb. “The longer a customer stays in the store, the greater the likelihood of increased sales.

“Changes in floor and ceiling finishes and colours, ceiling heights and lighting moods can play a big part in helping customers to identify the different spaces within a store. These spaces can then house specific categories to match the mood created. A hot food offer area within the store can be styled as a mini café or coffee shop with colours, finishes, lighting and signage providing visual cues to the customer of what is on offer even before they see the products. Building anticipation is a good selling tool.

“If the store is convenient for customers to easily find what they need, they will come back. A convenience store sells convenience first and products second.”

“Empty space provides customers with room to move around and to see what is on offer. For this reason an overly cluttered sales area is counterproductive.”

More product lines do not necessarily translate into more sales. Ease of access to a selected number of products, targeted to the location and demographic in the store’s catchment area, is the more popular approach with new stores.

Utilise space We are visual beings and stimulated by what we see. Our emotions and our purchasing decisions are influenced by our visual arena so creating the right feel in a store is important. Dark and cluttered always loses out to bright, fresh, clean and open. Layouts tend to adopt one of four popular plans: The rectangular floor plan: With all the fixtures set at right angles, a rectangular floor plan makes the most efficient and economical use of floor and wall space, including corners. Floor plans based on rectangles are extremely versatile and offer flexible aisle layouts as well as gondola ends and wall displays. Apple stores use a rectangular plan.

“A convenience store sells convenience first and products second.”

The angular plan: The angular plan uses curves which add interest and a more sophisticated feel. Angular floor plans have less space for products but can provide wonderful focal points. Jewellery stores often use angular plans.

The mixed plan: This is the most versatile plan which can be easily customised into special areas or unique displays. Many convenience stores are now adopting this model.

The diagonal plan: Diagonal floor plans are commonly used in convenience stores and can allow good visibility down the aisles from the front of the store or the console.

Navigation considerations All aisles should be wide enough for disabled and pram access and the comfortable movement of customers through the store. Cutting aisle space to get more shelf space is false economy.

Consider 1.2 metres a minimum. Aisles need to move customers to the parts of the store where you want them to go and to expose them to as much product as possible, allowing customers to locate products easily without causing any congestion.

According to Mr Abel, one of the key things to remember with store layouts is the need for ongoing change.

“Modern security cameras are now capable of mapping traffic flows through the store, which may dictate a subsequent

change in layout. Diligent staff and accurate record keeping of customer movements can achieve the same thing.

Seasonal products, day-part offers and special promotions all demand flexibility and continuing investment in store layout.”

For most people, a set of architectural drawings does little to convey what a store design is actually going to look like. Urbanista’s Eddy Nader underlined the importance of being able to visualise any proposed design.

“One of the key aspects of any new store design is to understand the design in every detail,” Mr Nader says.

“The best way to do that is with accurate renderings (artist’s impressions) of how the design will look in the flesh. Modern design software can produce real-life images and can even allow a virtual walk-through of the store before the design in finalised.”

For independent store owners, the freedom from the restraints imposed by a corporate design provide some real opportunities to develop store layouts that better address their local markets.

Article author Keith Berg would like to thank Wayne Lamb (Cadway Projects), Ian Abel and Colin Taylor (MIB Facilities), Adam Burns (Design Portfolio) and Eddy Nader (Nader Petroleum-Urbanista) for supplying information for this article. e p a y AU GUST 2 016

21

me Customers will co top up into your store to their account for

g n i r p S TOR LOCAraffic E R STO s foot t re drive your sto into

TOP UP UP TOP HERE HERE

StickW,Sinn!ap & $2,500!

EACHWAY® RETAILER PROCESS

SEE OUR FULL ADVERT ON PAGES 14 - 15 OF THIS ISSUE FOR DETAILS

RACI NG CA R NI VA L

50

STEP 1

STEP 2

Customer presents card or mobile app.

Retailer collects payment using cash or card.

STEP 3

STEP 5

STEP 4

Swipe the barcode or Sports betting account scan the card or app is immediately barcode, using your epay credited for terminal. Repeat for instant access. multiple loads.

Customer is provided with activation confirmation receipt.

COMING SOON!

TOP UPS VIA MOBILE APP Scanners are currently being rolled out to a select 1600 stores to enable customers to top up via mobile app, making it even more convenient!

For more info or to get EachWay® activated in your store contact epay on

No Sto ck Re q u ir ed!

1300 30 1 40 8

NO FEES. NO LOCK-IN CONTRACT. REAL-TIME COMMS. ALL YOUR PREPAID NEEDS. webPOS is our online application that can be accessed from your computer, laptop or tablet and can be used to sell the epay product range.

What do I need to start using webPOS? Getting started is easy. You will need a computer (PC or laptop), internet/ broadband and a printer. We will set your account up and provide training over the phone. If you would like to sell our range of swipe cards, you will also need a swipe card reader.

OUR PRODUCT RANGE

What are the benefits of webPOS? It’s easy to use! You can see all the brands on the screen, which makes it a much faster process. New product rollouts are much faster on webPOS and product information will be available in conjunction. You can run real time reports and various other reports are available for your convenience.

and more... e p a y AU GUST 2 016

23

NEVER STOP PLAYING BOOST.COM.AU

TO STANDARD NATIONAL NUMBERS. ALL WITHIN AUSTRALIA.¥

Boost offers 3G and 4G services, with typical download speeds of 2-50Mbps for 4G devices in 4G areas (not full 4GX data speeds) and 3G speeds in other coverage areas. Speeds vary for reasons like local conditions, device and content. For 4G coverage and more info see boost.com.au. *Recharge inclusions expire on next recharge or recharge expiry date, whichever is earlier. ¥$25 ULTRA+™, $40 UNLTD+™ & $50 UNLTD+™: Excludes some use such as: talk/text/MMS to international numbers (if country not included in UNLTD® Talk & Text to 10 countries), satellite and premium numbers (eg. 19xx numbers), operator assisted calls (most 12xx numbers), diverted calls, content charges and all use overseas. Data is charged per KB. ^$25 ULTRA+™: Calls charged per min. †UNLTD® Talk & Text to 10 countries: to standard International numbers in the selected countries from Australia. Excludes premium services and video calls. Countries include Canada, China, Hong Kong, India, Malaysia, New Zealand, Singapore, South Korea, United Kingdom and USA. §Weekend Data: Active ULTRA+™ or UNLTD+™ recharge required. For use each 9:00pm Friday – 11:59pm Sunday (AEST). ULTRA+™ and UNLTD+™ data will be used if you consume all your Weekend Data before 11:59pm Sunday AEST. Recharge inclusions do not rollover. All recharges are for personal use only and the Telstra FairPlay™ Policy applies.

PRODUCT SPOTLIGHT

NEW PRODUCT ROLLOUT MITRE 10

Product Type

Product Name

RRP

Barcode

POSA

BH Mitre 10 $50 POSA AUS

$50

076750038082

POSA

BH Mitre 10 $100 POSA AUS

$100

076750038099

BOATING CAMPING FISHING

Product Type

Product Name

RRP

Barcode

POSA

BH Boating Camping Fishing $50 POSA AUS

$50

076750043994

POSA

BH Boating Camping Fishing $100 POSA AUS

$100

076750043987

RED BALLOON

Product Type

Product Name

RRP

Barcode

POSA

BH Red Balloon 2016 $50 POSA AUS

$50

076750223211

POSA

BH Red Balloon 2016 $100 POSA AUS

$100

076750223228

BOOST MOBILE

Product Type

Product Name

RRP

Barcode

PIN

$25 BOOST Recharge Voucher

$25

9316423017367

PIN

$50 BOOST Recharge Voucher

$50

9316423036412

NETFLIX

Product Type

Product Name

RRP

Barcode

PIN

Netflix $20 AUS

$20

9337694034204

PIN

Netflix $30 AUS

$30

9337694034211

PIN

Netflix $50 AUS

$50

9337694034228

KOBO

Product Type

Product Name

RRP

Barcode

PIN

Kobo Gift Voucher $25 AUS

$25

9337694033894

PIN

Kobo Gift Voucher $50 AUS

$50

9337694033900

Why should retailers stock Lycamobile?

Grow your business with the world’s largest international MVNO Range of international, national and data bundles available to suit all customer needs.

LOW COST INTERNATIONAL CALLS FROM

China

India

Hong Kong

Malaysia

Landline & Mobile Flagfall 29¢

Singapore

One number to call for all support, ordering and POS solutions.

SIMs now available for all smart phones

Build brand awareness via standout POS material, including: window decals, counter mats, brochures, product displays, display signage.

UNLIMITED

calls from Lycamobile to Lycamobile in Australia

www.lycamobile.com.au

The special rates are applicable for those customers who opt-in by texting ACT SAVE to 2525; you will eligible for the Special discounted international rate with flagfall 29¢. Customers who do not opt-in will be charged at the standard rate. Promotional tariff valid for 30days from the Opt-in. These rates and inclusions are current as of 15/01/2016 we may remove this plan by giving 7 days’ notice on our website at lycamobile.com.au. Any plans already activated at time of withdrawal shall continue until expiry of 30 days from activation. Calls to any Lycamobile numbers in Australia are unlimited. Customer must recharge by a minimum (of $10) during each calendar month & should have a minimum account balance of $0.01 to be eligible for making calls. If customer not recharge within the same calendar month, still can enjoy the free call for the first 15 minutes with a Flagfall of 29¢ per call (standard rate of 15ct/ min will apply afterwards). Promotion valid only within Australia mainland and is not applicable while roaming abroad. Other usage will be charged at the standard rate. See www.lycamobile.com. au for current rates and changes.

NEWS

TERMINAL NEWS

epay is constantly improving its technology and providing advice to its many customers. Read on and stay ahead of the curve.

FRAUD ALERT A s a retail owner you should always keep your eye out for any suspicious activity – and train all staff to do the same. Recently released Visa statistics showed 40,000 small and medium-sized businesses in Australia and New Zealand were considered the highest risk for victims of fraud. Such businesses were large enough to process about 20,000 eCommerce transactions each year, but too small to adequately protect their systems – which meant that criminals could spy on customers’ credit card details. So stay safe by staying smart!

The National Australia Bank (NAB), for example, in their advice to merchants titled Credit Card Fraud Protection, lists five high risk transactions to be wary of as they may indicate that the customer is attempting fraud. These are: • Card not present • Card number is manually keyed in • No authorisation obtained • Card is not swiped through EFTPOS terminal • Fall-back transactions (a transaction processed when the terminal is offline) Credit cards need to be kept in a secure place, ATMs should be checked for any unusual attachments, personal details including PIN numbers should be protected, financial statements should be checked continuously, and chip and pin security should be implemented on credit cards when possible.

Being wary of possible fraud is the best defence against your business becoming a victim. To combat fraudulent behaviour always ensure that you and all the staff in your store follow these steps: • Never provide your five-digit sales code to anyone or let them operate your terminal alone

28

e p a y AU GUST 2 016

• epay will never conduct a live transaction in your store (or ask you to do so in person or over the phone). If you do get asked, report it immediately to epay customer service on 1300 301 408 • Ensure that the customer has paid in full before processing the payment • Do not give vouchers to the customer until you are satisfied that the full valid payment has been received • NEVER give out voucher numbers over the phone, even if they claim to be from epay • If you suspect fraud, please call the epay customer service team on 1300 301 408 and report it to the police immediately We recommend for cash collection products (including Visa) that you only accept cash as payment. This will limit the potential for credit card fraud. If you fall prey to fraud, please call Crime Stoppers on 1800 333 000 and epay Customer Service.

For more information on fraud, visit www.scamwatch.gov.au. Here you’ll find

everything you need to know regarding the most common fraudulent behaviour and scams, as well as details regarding the Australasian Consumer Fraud Taskforce, made up of 22 government regulatory agencies and departments with responsibility for consumer protection.

ASK YOURSELF Please pay close attention to these questions that have been added to terminals when processing a transaction. If you answer any of these questions unfavourably, you are likely to be experiencing a fraudrelated transaction.

• Confirm the customer is in store?

Yes/No • Confirm the customer has paid for the product? Yes/No • Is this voucher being printed in response to a telephone call? Yes/No

NEWS

TERMINALS • Does your store regularly sell over $1,500 in gross sales per week?

• Does your site have internet connectivity?

• Is the internet router located at the front counter near your epay machine?

• Is there an available port on the back of your router?

• Does your firewall allow outbound connectivity?

If you answered YES to the above questions you may be able to upgrade your epay system. The new epay terminals don’t require an analogue phone line and operate using your store’s internet connection. If you’re interested in upgrading to an IP terminal today please contact us on devicemgt@ epayaust.com.au for more information.

NEED CLEAR REPORTING? To ensure that your sales are matching your reports, make sure that you regularly run reports through your epay terminal. Reports that are available through the terminal include: Shift Totals – If your store runs across multiple shifts, you can produce reports for each shift by selecting this option. Ensure your shift is closed off by selecting End Shift.

Day Totals – If you need a running report of sales since the last report was closed off, the day

totals report will run this option. It can also be printed throughout the day without closing it off.

Operator Totals – To keep track of your individual operator totals, this report will produce everything, broken down by the operator that made the sales. If you want to incorporate KPIs or staff incentives, this is the perfect way to keep track of your operators. It is strongly recommended that only a supervisor or manager ever requests these reports.

EPAY

EXTRANET Have you ever wanted to check your sales totals online? Looking for more information about a sale? Want to look at historical data? Then we have the tool for you! epay’s Extranet online tool allows you to log on and view sales data for current or past weeks. Sales reports also provide better visibility into sales, including sale time and transactional details.

Request your Extranet account today by following these simple steps: Call epay Customer Service on 1300 301 408 and request an Extranet Account Email extranet@epayaust.com.au with your full name, contact details, epay account number (which can be found on your epay invoice) and a preferred password Log on to www.epayaust.com.au, select the Retailer Tab and then Extranet Reporting and then you can simply follow the prompts. It’s as easy as that.

HAVE WE GOT YOUR EMAIL ADDRESS?

To ensure we have your correct email address please log onto www.epayaust.com.au and follow the links: Retailer > Retailer Support > Electronic Invoicing. This will ensure you receive all of epay’s communications, including invoices, promotions, surveys and the latest products. You will also join epay in reducing our carbon footprint.

e p a y AU GUST 2 016

29

GAME REVIEWS

LEGO® STAR WARS™ THE FORCE AWAKENS $69.95 on Xbox One

XBOX – WHAT’S HOT

30

PLANTS VS ZOMBIES GARDEN WARFARE 2 $49.95 on Xbox One

ORI AND THE BLIND FOREST $26.95 on Xbox One

In this hilarious, action-packed shooter, zombie leader Dr Zomboss has strengthened his horde and rebuilt suburbia as a zombie utopia. But hope remains, because for the first time the plants are taking the offensive in an allout attack to reclaim their turf.

This definitive edition is a new version of the masterfully-crafted action-adventure platformer that combines exploratory gameplay with a heart-wrenching emotional narrative. The winner of multiple prestigious awards, Ori is an unforgettable experience.

e p a y AU GUST 2 016

The Force is strong with this one…

The No.1 LEGO® video game franchise triumphantly returns with a fun-filled, humorous journey through the new Star Wars adventure. Play as all of the characters from the movie, including Rey, Finn, Poe Dameron, Han Solo, Chewbacca, C-3PO, and BB-8, as well as Kylo Ren, General Hux and Captain Phasma.

GAME REVIEWS

EA SPORTS™ FIFA 17 DELUXE EDITION – RELEASED SEPTEMBER 29 $119.95 on Xbox One

ROCKET LEAGUE $26.95 on Xbox One

SHERLOCK HOLMES $99.95 on Xbox One

Powered by Frostbite, FIFA 17 transforms the way you play, compete and emotionally connect with the game.

The latest edition of this world-famous game immerses you in authentic football experiences. It leverages the sophistication of a new game engine while introducing you to football players full of depth and emotion. It also takes you to brand new worlds accessible only in the game. FIFA 17 unveils new innovations in the way players think and move, physically interact with opponents, and execute in attack, which lets you own every moment on the pitch.

XBOX LIVE GOLD MEMBERSHIP

Soccer meets driving once again in the award-winning, physics-based multiplayer sequel to Supersonic Acrobatic RocketPowered Battle-Cars. Choose a variety of high-flying vehicles equipped with huge rocket boosters to score amazing aerial goals and pull off incredible, gamechanging saves.

This is a fantastic adventure with unique gameplay blending investigation, action and exploration that will test the limits of your nerves and intelligence. Track down evil in the darkest corners of London as the great detective, as you untangle a web of intrigue leading to the final stunning revelation.

Xbox users can connect and play with friends around the world, access game add-ons, full game downloads and exclusive discounts. Plus get early access to some of the best new content.

MEMBERSHIP CARDS AVAILABLE: $29.95 for 3 months $79.95 for 12 months

e p a y AU GUST 2 016

31

GAME REVIEWS

GOD OF WAR COMING SOON Price TBC on PlayStation 4

PLAYSTATION – WHAT’S HOT

32

ALIENATION™ $19.95 on PlayStation 4

NO MAN’S SKY $89.95 on PlayStation 4

Gather together Earth’s steeliest soldiers and prepare to make bloody mulch out of invading alien forces as you take back the planet. Drop in as soon as you’re suited up and join up to three other players. Or, when the heat is on, call on others to back you up and help drive away the extraterrestrial hordes.

Journey from the farthest depths of space to answer the call of an irresistible mystery at the centre of the galaxy. Plot your course through a living, breathing universe on an unprecedented scale and discover new worlds, species, precious resources and mark your celestial realms for other cosmonauts to visit.

e p a y AU GUST 2 016

The God of War has changed and this is not the Kratos you know. A difficult and unfamiliar road awaits as you explore a stunning retelling of a classic story.

Join Kratos as he adventures through a deep and reflective journey of growth, violence and the desire to become a better man for the sake of his son. In a world of monsters, dragons and gods, the weight of responsibility rests heavy on your shoulders – and when your life is filled with blood and chaos, how can you prevent the mistakes of the past in order to protect your future?

GAME REVIEWS

RATCHET & CLANK $49.95 on PlayStation 4

Join everyone’s favourite Lombax and his robotic sidekick in a brand new game that retells the plucky pair’s adrenalinecharged story. Whether you’re a long-time Ratchet fan or new to the series, get ready for an unforgettable trip across the universe.

FAR CRY PRIMAL $79.95 on PlayStation 4

HITMAN $89.95 on PlayStation 4 Enter a vicious world beyond nations, justice and ethics which never sleeps and exists everywhere. As Agent 47, you perform contract hits on high-profile targets in exotic locations around the world. Whether you use brute force or orchestrate a genuine masterpiece of assassination, all of Agent 47’s slick skills are at your fingertips.

Discover the majestic and savage land of Oros with its breathtaking valley of redwood forests and humid swamps where you can see Earth as it was before man laid claim to it. Stalk enemy outposts and use weapons crafted from the bones of beasts you kill.

PLAYSTATION NETWORK CARD PlayStation users can purchase content including games, game add-ons, tracks from the SingStore (PS3 only), subscription to Music Unlimited and movies to own or rent via the PlayStation Store.

AVAILABLE IN AMOUNTS OF: $30/$50

Why should retailers stock Lycamobile?

Grow your business with the world’s largest international MVNO Range of international, national and data bundles available to suit all customer needs.

LOW COST INTERNATIONAL CALLS FROM

China

India

Hong Kong

Malaysia

Landline & Mobile Flagfall 29¢

Singapore

One number to call for all support, ordering and POS solutions.

SIMs now available for all smart phones

Build brand awareness via standout POS material, including: window decals, counter mats, brochures, product displays, display signage.

UNLIMITED

calls from Lycamobile to Lycamobile in Australia

www.lycamobile.com.au

The special rates are applicable for those customers who opt-in by texting ACT SAVE to 2525; you will eligible for the Special discounted international rate with flagfall 29¢. Customers who do not opt-in will be charged at the standard rate. Promotional tariff valid for 30days from the Opt-in. These rates and inclusions are current as of 15/01/2016 we may remove this plan by giving 7 days’ notice on our website at lycamobile.com.au. Any plans already activated at time of withdrawal shall continue until expiry of 30 days from activation. Calls to any Lycamobile numbers in Australia are unlimited. Customer must recharge by a minimum (of $10) during each calendar month & should have a minimum account balance of $0.01 to be eligible for making calls. If customer not recharge within the same calendar month, still can enjoy the free call for the first 15 minutes with a Flagfall of 29¢ per call (standard rate of 15ct/ min will apply afterwards). Promotion valid only within Australia mainland and is not applicable while roaming abroad. Other usage will be charged at the standard rate. See www.lycamobile.com. au for current rates and changes.

ON THE NET

BLOG IT

Retail blogs allow quick, easy access to a world of expert know-how. Whether you want to increase sales, find new ways to merchandise or simply deliver better customer service, these examples are worth checking out.

34

smallbizviewpoints.com This is a great source of guidance and information for small businesses, franchise owners, buyers and sellers to build and to profit. The topics in the blog cover marketing, customer service, sales, finance, operations, technology, management and employees.

womenonbusiness.com This award-winning destination is full of the news and information women need to be successful in the business world from an international team of contributors. The goal here is to see the power of women in business grow and to broaden online discussion.

thefranchiseking.com/blog Get expert, trustworthy advice on how to find, research and buy a profitable franchise from a real-life franchise owner – Joel Libava. The author has endless advice for new franchise owners and how they can make the most from their businesses.

copyblogger.com/blog Since 2006, copyblogger has been delivering inspiring online content so they know a thing or two about how you can optimise what you do. Visit this blog for daily content that tells you what’s hot, and what’s not, in online content right now.

e p a y AU GUST 2 016

ON THE NET

BECOME A DIGITAL HERO SEARCH ENGINE OPTIMISATION SEO is the art of ensuring your website is highly ranked within a search engine’s search results. The higher placed you are, the more visitors you will receive. You may need to engage a SEO company to make sure you are on the first Google page for searches that relate to your business.

googleblog.blogspot.com.au This is a good place to go to stay up-to-date with the most popular search engine in the world. Google commands the biggest piece of the search engine pie so staying current on their latest products, culture and technology is a smart move.

SEARCH ENGINE MARKETING SEM is taking SEO to the next level by actually paying to have your website the first cab off the rank on popular search engines. Also known as sponsored listings, paid inclusion products are provided by most search engine companies either in the main results area, or as a separately identified advertising area.

BE MOBILE READY Don’t expect your potential customers to be viewing your wares via your desktop site. More and more people these days are on-thego and looking to find information and services via their mobile device. This means your site needs to be mobile enabled or you are going to lose a huge chunk of potential customers.

SOCIAL MEDIA Word-of-mouth has always been a key ingredient of all successful businesses and with social media it is now more efficient than ever before. For example, a simple “like” or “share” of a special offer you have, can spread like wildfire. Be clever, be unique, but be consistent – you need to constantly engage with your followers.

searchengineland.com A great go-to place for daily news, trends and case studies for all things Search Engine Optimisation (SEO) which will boost your online presence. And check out marketingland. com, which is their sister site, for even more online marketing daily news and information.

EMAIL MARKETING Backed up by having a strong social media presence, email communication is still a solid, proven way to engage with customers. If you can deliver your marketing messages in a clean, efficient way on a regular basis, you have a cost-effective tool to talk to your customers in a format they can digest easily.

e p a y AU GUST 2 016

35

Your personal and business foreign exchange specialists

As a sister company of epay we are proud to be able to offer preferential currency services to all of their partners and suppliers. We are one of Australia’s largest non-bank currency providers and a part of the Euronet group, a global leader in money transfer services.

Whether you’re a large business entity, small to medium sized enterprise or a private client, the underlying commitment is the same to all. We offer better rates and great customer service!

As one of the world’s largest deliverable foreign exchange providers, you can rest assured your funds are safe and secure.

Benefits HiFX offers you: Highly competitive live exchange rates A 24/7 secure online platform and access to a dedicated dealing team Zero or low transfer fees First ranking security over your funds in HiFX’s client trust accounts Access to both domestic and offshore foreign currency accounts for deposits Payment processes and solutions to make your transactions more efficient (money and time) It doesn’t cost anything to open and have an account with us

Referral code:

epay

For a free trade audit or any questions please call Stuart Talman on:

+61 (0) 2 8270 4500 or 1800 006 592 currency services eXpertly done

alternatively, email stuart.talman@hifx.com.au

Disclaimer: Unless otherwise expressly indicated, to the extent that any information contained in this flyer may be construed as advice, HIFX Ltd has not considered your objectives, financial situation and needs and you should, before acting on the advice, consider its appropriateness to your circumstances. You should obtain and read our Financial Services Guide and Product Disclosure Statement, available at www.hifx.co.nz, before making any decision regarding HIFX Ltd's products or of its associated companies. Unless expressly indicated to the contrary, the contents of this flyer and any accompanying material are not intended to be a solicitation of funds, or a recommendation to trade a financial product. To the extent permissible at law, HIFX Ltd expressly disclaims all, or any liability and responsibility to any person in respect to anything (and the consequences of anything) done or omitted to be done by any person in relation to the whole or part of the material contained in this flyer.

HIFX Ltd ABN 54 106 779 953 / AFSL No 240914 | HIFX Australia Pty Ltd ABN 78 105 106 045 / AFSL No 240917 is regulated by the Australian Securities and Investments Commission (ASIC). You can view a copy of both our Financial Services Guide and Product Disclosure Statement at www.hifx.co.nz or www.hifx.com.au .