HP Cards & Payments ASIA 2012

© Copyright 2012 Hewlett-Packard Development Company, L.P. 1

©2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice ©2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice

PREPAID CARDS IN ASIA PACIFIC

Ed Herman

Senior Director, Global Cards & Payments

CARDS & PAYMENTS ASIA 2012


Bartering

Shells

and

Beads

Coins

Paper Money

Checks /

Bank Drafts

General

Purpose

Charge Cards

600 BC 600 AD 1700

e-purse Gift Cards

Debit Cards Virtual

Payments

M-commerce

M-Coupons

M-Banking

Mobile

Wallets

M-POS

NFC

QR Codes

Social Media

Digital

Wallets

P2P

Remittance

Consumer

Charge

Card

1950 1990 2000 1980 1900

3-D

Secure

Branded Contactless

Augmented

Reality

Cloud

Payments

Multi-bank

Networks

Prepaid

Phone Cards

Multi-application

Government ID

Most of the recent payment innovation has direct relevance to prepaid


Over the next 5 years, the greatest growth is expected to be experienced by

contactless, mobile and prepaid products.

Edgar, Dunn & Company

Prepaid/gift cards plus alternative payments (e.g., PayPal, Google, Amazon)

are taking market share from credit & debit cards.

Bernstein Research

Prepaid credit card use is predicted to more than triple between 2009 and

2017, growing from $120.2 billion to more than $440 billion.

Boston Consulting Group

Prepaid/gift cards plus alternative payments (e.g., PayPal, Google, Amazon)

are taking market share from credit & debit cards.

Bernstein Research

Prepaid credit card use is predicted to more than triple between 2009 and

2017, growing from $120.2 billion to more than $440 billion.

Boston Consulting Group


Closed Loop: • Phone Cards („76) • Gift Cards („94) • Transit e-Purse („97) • University Meal Cards • Low Value P2P

Branded / Reloadable (GPR)

Multi-Use Cards • ID, Access, Prepaid • University ID + Branded Prepaid • Transit (MiFare) + Visa/MasterCard

Phone Cards

Gift Cards

Transit

University Meal Cards

Multi-Application/Multi-Purpose Cards

TaiwanMoney Card Malaysian MyKad

Low Value P2P

General Purpose Reloadable (GPR)


• Introduced on 5 September 2001.

• The first country to use an ID card that incorporates

both photo ID and fingerprint biometric data on an

in-built computer chip embedded in a piece of

plastic.

Functions available in MyKad are:

• Identity card, including fingerprints and photo

• Driving license information

• Storage for health information

• e-cash

• ATM integration

• Toll road tolling system and also public transport

payment system

• Digital certificate (PKI)

MALAYSIAN MYKAD

• Launched in September 1997

• Mass transit plus retailers, on-street parking meters, car parks, and other POS applications such as service stations and vending machines.

• Used as access control cards in buildings and for school administrative functions. At certain office buildings, residential buildings, and schools, the card is required for entry

• >25% of transactions were non-transit related.

• > 20 million cards in circulation; 95% of the population of Hong Kong aged 16 to 65

• >11 million daily transactions

HONG KONG OCTOPUS


¥

• Multiple currencies.

• Separate balances for each currency.

• Ability to exchange between currencies.

• Transact in local currency.

• Dynamic exchange to fund purchases when insufficient local currency.

• Dynamic exchange from multiple currencies simultaneously.

Emerging as a preferred payment channel for travellers


Business /

Academic • Building Access

• T&E

• Vending/Cafeteria

• Virtual Security

• Payroll

• Identification

Financial

Services • Credit Card

• Debit Card

• Prepaid

• Multi-currency

• Financial Management

• Merchant Offer Database

Retail • Loyalty & Rewards

• Payments

• Merchant Offer Database

• Shopper Profiles

Transportation • Automated Fare Collection

• Travel Card

• Multiple Currencies

• Destination Deals – city nights, link origination city

• Airport Services – Customer Satisfaction

Health

Care • Insurance Card

• Eligibility

• Authentication

• Medical Records

VIP Customer ¥

Both Physical and virtual via Mobile

Wallets

Creating the indispensable card for consumer


Cloud Payments

QR Codes

Mobile Apps

Crowd Sourcing

Mobile Wallets

Mobile Payments

Expansion of Market Segment

Integrating Marketing and Social Media

Evolution of Mobility

New Technologies

Commercial Prepaid

Augmented Reality


• Simple, easy to use. • Enriches customer

experience • Device agnostic

• Globally available • Free to user • Value to all participants

What will be the next major life style change?

Point your Mobile to the billboard


• Simple, easy to use. • Enriches customer

experience • Device agnostic

• Globally available • Free to user • Value to all participants

What will be the next major life style change?

The APP recognizes the image and starts a predefined routine


The APP recognizes the image and starts a predefined routine

Click the “Buy” button and your order is placed using the default details from your cloud based wallet


Click the “Buy” button and your order is placed using the default details from your cloud based wallet


View Ting Tings album at www.aurasma.com/news/2012/02/24-enginecreative

Current Example from www.aurasma.com

http://www.aurasma.com/news/2012/02/24-enginecreative



http://www.aurasma.com/


What is YOUR advantage?

HP solutions make life easer in ways you’ve probably never considered

HP supports more than 5.6 million desktops, 2+ million smart phones, and 15 million IP addresses

We perform 2.4 billion healthcare transactions annually

We detect and quarantine more than 3.1 million viruses annually

We manage more than 100 PB of online data in 60 countries

We process over 13.3 billion credit card transactions annually in countries across the world

13.3 billion credit card

transactions

>100 PB online data in

60 countries

2.4 billion healthcare

transactions

3.1 million viruses

detected

© Copyright 2012 Hewlett-Packard Development Company, L.P. 15 © Copyright 2012 Hewlett-Packard Development Company, L.P.

THANK YOU

Technology

HP Cards & Payments ASIA 2012