This document discusses the growth of mobile payments and financial services using mobile wallets. It outlines that developed and emerging markets are seeing a wave of mobile proximity payment initiatives using near field communication (NFC) technology. The mobile payments market is growing significantly and expected to reach $630 billion by 2014. NFC devices and phones are reaching mass markets which will help drive further adoption of mobile wallets and payments. This represents a major opportunity, especially to provide financial services to the 80% of the world population that is currently unbanked.

1. The Mobile, your preferred Wallet
Jean-Claude Deturche
Senior Vice President
Mobile Financial Services
November 17th, 2011

2. The Mobile is Revolutionizing the Global Financial
Market
Developed Markets
Emerging Markets
Banking & Financial Management
Proximity and Remote payments
P2P transfers Branchless banking
Bill payment P2P transfers
Bill payment
Payments to merchants
Salary/welfare disbursement
Micro-financing
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3. Since 2010 A Wave of Mobile Proximity Payment
Initiatives
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4. Thank You

5. NFC devices are reaching mass market
NFC PoS deployment driven by contactless cards roll-out
Contactless payment card
85% of POS terminals to
shipment will grow by 30% 21% of Ingenico POS
support contactless
in 2011 (after 50% growth in shipped in 2010 were NFC
payments in 2016
2010)
Eurosmart Jan2011 ABI Research Ingenico
NFC phones are reaching mass market
SIMs are available for
Samsung, LG, Nokia, RIM… Battle over SE control on-
commercial deployment
Forecast at 630Mu in 2015 going – Google Nexus S
Informa Sept2011
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6. The Market Opportunity
Mobile Payments
• Juniper: Mobile Payments will grow from $170B in 2010
to almost $630B in 2014
• Number of mobile payment users will grow from
351 million to 1.06 billion
• Mobile payment transactions will grow from 37.4 billion
to 1.13 trillion
• Location-Based Services and Mobile Advertising are
driving the shift to mobile payments
• NFC anticipated as a true game changer if ecosystem
can be created
Banking the Poor
• 80% of the world population is unbanked -
traditional banking does not cater to the “base of the
pyramid”
• Bank branch and ATM penetration is lowest in
countries with the highest mobile subscription
growth rates
• Mobile wallets make it possible to extend basic
formal financial services to the poor – for cash
deposit, withdrawal, money transfer and payments
• Gartner: Annual revenue from mobile banking for the
unbanked in emerging markets will reach $8 billion
by 2012
21/11/2011
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7. Gemalto has unrivalled NFC experience and
references
6 years of investment, 45 Projects to date
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Unique relationships with most major banks, telcos and
transport operators 7