electronic payments - microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · atlanta,...
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![Page 1: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/1.jpg)
© Worldpay 2014. All rights reserved.
Electronic Payments: A Disruptive Opportunity Chester Ritchie, SVP Head of Market Development & Strategy
![Page 2: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/2.jpg)
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EMV Question
2
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My Wallet: 2014
3
![Page 4: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/4.jpg)
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To Online and Mobile Payments
4
Source: BI Intelligence
Billio
ns'O
f'Dollars'
Source:(BI(Intelligence(
US'E0commerce,'M0commerce'And'Mobile'In0Store'Payments'
![Page 5: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/5.jpg)
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In-Store Mobile Payments Will Grow 42X In 4 Years
5
Source: BI Intelligence Source:(BI(Intelligence(
![Page 6: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/6.jpg)
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Data breaches have created a window of opportunity for payments investment and innovation
Source: Associated Press
![Page 7: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/7.jpg)
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The Invisible War
![Page 8: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/8.jpg)
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EMV: the U.S. is switching to more secure cards with embedded chips
Source: Left: University Of Cambridge, Right: www.chipandpin.co.uk
![Page 9: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/9.jpg)
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That means Retailers will need to upgrade their Terminals
Source: Aite Group, BI Intelligence Estimates
4%#
14%#
35%#
57%#
70%#
87%#
0%#
10%#
20%#
30%#
40%#
50%#
60%#
70%#
80%#
90%#
100%#
2012# 2013# 2014E# 2015E# 2016E# 2017E#
%"Penetra)
on"
Source:(Aite(Group,(BI(Intelligence(Es6mates(
FORECAST:"Chip"Card"Compa) ble"Terminal"Penetra) on""United(States(
We#Are#Here#
![Page 10: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/10.jpg)
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Mobile registers have already cannibalized sales of traditional ‘countertop’ systems
Source: The Nilson Report, BI Intelligence
Growth'Rates'
Source:(The(Nilson(Report,(BI(Intelligence((
Global'Payment'Terminal'Shipment'Growth'Rates*''
![Page 11: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/11.jpg)
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Sources: Left: Starbucks, Top Right: Daniel Goodman / Business Insider Bottom Right: MyCheck
Mobile: In-Store and M-Commerce
![Page 12: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/12.jpg)
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MOBILE – In Store (NFC) requires special chip on phones and registers
Source: Isis
![Page 13: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/13.jpg)
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MOBILE (mcommerce) is blurring the line between offline and online payments
![Page 14: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/14.jpg)
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Transactions are completely In-App
Source: GrubHub IPO Filing
$7#
$10#
$19#
$412#
$569#
$1,015#
$1#
$3#
$5#
$7#
$9#
$11#
$13#
$15#
$17#
$19#
$21#
$100#
$200#
$300#
$400#
$500#
$600#
$700#
$800#
$900#
$1,000#
$1,100#
2011# 2012# 2013#
Payment(Processing(Costs(In(M
illions(
Gross(Food(Sales(In(M
illions(
Source:(GrubHub(IPO(Filing(
GrubHub(Gross(Food(Sales(And(Payment(Processing(Costs(
Payment#processing#costs# Gross#Food#Sales#
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New services bringing these in-App payments to sit-down bars/restaurants
Cover
WillCall
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What’s next for the U.S.?
Source: Left-to-right/top-to-bottom: Coin; Google; REUTERS/Andy Clark; Estimote; LevelUp; REUTERS/Bobby Yip; Starbucks; CaixaBank; Samsung
,
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Number 1: Card Present = EMV & NFC
![Page 18: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/18.jpg)
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Number 2: POS is the new credit card terminal
![Page 19: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/19.jpg)
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Number 3. Mobile
![Page 20: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/20.jpg)
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Payments Evolved
![Page 21: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/21.jpg)
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Thank You!
![Page 22: Electronic Payments - Microsoftvertassets.blob.core.windows.net/download/b5bb7303/... · Atlanta, GA 30350 22 . Title: Slide 1 Author: Susan Created Date: 10/15/2014 10:29:10 AM](https://reader033.vdocument.in/reader033/viewer/2022050422/5f9196d6c9078e4fd51ce4e9/html5/thumbnails/22.jpg)
© Worldpay 2014. All rights reserved.
Any questions? Contact Chester Ritchie [email protected] www.worldpay.com
Worldpay 600 Morgan Falls Atlanta, GA 30350
22