digital as the key to embrace unlimited global opportunities

DIGITALThe key to limitless global opportunities

Charles Cassar Head of Legal 

DIGITAL

…influences our industry

DIGITAL

…holdsthe key

to unlimited

global opportunities

The prizecontinues to grow

Net revenue - $2.4 billion, a

14% increase

An increase in processed

transactions of 14%, to

12.6 billion

A 13% increase in gross dollar

volume, on a local currency

basis, to $1.1 trillion

MasterCard – 1Q FY16 (comparison with same period 2015, source MasterCard Inc)

Visa Inc – 3Q FY16 (comparison with same period 2015, source Visa Inc)

Net revenue - $3.6 billion, a 6% increase

An increase in processed

transactions of 10%, to 19.8

billion

A 10% increase in gross dollar

volume, on a gross dollar

basis, to $1.3 trillion

Fintech startups hit 4,000 globally in 2015

Source: The Paypers

Total estimated venture capital investment rising

from about USD 2.4 billion in 2011 to more than USD

19 billion in 2015

Payment Institutions Processors

AcquirersBanks

IssuersCard Scheme

Consumers Merchants

The Digital Payments Ecosystem

Driving our industry forward,

potentially…

Digital Co-opetition

China UnionPay (CUP) and Visa Inc. signed a Memorandum of

Understanding (MOU) … with both parties agreeing to collaborate on payments security, innovation and

financial inclusion.

“Visa is delighted to be working together on

innovation as digital payments transform

commerce, resulting in safer, faster and more convenient

ways for consumers to pay…. The global payments industry

will benefit from these efforts.”

Charlie Scharf, CEO of Visa Inc.

Digital Perspectives

GeographicCustomer

Experience TechnologyEcommerce influenced

consumer and merchant

Greater expectations whilst pressure to

reduce costs

In-house, outsourced or combination

Digital Perspectives

OpportunitiesNew marketsAccelerated growthM&A

ChallengesCompliance / RegulatoryKYC / fraud preventionFinance / taxation

GeographicEcommerce influenced

consumer and merchant

Digital Perspectives

GeographicEcommerce influenced

consumer and merchant

OpportunitiesConsistency across channelsEngage, support 24/7Dynamically optimized customer journey

ChallengesImmediacy expectationSocial mediaEliminating friction

Customer Experience

Greater expectations whilst pressure to

reduce costs

Digital Perspectives

OpportunitiesInternet of things (IoT)Mobile commerceElectronic ID verification and biometrics

ChallengesLegacy architectureDisparate systemsControl, visibility and confidence in development

Customer Experience

Greater expectations whilst pressure to

reduce costs

TechnologyIn-house, outsourced

or combination

To summarise

Digital fueling industry growth

Geographic

Customer Experienc

e

Technology

Driving industry forward

Creating opportunities and

challenges

DIGITAL is the key to

unlimited global opportunities

DIGITALThe key to limitless global opportunities

Charles Cassar Head of Legal 

charles.cassar@credorax.com