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© 2012, BOKU Inc. All rights reserved • PROPRIETARY AND CONFIDENTIAL.‘BOKU', and 'Pay by Mobile' are registered trademarks of BOKU, Inc.

PSE Consulting /Sidley Austin

Merchant Acquiring Conference

23 November 2012

© 2012, BOKU Inc. All rights reserved • PROPRIETARY AND CONFIDENTIAL.‘BOKU', and 'Pay by Mobile' are registered trademarks of BOKU, Inc. 2

I am not alone

© 2012, BOKU Inc. All rights reserved • PROPRIETARY AND CONFIDENTIAL. ‘BOKU', and 'Pay by Mobile' are registered trademarks of BOKU, Inc.

Total E-retail Market – Month to

Month

3

IMRG Capgemini e-Retail Sales Index 2012


IMRG Capgemini E-retails Sales

Index vs. ONS Retail Sales Index

(RSI)

4



Year on Year Growth in the IMRG

Capgemini E-retails Sales Index vs.

ONS Retail Sales Index

5

Rolling 13 Months



Growth on Cards is essentially Face

to Face

6

12%

15%

18%

25%

2%3%

2%

8%

UK US France Brazil

2010-15 e-comm card vol CAGR

2010-15 F2F card vol CAGR

27%

13%

9%

4%

UK US France Brazil

E-Commerce Card Volume as % of Total (CP +

CNP) Card Volume, 2011

E-Commerce Volume Growth vs. Face

to Face Volume Growth, estimated

E-Commerce Card Volume as % of

Total (CP + CNP) Card Volume, 2011

First Annapolis Research

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So where’s it all

going to end?


The future of the High Street?

8


Smartphones, PCs and Tablets

9

© 2012, BOKU Inc. All rights reserved • PROPRIETARY AND CONFIDENTIAL. ‘BOKU', and 'Pay by Mobile' are registered trademarks of BOKU, Inc. 10

Last year was the tipping point

…smartphone sales overtook PC

Sales


Worldwide Internet-Enabled Device

Shipments

11

Q1:12 – Inflection

Point

Android Smartphones >

Windows PCS

KPCB Internet Trends 2012


Global Internet Device Sales

12

We are

here

Gartner, IDC, Strategy Analytics, Business Insider Intelligence estimates


Share of Device Page Traffic Over a

Day

13

Comscore, Telefonica, Marcquaire Capital (USA), December 2011


Angry Birds Downloads vs. Nintendo

DS Sales

14

Business Insider Intelligence estimates, New reports and company releases


Sales Growth

15

+312%M-commerce

E-commerce

Retail

+11%

<1%


Selling in the 21st Century

• Consumers are better informed

and more deal hungry than ever

before

• Merchants can no longer rely

on location or reputation

16


Merchants

• Drive down overheads

• Increase Sales

17

• Payment fees

commoditised

• New Customers

• Increased Basket

Size

• Conversion

• Daily Deals

• Loyalty Schemes

• Ruthless attention

to the customer

experience


Reducing Margins

18


Average Conversion Rate e-retail & m-

retail

19



How Big is your Base

20

Accounts with Credit/Debit Cards Linked (in millions)

100

150

400


Closer to the merchant

the better chance of winning

21

Acquirers

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