This document discusses the growth of digital payments in Latin America. Some key points: - Digital commerce and connectivity are growing rapidly in Latin America, with consumers spending more time on devices. - Digital transactions are growing much faster than in-store payments, increasing over 400% compared to point-of-sale. - Mastercard's digital strategy focuses on simplifying access to digital assets, optimizing the multicahnnel experience, and anticipating needs beyond payments through technologies like tokenization, card on file, and chatbots. - A single digital platform from Mastercard aims to securely tokenize every digital transaction across physical, online, app-based, and IoT environments.

1. Digital Payments
The Latin America (R)evolution

2. The information provided herein is strictly proprietary to MasterCard and for use in
connection with this presentation only. You may not distribute nor share any
information contained herein with any other third party, in oral or written form,
without MasterCard’s prior approval.
Information in this presentation or in any report or deliverable provided by MasterCard
in connection herewith relating to the projected impact on your financial performance,
as well as the results that you may expect generally are estimates only. No assurances
are given that any of these projections, estimates or expectations will be achieved, or
that the analysis provided is error free. You acknowledge and agree that inaccuracies
and inconsistencies may be inherent on both MasterCard’s and your data and systems,
and that consequently, the analysis may itself be somewhat inaccurate or
inconsistent. The information, including all forecasts, projections, or indications of
financial opportunities are provided to you on an ‘as is’ basis for use at your own
risk. MasterCard will not be responsible for any action you take as a result of this
presentation, or any inaccuracies, inconsistencies, formatting errors, or omissions in
this presentation

3. Digital commerce se ha
vuelto la nueva norma
Y los pagos digitales se
han vuelto invisibles!

4. Hay consumidores más conectados, y sus necesidades por más
funcionalidad por medio de los canales digitales, crece!
Conectividad.
Crece rapidamente.
Consumidores utilizando más
tiempo en sus dispositivos.
Y son sus dispositivos los que
le van a traer más funciones.
8.4 billiones de dispositivos
conectados (2017)1
24 billiones de dispositivos
conectados (2020)2
Promedio 5 horas
por día U.S.3
E-COMMERCE AND DIGITAL COMMERCE
400% de crecimiento comparado
con POS4
1. Gartner, “Forecast: Internet of Things—Endpoints and Associated Services,
Worldwide, 2016,” December 2016
2. Business Insider, “There will be 24 billion IoT devices installed on Earth by 2020,” June 2016
3. Flurry Analytics, “U.S. Consumers Time-Spent on Mobile Crosses 5 Hours a Day,” March 2017
4. i95dev, “Top E-Commerce Trends to Watch Out for in 2017,” February 2017
5. Ericsson Mobility Report, November 2015
6. Business Insider, “Digital peer-to-peer payments are the new norm,” August 2017
CONSUMER LANDSCAPE

5. El Despertar de los Pagos Digitales en America
2019
PAYMENTS LANDSCAPE
Crecimiento de
transacciones
digitales
vs
in-store
2.8x
% of card-on-file (COF)
digital transactions+64%
*LAC processed data – NOV 2018
CNP share of total
volume24%
2013
% of card-on-file (COF)
digital transactions20%
CNP share of total
volume6%

6. ‘Every Connected Device is a Commerce Device’
Seguridad en cada transacción, liderar escala y diferenciación por medio de Digital
Mastercard Digital Strategy
Simple acceso
a activos
digitales
Generar la
mejor UX
multicanal
Anticipar y
construer más
allá de pagos
NFC
Card on File
Chatbots
P2P
GUEST CHECKOUT
Tokenización. MDES
Autenticación. EMV 3DS
MC DEVELOPERS
MC ENGAGE
LABS
STARTPATH
IDEA SPARK
LAUNCHPAD
Liderar pagos
digitales y
Seguridad en
cada
transacción

7. ©2019Mastercard.ProprietaryandConfidential.
Una sola plataforma
Tokenizando y dando seguridad a cada transacción digital
Fisico a Digital
Online a Offline
100% Online
Multi-journeys
…
Wearables
Cyber Security + Authentication + Tokenization
RTPQR CodeNFC
Credit Debit Prepaid
IoTAPISDK
NuData 3DS 2.0 MDES / M4M
WebIn-AppIn-Store
Home Appliances
Digital Stack User Experience
Mastercard Digital Platform
Transportation
Digital Containers

8. ©2019Mastercard.ProprietaryandConfidential.
CONSUMER LANDSCAPE
Inmediatez
Delivery & Rewards
Constante
feedback
Uso Simple
Expectativas del consumidor Digital. En que enfocar?
Control
Seguridad
Social24/7
Disponible