Payments and tech are intrinsically linked. Whether you’re interacting with websites and desktop apps on your laptop, smartphone apps or NFC powered in-store terminals, or simple vending machines, payments are pervasive in every part of tech. This talk explores the payments landscape, and why this industry is becoming such a hotly competed battleground. We will discuss the challenges that face developers and entrepreneurs creating apps today, and how modern techniques like tokenization are revolutionising not only payments, but security and UX too.

1. @jna_sh
An Operating System of Payments

2. </speaker>
@jna_sh
@jna_sh

3. </speaker>
<talk>
@jna_sh
Developer Advocate

4. </speaker>
<talk>
@jna_sh
@Braintree_dev

5. </speaker>
<talk>
@jna_sh
Thanks for having me!

6. @jna_sh
Tokenization

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Payments

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Payment Methods

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User Experience

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Payments Industry

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1 in 6 payments online is facilitated
by PayPal.

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Just two years after the acquisition, Braintree has
more than $50B in Authorized Payment Volume in
2015 -- more than quadrupling our payment volume
in two years. In Q1 2014, just a few months after the
acquisition closed, Braintree had 56.5M cards on
file. In Q2 2015, Braintree has nearly tripled the
number of cards on file to 154M.

14. @jna_sh

15. @jna_sh
27% of online transactions are
through mobile.

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<talk>
@jna_sh
Payment Methods

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Fragmentation

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We don’t all pay the same.

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France: 57% Visa/MC/Amex

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Germany: 9% Visa/MC/Amex

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Digital Wallets

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User Choice

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Hard for Merchants

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Pain for Developers

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An issue of
USER EXPERIENCE

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Time spent in mobile apps grows
21% year on year.

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Most apps opened…

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ONCE.

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“Ever on the lookout for
engaging content, most
online viewers spend less
than 60 seconds at an
average site”

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Av. time in app:
103 seconds

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In contrast…

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Video Games

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<content>
@jna_sh
What makes video games
effective?

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Immersion

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Seamless

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Developers need immersion

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Magical Feeling

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70%

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Immersion is Fragile

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We’ve killed the magic.

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3 Problems.

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Variety of payment
methods.

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User Experience

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Security

63. @jna_sh
Tokenization!

64. @jna_sh
PCIDSS Recommended
security method

65. @jna_sh
Card Number
Verification
Expiration
Name
Postcode
1a472HDsab
ejmasiw8371
480isajlkarsi
742198ue

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70. </speaker>
<talk>
@jna_sh
User Experience

71. </content>
<content>
@jna_sh
Checkout hell

72. @jna_sh
Vault
Store a payment method

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76. @jna_sh@braintree_dev

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Payment Methods

78. @jna_sh
fGNyZWF0ZWRfYXQ9MjAxNS0wNi0wNFQyMToyMjoxMC41M
DIwNzk3MjYrMDAwMFx1MDAyNm1lcmNoYW50X2lkPWRjcHN
weTJicndkanIzcW5cdTAwMjZwdWJsaWNfa2V5PTl3d3J6cWsz
dnIzdDRuYzgiLCJjb25maWdVcmwiOiJodHRwczovL2FwaS5zY
W5kYm94LmJyYWludHJlZWdhdGV3YXkuY29tOjQ0My9tZXJja
GFudHMvZGNwc3B5MmJyd2RqcjNxbi9jbGllbnRfYXBpL3YxL2
NvbmZpZ3VyYXRpb24iLCJjaGFsbGVuZ2VzIjpbXSwiZW52aXJ
vbm1lbnQiOiJzYW5kYm94IiwiY2xpZW50QXBpVXJsIjoiaHR0c
HM6Ly9hcGkuc2FuZGJveC5icmFpbnRyZWVnYXRld2F5LmNv
bTo0NDMvbWVyY2hhbnRzL2RjcHNweTJicndkanIzcW4vY2xpZ
W50X2FwaSIsImFzc2V0c1VybCI6Imh0dHBzOi8vYXNzZXRzL
mJyYWludHJlZWdhdGV3YXkuY29tIiwiYXV0aFVybCI6Imh0dH
BzOi8vYXV0aC52ZW5tby5zYW5kYm94LmJyYWludHJlZWdhd
GV3YXkuY29tIiwiYW5hbHl0aWNzIjp7InVybCI6Imh0dHBzOi8v
Y2xpZW50LWFuYWx5dGljcy5zYW5kYm94LmJyYWludHJlZWd
hdGV3YXkuY29tIn0sInRocmVlRFNlY3VyZUVuYWJsZWQiOnR
ydWUsInRocmVlRFNlY3VyZSI6eyJsb29rdXBVcmwiOiJodHRw
Payment Method Nonce

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fGNyZWF0ZWRfYXQ9MjAxNS0wNi0wNFQyMToyMjoxMC41M
DIwNzk3MjYrMDAwMFx1MDAyNm1lcmNoYW50X2lkPWRjcHN
weTJicndkanIzcW5cdTAwMjZwdWJsaWNfa2V5PTl3d3J6cWsz
dnIzdDRuYzgiLCJjb25maWdVcmwiOiJodHRwczovL2FwaS5zY
W5kYm94LmJyYWludHJlZWdhdGV3YXkuY29tOjQ0My9tZXJja
GFudHMvZGNwc3B5MmJyd2RqcjNxbi9jbGllbnRfYXBpL3YxL2
NvbmZpZ3VyYXRpb24iLCJjaGFsbGVuZ2VzIjpbXSwiZW52aXJ
vbm1lbnQiOiJzYW5kYm94IiwiY2xpZW50QXBpVXJsIjoiaHR0c
HM6Ly9hcGkuc2FuZGJveC5icmFpbnRyZWVnYXRld2F5LmNv
bTo0NDMvbWVyY2hhbnRzL2RjcHNweTJicndkanIzcW4vY2xpZ
W50X2FwaSIsImFzc2V0c1VybCI6Imh0dHBzOi8vYXNzZXRzL
mJyYWludHJlZWdhdGV3YXkuY29tIiwiYXV0aFVybCI6Imh0dH
BzOi8vYXV0aC52ZW5tby5zYW5kYm94LmJyYWludHJlZWdhd
GV3YXkuY29tIiwiYW5hbHl0aWNzIjp7InVybCI6Imh0dHBzOi8v
Y2xpZW50LWFuYWx5dGljcy5zYW5kYm94LmJyYWludHJlZWd
hdGV3YXkuY29tIn0sInRocmVlRFNlY3VyZUVuYWJsZWQiOnR
ydWUsInRocmVlRFNlY3VyZSI6eyJsb29rdXBVcmwiOiJodHRw
Payment Method Nonce

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fGNyZWF0ZWRfYXQ9MjAxNS0wNi0wNFQyMToyMjoxMC41M
DIwNzk3MjYrMDAwMFx1MDAyNm1lcmNoYW50X2lkPWRjcHN
weTJicndkanIzcW5cdTAwMjZwdWJsaWNfa2V5PTl3d3J6cWsz
dnIzdDRuYzgiLCJjb25maWdVcmwiOiJodHRwczovL2FwaS5zY
W5kYm94LmJyYWludHJlZWdhdGV3YXkuY29tOjQ0My9tZXJja
GFudHMvZGNwc3B5MmJyd2RqcjNxbi9jbGllbnRfYXBpL3YxL2
NvbmZpZ3VyYXRpb24iLCJjaGFsbGVuZ2VzIjpbXSwiZW52aXJ
vbm1lbnQiOiJzYW5kYm94IiwiY2xpZW50QXBpVXJsIjoiaHR0c
HM6Ly9hcGkuc2FuZGJveC5icmFpbnRyZWVnYXRld2F5LmNv
bTo0NDMvbWVyY2hhbnRzL2RjcHNweTJicndkanIzcW4vY2xpZ
W50X2FwaSIsImFzc2V0c1VybCI6Imh0dHBzOi8vYXNzZXRzL
mJyYWludHJlZWdhdGV3YXkuY29tIiwiYXV0aFVybCI6Imh0dH
BzOi8vYXV0aC52ZW5tby5zYW5kYm94LmJyYWludHJlZWdhd
GV3YXkuY29tIiwiYW5hbHl0aWNzIjp7InVybCI6Imh0dHBzOi8v
Y2xpZW50LWFuYWx5dGljcy5zYW5kYm94LmJyYWludHJlZWd
hdGV3YXkuY29tIn0sInRocmVlRFNlY3VyZUVuYWJsZWQiOnR
ydWUsInRocmVlRFNlY3VyZSI6eyJsb29rdXBVcmwiOiJodHRw
Payment Method Nonce

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fGNyZWF0ZWRfYXQ9MjAxNS0wNi0wNFQyMToyMjoxMC41M
DIwNzk3MjYrMDAwMFx1MDAyNm1lcmNoYW50X2lkPWRjcHN
weTJicndkanIzcW5cdTAwMjZwdWJsaWNfa2V5PTl3d3J6cWsz
dnIzdDRuYzgiLCJjb25maWdVcmwiOiJodHRwczovL2FwaS5zY
W5kYm94LmJyYWludHJlZWdhdGV3YXkuY29tOjQ0My9tZXJja
GFudHMvZGNwc3B5MmJyd2RqcjNxbi9jbGllbnRfYXBpL3YxL2
NvbmZpZ3VyYXRpb24iLCJjaGFsbGVuZ2VzIjpbXSwiZW52aXJ
vbm1lbnQiOiJzYW5kYm94IiwiY2xpZW50QXBpVXJsIjoiaHR0c
HM6Ly9hcGkuc2FuZGJveC5icmFpbnRyZWVnYXRld2F5LmNv
bTo0NDMvbWVyY2hhbnRzL2RjcHNweTJicndkanIzcW4vY2xpZ
W50X2FwaSIsImFzc2V0c1VybCI6Imh0dHBzOi8vYXNzZXRzL
mJyYWludHJlZWdhdGV3YXkuY29tIiwiYXV0aFVybCI6Imh0dH
BzOi8vYXV0aC52ZW5tby5zYW5kYm94LmJyYWludHJlZWdhd
GV3YXkuY29tIiwiYW5hbHl0aWNzIjp7InVybCI6Imh0dHBzOi8v
Y2xpZW50LWFuYWx5dGljcy5zYW5kYm94LmJyYWludHJlZWd
hdGV3YXkuY29tIn0sInRocmVlRFNlY3VyZUVuYWJsZWQiOnR
ydWUsInRocmVlRFNlY3VyZSI6eyJsb29rdXBVcmwiOiJodHRw
Payment Method Nonce

85. </content>
<content>
@jna_sh
Genericity

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89. </speaker>
<talk>
@jna_sh
The most awesome bit?

90. </speaker>
<talk>
@jna_sh
Tokens are generic.

91. </speaker>
<talk>
@jna_sh
New payment methods?

92. </speaker>
<talk>
@jna_sh
No new code.

93. @jna_sh
gateway.transaction.sale({
amount: '20',
paymentMethodNonce:
parameters.payment_method_nonce
});

94. @jna_sh

95. </content>
<content>
@jna_sh
Thank you!

96. </speaker>
@jna_sh
@jna_sh

97. @jna_sh
Thanks_
Joe Nash
@jna_sh
joe.nash@getbraintree.com
lanyrd.com/profile/jna_sh/
linkedin.com/in/joednash
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