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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
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