Cards going mobile:

What is changing?

• The role of mobile

• Implementation &

education

• Convergenge

Vznikají nové možnosti placení...

The Classic

Plastové karty

Contactless Possibilities

Need to

educate

cardholders,

build

acceptance

Paypass

cards

Paypass

gadgets

Transport,

public

sector

Mobile

NFC, digital

payments

E-commerce

Loyalty

schemes,

offers

The New Ecosystem

Vývoj plateb zrychluje, mění styl života...

Merchant

Consumer

Merchant-initiated

(Traditional)

Consumer-

initiated

Offer/rewards redemption

Person-to-Merchant

(also digital)

Bill payments

Person-to-Person (P2P)

Remittances

New mobile opportunities

Local rewards

Local search

Democratization of

payment acceptance

Targeted marketing

Viral marketing

Implications for banking and payments

Acceptance

development

Mobile wallets

Mobile POS

Digital and physical

convergence Cards

reincarnation

New channel to

target and reach

consumers

©2013 MasterCard. Proprietary and Confidential

Cards going mobile:

What is changing?

• The role of mobile

• Implementation &

education

• Convergenge

Dozens of MasterCard commercial projects

©2013 MasterCard. Proprietary and Confidential

PayPass chip in phone PayPass sticker

(and application)

Mobile application

• Accepted at all PayPass

locations

• Speed of transaction

• User interface (wallet)

• Only PayPass ready (NFC-

equipped) phone, accesory

• Accepted at all PayPass

locations

• All phones and more

• Speed of transaction

• Integration of user interface

(wallet) in the future

• Large variety of use cases

(both digital and physical)

• Terminal not needed

• Easy development and

deployment

• Online connection required

Issuing bank

Acquiring bank Merchant

Customer

TSMs

Telco

Issuing bank

Acquiring bank Merchant

Customer

Service Mngr

.

.

.

Education made easy

Bank Merchant Customer Telco

©2013 MasterCard. Proprietary and Confidential

Cards going mobile:

What is changing?

• The role of mobile

• Implementation &

education

• Convergenge

Page 20 January 10, 2012

Smartphone

Social media

Gaming

Cloud

systems

...and everybody wants to have its own payment scheme

©2013 MasterCard. Proprietary and Confidential

Pohodlná a bezpečná možnost volby

Page 22 January 10, 2012

Consumers want

choice & convenience

Banks

Telcos

Digital

Retail

PayPass

Tap & Go™

Buy with

MasterPass

©2013 MasterCard. Proprietary and Confidential

Cards going mobile: What is changing?

• Adoption path of multiple forms & faces of cards, mobile to prevail and bring increased transactions and relationship

• Implementation of mobile payments already now (digital and NFC) with new non-financial partners (MasterCard to mediate)

• Customers will have more control and comfort; benefits and merchant inclusion are important for adoption

• Wallets enable integration and convergence within

– Other banking services

– Purchasing process

– Multiple devices

• MasterPass will be universal wallet and acceptance

©2011 MasterCard. Proprietary and Confidential