WHAT S NEXT FOR MOBILE PAYMENTS?

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1 WHAT S NEXT FOR MOBILE PAYMENTS?

2 ? INSIGHT FROM LATIN AMERICA: WHAT S NEXT FOR MOBILE PAYMENTS? Mobile technology opens new opportunities for both financial institutions and merchants in Latin America. As mobile phone penetration is on the rise, there is a demand for new financial products and services. Can mobile payments solutions turn the region s cashonomy into safer, more convenient and time efficient transactions? We did a quick survey to find out what are the drivers and challenges that the mobile payments ecosystem needs to overcome in order to break the cultural legacy of distrust and unleash the region s full potential? And here is what we found. Q1. What is your company category? Association: 12% Advertising & marketing solutions: 2% Retailer/ Merchant: 3% Loyalty solution provider: 2% Solution provider: 18% Bank or Financial institution: 26% Consultant: 11% Wallet Developer: 8% Payment processor: 3% Integrator: 15%

3 Q2. Which is the main deterrent or challenge to the mobile payment ecosystem? 22% 8% 5% 12.3% 22% 6% 23% 3% Low consumer confidence over trust and security Building a relationship with the unbanked Establishing the common goals and common value propositions of mobile payments for the consumer Lack of acceptance from retailers and merchants Lack of legal clarity over standards and regulation Poor infrastructure Lack of a clear business models and partnerships where everyone get clear ROI Technical issues with interoperability between different solutions and countries: Q3. Which type of mobile payment technology will be the most successful for the unbanked population of Latin America? Please rate in order of importance? SMS Cloud-based solutions Direct Carrier Billing EMV Chip NFC Bluetooth

4 Q4. What is the main benefit that mobile can offer to retailers and banks? 9.2% Customer Acquisition and retention 35% Developing the unbanked community 8% Richer shopping experience- seamless online, offline and pre shopping 15% Geo-location and customized marketing 15% Customer loyalty 22% Reducing transaction times and queues 8% Data collection and management Q5. What do you think is the main catalyst for mobile payment success in LATAM? Retailers and Banks trying to build customer relationships: 20% Leveraging the mobile space to simplify payments: 20% Retailers trying to avoid the interchange fee: 9% Changing customer behavior with loyalty points and offers: 9% Targeting the unbanked population: 34% Improved safety and security for payments and fund transfers: 8%

5 Q6. What will help improve mass adoption of the mobile payments in LATAM? 18% Security benefits and fraud prevention 26% Integration and partnerships amongst key players in the industry 31% Customer education and change in consumer behaviors 22% 3% Convenience over existing payment methods Clear value exchange for private customer data Q7. How long do you think it will take to gain mass adoption of mobile payments in Latin America? 5% 26% 62% 8% 6-12 months months 2-5 years 5 + years

6 Q8. What country are you from? Spain: 6% Cuba: 2% Guatemala: 2% Mexico: 18% Costa Rica: 3% Panama: 2% Venezuela: 5% Peru: 6% Brazil: 2% Ecuador: 2% Colombia: 12% Bolivia: 2% Uruguay: 6% Paraguay: 5% Chile: 22% Argentina: 5% Q9. In your opinion, which of these Latin American countries do you think will see the biggest uptake of mobile payments in the near future? 1. Brazil 2. Chile 3. Columbia 4. Mexico 5. Peru 6. Argentina 7. Costa Rica 8. Dominican Republic 9. Uruguay 9. Panama 10. Paraguay 10. Trinidad y Tobago 10. Bolivia

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