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Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
Shift Happens: Key Innovation Drivers in Consumer Payments
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Shift Happens: Key Innovation Drivers in Consumer Payments

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In this webinar we will be talking to Sam Maule, Consulting Manager at Carlisle & Gallagher Consulting Group, to identify and discuss the issues that are influencing a change in consumer attitudes to …

In this webinar we will be talking to Sam Maule, Consulting Manager at Carlisle & Gallagher Consulting Group, to identify and discuss the issues that are influencing a change in consumer attitudes to and adoption of payment channels. We’ll also be taking a look at the drivers behind innovation in payments and how both traditional and non-traditional payment ecosystem players are responding.

Sam Maule serves as a Consulting Manager at Carlisle & Gallagher Consulting Group. He joined the firm in June 2011 focusing on the Cards & Payments Community of Practice. In this role, Sam provides industry subject matter knowledge and experience to CG's Financial Services clients in support of projects such as Consumer and Commercial Card portfolio management, emerging payments, Loyalty & Prepaid, and online/mobile banking.

Prior to joining CG, Sam held management positions with TSYS in a number of Consumer and Commercial Card areas, including digital card management, mobile, loyalty & prepaid, and consultative services. Sam is an active voice in the FinTech Social Media space, and his contributions led to his recognition as one of Bank Innovation's 2013 Banking Innovators To Watch.

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  • 1. 1 INSPIRED TO HELP YOU SUCCEED www.carlisleandgallagher.com Sh*ft Happens @sammaule @InspiredByCG #ShIftHappens
  • 2. 2 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 3. 3 Waah! Waah! Waah! INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 4. 4 Sh*ft! INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 5. 5 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 6. 6 Sh*ft Happens INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 7. 7 “The most important financial innovation that I have seen in the past 20 years is the automatic teller machine…” Paul VOLCKER INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens “The most important financial innovation that I have seen in the past 20 years is the automatic teller machine that really helps people and prevents visits to the bank and it is a real convenience.” A radical and pervasive change in society and the social structure, especially one made suddenly. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
  • 8. 8 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 9. 9 "Hmm, @fredwilson thinks that financials services disruption is the next huge market to be taken.” @jhersco INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 10. 10 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 11. 11 Sh*ft Storm INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 12. 12 Sh*ft just got real… INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 13. 13 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 14. 14 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 15. 15 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 16. 16 10% of all the deposits “are now done through mobile devices as people carry a branch in their pocket.” INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens Brian MOYNIHAN Bank of America
  • 17. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.17 2012 2017 $12.8 billion 48% CAGR $90 billion INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 18. 18 “When I go to Silicon Valley…they all want to eat our lunch. Every single one of them is going to try.” Jamie DIMON JPMC Chairman INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 19. 19 Digital Wallets INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 20. 20 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 21. 21 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 22. 22 11%Of Americans have tried mobile wallets Forrester Research 91% Of mobile phones are within hands reach 100% of the time IBM 2%Of all transaction are conducted on mobile Forrester Research INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 23. 23 "Digital wallets, at this point in time, are solutions looking for problems.” Sucharita MULPURU Forrester INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 24. 24 ‘‘The digital wallet is the linchpin for everything we do, but it’s interesting, because consumers aren’t asking for them.’’ Even HILL FERGUSON PayPal, Chief Product Officer INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 25. 25 25INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 26. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.26 @sammaule @InspiredByCG #ShIftHappens
  • 27. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.27 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 28. 28 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 29. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.29 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 30. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.30 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 31. 31 Full of Sh*ft INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 32. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.32 @sammaule @InspiredByCG #ShIftHappens
  • 33. 33 33 “Connecting products to the web will be the 21st century electrification.” Matt WEBB CEO of Berg Cloud INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 34. 34 34 Wearables 2014: Think EVOLUTION NOT REVOLUTION INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 35. 35 35 “Google Glass is so futuristic it’s like wearing a Segway on your face.” Matt NOVAK INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 36. 36 36INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens “The SMART Home’s Trojan Horse.” Gizmodo
  • 37. 37 37 "The blend of physical/digital isn't Oculus Rift - it's people using devices in-store while they consider products.” Donald CHESTNUT INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 38. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.38 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 39. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.39 Beacons The gateway drug for the Internet of Everything INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 40. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.40 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens )))))) ) ) ) ) ) )
  • 41. 41 41INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 42. 42 Sh*ft hits the fan INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 43. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.43 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 44. 44 44 70 million $100 million 40 million 46% $200 million INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 45. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.45 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 46. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.46 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 47. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.47 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 48. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.48 143,211 mobile 20x 2012-2013 122 per week $11.6 million Poneman 2013 “Cost of Cyber Crime Study” INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 49. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.49 Biometrics INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 50. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.50 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 51. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.51 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 52. 1 Mobile 2 IoT 3 Security INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.52 @sammaule @InspiredByCG #ShIftHappens
  • 53. 53 ? INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 54. 54 $43.7 billion > + + INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 55. 55 > $26 billion $20 billion INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 56. 56 > $7.6 billion $8.9 billion INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 57. 57 > $4.5 billion $4.4 billion INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 58. 58 $150.6 billion INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 59. 59 ? INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 60. 60 ? 1 Mobile 2 IoT 3 Security INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 61. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.61 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens Worth a Sh*ft
  • 62. 62 Know your Sh*ft INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 63. 63 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 64. 64 Sh*ft Happens INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 65. 65 Sh*ft Happened INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens
  • 66. “Even if you are on the right track you will still get run over if you don’t keep moving.” Will Rodgers INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.66 @sammaule @InspiredByCG #ShIftHappens
  • 67. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.67 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. @sammaule @InspiredByCG #ShIftHappens

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