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1 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. Visa’s Future of Payments Update on recent activities May 2012 1

Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

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Page 1: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

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.

Visa’s Future of Payments Update on recent activities

May 2012

1

Page 2: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

McDonalds hits 1m contactless transactions in first 6 months of acceptanceNovember 2011

Visa Personal Payments & Visa Alerts launchOctober 2011

Handset certificationJanuary 2012

London buses

April 2012

Samsung Olympic NFC PhoneApril 2012

Digital wallet service launch

Monitise strategic investmentOctober 2011

A series of phased releases is delivering these products into the market today…

Page 3: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

2012 will be a key year and Visa is well positioned

Emergence of Large Commercial

Rollouts

Rapid Contactless Adoption

2012 Olympics - Showcase

Significant Availability of NFC Handsets

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

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

Further Product Developments

Further launches/developments of Visa Alerts and Visa Personal Payments

Commercial availability of Mobile Contactless payments

Page 4: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Visa & Vodafone Strategic Alliance announcement

Page 5: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

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.

Page 6: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Visa Certified Handsets

Visa Certified Smartphones for Use as Visa Mobile Payment Devices

– LG Optimus NET NFC

– BlackBerry Bold 9900 – BlackBerry Bold 9790

– BlackBerry Curve 9360 – BlackBerry Curve 9380

– Samsung Galaxy SII

Page 7: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Visa payWave

Page 8: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Passcode is the winning CVM for mobile

Online PIN

applicable only for contactless higher-value paymentsPasscode

same Passcode for many use cases

P2P

Card details

DPA

Top-upBalance enquiry

Loyalty

m- commerce

Automatic/Manual modes are supported

For HVP in manual mode customers need to insert passcode

first and online PIN later

Security settings

Markets with online PIN implementation for mobile cards (Spain, Turkey)

Passcode supported on all HVP POS terminals in Europe

Market with only offline POS terminals (e.g. UK, France, Ireland, Finland)

Dynamic CVV2

Alerts

Inconsistent and confusing authentication experience for customers with online PIN implementation

Customer experience is chaotic

All customers are required to verify themselves with Passcode

Page 9: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Passcode is the most implemented CVM for Visa mobile cards

IcelandIceland

UKUK

IrelandIreland

GermanyGermany

FinlandFinland

SwedenSweden

FranceFrance

AustriaAustria

PolandPoland

Hungary

LithuaniaLithuania

EstoniaEstonia

LatviaLatvia

ItalyItalySpainSpain

PortugalPortugal

TurkeyTurkeyGreeceGreece

RomaniaRomania

LuxembourgLuxembourg

NetherlandsNetherlandsBelgium

BulgariaBulgaria

Cyprus

Israel

Slovenia

Denmark

NorwayNorway

SlovakiaSlovakiaCzech RepCzech Rep

SwitzerlandSwitzerland

Implementation with online PIN + passcode as CVM

Implementation with only passcode as CVM

Page 10: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

Visa: A Global Leader in Mobile Payments

Page 11: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

11For 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.

Visa payWave for Mobile Case Studies

Page 12: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

A project by:A project by:

Collaborating:Collaborating:

1,500 customers1,500 customers 500 retailers500 retailers May to November 2010May to November 2010

“la Caixa” Visa cards in Sitges

Bank: La CaixaBank: La Caixa MNO: TelefonicaMNO: Telefonica SE: SIM CentricSE: SIM Centric

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

Page 13: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

A project by:A project by:

1,000 customers1,000 customers 61K retailers61K retailers Launched

April 2011Launched

April 2011

Yapı

Kredi Visa cards on iPhones

Bank: Yapı

KrediBank: Yapı

Kredi MNO: TurkcellMNO: Turkcell SE: icarteSE: icarte

Page 14: Visa’s Future of Payments Update on recent activities · Italy. Italy Spain. Spain Portugal. Portugal Turkey. Turkey Greece. Greece Romania. Romania Luxembourg. Luxembourg Belgium

A project by:A project by:

500 customers500 customers 61K retailers61K retailers Launched

Jan

2011Launched

Jan

2011

Akbank Visa cards on micro-SDs

Bank: AkbankBank: Akbank MNO: ‐MNO: ‐ SE: micro‐SDSE: micro‐SD