Visa s Future of Payments Update on recent activities
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1 Visa s Future of Payments Update on recent activities May 2012 For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities. 1
2 A series of phased releases is delivering these products into the market today Visa Personal Payments & Visa Alerts launch October 2011 Handset certification January 2012 Samsung Olympic NFC Phone April 2012 Digital wallet service launch Monitise strategic investment October 2011 McDonalds hits 1m contactless transactions in first 6 months of acceptance London buses April 2012 November 2011
3 2012 will be a key year and Visa is well positioned Further Product Developments Rapid Contactless Adoption Significant Availability of NFC Handsets Emergence of Large Commercial Rollouts 2012 Olympics - Showcase Further launches/developments of Visa Alerts and Visa Personal Payments Commercial availability of Mobile Contactless payments Significant merchant rollouts expected in key markets (UK, Poland, Turkey) Other markets (e.g. France, Spain, etc) committed to large scale contactless acceptance development in 2012 Visa approval of 6 handsets more to come Nokia/RIM all new smartphones from 2011 will come with NFC Announcements of NFC support Google (Android), Microsoft (Windows 8), Samsung, HTC and others Google Wallet European launch scheduled for 2012 Multiple MNOs and Joint Ventures planning 2012 launch of mobile wallets/payments Significant bank-mno partnership programmes Visa is a worldwide partner of the London 2012 Olympic and Paralympic Games Samsung-Visa partnership Olympic park & venues to be used as showcase for mobile & contactless
4 Visa & Vodafone Strategic Alliance announcement
5 Visa & Samsung partnership VISA AND SAMSUNG REVEAL MOBILE PAYMENTS APPLICATION FOR THE LONDON 2012 OLYMPIC AND PARALYMPIC GAMES Latest step forward in bringing mobile payments to London 2012 Olympic Games LONDON, 24th February 2012 Visa and Samsung today revealed the official mobile payments application of the Olympic and Paralympic Games. Samsung and Visa will debut the mobile payment application at Mobile World Congress, Barcelona, Spain from February 27th to March 1st. The application will be demonstrated at Visa stand (Hall 1, Stand 1B19) and Samsung stand (Hall 8, Stand 8B169). This marks the first step to realising the partnership between the two Olympic and Paralympic Games sponsors to bring mobile contactless payments to London as part of their support of the London 2012 Olympic Games. The application is based on Visa s paywave technology that enables contactless payments at the Point of Sale. To make payments, customers simply hold the phone in front of a contactless reader at the point of purchase. Purchases above 15 pounds require a passcode. The application also lets customers check their transaction history and view their up to date account balance. Backed by the multi-layered security and reliability of Visa s processing platform, mobile contactless payments are protected by the same standard terms and conditions that apply to Visa cards.
6 Visa Certified Handsets Visa Certified Smartphones for Use as Visa Mobile Payment Devices Samsung Galaxy SII LG Optimus NET NFC BlackBerry Bold 9900 BlackBerry Bold 9790 BlackBerry Curve 9360 BlackBerry Curve 9380
7 Visa paywave
8 Passcode is the winning CVM for mobile Online PIN applicable only for contactless higher-value payments Passcode same Passcode for many use cases Alerts Passcode supported on all HVP POS terminals in Europe Dynamic CVV2 Automatic/Manual modes are supported Security settings Markets with online PIN implementation for mobile cards (Spain, Turkey) For HVP in manual mode customers need to insert passcode first and online PIN later Market with only offline POS terminals (e.g. UK, France, Ireland, Finland) All customers are required to verify themselves with Passcode P2P Top-up m- commerce Loyalty Customer experience is chaotic Inconsistent and confusing authentication experience for customers with online PIN implementation DPA Card details Balance enquiry
9 Passcode is the most implemented CVM for Visa mobile cards Implementation with only passcode as CVM Implementation with online PIN + passcode as CVM Iceland Norway Finland Denmark Sweden Estonia Latvia Ireland UK Lithuania Belgium Netherlands Germany Poland France Luxembourg Switzerland Czech Rep Slovakia Austria Slovenia Hungary Romania Portugal Spain Italy Bulgaria Greece Turkey Cyprus Israel
10 Visa: A Global Leader in Mobile Payments
11 Visa paywave for Mobile Case Studies For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities. 11
12 la Caixa Visa cards in Sitges Bank: La Caixa MNO: Telefonica SE: SIM Centric 1,500 customers 500 retailers May to November 2010 Top Retailers for Purchases #1 Supermarket chain #2 Cafe in the centre of Sitges #3 Stand at Sitges municipal market 70% of customers give a score of 8 points or higher 90% would continue to use it A project by: Collaborating:
13 Yapı Kredi Visa cards on iphones Bank: Yapı Kredi MNO: Turkcell SE: icarte 1,000 customers 61K retailers Launched April 2011 A project by:
14 Akbank Visa cards on micro-sds Bank: Akbank MNO: SE: micro SD 500 customers 61K retailers Launched Jan 2011 A project by:
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