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1For 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.
Market Development contactless & mobile update
Miloslav Kozler, Marcel GajdosVisa EuropePrague, 15 November 2012
What is Visa today?
Number of Visa transactions
28.8bn +13%
£1 in £7
14.9 17.7 20.2 24.2 24.8 32.4
2000 2002 2004 2006 2008 2010 2011
> £1 in £3
€1.16tr Point of Sale (POS)
spend
+14%
growth
Visa Europe Annual Business Results -
most recent data for 2011 The data is calculated using constant
exchange rates to minimise effect of any exchange rate movements
80% of consumer POS
spend on debit
Visa Europe share (%) of UK consumer spending 2000-2011
39.5
3For 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.
Czech Republic KPIs, y/e
June 2012
Highlights•
transactions
294.7 m growth: +13.78%
•
POS transactions
179.9 m growth: +19.59%
•
Gross CEV
€23 466 m growth: +8.47%•
POS CEV
€6 466 m
growth: +14.85%
For Visa Europe Internal Use Only3
Rates of growth = year on year
VCEC meeting │
Prague │September 19, 2012
4For 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.
Cards and
transactions,
y/e
June 2012
2012201120122011
POS
27.60%
POS
26.00%
POS
61.10%
POS
58.10%
CASHCASHCASHCASH
Transactions
Share
of
POS transactions: over 61%
Cards 2Q 2012 Growth
Cards (000) 5 658 2.12%
Gross CEV (€
000) 23 466 389 8.47%
POS CEV (€
000) 6 466 164 14.85%
CASH CEV (€
000) 17 000 225 6.22%
Transactions (000) 294 743 13.78%
POS Transactions (000) 179 958 19.59%
CASH Transactions (000) 114 785 5.73%
POS ATV (€) 35.9 -3.96%
CASH ATV (€) 148.1 0.45%
For Visa Europe Internal Use Only 4VCEC meeting │Prague │September 19, 2012
Gross
CEV
Target Debit Profit Pool
Cash and other88.0%
2011 –
Czech Republic
How Czech Republic compares to UK
100% = Czech Republic 2011 PCE: €77bn
5
Source: Datamonitor, Euromonitor, Visa,
Debit 30.7%
2011 –
UK
Credit 16.3%
100% = UK 2011 PCE: €1077bn
Credit 4.0%
Cash and other71.8%
Target Credit Profit Pool
ATM to POS
Debit
8.0%
6For Visa Europe internal use only
And how it compares across Europe (%)
Base: 41,396 banked adults, Age 16-65. Question: Which of the following do you have? (Q3) na
= not applicable. ++ Inflated due to online panel methodology*loadable card or store card
Payment cards held as % of banked adults
Estonia France Germany Italy Poland Spain Sweden Turkey GB USA Czech Rep
Romania Israel
% of adults who are banked 98 96 98 87 88 92 95+ 40+ 94 91 95 77 96
ATM only card 4 15 18 10 45 18 18 22 17 19 na na 21
Debit card 97 64 91 81 58 82 86 66 96 83 93 93 na
Credit card 26 27 23 13 42 33 45 68 62 77 16 14 86
Charge / Deferred Debit card
8 23 26 28 3 31 34 na 3 15 na na 4
Prepaid card 1 1 9 46++ 4 10 7 0 5 6 na na 5*
Prepaid card for travelling
0 4 1 9 12 16 8 2 4 1 na na 8
Multi-function card 1 16 na 38 na na 7 na na na na na na
Instalment card na na 2 na na na 5 na na 1 na na na
Store card 3 33 14 17 14 41 39 2 21 40 na na 63
Fuel card 7 2 8 12 7 16 40 1 3 13 5 2 6
Internet wallet 5 22 33 21 15 25 41 1 44 42 2 1 7
Average number of above payment cards
1.7 2.6 2.5 3.0 2.5 3.5 4.1 2.6 3.2 4.9 1.6 1.3 3.0
Highest= Lowest=
Base: 2001 Czech banked adult TransactionsQuestion: Thinking about the last time you made the payment, how
did you pay for it? (Q83)
* Overall does not take account of purchase frequency
And how people use their cards
*
Transactions by payment method (%)
8For 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.
Market Developments
The new iPad
iPhone
4S
2 billion+ apps
downloaded
World’s No. 1
500 million Smartphones
Google buys Motorola for
$12.5bn
Google Wallet
Pace and scale of change
9For 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.
Are you ready…for the Visa Future of Payments
Mobile at 15% card transactions by 2013
€1 trillion POS volumes in VE
€6.6 billion POS volumes in CR
€1 in €8 of consumer spending in VE
€1 in €10 of consumer spending in CR
25m+ Contactless cards in VE
400k+ Contactless cards in CR
Double digit growth rates in VE and
CReCommerce20% of volumes, growing at +30% annually in VE2% of volumes,
growing at +36% annually in CR
In 2010 alone,
400 private companies invested more than €1.1 billion in payment-related technologies
Three complementary platforms deliver the consumer experience
A secure cross-channel wallet, a range of customised mobile services and leading edge retailer loyalty services.
Mobile payments
Consumer promise:
•
Send money easily and quickly
to friends and family with person-
to-person payments
•
Pay for goods quickly and easily in shops by simply tapping a card or mobile with proximity payments
•
Feel protected and informed when using a card –
with real-time alerts
Consumer promise:
•
Feel appreciated and save money through compelling offers and rewards that are timely and relevant –
with loyalty
services
Consumer promise:
•
Pay conveniently and securely
on the web –
with a card wallet
Digital wallet Retailer loyalty
Visa is the most innovative brand in the Czech Republic
1)
Visa the strongest payment system with the largest market share in the Czech Republic
2)
Biggest contactless issuer3)
First brand to launch mobile NFC pilot
4)
First brand to launch commercial mobile NFC
21.9 million cards154k terminals
1212
Pilot
Study phase
Consumer rollout
Contactless in Europe 2011 (September –
1 year ago)
•Iceland•Norway
•UK•Ireland
•Germany
•Finland
•Sweden
•France•Austria
•Poland
•Slovakia
•Hungary
•Czech Rep
•Lithuania
•Estonia
•Latvia•Denmark
•Italy•Spain
•Portugal
•Turkey•Greece
•Romania
•Luxembourg
•Netherlands
•Belgium
•Bulgaria
•Switzerland
•Cyprus
•Israel
•Slovenia
•
15m Cards•
70,000 Terminals•
6 issuers in 2011
•
2.5m Cards•
45,000 Terminals•
11 issuers
•
250k Cards•
2,000 Terminals•
7 issuers
•
4m Cards•
30,000 Terminals•
15 issuers
•
100k Cards•
1,000 Terminals•
4 issuers
•
Launching in 2011
•
Launched in June 2011
•
220k Cards•
2,500 Terminals
•
Launched in June 2011
•
115k Cards•
4000 Terminals
•
Launching in 2011
•
Launching in 2011
Visa payWave Card and Mobile Dashboard
MOBILE
43% credit cards 56% debit cards
121.7k terminals CARDS MOBILE 75k terminalsCARDS MOBILE 80.5k CARDS MOBILE24.7m 6 issuers 6.8m
7 issuers 22 issuers
4.4k terminalsCARDS MOBILE0.4m
3 issuers
6.5k terminalsCARDS MOBILE0.7m
3 issuers
56.3k terminalsCARDS MOBILE 0.3k terminals2.5M CARDS MOBILE
7 issuers
46.7k terminalsCARDS MOBILE1.4m 2.2k terminals
5 issuers CARDS MOBILE0.3m 50.8k terminals
6 issuers CARDS MOBILE4.4m
11 issuers
Visa Europe confidential.
Note: data is sourced from individual member reporting
ACCEPTANCE
1 card issuer live
1 member live
1 member live42 million cards and 365k terminals
Study phase
Consumer rollout
ACCEPTANCEACCEPTANCE
1 member live
1 issuer live
Vis
a pa
yWav
e
Launching in 2012
Pilot
The story so far across Europe
ACCEPTANCE
ACCEPTANCE
4 members live
1 members live
5 members live
1 card issuer live
1 member live
ACCEPTANCE
CARDS
Launching in 2012
2 members live
ACCEPTANCE
2 issuers live
July-12
30.2k2 issuers
ACCEPTANCE
3 members live
Launching in 2012
ACCEPTANCE
ACCEPTANCE
1 members live
4 members live
Poland RM monthly update / 24th August 2012For Visa Europe Internal Use Only
Visa payWave dashboard
-
July
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
Sep-
10
Dec-
10
Mar
-11
Jun-
11
Sep-
11
Dec-
11
Mar
-12
Jun-
12
6,827,659
cards issued Highlights•
26
Issuers live with contactless;•
11
Acquirers live with contactless•
32% cards are contactless (+1%)•
75K
terminals are contactless
(25% of
all)•
7,15% of all transactions are contactless !!! (+1,15%)
0
1,000
2,000
3,000
4,000
5,000
Sep-
10
Dec-
10
Mar
-11
Jun-
11
Sep-
11
Dec-
11
Mar
-12
Jun-
123,87
million transactions
PolandCzech
Republic Slovakia
% of cards
are
contactless 32% 8% 28%
% Credit
cards 9% 1% 11%
% Debit
Cards 91% 99% 89%
% of terminals
upgraded 32% 6% 21%
Monthly
trx
per
card 0,57 0,31 0,22
Monthly
trx
per
terminal 52 28 22
For Visa Europe Internal Use Only
London 2012 –
The Olympic effect
For Visa Europe Internal Use Only 16
Maintaining momentum throughout the year to support our Olympic association
Winter 2011 Spring 2012 Summer 2012
0.00%
0.10%
0.20%
0.30%
0.40%
0.50%
0.60%
0.70%
0.80%
0.90%
Canada Australia Switzerland France UnitedStates OfAmerica
Germany Spain Poland Republic OfIreland
Slovakia
•
In just 10 weeks the number of contactless transactions in the UK has doubled
•
There were more than a million contactless transaction in the UK during the games; almost 6 times the number
of transactions in the same period in 2011
•
After the Olympic Stadium, the top usage
for contactless transactions under £20
came from vending machines
-
with over 13k transactions taking place
•
The top 100 UK contactless merchants doubled the volume
of contactless transactions over the 17 day Games period when compared to the previous 17 days
•
97.75% of contactless transactions were on UK issued cards
Olympic Acceleration
0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
400,000
450,000
500,000
7 Wee
ks B
efore
6 Wee
ks Befo
re
5 Wee
ks Befo
re
4 Wee
ks Befo
re
3 Wee
ks Befo
re
2 Wee
ks B
efore
Week
Befo
re
Openin
g Wee
kW
eek 1
Week 2
Week
Afte
r
Vol in 2011 Other Contactless Merchants Olympic Venues
Number of Contactless Transactions by Week (impact of Olympics and M&S)
Detailed data –
with breakdowns by issuer and acquirer can be found in report 3.0
Europe Visanet
Weekly Summary –
Week 33
UK and Poland - Visa payWave transactions & spend
0
100,000
200,000
300,000
400,000
500,000
600,000
700,000
800,000
900,000
1 2 3 4 5 6 7 8 9 101112131415161718192021222324252627282930313233
Week Number
Num
ber o
f Tra
nsac
tions
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
4,000,000
4,500,000
PO
S V
alue
€
UK Transactions Poland Transactions Poland POS € UK POS €
Transit Update
•
TfL
Bus Launch (known fare) scheduled for December 13th
2012
•
TfL
Phase Two (entire network, variable fare) scheduled for December 2013.
•£396m first year; rising to £2bn at full penetration
•
Transport for Greater Manchester to launch variable fare on trams in mid-2013
•
Wroclaw in Poland has 800 terminals in buses and trams, generating
•300k contactless payments per month
•
Warsaw plans to implement 1500 payment terminals in buses and trams
National Winter Promotion
2012 12th Nov 2012 –
6th Jan 2013
Bank Member Materials National Winter Promotion
2012 12th Nov 2012 –
6th Jan 2013
National Winter 2012 usage promotion: Giving consumers the chance to win attractive prizes
Objective:
Encourage card holders to use their cards at POS before Xmas and during post Xmas sales
Target audience:
All Visa cardholders in Czech Republic
Prizes:
5x 2013 CZK daily, 2x tablet iPad
weekly
Timing:
8 weeks: 12th
November 2012 –
6th
January 2013
Media: Radio, mobile, Facebook, digital OOH at: Albert HM, Tesco, Kaufland
& Interspar
BTL:
Full toolkit of marketing materials for Members – ready to order Bank Member materials now
22
V.me
Checkout User Experience
Zelená
kniha
EU o karetních, internetových
a mobilních
platbách
Pozice
ČR �Považuje
MIF za
v zásadě
legitimní
nástroj, bez
něhož
by systém
fungoval
obtížně�Pokud
MIF vyvolávají
obavy
z hlediska
hospodářské
soutěže, měly
by se
řešit
pomocí
nástrojů
soutěžního
práva
Možnosti
dalšího
vývoje�Žádná
regulace
�Zákaz
MIF �Stanovení
výše
„spravedlivého“
MIF
�Stanovení
výše
„spravedlivého“
MIF po
určité
přechodné
období
For Visa Europe Internal Use Only
Thank you!
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