Solutions for RetailersProviding products and solutions that create value for your business and your customers.

Merchant Solutions

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In an increasingly competitive retail landscape, Merchants are continually looking for ways to maximize revenues and minimize costs.

1. Understanding share of wallet

2. Reduce declines and minimize fraud

3. Deliver targeted communications to customers

4. Grow customer engagement and offer personalized rewards

5. Provide customers with a better and consistent experience across channels

6. Remain abreast of regulatory changes and maintain compliance with relevant policies

What is most important to Merchants?

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•Understanding your customer and your business is critical for success

•Data informed insights drive growth and provide a competitive edge

Mastercard Advisors

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Understand and Segment Consumers

• Existing Customers• Prospective Customers

• Visitor spend & travel patterns

Evaluate and Improve• Test & Learn• Measure

impact on sales • Understand

the audience

Deploy Targeted Campaigns• Digital• E-mail• Direct Mail• Social• Radio• TV

KNOW

MEASURE ACT

MARKETING SERVICES

INFORMATION SERVICES

Data, Software Platforms and Reports to help retailers understand their customers and markets

Implementation support for marketing and acquisition programs to drive customer behavior and engagement

Consulting support with dedicated subject matter experts to deliver actionable insights

CONSULTING SERVICES

Mastercard Advisors provides consulting, analytics & execution for Retail

GAIN INSIGHTS

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BENEFITS

• Grow customer base and sales through deeper understanding of customer segmentation and ability to target accordingly

• Understand share of wallet, and where else customers are spending to gain uplift

• Improve brand perception and awareness through compelling marketing campaigns

• Ongoing consultancy to evolve and grow the business

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•Innovation is critical to business success but it must be driven by insights drawn from empirically rigorous methods

•Better decision making will grow profits and improve business success

Applied Predictive Technologies (APT)

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HOW IT WORKS

Test & Learn® : How it Works

*Based on data from a survey of leading consumer facing organizations

Test & Learn answers three questions about any initiative:

1. What is the overall incremental impact of the program?

2. Which aspects of the program work best?

3. Where should we roll out the program?

Test & Learn®software enables organizations to design and accurately analyze in-market business experiments, testing an idea with a subset of locations, customers, employees, markets

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MDES for Merchants (M4M)

•Allowing merchants to balance convenience with security by replacing PANs with digital tokens

•Each payment is secured and customer credentials can’t be cloned or used fraudulently

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MDES (Mastercard Digital Enablement Service) for Merchants delivers tokens with enhanced capabilities:

Original Card Data

Traditional 16-digit card number & data

Tokenization

An alternative number replaces the PAN and is mapped to the

funding account to manage account lifecycle

Digitization

Tokenized card details, associated data and card art

delivered onto a device and/or cloud

MDES

Tokenization is the process by which the original card number is replaced with a surrogate value called a “token”

TOKENIZATION EXPLAINED

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MDES FOR MERCHANTS 9

Better Approval Rates

Enhanced Security Improved User Experience

• Reduces card lifecycle related declines by keeping card information up to date

• Mastercard tokens provide issuers with additional visibility for fraud scoring to increase approval rates

• Tokenization enhances security, M4M tokens are merchant specific reducing the risk of data breach

• MDES is validating that the transaction is coming from the right merchant through the use of cryptographic data

• Tokens can be handled by issuers, acquirers and PSPs just like normal PANs across the world

• Card-on-file payments are not disrupted even when cards are updated or expire

• Merchants receive issuer card art assets to display to consumers

Interoperability

MDES for Merchants (M4M) tokens provide several benefits over standard Primary Account Numbers (PANs)

KEY BENEFITS

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•Providing consumers and merchants added choice in payments

•Advancing mobile banking using Request to Pay technology

Pay by Bank App

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Merchant displays the order confirmation on their app

Consumer receives a payment successful notification

In the background, secure digital token is retrieved within the mobile banking app

Consumer views details and confirms payment

In the background Pay by Bank app turns the basket into a secure digital token

BANK

Consumer logs into their mobile banking app

Consumer selects Pay by Bank app on merchant app

MERCHANT

1 2 3 4

BANK

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MERCHANTBANK

The Pay by Bank app has a simple merchant app user journey

HOW IT WORKS

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•Grow sales by providing customers with an alternative credit solution that makes purchases easier and quicker

•Raise consumer satisfaction by removing obstacles from the customer’s purchase journey

Mastercard Instalments

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HOW IT DRIVES YOUR BUSINESS

Mastercard Instalments Payments Services delivers added value to your business

Drive revenue from increased footfall and higher transaction values

Increase customer satisfaction and loyalty by delivering a better payment experience

Attract new customers /differentiate from your competitors Offer credibility and trust, with a

solution backed by Mastercard’s highly respected processing network

Enjoy simple and seamless change, with implementation support from Mastercard

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•Providing safe and secure transaction journeys for your customers will drive your business

•Addressing fraud will directly impact your bottom-line, offering greater operational and cost efficiencies

Enterprise Security Solutions

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HOW IT WORKS

NuDetect identifies consumers with confidence based on their online interactions

Input

NuDetect collects data points from the client environment including passive biometrics, behavioral analytics, and device & connection intelligence

Analysis

Thousands of data points are analyzed in real-time to identify risk created by automation, account takeover, and device & connection anomalies, as well as validate user interaction at authentication

Scoring

Real-time intelligence is used to add or remove friction based on the level of risk identified. The NuDetect Score Object contains:• Score• Device ID & device

fingerprint• Behavioral signals

Value

Layer into other existing risk and fraud management tools to create a more robust strategy to manage risk

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•Mastercard is one of the world’s fastest growing brands, with a successful brand campaign spanning more than 20 years

•A partnership with Mastercard gives Merchants the opportunity to leverage the benefits of our global brand and assets

Marketing Partnerships

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THE ASSETS

Our assets represent a broad range of interests and passion pillars