The document outlines the agenda for Adyen's Capital Markets Day. It introduces the company's regional leads and solution leads who will give presentations on scaling operations globally, solutions for various industries, and regional overviews. The agenda includes discussions of people and culture, solutions for platforms, retail, and digital payments, and regional summaries for Latin America, North America, and Asia-Pacific.

1. Capital Markets Day
September 29, 2020

2. Agenda
September 29, 2020
Scaling a global company
Kamran Zaki
Break
People & culture
Pieter van der Does & Ingo Uytdehaage
Welcome & introduction
Pieter van der Does
Tour around the world
Latin America
Jean Mies
Tour around the world
North America
Brian Dammeir
Tour around the world
Asia–Pacific
Warren Hayashi
Q&A All
Break
Solutions
Enterprise Platforms & Marketplaces
Blake Breathitt
Solutions
Enterprise Retail
Food/Beverage & Hospitality
Derk Busser
Solutions
Merchant–driven innovation
Mariette Swart
Solutions
Enterprise Digital & Online
Sunil Dixit
Q&A All
Martine de Visscher
Solutions
Mid-market

3. Today’s presenters
Pieter van der Does
Co-founder & CEO
Ingo Uytdehaage
CFO
Mariette Swart
CLCO
Kamran Zaki
COO
Warren Hayashi
Regional lead
Asia-Pacific
Jean Mies
Regional lead
Latin America
Brian Dammeir
Regional lead
North America
Sunil Dixit
Solution lead
Product
Blake Breathitt
Solution lead
Product
Derk Busser
Solution lead
Product
Martine de Visscher
Solution lead
Product

4. People & culture

5. The
Adyen Formula
We build to benefit all merchants
(not just one)
1
We make good choices to build an
ethical business and drive sustainable
growth for our merchants
2
We launch fast and iterate
3
Winning is more important than ego; we work
as a team - across cultures and time zones
4
We don’t hide behind email,
instead we pick up the phone
5
We talk straight without
being rude
6
We include different people to sharpen
our ideas
7
We create our own path and won’t
be slowed down by “stewards”
8

6. How we hire talent
We look for Formula fits
Board member interviews
Measured growth approach

7. Why talent stays
with us
Talent grows with us
Create your own path
Company culture

8. How people grow
with us
Ownership
We work in cross-functional teams
The Adyen Way of Leading Teams

9. How we work as a
team during
COVID-19
Remote onboarding and training
Normal course of life
Remote events

10. We include other
people to sharpen
our ideas

11. Scaling a global
company

12. * NB: The exact number of FTEs is shown as of 2015

13. Scalable
architecture enables
exponential growth
• Single code base
• Distributed stateless architecture
2008 2010 2012 2014 2016 2018 2020
2 years
10+ years
1 year
* Number of transactions

14. The power of one platform
Traditional
platforms
Merchant Gateway Risk management Processing Schemes Issuers
PSP Acquirer
Acquirer
PSP
Merchant Gateway Risk management Processing Schemes Issuers
The Adyen
platform
Merchant Gateway Risk management
Processing
& Acquiring
Schemes Issuers
Acquirer
PSP
Merchant Gateway Risk management Processing Schemes Issuers

15. The power of one platform
Traditional
platforms
Merchant Schemes Processing Risk Card printing Cardholder
KYC
Acquirer
PSP
ateway Risk management Processing Schemes Issuers
The Adyen
platform
Merchant Processing Risk Authentication Cardholder
Schemes
Acquirer
PSP
ateway Risk management Processing Schemes Issuers
Issuer Authentication
Issuer KYC Card printing

16. Commercial payments
Using physical or virtual cards to pay suppliers | Merchant is cardholder
Customer
places order
Platform
Adyen Acquiring Deliveryman A Adyen or any
Merchant Acquirer
Restaurant
Electronics
Adyen Issuing

17. Commercial programs
Using physical or virtual cards to pay for company expenses | Customer of expense program is card holder
Adyen Issuing
Expense program
Company A Wire transfer
Employee card
Employee card
Employee card
Merchant Acquirer
Merchant Acquirer
Merchant Acquirer
Travel
Online
Office supplies
Cocktails Merchant Acquirer

18. Adyen Issuing: extending the value chain
Merchant Gateway Risk Processing Schemes Processing
PSP Acquirer
Acquirer
PSP
Merchant Gateway Risk management Processing Schemes Issuers Risk Cardholder
Issuer
Card printing
KYC Authentication
Merchant Schemes
Acquirer
PSP
Merchant Gateway Risk management Processing Schemes Issuers
Gateway Risk Acquiring Processing Cardholder
Processing Risk Issuing KYC Printing Authentication

19. Solutions
Merchant–driven
innovation

20. Cross-functional
workstreams

21. Enterprise Digital & Online
Enterprise Retail, Food & Beverage and Hospitality
Enterprise Platforms and Marketplaces
Mid-market
Core Platform Core Finance

22. Solutions
Enterprise
Digital & Online

24. Growth enabler
Membership to
innovation
Scalable platform
Engineering first
We are a future-proof partner
to our merchants

25. Reach the highest
rate of conversion
while maintaining
acceptable risk

26. The problem
1 in every 5
payments is
declined

27. Facilitating higher
authorization rates at scale
Recovery
Checkout Routing Messaging

28. We are a future-proof partner
to our merchants
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29. Solutions
Enterprise Retail,
Food & Beverage
and Hospitality

31. Shopper
data and
Insights
Global unified
commerce
offering
Full control over
configuration and
software
Simplified
operations &
integrations
What makes us stand out
A strong unified commerce offering

32. Payment acceptance
can be complicated
• Multiple acquirers and gateways
• Separate integrations
• Separate reporting
• Different types of terminal hardware
Merchant
PSP Acquiring
Reporting
PSP Acquiring
PSP Acquiring
PSP Acquiring
PSP Acquiring
PSP Acquiring
1000 locations
300 locations
800 locations
2000 locations
800 locations
500 locations

33. …but it doesn’t
have to be
• One contract
• One integration for all countries and channels
• Singular overview of all payments
• One integration across countries and channels
2000 locations 1000 locations 500 locations
800 locations
Processing
PSP Acquiring
Merchant
300 locations 800 locations
Reporting

34. Global reach with one solution for
point–of–sale across four continents

35. The Adyen
unified commerce
experience
• Click–and–collect
• Self-service ordering
• Drive–through
• Counter top
• Loyalty programs
• Future journeys

36. We enable our
merchants to
• Increase transaction speed
• Provide their customers tailor-made experiences
• Improve engagement with their customers

37. Full control
Offering a great
merchant experience
• Self-service terminal ordering & configuration
• Self-boarding terminals
• Fast pairing with cash registers
• Automatic remote updating

38. Simple integration to
facilitate in–person,
in–app, or online
payments
Checkout
Terminal API

39. Providing a taste of home
Offer customers’ preferred payment methods

40. Insights
Linking all
transactions made
with the same card

41. Insights
Turning receipts
into actionable
customer data

42. Insights
Analyzing unified
payments data in
one place

43. Solutions
Enterprise Platforms
& Marketplaces

45. One integrated solution
Onboarding & Verification
Funds Control Flexible Payouts
Adyen for
Platforms
The Adyen
platform
Merchant Gateway Risk management
Processing
& Acquiring
Schemes Issuers
Acquirer
PSP
Merchant Gateway Risk management Processing Schemes Issuers

46. Seller can start processing
without payout
Collect information
for verification
Collect bank
information for payout
Offering a personalized
onboarding experience

47. Divide payments
between platform
and accounts
Shopper
In-person charge $100
Platform
Platform account $10 Sub-seller account $90
Platform bank $8 Sub-seller bank $90
Calculate
allocations
-$2 fees

48. Platforms in control
Payout configurations
API-initiated
payouts
Scheduled
payouts

49. Solutions
Mid–market

50. Providing the full
strength of the
Adyen platform
via simplified
integrations

51. Supporting
mid-market
merchants
throughout their
growth trajectories

52. Plugins &
partnerships
Our mid-market
product approach

53. Latin
America

55. Latin America’s
payment landscape
at a glance
• Market expansion driven by several secular
tailwinds
• Payments infrastructure dominated by local banks
• Financial inclusion driving ongoing shift towards
card payments - in-store and online

56. Increased need for a
unified commerce
solution driven by
the digitization of
commerce

57. Serving global
merchants expanding
into Latin America
Serving Latin American
merchants in a market
transitioning towards online

60. North
America

61. * NB: This map does not include remote FTE's

62. Serving North
American merchants
going abroad
Serving North American
merchants in an increasingly
evolving domestic market
Leveraging one platform to access a wide
array of payment methods and acquiring
connections around the world
Meeting the demand of digitization for
Online, Unified Commerce, and Platform
merchants

63. North America is a quickly evolving
market driven by changing shopper
behavior
Payment method proliferation The merging of channels in
Unified Commerce
Evolution from the card
networks

64. Help North American
merchants expand
cross-border

65. Technology
and online
Platforms and
marketplaces
Unified commerce
and point-of-sale

66. Technology
and online

67. Unified commerce
and point-of-sale

68. Platforms and
marketplaces

69. APAC

71. Digitization of
commerce on the
consumer side
Super apps
Cash to cashless
Unified commerce
Buy Now Pay Later

72. Wallet
Local cards
Open invoice / Instalments
Cash
Online banking
Prepaid card Direct debit
Adyen offers full service for all payment methods listed, unless they are marked with:
(C): requires a contract with the payment method, Adyen acts only as a gateway (no reconciliation included)
(R): requires a contract with the payment method, while Adyen offering includes reconciliation
Thailand
Cash over Counter
Online Banking
India
RuPay
PayTM
UPI NetBanking
Indonesia
Doku
Convenience stores
Bank Transfer
WeChatPay
China
Alipay
UnionPay
Online Banking (C)
Malaysia
7-Eleven
Online Banking
RazerGold
GrabPay
Hong Kong
Alipay HK
South Korea
Korean local cards
Bank Transfer
PayCo
Japan
Online Banking
Convenience stores
Pay-Easy
Australia
eftpos
POLi
Afterpay (C)
Zip
Vietnam
Online Banking
GrabPay
MoMo
MoMo ATM
Philippines
PayMaya GCash
Convenience stores
Payment centres
Online Banking
GrabPay

73. Global companies
expanding into
APAC
Serving APAC
companies
domestically
APAC companies
expanding
cross-border

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