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©2014 MasterCard.
Proprietary and Confidential
Globant Webinar
Mobile Payments
Mario Shiliashki, SVP / Group Head, Emerging Payments @ MasterCard
May 21, 2015
©2014 MasterCard.
Proprietary and Confidential
journey to scale = everyday use
©2015 MasterCard.
Proprietary and Confidential
Page 3
Every connected device
will become a commerce
device
Shop in store
Shop in aisle
Shop anywhere
Shop at home
Commerce is changing
©2015 MasterCard.
Proprietary and Confidential
The path to purchase Plastic Connected Devices
Connected Devices Provide More Opportunity
for Engagement and Commerce
Pay: Swipe, dip, tap, type
Secure: PIN / signature
Communicate: Accept or decline
Information: Check balance, status, search,
compare, try
Offers: Targeted offers, rewards
Communicate: Connect, consult, share
Before the
purchase
During the
purchase
After the
purchase
Pay: Tap, in-aisle, in-app, online
Secure: Biometrics, alerts
Redeem: Offers, rewards, coupons, shipping
Communicate: Detailed transaction response
Payment history: E-receipt, track, benchmark
usage, auto-order, cross-sell, replenish
Loyalty: Earn, keep, track, burn rewards
Communicate: Record, share, celebrate
Page 4
©2015 MasterCard.
Proprietary and Confidential
Page 5
Three pronged strategy critical to
securing all channels
Online Security
Suite
EMV
Tokenization
Dynamic security on device
1
2
3
Mobile
Threats
MDES
©2015 MasterCard.
Proprietary and Confidential
Page 6
Securing digital channels will unlock
significant value
• 80% of declined transactions are genuine or “false positive declines”
• Resulting in negative reaction by genuine cardholders
96%
Physical world
Approval rate
80%
Digital world
Approval rate
Fraud rate
Card present rate
Fraud rate
3x card present
rate
Objective: bring digital approval rates in line with
current physical world approval rates
©2015 MasterCard.
Proprietary and Confidential
Page 7
Our point of view is that…
Consumer card account numbers will only be visible
on a physical card, and will be replaced everywhere
else by “payment” tokens
In the Cloud On a Mobile
Device
Stored Online
©2015 MasterCard.
Proprietary and Confidential
MasterCard is the world’s most advanced payment
network – our Open API suite is the bridge to it
Page 8
Wearable
Device
W
Web
App
Gas
Station
Android
IOS
PHP
Ruby
Java
Smartphone
In-Car
Entertainment
MasterCard
Open API
<?
developer.mastercard.com
@MasterCardDev
©2015 MasterCard.
Proprietary and Confidential
Page 9
For now, consumers prefer their banks and
card issuers as mobile wallet providers
Base: Own smartphone & likely to try a payments app
Source: Pheonix Marketing International, September 2014
21%
29%
33%
30%
55%
65%
71%
Google
Apple
Amazon
MNO (Net)
PayPal
Primary Card Issuer
Any Bank (Net)
“Which of the following companies would you
consider obtaining a mobile wallet from?”
©2015 MasterCard.
Proprietary and Confidential
Page 10
@MasterCardDev
developer.mastercard.com

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Globant webinar presentation on mobile payments may 2015 (1)

  • 1. ©2014 MasterCard. Proprietary and Confidential Globant Webinar Mobile Payments Mario Shiliashki, SVP / Group Head, Emerging Payments @ MasterCard May 21, 2015
  • 2. ©2014 MasterCard. Proprietary and Confidential journey to scale = everyday use
  • 3. ©2015 MasterCard. Proprietary and Confidential Page 3 Every connected device will become a commerce device Shop in store Shop in aisle Shop anywhere Shop at home Commerce is changing
  • 4. ©2015 MasterCard. Proprietary and Confidential The path to purchase Plastic Connected Devices Connected Devices Provide More Opportunity for Engagement and Commerce Pay: Swipe, dip, tap, type Secure: PIN / signature Communicate: Accept or decline Information: Check balance, status, search, compare, try Offers: Targeted offers, rewards Communicate: Connect, consult, share Before the purchase During the purchase After the purchase Pay: Tap, in-aisle, in-app, online Secure: Biometrics, alerts Redeem: Offers, rewards, coupons, shipping Communicate: Detailed transaction response Payment history: E-receipt, track, benchmark usage, auto-order, cross-sell, replenish Loyalty: Earn, keep, track, burn rewards Communicate: Record, share, celebrate Page 4
  • 5. ©2015 MasterCard. Proprietary and Confidential Page 5 Three pronged strategy critical to securing all channels Online Security Suite EMV Tokenization Dynamic security on device 1 2 3 Mobile Threats MDES
  • 6. ©2015 MasterCard. Proprietary and Confidential Page 6 Securing digital channels will unlock significant value • 80% of declined transactions are genuine or “false positive declines” • Resulting in negative reaction by genuine cardholders 96% Physical world Approval rate 80% Digital world Approval rate Fraud rate Card present rate Fraud rate 3x card present rate Objective: bring digital approval rates in line with current physical world approval rates
  • 7. ©2015 MasterCard. Proprietary and Confidential Page 7 Our point of view is that… Consumer card account numbers will only be visible on a physical card, and will be replaced everywhere else by “payment” tokens In the Cloud On a Mobile Device Stored Online
  • 8. ©2015 MasterCard. Proprietary and Confidential MasterCard is the world’s most advanced payment network – our Open API suite is the bridge to it Page 8 Wearable Device W Web App Gas Station Android IOS PHP Ruby Java Smartphone In-Car Entertainment MasterCard Open API <? developer.mastercard.com @MasterCardDev
  • 9. ©2015 MasterCard. Proprietary and Confidential Page 9 For now, consumers prefer their banks and card issuers as mobile wallet providers Base: Own smartphone & likely to try a payments app Source: Pheonix Marketing International, September 2014 21% 29% 33% 30% 55% 65% 71% Google Apple Amazon MNO (Net) PayPal Primary Card Issuer Any Bank (Net) “Which of the following companies would you consider obtaining a mobile wallet from?”
  • 10. ©2015 MasterCard. Proprietary and Confidential Page 10 @MasterCardDev developer.mastercard.com