Major Global Trends in Payments Space

1. Development of Mobile Applications for smart phones

2. Mobile payments and M-Wallets

3. P2P payments

4. Social networking and virtual reality world

5. Public healthcare in the U.S., electronic records, and

payments

6. Cloud computing

7. Loyalty management, relevant timing and couponing

8. Globalization

Many new products should stem from these trends

and/or address needs of these new developments.

New Product Developments Ideas

Riskiest

Least Risky

Riskier

Old Markets New Markets

New

Pro

du

cts

O

ld P

rod

ucts

Product Enhancements

&

Process Improvements

• Prepaid/Value Stored Cards

• Bill Payment

• Mobile Products

• Lending

• MicroInsurance

• Credit Enhancement

• Money Order

• Geographic Expansions

• M-Wallet

• P2P Payments

• Wallets for Social Networks

• Loyalty Pay-out Network