E bay 2011analystday_final2.
Source: http://files.shareholder.com/downloads/ebay/1167648124x0x440542/0b4b1525-691e-402a-b8e3-95ba02e4a382/eBay_2011AnalystDay_FINAL2.pdf
E bay 2011analystday_final2.
Source: http://files.shareholder.com/downloads/ebay/1167648124x0x440542/0b4b1525-691e-402a-b8e3-95ba02e4a382/eBay_2011AnalystDay_FINAL2.pdf
Discussion about how the move toward production and distribution of advertising assets in digital form is transforming the industry.
Moderated by: Jack Myers, Media Economist, Media Advisory Group
Andrew McLean, EVP - General Manager, Marketing & Business Development, Deluxe
Chris Lyons, WW Director Communications & Marketing, Kodak
Harold S. Geller, Chief Growth Officer, Ad-ID
Steve Hernandez, Director, Commercial Operations, NBCUniversal
AutoSuccess addresses the specific, researched needs of new car and light truck dealerships by providing entrepreneurial, cutting-edge, solution-based editorials to increase dealership profits and reduce expenses
AutoSuccess, magazine, sales, new, used, selling, salespeople, vehicle, dealer, dealership, leadership, marketing
For similar content visit http://www.autosuccesssocial.com/
Trabajo en grupo sistema nervioso autonomoPao Ashqui
El sistema nervioso autónomo o vegetativo es, pues, la parte del sistema nervioso relacionada con la regulación de las funciones de la vida vegetativa (respiración, digestión, circulación, excreción, etc.) que no está sometido a la voluntad. Como su nombre lo indica, es un sistema autónomo .
Beyond assisting doctors, Payment Automation Network, Inc. also specializes in helping all kinds of businesses increase their cash flow using next generation in technology. On this site business owners will find solutions that will help them increase the amount of money they collect from customers and decrease the time it takes to collect it!
•Pre-Authorized Checking
•Profit Recovery Service
•Checks by Phone
•Follow Up Marketing Program
•Loan Servicing
www.PaymentAutomation.net
Discussion about how the move toward production and distribution of advertising assets in digital form is transforming the industry.
Moderated by: Jack Myers, Media Economist, Media Advisory Group
Andrew McLean, EVP - General Manager, Marketing & Business Development, Deluxe
Chris Lyons, WW Director Communications & Marketing, Kodak
Harold S. Geller, Chief Growth Officer, Ad-ID
Steve Hernandez, Director, Commercial Operations, NBCUniversal
AutoSuccess addresses the specific, researched needs of new car and light truck dealerships by providing entrepreneurial, cutting-edge, solution-based editorials to increase dealership profits and reduce expenses
AutoSuccess, magazine, sales, new, used, selling, salespeople, vehicle, dealer, dealership, leadership, marketing
For similar content visit http://www.autosuccesssocial.com/
Trabajo en grupo sistema nervioso autonomoPao Ashqui
El sistema nervioso autónomo o vegetativo es, pues, la parte del sistema nervioso relacionada con la regulación de las funciones de la vida vegetativa (respiración, digestión, circulación, excreción, etc.) que no está sometido a la voluntad. Como su nombre lo indica, es un sistema autónomo .
Beyond assisting doctors, Payment Automation Network, Inc. also specializes in helping all kinds of businesses increase their cash flow using next generation in technology. On this site business owners will find solutions that will help them increase the amount of money they collect from customers and decrease the time it takes to collect it!
•Pre-Authorized Checking
•Profit Recovery Service
•Checks by Phone
•Follow Up Marketing Program
•Loan Servicing
www.PaymentAutomation.net
Breaking Out of a Circle of Scarcity: The Oregon Business Plan's Challenge f...The Oregon Business Plan
Sliding per capita income is leading to low investments in public services. Medicaid and Prison spending are squeezing out investments in education, further driving down personal incomes. Over the next decade the aging baby-boomers and an increasingly diverse population will put more pressure on government revenues. Oregon is trapped in a "circle of scarcity." Breaking out of it is the most important task for Oregon's business, elected and community leaders today.
Global Network of Payment Flows - Presentation at Commerzbank Cash ForumKimmo Soramaki
The presentation summarizes results from the research paper by Samantha Cook and myself on "The Global Network of Payment Flows" and discusses other applications of payment data for gaining business insights or for improving risk models.
Mobile Money in Indonesia: Landscape and Developments, 2015Jeffrey BAHAR
History, development of mobile money in Indonesia with detail analysis on its functionalities, segments served, service providers. Presented in Mobile Wallet 2015 Workshop, August 2015
Smartphones & Mobile Money: Principles for UI/UX Design (1.0)CGAP
CGAP holds that Smartphone interfaces are likely to become the main interface for mobile money use. A well-designed interface will drive growth, profitability, and a much improved user experience. This presentation outlines 21 principles for UI/UX design.
Devenir opérateur mobile et Internet sous votre marqueBisatel
Comment devenir opérateur mobile internet en Europe avec Bisatel MVNE / MVNO. Intégrateur et créateur de réseaux de télécommunications mobile et internet en Europe / Afrique / Asie.
Découvrez nos packs opérateurs mobile internet ici
Sous votre marque, fabriquez vos cartes sim, développez vos services de téléphonie mobile pour vos clients. Devenez opérateur mobile VoIP ou MVNO. Aucun matériel à acheter, antenne à installer. Bisatel gère toute l’infrastructure pour vous. Les communications passent par les réseaux mobiles existants. Comment ça marche ?
Créez vos applications pour smartphone avec notre aide ou utiliser une application Bisatel prête à l’emploi. Comme avec Skype, whatsapp, offrez à vos clients de nombreux services gratuits ou payants. Voix, sms, vidéo, transfert d’argent par mobile etc.
Investissement minium pour une forte rentabilité. Bisatel met à votre disposition ses réseaux de téléphonie mobile, serveurs, plateforme de gestion client vous permettant de vendre des lignes fixes, VoIP, Trunk, ADSL internet.
ENTREPRISE :
Pour les entreprises découvrez les solutions Cloud VoIP permettant de réaliser de nombreuses économies. Plus de standard à gérer et maintenir, des prix sur les appels très compétitifs. Téléphoner moins cher qu’avec les opérateurs mobiles internet historiques ou classiques.
Vous avez une entreprise ou souhaitez créer une entreprise dans le secteur des télécommunications.
Bisatel vous accompagnera tout au long de votre projet, administratif, juridique pour l’obtention de licence si nécessaire, technique et ingénierie. Bisatel vous formera a l’utilisation de ses plateformes de gestion de réseaux mobile et internet GSM, 3G, 4G et bientôt les réseaux de nouvelle génération 5G….
Mobile Money: Marché, Acteurs et TendancesLandry DJIMPE
Quelques "insights" sur le marché, les acteurs et les tendances du Mobile Money en Afrique.
Présentation faite par Jean-Louis TRAORE lors du lancement de WeCashUp.
An immersive workshop at General Assembly, SF. I typically teach this workshop at General Assembly, San Francisco. To see a list of my upcoming classes, visit https://generalassemb.ly/instructors/seth-familian/4813
I also teach this workshop as a private lunch-and-learn or half-day immersive session for corporate clients. To learn more about pricing and availability, please contact me at http://familian1.com
3 Things Every Sales Team Needs to Be Thinking About in 2017Drift
Thinking about your sales team's goals for 2017? Drift's VP of Sales shares 3 things you can do to improve conversion rates and drive more revenue.
Read the full story on the Drift blog here: http://blog.drift.com/sales-team-tips
E-Commerce - Presentation by Thierry Petit, Founder & CEO of Showroomprive at the NOAH 2012 Conference in San Francisco, Four Seasons Hotel on the 26th of June. www.noah-conference.com
Handling the boom in international commerceX.commerce
The world’s two billion Internet consumers are accessing U.S. markets through the web more than ever. In fact, one in ten U.S. ecommerce transactions already comes from international consumers. How have retailers been responding to this lucrative change in the landscape? What APIs, development languages, and payment technologies work best when dealing with foreign terms, currencies, and shipping implications?
2. This presentation may make forward-looking statements relating to our future performance that
are based on our current expectations, forecasts and assumptions and involve risks and
uncertainties. These statements include, but are not limited to, statements regarding expected
financial results for the third quarter of 2009, and anticipated future stability and growth in the
Marketplaces business unit.
Our actual results may differ materially from those discussed in this call for a variety of reasons,
including, but not limited to, the impact of recent global economic events and the global
economic downturn; foreign-exchange-rate fluctuations; changes in political, business, and
economic conditions; the impact and integration of recent and future acquisitions; the impact of
divestitures; our increasing need to grow revenues from existing users in established markets;
an increasingly competitive environment for our businesses; the complexity of managing an
increasingly large enterprise, with a broad range of businesses, our need to manage regulatory,
tax, IP and litigation risks (including risks specific to PayPal, Bill Me Later and the financial
industry, and risks specific to Skype’s technology and to the VoIP industry); and our need to
upgrade our technology and customer service infrastructure at reasonable cost while adding
new features and maintaining site stability.
You can find more information about factors that could affect our operating results in our most
recent annual report on our Form 10-K and our subsequent quarterly reports on Form 10-Q
(available at http://investor.ebay.com). You should not unduly rely on any forward-looking
statements, and we assume no obligation to update them. All information in the presentation is
as of July 22, 2009, and we do not intend, and undertake no duty, to update this presentation.
2
10. Unmatched advantages & network effects
Internet Fraud
technology expertise
PayPal
network
effects
Closed-loop Global
data connections
10
11. Growth in active accounts
+23% TPV growing+20%
+23%
+16%
+16% 2-3X faster
than
competitors
49.4
3649.4 $48 57.3 $60 70.4
57.3 Billion
70.4 62.6 75.4
llionMillion $48 Million
Billion
$60
Million Million Million
Million Million
Billion Million
Billion
2006 2007 2008 Q208 Q209
11
12. Strong TPV growth with tremendous opportunity
TPV Growing 2-3X
Faster than Competitors
$16.7b in
Q209 $100-
120
BILLION
$36 $48 $60
Billion Billion Billion
2006 2007 2008 2011
12
13. How we’ll get there
Global eBay
Global
Merchant Adjacent
Services payments
13
15. Penetration growing on eBay
73-78% 2011
64.4% Q209
eBay Seller Coverage
global penetration
58% 2008
SHARE
Consumer Preference
15
16. Significant opportunity in international markets
2008 eBay aGMV & PayPal penetration*
$29B
$24B
79%
41%
North America International
16
*Includes shipping and handling
18. Gaining share in Global Merchant Services
8-9% 2011
Merchant Coverage
5% 2008
SHARE
Consumer Preference
18
19. Success across merchant segments
eCommerce volume PayPal TPV
2006-08 CAGR
Large
merchants 130%
77%
Small/
medium 71%
businesses
17%
Sole 33%
proprietors
6%
Total 54%
19
20. Serving the worlds largest online brands
PP # of top 50
online merchants
US 21+
W Europe 13+
Asia 25+
20
21. Opportunity in NA and International markets
North America International
$460-
480
Billion
$305- $293
Billion
$237 315
Billion
Billion
2008 2011 2008 2011
Share 9% 13-14% 2% 5-6%
21
22. Bill Me Later complements PayPal
• Helps PayPal drive coverage
& preference
• Helps merchants drive sales
22
23. Sales lift for merchants
Sales lift through
promotional
offers
23
26. BML risk management
Portfolio Balance: $553M*
Avg. Customer Net Charge-Offs as %
Risk-Adjusted Margin** of Receivables
FICO Score
3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09
• Risk-adjusted margin at 10.3% • Continued trend of high-quality • Net charge-off rate at 11.1%
• Reduced consumer demand and customer acquisitions • Credit write-offs have increased,
higher credit standards drove • Underwriting approach will remain average receivables have declined
decline in average receivables cautious for foreseeable future
• Margin % and margin trend remain
favorable to credit card industry
results
*Gross receivables balance as of 6/30/09
**We define Risk-Adjusted Margin as the annualized ratio of total revenues less cost of funds less net credit and fraud losses
relative to average annualized loan receivables for the 3-month period 26
Note: Risk-adjusted margin for Q4’08 as shown in the Earnings Release captures data from the acquisition date (Nov. 7, 2008) to
quarter-end, and as such is ~1.5pts higher than the full quarter’s risk-adjusted margin
27. Significant PayPal – BML synergies
Grow eBay GMV
Accelerate merchant
sales cycle
Speed Bill Me Later
consumer acquisition
Turn transaction
expense into revenue
Decrease Bill Me Later
fraud losses
Reduce Bill Me Later
cost of capital
27
29. Many sectors need payment solutions
Mobile &
Mobile &
other devices
other devices Banks
Banks
Businesses with
Businesses with
specialized
specialized Governments
Governments
payment needs
payment needs
Social networks
Social networks
Non-profits
Non-profits
29
30. PayPal platform enables developers
225k+
developers
100k+
developers
660k+
developers
Millions of
.NET developers
Platform
PayPal global Internet payments network
30
31. Tremendous growth ahead: TPV
Global Total Payment Volume
$100-120B
Adjacent
% Payments
- 26 R
18 AG
C
Global
$60B Merchant
Services
eBay
2008 2011
32. Tremendous growth ahead: metrics
Global take rate Transaction expense Transaction Losses
Great deals for Consumer funding choice Risk management
merchants
‘05 ‘06 ‘07 ‘08 Future ‘05 ‘06 ‘07 ‘08 Future ‘05 ‘06 ‘07 ‘08 Future
stable declines stable / down
… ~60% transaction margin business
33. Tremendous growth ahead: margins
2009-10: margin decrease due to
BML integration
Medium term: margins return to 18-20%
Longer term: margin expansion as the
business scales over investments
33
34. Tremendous growth ahead: revenue
2009-2011
CAGRs
BML/Adjacent pmts
40% range
Merchant Services
30% range
$2.4 $4-5 On eBay
low single digits
BILLION BILLION
2008 2011
34
35. An evolving industry
1 Powering global eCommerce
2 Unmatched advantages
3 Significant opportunity ahead
35