ecommerce and the Developing World
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1 Global Payments Summit Singapore -- June 6, 2013 ecommerce and the Developing World Niki Manby Head of Emerging Product & Innovation, APCEMEA Visa
2 Notice of Disclaimer Case studies, statistics, research and recommendations are provided "AS IS" and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. When implementing any new strategy or practice, you should consult with your legal counsel to determine what laws and regulations may apply to your specific circumstances. The actual costs, savings and benefits of any recommendations or programs may vary based upon your specific business needs and program requirements. By their nature, recommendations are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Assumptions were made by us in light of our experience and our perceptions of historical trends, current conditions and expected future developments and other factors that we believe are appropriate under the circumstance. Recommendations are subject to risks and uncertainties, which may cause actual and future results and trends to differ materially from the assumptions or recommendations. Visa is not responsible for your use of the information contained herein (including errors, omissions, inaccuracy or non-timeliness of any kind) or any assumptions or conclusions you might draw from its use. Visa makes no warranty, express or implied, and explicitly disclaims the warranties of merchantability and fitness for a particular purpose, any warranty of non-infringement of any third party's intellectual property rights, any warranty that the information will meet the requirements of a client, or any warranty that the information is updated and will be error free. To the extent permitted by applicable law, Visa shall not be liable to a client or any third party for any damages under any theory of law, including, without limitation, any special, consequential, incidental or punitive damages, nor any damages for loss of business profits, business interruption, loss of business information, or other monetary loss, even if advised of the possibility of such damages. 2
3 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of These statements can be identified by the terms objective, goal, strategy, opportunities, continue," can, "will" and other similar references to the future. Examples of such forward-looking statements may include, but are not limited to, statements we make about our corporate strategy and product goals, plans and objectives. By their nature, forward-looking statements: (i) speak only as of the date they are made, (ii) are neither statements of historical fact nor guarantees of future performance and (iii) are subject to risks, uncertainties, assumptions and changes in circumstances that are difficult to predict or quantify. Therefore, actual results could differ materially and adversely from those forward-looking statements because of a variety of factors, including the following: the impact of new laws, regulations and marketplace barriers; developments in current or future litigation or government enforcement, including interchange, antitrust and tax disputes; economic factors; industry developments, such as competitive pressure, rapid technological developments and disintermediation from the payments value stream; system developments; costs arising if Visa Europe were to exercise its right to require us to acquire all of its outstanding stock; loss of organizational effectiveness or key employees; failure to integrate recent acquisitions successfully or to effectively launch new products and businesses; changes in accounting principles or treatments; and the other factors discussed in our most recent Annual Report on Form 10-K filed with the U.S. Securities and Exchange Commission. You should not place undue reliance on such statements. 3
4 Growth in ecommerce Volume ecommerce is fast outpacing traditional Face-to-Face especially in developing markets 30% 25% 20% 15% 2.0x Payment Volume -- Year-over-Year Growth 3.6x 2.9x 12.4x 10% 5% 2.3x 0% -5% Face-to-Face Payment Volume ecommerce Payment Volume Source: Euromonitor Retail Data 4
5 $Billions ecommerce Volume by Region Asia Pacific expected to take lead in B2C ecommerce growth this year North America Asia Pacific Western Europe Latin America Eastern Europe Middle East & Africa Source: emarketer, July
6 ecommerce Share of Total Payments Despite rapid Y-O-Y growth, ecommerce share of total payments remains small 100% 90% $275B $520B 3% 3% 4% 4% 5% 80% 70% 60% 50% 40% 30% 20% 10% 0% Source: Euromonitor Retail Data Face-to-Face Payment Volume ecommerce Payment Volume 6
7 Drivers of ecommerce Evolution Proliferation of Devices Convergence of Payment Methods Consumer Purchasing Behavior Influence of Millennials 7
8 Proliferation of Devices Number of mobile subscriptions is nearing world population 6.8 billion mobile subscriptions 1.9 billion handsets shipped in % smartphone penetration 2.4 billion social networking accounts 2 million mobile broadband subscriptions 2.4 billion Internet connections Source: Internet connections according to NewMediaTrendwatch 2012; Social Networking accounts according to the Radicati Group Inc. Social Networking Market, 2011 to 2015; Mobile subscriptions according to The International Telecommunication Union 2012; Internet access data from Euromonitor, Mobile internet access, mobile broadband subscriptions, smartphone penetration, and handsets shipped according to mobithinking 8
9 Convergence of Payment Methods The lines between traditional payment experiences are blurring Payment Channels Multiple Devices Payment Methods Face-to-Face Alternative Payments ecommerce Debit/Credit/ Prepaid/Commercial Mobile Rewards Currency Use of third party trademarks, logos and images does not imply product endorsement Visa Inc. Confidential 9
10 Consumer Purchasing Behavior Consumers are becoming integrated shoppers, and payments are a part of a more integrated consumer experience 1 Consider 2 Evaluate 4 Advocate 3 Buy 10
11 Influence of Millennials Millennials are key influencers in the evolution of omni-commerce 1.1 billion strong million in Asia Pacific, UAE, South Africa and Russia Highly urbanized Technologically adept, particularly with smart phones -- "entitled to conveniences Comfortable with cashless environment Expect ability to establish relationships remotely Source: Data on Millennials from Millward Brown study conducted for Visa, Connecting with the Millennials, Nov
12 ecommerce across Market Types ecommerce growth in the future will depend on adaptations for the small screen Emerging Developed Sophisticated State of the Market 1 Population 240 million 1.3 billion 23 million Mobile Penetration 104% (250 million) 77% (1 billion) 109% (25 million) Internet Users 48 million 570 million 18 million Average Spending 3 $ $490-1,000 $3,500-4,000 Projected ecomm Growth Total Sales Volume 3 $6-15 B $ B $36-51B ecommerce Penetration % % % Online Buyer Penetration % 43-67% 74-79% 1 Euromonitor 2012; 2 Euromonitor ; 3 emarketer ; 4 emarketer , internet users making at least one purchase within a year 12
13 ecommerce Fundamentals Setting the foundation for future ecommerce growth requires investment in fundamentals Optimized ecommerce Digital Wallets Fraud Mitigation Shipping & Delivery Card Enablement 13
14 The Future of Omni-Commerce An integrated and customized payment experience across channels and devices AUGMENTED COMMERCE MULTI-CHANNEL SHOPPING CUSTOMIZABLE SHOPPING PREFERENCES FRICTIONLESS CHECKOUT SOCIAL NETWORKING INTEGRATION LOCATION-BASED SERVICES 14
15 Comments Niki Manby Head of Emerging Product & Innovation APCEMEA Visa
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