apidays New York 2022 - Beyond API Regulations for Finance, Insurance, and Healthcare July 27 & 28, 2022 Interacting more, in more places, more often – The impact of APIs on the next generation of in-store points of interaction Tobias Puehse, Global Lead for Next Gen Point of Interaction at MasterCard ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

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Digital Enrollment at Point of Sale
Next Gen Point of Interaction | July 2022
Interacting more, more
often, in more places

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
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DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
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3. Why is it the right time for Next Gen POI?
Next Gen Point of Interaction | July 2022 2
“It’s no secret the retail industry has experienced a
major disruption and surging cost due to labor and
supply chain shortages. Now is the right time to
invest in deflationary technology, meaning that the
more technology is used, the more the cost of
technology goes down for retailers.”
– Forbes, May 2022

4. What if we Think differently about POI
MISSION WHAT IF …
experience and opportunity
Mastercard is on a mission to
create highly scalable
products that give retailers
and their shoppers relevant
choices of how, when, and
where to interact in-store by
taking the best of digital
into the store and making
information and credentials
portable across all
touchpoints.
we can seamlessly digitize millions of credentials after a physical
transaction in-store?
we introduce new methods of “check-in” to speed up the
transaction?
we greater deeper links between loyalty and payment to make
shopping even more rewarding and personalized?
we introduce in-store digital payments to achieve “card on file”
seamless, fast, and secure check-out, with or without an app?
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APIs for a better
experience
Next Gen Point of Interaction | July 2022

6. How can APIs Simplify the Next Gen POI?
architecting new experiences
Traditional POI Setup Next Gen POI Setup
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Specialized hardware & fragmented software Simplified hardware & integrated software

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By bringing together Next Gen POI with Next Gen Loyalty, retailers can
deepen the digital in-store experience & shorten the path to purchase
Next Gen Loyalty
Joins loyalty
program
Next Gen Loyalty
Becomes brand
advocate
Next Gen Loyalty
Intensifies app
usage
Next Gen Loyalty
Manages all
payments digitally
Next Gen Loyalty
Makes first
purchase
✓ Loyalty ID
✓ Declared preferences
✓ Opt-in status
✓ Email
✓ Phone
✓ Address
✓ Transaction details
✓ Items purchased
✓ Payment type
✓ Favorite
store/Preferred channel
✓ Customer value metrics
✓ Recommendations
✓ Appended attributes
from Mastercard such as
share of wallet, affinities
✓ Complete operational
customer profile
✓ Referral data
✓ Improved
recommendations
✓ Mobile App Usage
✓ Location Data
✓ Mobile Purchase Data
✓ Mobile Campaign Data
Next Gen POI
Enrolling
credential at POS
Next Gen POI
Enabling new
check-in methods
Next Gen POI
Powering in-store
credential on file
✓ Eligibility check
✓ Enrollment at POS
✓ Binding of loyalty &
credential / click to pay
✓ Biometrics
✓ QR & merchant app
✓ Secure COF
✓ Click to Pay
The customer is
core to every
interaction
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Next Gen Point of Interaction | July 2022

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Next Gen Point of Interaction | July 2022
Experience Highlights

9. ©2022
Mastercard.
Proprietary
and
Confidential
8
How to enroll
one-time
Shoppers complete their shopping
cart assembly without disruption.
Next Gen Point of Interaction | July 2022
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10. ©2022
Mastercard.
Proprietary
and
Confidential
9
How to enroll
one-time
Shoppers pay with their preferred
payment credential (dip/tap)
Next Gen Point of Interaction | July 2022
9

11. ©2022
Mastercard.
Proprietary
and
Confidential
10
How to enroll
one-time
Shoppers are prompted to link their
payment credential to their merchant
profile (new or existing)
Next Gen Point of Interaction | July 2022
10

12. ©2022
Mastercard.
Proprietary
and
Confidential
11
Shopper checks in with their merchant
app that is now card & loyalty linked
Next Gen Point of Interaction | July 2022
How to check-in
each time
11

13. ©2022
Mastercard.
Proprietary
and
Confidential
12 Next Gen Point of Interaction | July 2022
How to connect value
Shopper is receiving value throughout
as well as a simple “one-click” to
complete the transaction
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14. ©2022
Mastercard.
Proprietary
and
Confidential
13 Next Gen Point of Interaction | July 2022
How to check-out
Payment completes instantly using
the card-linked to the account with
loyalty being earned in parallel
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What Outcomes do we aim to achieve?
value proposition and business case
The Customer first
Increased Ticket size
Improved Efficiency
Quality Data to Action
Job #1 is a simple & rewarding
interaction to drive digital adoption
Fewer steps to
enroll digitally
Integrated
customer journey
Loyalty +
Credential
More customers enrolled
versus business as usual
North Star
Calibrated incentives to enroll based
on the attractiveness of the customer
Identify heavy
shoppers
Convert occasional
shoppers
Establish
Geofence
Best in class marketing
return on investment
More choices for frequent shoppers to
engage with the retailer
Efficient repeat
checkouts
Increased
convenience
Diverse
touchpoints
Increased ticket size
versus control group
Faster checkout driven by digital
credential on file
Digital payment
shortcut
Single factor
identification
Terminal- &
app-free
Significant reduction in
checkout time versus control

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Next Gen Point of Interaction | July 2022