Market Development                                                                                                contactl...
What is Visa today?     €1.16tr                                                 28.8bn                                    ...
Czech Republic KPIs, y/e June 2012         Highlights         • transactions                                              ...
Cards and transactions, y/e June 2012                                                                                     ...
How Czech Republic compares to UK  2011 – Czech Republic                                                            2011 –...
And how it compares across Europe (%)                              Estonia France Germany             Italy     Poland    ...
And how people use their cards     Transactions by payment method (%)                                *    * Overall does n...
Pace and scale of change                                                                                                Go...
Are you ready…for the Visa Future of    Payments                                                                          ...
Three complementary platforms deliver theconsumer experienceA secure cross-channel wallet, a range of customised mobile se...
Visa is the most innovative brand in the CzechRepublic1) Visa the strongest payment system with   the largest market share...
Contactless in Europe 2011(September – 1 year ago)                                                                        ...
Visa payWave Card and Mobile Dashboard                                                                                    ...
Visa payWave dashboard - July9,000        6,827,659                             cards issued                              ...
London 2012 – The Olympic effect                      For Visa Europe Internal Use Only
Maintaining momentum throughout the year tosupport our Olympic association Winter 2011            Spring 2012             ...
Olympic Acceleration                                                                                                      ...
Europe Visanet Weekly Summary – Week 33                                             UK and Poland - Visa payWave transacti...
Transit Update• TfL Bus Launch (known fare) scheduled for December 13th 2012• TfL Phase Two (entire network, variable fare...
National Winter Promotion 2012  12th Nov 2012 – 6th Jan 2013     Bank Member MaterialsNational Winter Promotion 2012  12th...
National Winter 2012 usage promotion:Giving consumers the chance to win attractive prizesObjective:             Encourage ...
22
V.meCheckout User Experience
Zelená kniha EU o karetních,        internetových a mobilních platbáchPozice ČR  Považuje MIF za v zásadě legitimní nástro...
Thank you!             For Visa Europe Internal Use Only
Visa Europe: Transakce a mobilni platby v roce 2012
Visa Europe: Transakce a mobilni platby v roce 2012
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Visa Europe: Transakce a mobilni platby v roce 2012

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Visa Europe: Transakce a mobilni platby v roce 2012

  1. 1. Market Development contactless & mobile update Miloslav Kozler, Marcel Gajdos Visa Europe Prague, 15 November 2012For Visa Internal Use Only. This information is not intended, and should not beconstrued, as an offer to sell, or as a solicitation of an offer to purchase, any securities. 1
  2. 2. What is Visa today? €1.16tr 28.8bn 80% Point of Sale (POS) +13% Visa Number of of consumer POS spend spend on debit +14% growth transactions > £1 in £3Visa Europe share (%) of UK consumer spending 2000-2011 £1 in £7 24.8 32.4 39.5 14.9 17.7 20.2 24.2 2000 2002 2004 2006 2008 2010 2011 Visa Europe Annual Business Results - most recent data for 2011 The data is calculated using constant exchange rates to minimise effect of any exchange rate movements
  3. 3. Czech Republic KPIs, y/e June 2012 Highlights • transactions 294.7 m growth: +13.78% • POS transactions 179.9 m growth: +19.59% • Gross CEV €23 466 m growth: +8.47% • POS CEV €6 466 m growth: +14.85% Rates of growth = year on yearFor Visa Internal Use Only. This information is not intended, and should not beconstrued, as an offer to sell, or as a solicitation of an offer to purchase, any securities. VCEC meeting │ Prague │September 19, 2012 3 For Visa Europe Internal Use Only
  4. 4. Cards and transactions, y/e June 2012 Transactions Cards 2Q 2012 Growth Gross CEV Cards (000) 5 658 2.12% Gross CEV (€ 000) 23 466 389 8.47% POS CEV (€ 000) 6 466 164 14.85% CASH CASH CASH CASH CASH CEV (€ 000) 17 000 225 6.22% Transactions (000) 294 743 13.78% POS Transactions (000) 179 958 19.59% CASH Transactions 114 785 5.73% (000) POS POS POS POS POS ATV (€) 35.9 -3.96% 58.10% 61.10% 26.00% 27.60% CASH ATV (€) 148.1 0.45% 2011 2012 2011 2012 Share of POS transactions: over 61%For Visa Internal Use Only. This information is not intended, and should not beconstrued, as an offer to sell, or as a solicitation of an offer to purchase, any securities. For Visa Europe Internal Use Only VCEC meeting │Prague │September 19, 2012 4
  5. 5. How Czech Republic compares to UK 2011 – Czech Republic 2011 – UK Ta ge r Credit Credit t C 4.0% 16.3% re di tP ro fit Ta Po Cash and other ol Cash and other rg 88.0% et 71.8% D eb it Pr o fit ATM to POS Po ol Debit Debit 30.7% 8.0%100% = Czech Republic 2011 PCE: €77bn 100% = UK 2011 PCE: €1077bnSource: Datamonitor, Euromonitor, Visa, 5
  6. 6. And how it compares across Europe (%) Estonia France Germany Italy Poland Spain Sweden Turkey GB USA Czech Romania Israel RepPayment cards held as % of banked adults % of adults who are 98 96 98 87 88 92 95+ 40+ 94 91 95 77 96 bankedATM only card 4 15 18 10 45 18 18 22 17 19 na na 21Debit card 97 64 91 81 58 82 86 66 96 83 93 93 naCredit card 26 27 23 13 42 33 45 68 62 77 16 14 86Charge / Deferred 8 23 26 28 3 31 34 na 3 15 na na 4Debit cardPrepaid card 1 1 9 46++ 4 10 7 0 5 6 na na 5*Prepaid card for 0 4 1 9 12 16 8 2 4 1 na na 8travellingMulti-function card 1 16 na 38 na na 7 na na na na na naInstalment card na na 2 na na na 5 na na 1 na na naStore card 3 33 14 17 14 41 39 2 21 40 na na 63Fuel card 7 2 8 12 7 16 40 1 3 13 5 2 6Internet wallet 5 22 33 21 15 25 41 1 44 42 2 1 7Average number of 1.7 2.6 2.5 3.0 2.5 3.5 4.1 2.6 3.2 4.9 1.6 1.3 3.0above payment cardsBase: 41,396 banked adults, Age 16-65. Question: Which of the following do you have? (Q3) na = not applicable. ++ Inflated due toonline panel methodology*loadable card or store card Highest= Lowest= For Visa Europe internal use only 6
  7. 7. And how people use their cards Transactions by payment method (%) * * Overall does not take account of purchase frequencyBase: 2001 Czech banked adult TransactionsQuestion: Thinking about the last time you made the payment, how did you pay for it? (Q83)
  8. 8. Pace and scale of change Google Wallet 500 million Smartphones Market Developments iPhone 4S 2 billion+ apps Google buys The new iPad downloaded Motorola for $12.5bn World’s No. 1For Visa Internal Use Only. This information is not intended, and should not beconstrued, as an offer to sell, or as a solicitation of an offer to purchase, any securities. 8
  9. 9. Are you ready…for the Visa Future of Payments €1 in €8 of consumer spending in VE €1 in €10 of consumer spending in CR €1 trillion Mobile at 15% card POS volumes in VE transactions by 2013 €6.6 billion POS volumes in CR 25m+ Contactless Double digit cards in VE growth rates in VE and 400k+ Contactless eCommerce CR cards in CR 20% of volumes, growing at +30% annually in VE 2% of volumes, In 2010 alone, 400 private growing at +36% companies invested more than annually in CR €1.1 billion in payment-related technologiesFor Visa Internal Use Only. This information is not intended, and should not beconstrued, as an offer to sell, or as a solicitation of an offer to purchase, any securities. 9
  10. 10. Three complementary platforms deliver theconsumer experienceA secure cross-channel wallet, a range of customised mobile services andleading edge retailer loyalty services.Digital wallet Mobile payments Retailer loyalty Consumer promise: Consumer promise: Consumer promise: • Pay conveniently and securely • Send money easily and quickly • Feel appreciated and save money on the web – with a card wallet to friends and family with person- through compelling offers and to-person payments rewards that are timely and relevant – with loyalty • Pay for goods quickly and easily services in shops by simply tapping a card or mobile with proximity payments • Feel protected and informed when using a card – with real-time alerts
  11. 11. Visa is the most innovative brand in the CzechRepublic1) Visa the strongest payment system with the largest market share in the Czech Republic2) Biggest contactless issuer3) First brand to launch mobile NFC pilot4) First brand to launch commercial mobile NFC
  12. 12. Contactless in Europe 2011(September – 1 year ago) • 4m Cards21.9 million cards • 15m Cards • 30,000 Terminals154k terminals • 70,000 Terminals • 15 issuers • 6 issuers in 2011 •Finland •Iceland •Norway • Launching in 2011 •Sweden •Estonia• Launching in 2011 •Latvia •Denmark •Ireland •Lithuania • 220k Cards •UK •Netherlands • 2,500 Terminals • 250k Cards •Poland •Belgium •Germany • 2,000 Terminals •Luxembourg •Czech Rep • 7 issuers •Slovakia • Launched in June •France •Switzerland •Austria •Hungary 2011 Consumer rollout •Slovenia •Romania Pilot • Launching in •Portugal •Spain •Italy •Bulgaria 2011 Study phase •Turkey • Launched in June • 100k Cards •Greece 2011 • 1,000 Terminals • 2.5m Cards • 115k Cards • 4 issuers • 45,000 Terminals •Cyprus • 4000 Terminals • 11 issuers 12 •Israel
  13. 13. Visa payWave Card and Mobile Dashboard July-12 The story so far across Europe MOBILE 1 member live 42 million cards and 365k terminals Launching in 2012 43% credit cards 56% debit cards ACCEPTANCE ACCEPTANCE ACCEPTANCE Consumer 121.7k terminals CARDS MOBILE 75k terminals rollout CARDS MOBILE 80.5k 1 member CARDS MOBILE 24.7m 1 member 6 issuers live 6.8m 4 members Pilot 7 issuers live 22 issuers live Study ACCEPTANCE phase 4.4k terminals CARDS MOBILE 0.4m 3 members 3 issuers live ACCEPTANCE 6.5k terminalsVisa payWave 1 card issuer live CARDS MOBILE 0.7m 1 members 3 issuers live ACCEPTANCE 56.3k terminals ACCEPTANCE CARDS MOBILE 0.3k terminals 2.5M 5 members CARDS MOBILE CARDS 7 issuers live 1 member 30.2k 2 issuers live live 2 issuers Launching in 2012 Launching in 2012 1 card issuer live ACCEPTANCE 46.7k terminals CARDS MOBILE ACCEPTANCE 1.4m 4 members 2.2k terminals 5 issuers live CARDS MOBILE ACCEPTANCE 0.3m 1 members 50.8k terminals 6 issuers live 1 issuer live CARDS MOBILE 4.4m 2 members 11 issuers live Visa Europe confidential. Note: data is sourced from individual member reporting
  14. 14. Visa payWave dashboard - July9,000 6,827,659 cards issued Highlights • 26 Issuers live with contactless;8,000 • 11 Acquirers live with contactless7,0006,000 • 32% cards are contactless (+1%)5,000 • 75K terminals are contactless (25% of all)4,000 • 7,15% of all transactions are contactless !!! (+1,15%)3,0002,0001,000 0 Czech 1 2 1 2 0 0 1 1 n -1 n -1 r -1 r -1 p- 1 c- 1 p- 1 c- 1 Ma Ma Poland Republic Slovakia Ju Ju De De Se Se % of cards are  contactless 32% 8% 28% 3,87 million transactions % Credit cards 9% 1% 11% 5,000 % Debit Cards 91% 99% 89% 4,000 % of terminals 3,000 upgraded 32% 6% 21% 2,000 Monthly trx per  1,000 card 0,57 0,31 0,22 0 Monthly trx per  terminal 52 28 22 1 2 1 2 0 0 1 1 n -1 n -1 r -1 r -1 p- 1 c- 1 p- 1 c- 1 Ma Ma Ju Ju De De Se Se For Visa Europe Internal Use Only Poland RM monthly update / 24th August 2012
  15. 15. London 2012 – The Olympic effect For Visa Europe Internal Use Only
  16. 16. Maintaining momentum throughout the year tosupport our Olympic association Winter 2011 Spring 2012 Summer 2012 For Visa Europe Internal Use Only 16
  17. 17. Olympic Acceleration 500,000 • In just 10 weeks the number of contactless transactions in the UK has doubled 450,000 • There were more than a million contactless transaction in the UK 400,000 during the games; almost 6 times the number of transactions in the same period in 2011 350,000 • After the Olympic Stadium, the top usage for contactless 300,000 transactions under £20 came from vending machines - with over 13k transactions taking place 250,000 • The top 100 UK contactless merchants doubled the volume of 200,000 contactless transactions over the 17 day Games period when compared to the previous 17 days 150,000 • 97.75% of contactless transactions were on UK issued cards 100,000 0.90% 0.80% 50,000 0.70% 0.60% 0 0.50% W k n g re W 1 ee k 2 r W sB e O kB e W sB e re W sB e re ee fte 0.40% r or r r k o ee efo ee efo ee efo ee efo e e fo ee ee ef W A ef W Be 0.30% W sB W sB k ks 0.20% ni k k k k k W ee ee pe 0.10% W 0.00% 7 6 5 4 3 2 Canada Australia Switzerland France United Germany Spain Poland Republic Of Slovakia States Of Ireland America Vol in 2011 Other Contactless Merchants Olympic Venues Number of Contactless Transactions by Week (impact of Olympics and M&S)
  18. 18. Europe Visanet Weekly Summary – Week 33 UK and Poland - Visa payWave transactions & spend 900,000 4,500,000 800,000 4,000,000 700,000 3,500,000 Number of Transactions 600,000 3,000,000 POS Value € 500,000 2,500,000 400,000 2,000,000 300,000 1,500,000 200,000 1,000,000 100,000 500,000 0 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1718 19 20 21 22 23 24 25 26 27 2829 30 31 32 33 Week Number UK Transactions Poland Transactions Poland POS € UK POS € Detailed data – with breakdowns by issuer and acquirer can be found in report 3.0
  19. 19. Transit Update• TfL Bus Launch (known fare) scheduled for December 13th 2012• TfL Phase Two (entire network, variable fare) scheduled for December 2013. •£396m first year; rising to £2bn at full penetration• Transport for Greater Manchester to launch variable fare on trams in mid-2013• Wroclaw in Poland has 800 terminals in buses and trams, generating •300k contactless payments per month• Warsaw plans to implement 1500 payment terminals in buses and trams
  20. 20. National Winter Promotion 2012 12th Nov 2012 – 6th Jan 2013 Bank Member MaterialsNational Winter Promotion 2012 12th Nov 2012 – 6th Jan 2013
  21. 21. National Winter 2012 usage promotion:Giving consumers the chance to win attractive prizesObjective: Encourage card holders to use their cards at POS before Xmas and during post Xmas salesTarget audience: All Visa cardholders in Czech RepublicPrizes: 5x 2013 CZK daily, 2x tablet iPad weeklyTiming: 8 weeks: 12th November 2012 – 6th January 2013Media: Radio, mobile, Facebook, digital OOH at: Albert HM, Tesco, Kaufland & IntersparBTL: Full toolkit of marketing materials for Members – ready to order Bank Member materials now
  22. 22. 22
  23. 23. V.meCheckout User Experience
  24. 24. Zelená kniha EU o karetních, internetových a mobilních platbáchPozice ČR Považuje MIF za v zásadě legitimní nástroj, bez něhož by systémfungoval obtížně Pokud MIF vyvolávají obavy z hlediska hospodářské soutěže, měly by seřešit pomocí nástrojů soutěžního právaMožnosti dalšího vývoje Žádná regulace Zákaz MIF Stanovení výše „spravedlivého“ MIF Stanovení výše „spravedlivého“ MIF po určité přechodné období
  25. 25. Thank you! For Visa Europe Internal Use Only

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