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A Visa Solution
Future of Commerce2017
Chris HughesHead of Digital Acceptance Asia Pacific
hhughesvisacom ch_quick
A Visa Solution
A Visa Solution
Case studies statistics research and recommendations are provided AS IS and intended forinformational purposes only and should not be relied upon for operational marketing legaltechnical tax financial or other advice You should consult with your legal counsel to determinewhat laws and regulations may apply to your circumstances The actual costs savings and benefitsof any recommendations or programs may vary based upon your specific business needs andprogram requirements By their nature recommendations are not guarantees of futureperformance or results and are subject to risks uncertainties and assumptions that are difficult topredict or quantify Visa is not responsible for your use of the information contained herein(including errors omissions inaccuracy or non-timeliness of any kind) or any assumptions orconclusions you might draw from its use Visa makes no warranty express or implied and explicitlydisclaims the warranties of merchantability and fitness for a particular purpose any warranty ofnon-infringement of any third partys intellectual property rights To the extent permitted byapplicable law Visa shall not be liable to a client or any third party for any damages under anytheory of law including without limitation any special consequential incidental or punitivedamages nor any damages for loss of business profits business interruption loss of businessinformation or other monetary loss even if advised of the possibility of such damages
Disclaimer
A Visa Solution
Two key drivers of changeTechnology and people
A Visa SolutionA Visa Solution
Fourth Industrial Revolution is creating breakthroughs
Businesses need to adapt
ride thedisruption
and evolvetheir foundational technologies to succeed
Digital
A Visa Solution
A Visa SolutionA Visa Solution
Sharing economy is not just a fad
Sharing economy will grow from $15B to $335B by 2025 sup1
78 of consumers are willing to share or rent their personal resourcessup2
20-50bnBy 2020sup3
201664bn
connectedobjects
sup1PWC The Sharing Economy 2015sup2Nielsen consumer survey 2014sup3 httpwwwintelcomcontentwwwuseninternet-of-thingsinfographicsguide-to-iothtml
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
Case studies statistics research and recommendations are provided AS IS and intended forinformational purposes only and should not be relied upon for operational marketing legaltechnical tax financial or other advice You should consult with your legal counsel to determinewhat laws and regulations may apply to your circumstances The actual costs savings and benefitsof any recommendations or programs may vary based upon your specific business needs andprogram requirements By their nature recommendations are not guarantees of futureperformance or results and are subject to risks uncertainties and assumptions that are difficult topredict or quantify Visa is not responsible for your use of the information contained herein(including errors omissions inaccuracy or non-timeliness of any kind) or any assumptions orconclusions you might draw from its use Visa makes no warranty express or implied and explicitlydisclaims the warranties of merchantability and fitness for a particular purpose any warranty ofnon-infringement of any third partys intellectual property rights To the extent permitted byapplicable law Visa shall not be liable to a client or any third party for any damages under anytheory of law including without limitation any special consequential incidental or punitivedamages nor any damages for loss of business profits business interruption loss of businessinformation or other monetary loss even if advised of the possibility of such damages
Disclaimer
A Visa Solution
Two key drivers of changeTechnology and people
A Visa SolutionA Visa Solution
Fourth Industrial Revolution is creating breakthroughs
Businesses need to adapt
ride thedisruption
and evolvetheir foundational technologies to succeed
Digital
A Visa Solution
A Visa SolutionA Visa Solution
Sharing economy is not just a fad
Sharing economy will grow from $15B to $335B by 2025 sup1
78 of consumers are willing to share or rent their personal resourcessup2
20-50bnBy 2020sup3
201664bn
connectedobjects
sup1PWC The Sharing Economy 2015sup2Nielsen consumer survey 2014sup3 httpwwwintelcomcontentwwwuseninternet-of-thingsinfographicsguide-to-iothtml
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
Two key drivers of changeTechnology and people
A Visa SolutionA Visa Solution
Fourth Industrial Revolution is creating breakthroughs
Businesses need to adapt
ride thedisruption
and evolvetheir foundational technologies to succeed
Digital
A Visa Solution
A Visa SolutionA Visa Solution
Sharing economy is not just a fad
Sharing economy will grow from $15B to $335B by 2025 sup1
78 of consumers are willing to share or rent their personal resourcessup2
20-50bnBy 2020sup3
201664bn
connectedobjects
sup1PWC The Sharing Economy 2015sup2Nielsen consumer survey 2014sup3 httpwwwintelcomcontentwwwuseninternet-of-thingsinfographicsguide-to-iothtml
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Fourth Industrial Revolution is creating breakthroughs
Businesses need to adapt
ride thedisruption
and evolvetheir foundational technologies to succeed
Digital
A Visa Solution
A Visa SolutionA Visa Solution
Sharing economy is not just a fad
Sharing economy will grow from $15B to $335B by 2025 sup1
78 of consumers are willing to share or rent their personal resourcessup2
20-50bnBy 2020sup3
201664bn
connectedobjects
sup1PWC The Sharing Economy 2015sup2Nielsen consumer survey 2014sup3 httpwwwintelcomcontentwwwuseninternet-of-thingsinfographicsguide-to-iothtml
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Sharing economy is not just a fad
Sharing economy will grow from $15B to $335B by 2025 sup1
78 of consumers are willing to share or rent their personal resourcessup2
20-50bnBy 2020sup3
201664bn
connectedobjects
sup1PWC The Sharing Economy 2015sup2Nielsen consumer survey 2014sup3 httpwwwintelcomcontentwwwuseninternet-of-thingsinfographicsguide-to-iothtml
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Merchants want to ldquofollow the moneyrdquo -Digital is driving global spending growthBy 2020hellip
Sources 1 eMarketer httptotalaccessemarketercomReportsVieweraspxR=2001849ampdsNav=Ntkrelevance7cglobal+retail+sales7c17cRo10NrNOT(Type3aComparative+Estimate)2 Juniper httpkcenterDocumentsSubscriptionsJuniperMobile-and-Online-Purchases-2015-2020-Market-Forecastspdf3eMarketer March 2017 httptotalaccessemarketercomreportsvieweraspxr=20019864 yStats
$22T eComm (excl mobile)1
169annual growth
2015-2020
$18TMobile2
172annual growth
2015-2020
$24T Face-to-Face
Point-of-Sale (POS)1
35annual growth
2015-2020
Cross-border
5061
75
51
25
USA UK Australia Singapore China India
of online shoppers who have made a cross border eCommerce purchase3
Global cross border B2C eCommerce volume4 ($B)
530676
826994
2017F 2018F 2019F 2020F
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Generation ldquoI want what I want when I want itrdquo
Millennials have a combined spending power of $25 trillion and by 2025 they will make up 75 of the global workforcesup1
Now anyone with a mobile phone can be a merchant as well as a consumer
sup1Kantar Gllobal Millennial Study 2017 A Visa Solution
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
Millennials are receptive of and desire personalisation and customisation
60 of millennials are comfortable with providing their information to retailers vs 47 of overall consumers
61 of millennials want tailored promotions sent to them
Source httpsnewsroomaccenturecomnewsretailers-and-consumer-packaged-goods-companies-must-enhance-their-understanding-of-millennial-consumers-to-capture-share-of-6trillion-wallet-in-asia-accenture-warnshtm
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Who then do we target
the individualized needs of consumers
toMoving from the mass-produced
A Visa Solution
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
How payments are changing
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Payments landscape in 2017
Electronic payments surpassed cash payments globally in 2016
Mobile and eCommerceare commodities
The world has shifted to adigital-first mindset
A Visa Solution
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Face-to-face
Online
Click and collect
Hybrid
Payments is no longer about the digital world or the physical world
Rise of ecommerce experiences in a face-to-face environment
Increasing need for consistent payment experiences across channels
Blurring types of commerce
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Payment Complexity is Increasing
Consumer Channel
1995 2000 2005 2010 2017
Internet Ecommerce Wider Digital EconomyCloud Mobile
Payment Types
Payment Initiation
+ Buy it
Pin it++ Unified
ACH
BANK TRANSFERS
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
The new meaning of lsquowalletrsquo
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Payments go invisible
A Visa Solution
Payments are smarter because we are making them more context-aware
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
What does this meanfor you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
The common theme Removing friction
Integrate payments seamlessly into the customer journey
Be where your customers are enable commerce in the moment
Enable the ability to store credentials
A Visa Solution
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
An multichannel strategy fuels growth
With every additional channel they used the more they spent
Customers who used 4+ channels spent 9 more in the store on average
Multichannel consumers spent an average of 4 more in the store and 10 more online
than single-channel customers
4 more
10more
Source Harvard Business Review survey 2015-2016 A Visa Solution
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Consumer expectations disconnected from merchant realities ndashchannel siloes drive complexity
Security
Merchantaccount
Connectivity
Data
KioskCall
center mPOSPOS Web Mobile
Customerdata
Merchant reality Integrated commerce
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
Reach new marketshellip
On-demand localisedpaymenttax reach
Risk analystson 5 continents
Safehellip With ConfidenceFasthellipGlobal Visainfrastructure expertise
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Voice and Chatbots arepopping up everywhere
WeChat FacebookMessenger
order a taxi with Uber
update travel schedule
play music
retrieve video
order food
Encountered commerceBe where your customers are
Note All brand names and logos are the property of their respective owners are used for identification purposes only and do not imply product endorsement or affiliation with Visa or CyberSource
Google Home
Alexa from Amazon
A Visa Solution
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa SolutionA Visa Solution
Payment Management PlatformGrow Sales | Mitigate Risk | Operate with Greater Agility
A Visa Solution
Thank you
A Visa Solution
Thank you
