This document discusses the growing mobile wallet generation and opportunities in mobile payments. It notes that the number of mobile payment users is expected to reach 212.2 million in 2012, up from 160.5 million in 2011. While novel mobile payment options exist, challenges to adoption include the need for new technology, merchant point-of-sale changes, and consumer phones with NFC. However, a new generation of mobile wallet users values convenience, trust and an open user experience across both physical and online commerce. Partnerships between technology, brands and social networks can help drive education and adoption of mobile payments going forward.

1. Bridging the Gap Between the Physical and Digital
Worlds: Growing the Mobile Wallet Generation
JOANNA LAMBERT, SVP,
STRATEGY & BUSINESS INNOVATION, AMERICAN EXPRESS
OCTOBER 22, 2012

2. The Mobile Payments
Landscape Today –
Opportunity and
Value Proposition

3. The number of mobile payment
users will reach:
212.2 million
in 2012
up from
160.5 million
in 2011

4. OFFLINE DIGITAL WALLET ONLINE

5. Challenges to Adoption

6. Value
Novelty
mobile
payment
options

7. NFC Challenges:
• Requires technology
investments
• Takes time
• Requires merchant
POS changes
• Consumers need
NFC-enabled phones
Only have adopted
2% this technology
worldwide

8. The Mobile Wallet
Generation – Adoption
and the Future

9. Trust
Open and Flexible Consumer Experience
Value

10. The Serve platform was built to enable a range of payment and
commerce applications for consumers and merchants
T O D AY TH E FU TU RE
MONEY SHOPPING
PAYMENTS DEALS LOYALTY
MANAGEMENT REGISTRY

11. PRESENTED BY: Global Advertising and Brand Management

13. Social
Networks

14. TECHNOLOGY + BRAND +
MERCHANT NETWORK +
SOCIAL NETWORK

15. Virtual Commerce
$2.2 billion
$6 billion
PRESENTED BY: Global Advertising and Brand Management

16. Value
Education = Adoption
Virtual
Consumer
Experience
Trust Physical
Mobile Wallet
Generation
Partnerships Social

17. QUESTIONS