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HP Cards & Payments ASIA 2012
 

HP Cards & Payments ASIA 2012

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Prepaid Cards in Asia Pacific

Prepaid Cards in Asia Pacific

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    HP Cards & Payments ASIA 2012 HP Cards & Payments ASIA 2012 Presentation Transcript

    • CARDS & PAYMENTS ASIA 2012PREPAID CARDS IN ASIA PACIFICEd HermanSenior Director, Global Cards & Payments ©2012 Hewlett-Packard Development Company, L.P. The information contained herein is subject to change without notice1 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Most of the recent payment innovation has direct Augmented relevance to prepaid Reality Social Media Cloud Prepaid Payments NFC Phone Cards Branded Contactless Mobile Paper Money General Wallets Shells P2P Purpose e-purse Gift Cards and Remittance Charge Cards 3-D Beads Secure Digital 1990 2000 Wallets 600 BC 600 AD 1700 1900 1950 1980 QR Codes Debit Cards Virtual Coins Checks / Consumer Payments M-POS Bartering Bank Drafts Charge Multi-application Card Government ID M-Banking Multi-bank M-commerce Networks M-Coupons2 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • 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 Over the next 5 years, the greatest growth is expected to be experienced by contactless, mobile and prepaid products. Edgar, Dunn & Company3 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Phone CardsClosed Loop:• Phone Cards („76) Gift Cards• Gift Cards („94)• Transit e-Purse („97)• University Meal Cards• Low Value P2P TransitBranded / Reloadable (GPR) Low Value P2PMulti-Use Cards• ID, Access, Prepaid• University ID + Branded Prepaid• Transit (MiFare) + Visa/MasterCard University Meal Cards Multi-Application/Multi-Purpose Cards General Purpose Reloadable (GPR) Malaysian MyKad TaiwanMoney Card4 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • HONG KONG OCTOPUS MALAYSIAN MYKAD• Launched in September 1997 • Introduced on 5 September 2001.• Mass transit plus retailers, on-street parking • The first country to use an ID card that incorporates meters, car parks, and other POS applications both photo ID and fingerprint biometric data on an such as service stations and vending machines. in-built computer chip embedded in a piece of plastic.• Used as access control cards in buildings and for school administrative functions. At certain Functions available in MyKad are: office buildings, residential buildings, and • Identity card, including fingerprints and photo schools, the card is required for entry • Driving license information• >25% of transactions were non-transit related. • Storage for health information • e-cash• > 20 million cards in circulation; 95% of the • ATM integration population of Hong Kong aged 16 to 65 • Toll road tolling system and also public transport• >1 million daily transactions 1 payment system • Digital certificate (PKI)5 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Emerging as a preferred payment channel for travellers • 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.6 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Creating the indispensable card for consumer Business / Retail Financial • Loyalty & Rewards Academic • Payments Services • Building Access • Merchant Offer Database • Credit Card • T&E • Shopper Profiles • Debit Card • Vending/Cafeteria • Prepaid • Virtual Security • Multi-currency • Payroll • Financial Management • Identification • Merchant Offer Database VIP Health Customer ¥ Care • Insurance Card • Eligibility • Authentication • Medical Records Both Physical and virtual via Mobile Wallets Transportation • Automated Fare Collection • Travel Card • Multiple Currencies • Destination Deals – city nights, link origination city • Airport Services – Customer Satisfaction7 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    •  Expansion of Market Segment  Integrating Marketing and Commercial Prepaid Social Media Mobile Apps  Evolution of Mobility  New Technologies Crowd Sourcing Mobile Wallets Cloud Payments Mobile Payments Augmented Reality QR Codes8 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • What will be the next major life style change? • Simple, easy to use. • Globally available • Enriches customer • Free to user experience • Value to all participants • Device agnosticPoint your Mobile to the billboard9 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • What will be the next major life style change? • Simple, easy to use. • Globally available • Enriches customer • Free to user experience • Value to all participants • Device agnostic The APP recognizes the image and starts a predefined routine10 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Click the “Buy” button and your order is placed using the default details from your cloud based wallet The APP recognizes the image and starts a predefined routine1 © Copyright 2012 Hewlett-Packard Development Company, L.P. 1
    • Click the “Buy” button and your order is placed using the default details from your cloud based wallet12 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • Current Example from www.aurasma.com View Ting Tings album at www.aurasma.com/news/2012/02/24-enginecreative13 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • 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 13.3 billion >100 PB 2.4 billion 3.1 million credit card online data in healthcare viruses transactions 60 countries transactions detected We process over 13.3 billion We manage more than 100 We perform 2.4 billion We detect and quarantine credit card transactions PB of online data in 60 healthcare transactions more than 3.1 million viruses annually in countries across countries annually annually the world14 © Copyright 2012 Hewlett-Packard Development Company, L.P.
    • THANK YOU© Copyright 2012 Hewlett-Packard Development Company, L.P. L.P.15 © Copyright 2012 Hewlett-Packard Development Company,