This document discusses trends in mobile payments and the payments industry. It covers challenges like controlling the mobile wallet, moving pilots to general acceptance, and niche market entrants. The document also discusses how payments have become an information business and how a payments platform as a service could provide offers, analytics, integration and security. Finally, it discusses how Microsoft is well-positioned in the industry due to its ability to connect consumers, retailers, banks and mobile operators through platforms across devices.

2. Agenda
Agenda
• Trends and challenges
• Envisioning the future of payments
• Payments Platform as a Service
• Windows Phone Wallet Hub
Time magazine, Nov 22nd 2004

3. The Social Factor
Years to Reach 50 Million “Users”
68 50 22 14 7 2
Social & Devices @Work Rise of the social customer
65% of
companies are Average of 4 44% of 20% expect a
deploying at consumer consumers response
least one social devices used complain via within 1 hour via
software tool every day social media social media

4. The Internet of Things

5. Challenges for Mobile Phone Payments
Race for wallet How to move
control pits Who’s wallet is from cool
participants in your pilots to real
against each pocket? general
other.
acceptance?
Must become
more useful & Niche market
convenient Mobile NFC is entrants. Who
than your just a single to back?
wallet slice of a (or to fear?)
single channel.

7. Payments Are Transactional Glue
The ability to
Payments are transfer funds is
Retailers Care ‘transactional
Pharmacy Providers a natural
Entertainment Health glue’ connecting extension of a
Merchant/Biller Community people to each digital
Community Public other.
Health relationship.
Tourist Venues
Small business Parking
Reach
Municipal The information customers in all
People Authority
Friends about the aspects of life,
Utilities Tolls payment is as
Family through virtually
Transport important as the any device.
payment itself!

8. Consumers are Changing How They Buy
Payments was a transaction business.....
Research Share Offer/ Feedback
Buy
...... but now it is an information business!

10. Every Screen Offers a New Shopping Experience

11. Payments is an Information Business
..…
...
• Demographics, Spending trends
• Geo-location
• Big Data and Analytics
• Sentiment Analysis
• Targeted offers by customer by channel

12. Payments Platform as a Service
Cloud Commerce Platform:
Offers, BI and Analytics
Integration
Security & Tokenization
Virtual
Payments Offers Tickets Loyalty
CCY
Universal Access With End Point Localization

13. Microsoft is Uniquely Positioned
• Consumers are more socially & digitally
connected to offers while they shop.
• Merchants want new and repeat Mobile
business. Network Consumers
Operators
• Banks want to avoid disintermediation
& offer more value to their merchants.
+ Partners
• Mobile Operators see m-commerce
experience as a growth engine. Retailers &
Banks
Merchants
• Microsoft connects & enhances the
commerce value chain.

14. Introducing SEEK By FreedomPay

15. Increasing The Value
Augmented Reality
+ Cloud
+ Wallet
= Enhanced Value Nokia City Lens

16. Windows Phone 8
Wallet Overview

17. 3 Pillars of Windows Phone Wallet
Proximity NFC Wallet Hub Secure NFC

18. Closing Thoughts
Is leather and NFC? More than
Payments is plastic Think outside Apps. Think
an easier? the POS! ‘Platform’
Information too.
Business
Microsoft Reaches the Consumer and the Enterprise,
and supports the entire payments value chain

19. Contacts
Colin Kerr
Industry Solutions Director, Worldwide Financial Services
Microsoft
colin.kerr@microsoft.com
Andrea W. Waldin
Vice President, Marketing
FreedomPay
andrea.waldin@freedompay.com