Sh*ft Happens: Key Innovation Drivers in Consumer Payments

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Sh*ft Happens

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INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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Waah! Waah! Waah!


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Sh*ft!INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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5 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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Sh*ftHappens


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“The most important financial innovation that I have seen in the past 20 years is the automatic teller machine…”

PaulVOLCKER


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“The most important financial innovation that I have seen in the past 20 years is the automatic teller machinethat really helps people and prevents visits to the bank and it is a real convenience.”

A radical and pervasive change in society and the social structure, especially one made suddenly.



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"Hmm, @fredwilson thinks that financials services disruption is the next huge market to be taken.” @jhersco


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1Sh*ftStorm


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Sh*ft just got real…


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10%of all the deposits “are now done through mobile devices as people carry a branch in their pocket.”


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BrianMOYNIHANBank of America

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2012 2017

$12.8 billion

48%CAGR

$90 billion


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“When I go to Silicon Valley…they all want to

eat our lunch. Every single one of them is going

to try.”

JamieDIMONJPMC ChairmanINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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Digital Wallets


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http://imgur.com/9VtADyb


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11%Of Americans have

tried mobile walletsForrester Research

91%Of mobile phones are

within hands reach 100% of the time

IBM

2%Of all transaction are conducted on mobile

Forrester Research


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"Digital wallets, at this point in time, are solutions looking for problems.”Sucharita

MULPURUForrester


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‘‘The digital wallet is the linchpin for everything we do, but it’s interesting, because consumers aren’t asking for them.’’EvenHILL FERGUSONPayPal, Chief Product Officer


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2Fullof Sh*ft


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3333

“Connecting products to the web will be the 21st century electrification.”Matt

WEBBCEO of Berg Cloud


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3434

Wearables 2014: Think EVOLUTION NOT REVOLUTION


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“Google Glass is so futuristic it’s like wearing a Segway on your face.”

MattNOVAK


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“The SMART Home’s Trojan Horse.”

Gizmodo

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"The blend of physical/digital isn't Oculus Rift - it's people using devices in-store while they consider products.”

DonaldCHESTNUT


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BeaconsThe gateway drug for the Internet of

Everything


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) ) ) ) ) )

) ) ) ) ) )

) ) ) ) ) )) ) ) ) ) )

) ) ) )

) )

) ) ) ) ) )


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3Sh*fthits the fan


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70million

$100million

40million

46%$200

million


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#ShIftHappens


@sammaule

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#ShIftHappens


@sammaule

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143,211

mobile20x 2012-

2013122 per week$11.6 million

Poneman 2013 “Cost of Cyber Crime Study”


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Biometrics


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1 Mobile2 IoT3 Security


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?INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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$43.7

billion >+

+INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

@sammaule

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#ShIftHappens

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>$26

billion

$20 billion


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#ShIftHappens

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>$7.6

billion $8.9 billion


@sammaule

@InspiredByCG

#ShIftHappens

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>$4.5

billion $4.4

billion


@sammaule

@InspiredByCG

#ShIftHappens

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$150.6billion


@sammaule

@InspiredByCG

#ShIftHappens

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?1 Mobile2 IoT3 Security


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Worth a Sh*ft

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Know your Sh*ft


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Sh*ft Happens


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Sh*ft Happened


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“Even if you are on the right track you will still get run over if you don’t keep moving.”

WillRodgers


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Q AINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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Presentations & Public Speaking

Sh*ft Happens: Key Innovation Drivers in Consumer Payments