The document provides an overview of the methodology used in market reports on the global online payment market. It discusses secondary market research sources and definitions used. It also outlines the structure and contents of the report, including sections on global developments, regional analyses of advanced and emerging markets, definitions of terms, charts, and a table of contents.

2. © Copyright 2015 ystats.com GmbH & Co. KG, 22765 Hamburg, Germany 2

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4. 4
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

5. 5
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers the global online payment market. It takes into account a wide definition of online payment, including payment methods used in online
shopping and mobile payment, such as remote and in-store (proximity) payments.
 Major B2C E-Commerce markets in all global regions are covered, including advanced and emerging, while data availability varied across the countries.
 The report includes data mostly published within 2017. The exact date of publication of the source is stated on each chart. The time period which the data refers
to differs by source.
Report Structure
 The global chapter opens the report, featuring an overview of global online and mobile payment developments.
 The rest of the report is divided by regions presented in the descending order of B2C E-Commerce sales. Within each region, the countries are grouped by
advanced and emerging markets, where applicable, and ranked by online sales. Furthermore, where available, regional information was also included.
 Depending on data availability, the following types of market information are included: payment methods most used by online and mobile shoppers, breakdown
of E-Commerce sales by payment methods, number and value of online/mobile payment transactions, rankings of online and mobile payment providers, mobile
payment usage and consumer awareness of mobile payment services. Not all the mentioned types of information are available for each of the covered
countries. For the top 5 countries leading worldwide in terms of B2C E-Commerce sales, also online and mobile payment trends and news about major players,
such as payment providers, banks and retailers are presented on text charts.

6. 6
DEFINITIONS
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for product and service
purchased in (B2C) E-Commerce and M-Commerce.
 MOBILE PAYMENT
A wide definition of mobile payments includes remote payments made remotely in M-Commerce and proximity payments made in-
store, such as via QR code scanning and NFC technology.
 MOBILE PROXIMITY
PAYMENT
A mobile payment where the merchant and the consumer are present in the same location and the interaction between the
consumer’s device (card, mobile device) and the POS is conducted using a proximity technology (e.g. NFC).
 NFC
Near Field Communication is a set of standards for smartphones and similar devices to create radio communication by bringing them
close together or having them touch each other. In that way, contactless data exchange and transactions can take place.
 ALTERNATIVE
PAYMENTS
Generally refers to payment methods other than credit card or bank card payments. Widely defined, alternative online payment
methods include bank transfers and direct debit, digital wallets, pre-paid cards and private label cards, invoice, and digital currency.
May also include cash on delivery and card schemes by local companies other than global card brands.
 E-WALLET
A digital account with a stored money value or connected to funds in a bank account or payment card, which can be used for payment
in online or mobile transactions. The examples of E-Wallets include Alipay and PayPal.
 MOBILE WALLET
A software solution that enables consumers to store payment credentials, such as credit or debit card information, and use the stored
credentials to pay digitally for transactions made in-store, online or via mobile. Mobile wallets are installed on mobile devices which
are used to complete payments. The examples of mobile wallets include Apple Pay, Samsung Pay and Android Pay. Mobile wallets
are often included in the broader category of E-Wallets.
 BIOMETRIC
AUTHENTICATION
Any means by which a person can be uniquely identified based on evaluation of one or more distinguishing biological traits, e.g.
fingerprint, voice, retina/iris scan, and facial recognition.
 BLOCKCHAIN
A distributed ledger in which transactions are grouped into blocks, and each of the blocks is chained to the previous block. The blocks
are documented across a network relying on cryptographic trust and other mechanisms. A marking characteristic of blockchain is
absence of central authority, with an update possible only through a consensus of the participants’ majority.
 INSTANT PAYMENTS
Electronic payment solutions for retail which are available 24/7/365 and thus result in immediate or close-to-immediate interbank
clearing of transactions and crediting of the payees’ accounts and confirm the payment to the payer after payment initiation.
 B2C E-COMMERCE The sale of products (and services) through electronic transactions via the Internet from businesses to consumers.
 M-COMMERCE M-Commerce, also called “Mobile Commerce”, means the sale of products (and services) through transactions via mobile devices.
The following expressions and definitions are used in this Online Payment market report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the respective
charts

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TABLE OF CONTENTS (1 OF 15)
1. Management Summary
2. Global Developments
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Q1 2017
• Card Spending, in USD trillion, and Breakdown by POS and E-Commerce, in %, 2015 & 2021f
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2021f
• Top Two Payment Methods Preferred in Cross-Border Online Shopping, in % of Cross-Border Online Shoppers, 2016 & 2017
• Reasons For Not Shopping Online, incl. Payment-Related, in % of Internet Users Who Do Not Shop Online, Q1 2017
• FinTech Adoption Rate, in % of Internet Users, by Selected Countries, 2017
• Most Used FinTech Services According to Internet Users, in %, 2017
• Most Relevant Emerging Technologies for Large FinTech and Financial Companies to Invest In, in % of Respondents in Each Group,
April 2017
• Entities Expected to Be The Most Disruptive in FinTech in the Next Five Years According to Financial Services and FinTech Executives,
in %, 2017
• Top 10 VC-Backed FinTech Unicorns by Valuation, in USD billion, Q3 2017
• Expected Annual ROI According to Financial Services and FinTech Executives, in %, 2017
• Mobile Payment User Penetration, in % of Internet Users, by Regions, Q4 2015 & Q2 2017
• Share of Internet Users Who Are Likely To Use Mobile Payment Next Year, in % of Internet Users, by Selected Countries, Q1 2017
• Penetration of Bank Account Holders Willing to Share Personal Financial Data with Third-Party Providers to Use Their Services, in %, by
Selected Countries, August 2017
• Breakdown of the Number of Transactions/Purchases by Payment Methods, in %, as Perceived by Businesses and by Consumers, 2016
• Factors Most Important to Consumers in Deciding to Use Mobile Payments, in %, 2016
• Share of Internet Users Who Believe That Mobile Payment is Not Secure, in %, October 2016
• Mobile Payment Security Features Demanded by Consumers and Implemented by Businesses, in %, 2016
• Attitudes Towards Mobile Payment and Mobile Money, in % of Consumers, by Developed and Developing Markets, 2016
• Contactless Payment Transaction Value, in USD billion, 2017e & 2019f
• Number of Contactless Payment Users of Apple Pay, Samsung Pay and Android Pay, in millions, 2015 - 2017e
• Apple Pay User Penetration Compared to Overall Mobile Payment User Penetration, in % of Internet Users, by Penetrated Markets, Q2
2017

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TABLE OF CONTENTS (2 OF 15)
3. Asia-Pacific
3.1. Regional
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2017e
• Breakdown of General Payment Methods Used Most Frequently, in % of Consumers, August 2017
• Top 3 Mobile Payment Services Used by Internet Users, by Selected Countries, incl. India, Indonesia, Philippines, South Korea and
Thailand, in % of Internet Users, Q2 2017
• Top Considerations in Online Shopping, incl. Payment-Related, in % of Consumers, November 2016
3.2. Advanced Markets
3.2.1. Japan
• Online and Mobile Payment Trends, January 2018
• Online and Mobile Payment Trends, August 2017
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016
• Top 3 Uses of Credit Card, in % of Credit Card Holders, 2016
• Awareness and Usage of E-Money Services and Smartphone Payment Services, in % of Smartphone Users, November 2017
• Mobile Payment User Penetration, in % of Individuals, May 2014, November 2015 & November 2016
• Reasons For Using Smartphone Payment, in % of Smartphone Payment Users, March 2017
3.2.2. South Korea
• Payment Methods Used in E-Commerce, in % of Online Shoppers, October 2016
• Daily Average Personal Credit Card Payment Value by Major Consumption Types, incl. Online and Home Shopping, in KRW billion, H1
2016 - H1 2017
• Daily Average Value of Mobile Card Payments, in KRW billion, H1 2015 - H1 2017
• Top 5 Mobile Payment Services by Payment Volume, in KRW billion, January-August 2017
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2018f
• Reasons for Using Convenient Payment Services, in % of Users, October 2016
3.2.3. Australia
• Breakdown of Online Payments by Payment Method, in %, 2013 & 2016
• Breakdown of Online Payments by PC/Tablet and Mobile, in %, 2013 & 2016

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TABLE OF CONTENTS (3 OF 15)
3. Asia-Pacific (Cont.)
3.2. Advanced Markets (Cont.)
3.2.3. Australia (Cont.)
• Breakdown of Card Fraud by Type, incl. Card-Not-Present, in AUD million, 2011 – 2016
• Share of Individuals Who Experienced Credit Card Fraud After Shopping Online, in %, November 2016
3.2.4. Singapore
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2016
• Share of Cards and Digital Wallets in E-Commerce Sales, in %, 2013 & 2017e
• Share of Credit Card Holders Who Used Mobile Wallets to Make Payments from Credit Card, 2016 & 2017
3.3. Emerging Markets
3.3.1. China
• Online and Mobile Payment Trends, January 2018
• Online and Mobile Payment Trends, August 2017
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016
• Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, 2012 – 2016 & June 2017
• Third-Party Online Payment Volume, in CNY trillion, by Two Comparative Estimates, Q1 2016 – Q2 2017
• Breakdown of Third-Party Online Payment GMV by Players, in %, by Two Comparative Estimates, Q2 2017
• Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, 2014 - 2016 & June 2017
• Third-Party Mobile Payment Volume, in CNY trillion, by Two Comparative Estimates, Q1 2016 – Q2 2017
• Breakdown of Third-Party Mobile Payment GMV by Players, in %, by Two Comparative Estimates, Q2 2017
• Payment Methods Used for In-Store Purchases, in % of Internet Users, June 2017
• Selected Mobile Payment Services Used Regularly to Make Payments, in % of Urban Consumers, 2017
3.3.2. India
• Payment Methods Used in E-Commerce, in % of Generation Z Online Shoppers, June 2017
• Share of Urban Online Shoppers Who Switched from Cash on Delivery to Online Payment Methods Following Demonetization, in % of
Online Shoppers, 2017

10. 10
TABLE OF CONTENTS (4 OF 15)
3. Asia-Pacific (Cont.)
3.3. Emerging Markets (Cont.)
3.3.2. India (Cont.)
• Breakdown Payment Methods Preferred in E-Commerce, in % of Urban Online Shoppers, 2017
• Number of RuPay Card Transactions, in millions, and Value, in INR billion, by POS and E-Commerce, FY 2014/2015 - FY 2016/2017
• Share of Digital and Mobile Wallets in E-Commerce Sales, in %, 2013 & 2017e
• Value of Payment Transactions by Selected Non-Cash Payment Methods, in INR billion, and Volume, in millions, incl. Mobile Wallets, FY
2014-2015 - FY 2016-2017
• Number of Mobile Payment Transactions, in billions, and Value, in INR trillion, FY 2016 - FY 2022f
• Breakdown of Mobile Payment Transaction Value by Segment, in %, FY 2017e
• Mobile Wallet Transaction Value, in USD billion, FY 2015 & FY 2017
3.3.3. Indonesia
• Top 3 Payment Methods Used in E-Commerce, in % of Internet Users, 2016
• Credit Card Uses, in % of Banked Adults Interested in Owning a Credit Card, March 2017
3.3.4. Thailand
• Payment Methods Used in E-Commerce, by Number of Online Shoppers and Percentage of Online Shoppers, Q1 2016
• Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2017
3.3.5. Vietnam
• Breakdown of Payment Methods Used in E-Commerce, in % Online Shoppers, August 2016
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2015 & 2016
3.3.6. Malaysia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, February 2017
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, November 2016

11. 11
TABLE OF CONTENTS (5 OF 15)
4. Europe
4.1. Regional
• Online Payment Regulatory Trends, July 2017
• Breakdown of E-Commerce Spending in the EU by Payment Methods Considering PSD2 and Instant Payment Introduction, in %, 2012,
2017f, 2020f, 2022f, 2027f
• Top 10 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Top 3 Criteria for Choosing a Payment Method, in % of Online Shoppers, 2016
• Concerns That Internet Users in the EU Have About Using The Internet for Online Banking or Buying Things Online, in % of Internet
Users, June 2013 & June 2017
• External Disruptors in European Payment Environment, in % of Payment Industry Experts, March 2017
• Overview of PSD2 Implementation Timeline, January 2018
• Mobile Payment Transactions, in EUR billion, 2016 & 2021f
4.2. Advanced Markets
4.2.1. UK
• Online and Mobile Payment Trends, January 2018
• Online and Mobile Payment Trends, July 2017
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, February 2017
• Top 3 Payment Methods Used in E-Commerce, in % of Internet Users, 2017
• Top 3 Reasons for Checkout Abandonment, in % of Internet Users, 2017
• Online Card Payment Statistics for UK Businesses, incl. Online Card Spending, in GBP billion, Share of Total Card Spending, in %, 2014
– 2016
• Online Spending With UK-Issued Cards, in GBP billion, 2015 & 2016
• Share of Consumers Willing to Give Online Retailers Permission to Initiate Payments Directly From Their Bank Account Using Apps or
Websites, in %, by Total Consumers, Millennials and Generation Z, August 2017
• Reasons for Not Shopping Online, incl. Payment-Related, in % of Adults Who Have Not Purchased Online, by Age Group, Q1 2017
• Card-Not-Present Purchase Fraud Loss on UK-Issued Cards, by E-Commerce, Mail Order and Telephone Order and Total Remote, in
GBP million, and Share of Total Card Purchase Fraud Loss, in %, 2011 - 2016 & H1 2017
• Proximity Mobile Payment Users Number, in millions, and Penetration, in % of Smartphone Users, 2016 -2021f

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TABLE OF CONTENTS (6 OF 15)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.1. UK (Cont.)
• Breakdown of Frequency of Using Mobile Phone to Make Contactless Payments In-Store, in % of Smartphone Users, By Age Group,
Gender and Total, 2016
4.2.2. Germany
• Online and Mobile Payment Trends, January 2018
• Online and Mobile Payment Trends, July 2017
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, by Ranked First and Ranked Between First and Fifth, 2016
• Payment Methods Used in Online Shopping, in % of Online Shoppers, 2016
• Breakdown of B2C E-Commerce Product Sales by Payment Methods, in %, 2015 & 2016
• Factors Important to Online Shoppers When Choosing a Payment Method, in % of Online Shoppers, 2016
• Payment Methods Offered, in % of Top 1,000 Online Shops, 2015 & 2016
• Most Important Payment Trends for the Next 3 Years According to Online Merchants, in % of Online Merchants, 2017
• Breakdown of Implementation of Express Checkout Solutions, in % of Online Merchants, 2017
• Share of Consumers Who Have Used Payment via Smartphone, in %, and Share of Non-Users Who Could Imagine Paying With a
Smartphone in the Future, in %, April 2017
• Breakdown of Mobile Payment Usage, in % of Smartphone Users, Q4 2016/Q1 2017
• Breakdown of Optimization of Payment Process for Mobile, in % of Online Merchants, 2017
• Top 10 Most Known Payment Providers, in % of Smartphone Users, Q4 2016/Q1 2017
4.2.3. France
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
• Breakdown of B2C E-Commerce Product Sales, in %, 2016
• Breakdown of Main Barriers That Make Consumers Hesitant to Purchase Online, in %, by Total Population and Online Shoppers, June
2017
• Mobile Payment User Penetration, in % of Smartphone Users, March 2017
• Breakdown of Belief in That Smartphone Will Become the Main Mean of Payment by 2025, by Payment Amount, in %, December 2016

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TABLE OF CONTENTS (7 OF 15)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.4. Spain
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers, October 2017
• Share of Banked Consumers Who Installed Mobile Payment Apps, in %, December 2016
4.2.5. Italy
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of Number of Online Purchase Transactions by Payment Methods, by Purchase of Physical Products and of Digital Goods
and Services, in %, Q1 2017
• Breakdown of Awareness and Usage of New FinTech Services, in % of Internet Users, 2017
• Online and Mobile Retail Payment Value by Segment, in EUR billion, and Year-on-Year Change, in %, 2016
4.2.6. Netherlands
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of Online Purchases by Payment Methods, in %, 2015 & 2016
4.2.7. Sweden
• Payment Methods Used and Preferred in Online and Mobile Shopping, in % of Online Shoppers, Q2 2017
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Q3 2011 -2012, Q4 2013 - 2016
• Awareness and Usage of Mobile Payment Solutions, in % of Internet Users, Q2 2017
4.2.8. Switzerland
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Top 5 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
• Mobile Payment User Penetration, by Current User and Potential Use, in % of Consumers, August 2017
4.2.9. Belgium
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017

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TABLE OF CONTENTS (8 OF 15)
4. Europe (Cont.)
4.2. Advanced Markets (Cont.)
4.2.9. Belgium (Cont.)
• Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, April 2017, and Change Compared to 2016 and 2011
• Share of Consumers Who Paid With a Smartphone In-Store, in % of Consumers, April 2017
4.2.10. Austria
• Awareness and Usage of Payment Methods in E-Commerce, in % of Online Shoppers, January 2017
4.3. Emerging Markets
4.3.1. Russia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2014 – 2016
• Payment Methods Used in E-Commerce, in % of Active Internet Users, H1 2017
• Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2017
• Breakdown of Last Online Purchase by Payment Method, in %, 2016 & 2017
• Number of Websites Accepting Online Payment, in thousands, and Types of Online Payment Services Used, in % of Websites Accepting
Online Payment, 2015 & 2016
• Top 10 Online Payment Solutions Used, in % of Websites Accepting Online Payment, 2015 & 2016
• Breakdown of Awareness of Cryptocurrencies, in % of Adults, July 2017
• Breakdown of Perception of Cryptocurrencies, in % of Adults Who Heard About Cryptocurrencies, in %, July 2017
• Types of Goods and Services Paid for Via Apple Pay and/or Samsung Pay, in % of Internet Users in Large Cities, March 2017
4.3.2. Poland
• Payment Methods Used in E-Commerce, in % of Individuals, 2015 & 2016
• Payment Methods That Encourage Online Shoppers to Purchase Online, in % of Online Shoppers, April 2017
4.3.3. Turkey
• Payment Methods Used in E-Commerce, in % of Online Shoppers, January 2017
• Number of Domestic E-Commerce Transactions with Bank Cards, in millions, and Value, in TRY million, Q1 2015 – Q3 2017

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TABLE OF CONTENTS (9 OF 15)
4. Europe (Cont.)
4.3. Emerging Markets (Cont.)
4.3.3. Turkey (Cont.)
• Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2015 – Q3
2017
4.3.4. Portugal
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
4.3.5. Czech Republic
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Share of Online Shoppers Using Debit/Credit Card to Pay for Online Purchases, in %, 2016
5. North America
5.1. Regional
• Share of Consumers Using Mobile Payment Apps at Least Weekly, by Apps from Retailers and Other Apps, 2016 & 2017
• Breakdown of Current and Planned Mobile Payment Solutions Acceptance, in % of Retailers, February 2017
5.2. USA
• Online and Mobile Payment Trends, February 2018
• Online and Mobile Payment Trends and News About Players, August 2017
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, February 2017
• Ways in Which Fear of Hacking Has Influenced Online Shopping Behavior, in % of Online Shoppers, January 2017
• E-Commerce Website Types Most Trusted with Financial Information When Shopping Online, in % of Online Shoppers, January 2017
• Share of Consumers Who Are Worried About Their Personal Information When Using a Mobile Payment App, in %, 2015 – 2017
• Number of Adults Who Have Their Payment Card Information Stored on at Least One Website or Mobile App for Future Purchases, and
Who Always Save Their Card Information Online, in millions, May 2017
• Awareness and Usage of Emerging Technologies in Shopping, incl. Mobile Payment, in % of Consumers, July 2017
• Mobile Payment Transactions, in USD billion, 2011, 2016 & 2021f

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TABLE OF CONTENTS (10 OF 15)
5. North America (Cont.)
5.2. USA (Cont.)
• Proximity Mobile Payment Transaction Value, in USD billion, 2016 - 2021f
• Mobile Payment Apps Used for Making Payments In Store, in % of In-Store Mobile Payment Users, February 2017
• Mobile Payment Apps Used for Preordering Food or Coffee, in % of Users, February 2017
• Mobile Wallets Used, in % of Internet Users, July 2017
• Digital and Mobile Payment Methods Used, in % of Online Shoppers, by Generation Y and Generation Z, March 2017
• Breakdown of Preferred Mobile Wallet Providers, in % of Current Mobile Wallet Users, Interested Non-Users and Total, January 2017
• Issuer Mobile Wallet Ownership, in % of Banked Smartphone Users, and Issuer Mobile Wallet Apps Used, in % of Issuer Wallet App Users,
January 2017
• Merchant Mobile Wallet Ownership, in % of Banked Smartphone Users, and Merchant Mobile Wallet Apps Used, in % of Merchant Wallet
App Users, January 2017
• Share of Banked Smartphone Users Who Own Apple Pay, Samsung Pay or Android Pay Wallets, and Breakdown of the “Pays” Owned, in %
of “Pays” Owners, January2017
• Penetration of Apple Pay, Android Pay and Samsung Pay, by Enrolled, Have Used and Frequent Users, in % of Compatible Device Owners,
January 2017
• Types of Mobile Payments Made, in % of Banked Smartphone Users, January 2017
• Most Important Features in Money Transfer or Payment Applications and Services, in % of Adults, July 2017
• P2P Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2016 -2021f
• Share of Adults Who Used Online or Mobile P2P Payment in the Previous 12 Months, 2013 - 2021f
• P2P Payment Services Used, in % of Users, 2017
• Voice Payment Users, in millions, and Penetration, in % of Adults, 2017 - 2022f
• Breakdown of Voice Assistants Trusted to Securely Make a Payment, in % of Adults, April 2017
5.3. Canada
• Top 3 Payment Methods Preferred in E-Commerce, in % of Respondents, March 2017
• Breakdown of E-Commerce Sales by Payment Systems, in %, 2015 & 2016
• Breakdown of Total Payment Volume, in millions, and Value, in CAD million, by Payment Methods, incl. Online Transfers, 2015 & 2016
• Share of Online Shoppers Who Have Used Mobile Payment or Digital Wallet Service to Make a Purchase, in %, 2016 & 2017
• Share of Internet Users Who Store Personal Credit Card Information with a Mobile App or E-Commerce Site, in %, by Age Group, April 2017

17. 17
TABLE OF CONTENTS (11 OF 15)
5. North America (Cont.)
5.3. Canada (Cont.)
• Share of Cardholders Who Loaded Credit/Debit Card Information on Their Mobile Phone/Wallet, in %, 2017
• Awareness of Contactless Payment Methods, in % of Credit/Debit Cardholders, H1 2017
• Breakdown of Contactless Card Payment Users and Apple Pay Users by Age Group, in %, Q2 2017
• Share of Internet Users Who Installed an E-Wallet Mobile App, in %, by Age Group, April 2017
• Share of Smartphone Users Indicating Security Concerns as a Hindrance to Making Mobile Payments, in %, by Age Group, May 2017
• Motives to Use Mobile Wallet as a Primary Payment Method, in % of Mobile Payment Users, September 2016
6. Latin America
6.1. Regional
• Breakdown of E-Commerce Sales by Payment Methods, in%, 2017e
• Share of Mobile Shoppers Who Use Mobile Wallets to Pay for Products/Services Purchased via Mobile Device, in %, by Brazil, Chile,
Colombia, Mexico and Peru, August 2016
• Use of Second Factor Authentication Systems in E-Commerce, incl. Methods Used and Attitude, in % of Banked Online Shoppers, by
Selected Countries, 2017
6.2. Brazil
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
• Breakdown of the Number of Payment Installments Used, in % of Online Shoppers, 2016 & 2017e
• Share of Top 10 B2C E-Commerce Payment Methods of Orders Placed and Approved Orders, in %, and Approval Rate by Payment
Method, in %, Q1 2017
• Breakdown of Payment Methods Used in the Last Online Purchase from International Site, in % of Cross-Border Online Shoppers, 2013 -
2016
• Reasons to Give Up an Online Purchase, in % of Online Shoppers, June 2017
• Factors Important for the Decision to Purchase in E-Commerce, incl. Payment-Related, in % of Online Shoppers, April 2017
• Reasons For Using Boleto Bancario, in % of Online Shoppers Who Use Boleto Bancario, July 2017
• Breakdown of Online Shoppers Who Pay with Boleto Bancario by Gender and Age Group, in %, July 2017
• Payment Methods Used in M-Commerce, in % of Mobile Shoppers, September 2017

18. 18
TABLE OF CONTENTS (12 OF 15)
6. Latin America (Cont.)
6.3. Mexico
• Online Payment Methods Used in E-Commerce, by Device Used, in % of Online Shoppers, August 2017
• Offline Payment Methods Used in E-Commerce, by Device Used, in % of Online Shoppers, August 2017
• Payment Methods Used in E-Commerce, in % of Online Shoppers, December 2016
• Reasons for Not Shopping Online, in % of Internet Users Who Do Not Shop Online, December 2016
• Share of E-Commerce of Total Payments with Credit and Debit Cards, in %, 2016
• Breakdown of E-Commerce Card Payment Transactions by Credit Card and Debit Card, in %, 2016
• Number of Authorized Payment Transactions on E-Commerce Websites, in millions, Value, in MXN billion, and Authorization Rate, in %
of Transactions and in % of Transaction Value, by Credit Cards and Debit Cards, Q1 2016 – Q3 2017
• Chargeback Rate, in % of Number of Authorized Payment Transactions on E-Commerce Websites and in % of Their Value, by Credit
Cards and Debit Cards, Q1 2016 – Q3 2017
• Share of Online Shoppers Who Stored Information With an Online Merchant and Type of Information Stored with an Online Merchant, in
% of Online Shoppers, 2016 & 2017
• Reasons for Not Storing Credit/Debit Card Information With Online Shops, in % of Online Shoppers, 2016 & 2017
• Top 5 Most Important Aspects in E-Commerce Payments, in % of Online Shoppers, February 2017
• Payment App and Wallet Penetration, in % of Banked Internet Users, July 2016
6.4. Colombia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, August 2016
• Top 5 Motivations for Online Shopping, in % of Online Shoppers, August 2016
6.5. Argentina
• Breakdown of E-Commerce Sales by Payment Methods, in %, 2016
• Breakdown of E-Commerce Sales Paid in Installments by Number of Installments, in %, 2016
• Most Attractive Uses of Mobile Payment Services, in % of Smartphone Users, August 2016
• Breakdown of Preferred Mobile Payment Providers, in % of Smartphone Users, August 2016

19. 19
TABLE OF CONTENTS (13 OF 15)
7. Middle East
7.1. Regional
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers in GCC, October 2016
• Top 3 Barriers to Online Shopping, in % of Local Millennials in the GCC Who Did Not Shop Online, July 2017
• Number of FinTech Startups in MENA, 2013, 2015 & 2020f
• Share of Online Shoppers in MENA Who Used Smartphone to Pay for Purchases Online, in %, 2016
7.2. UAE
• Breakdown of Payment Methods Used in E-Commerce by Cash on Delivery and Credit or Debit Card, in % of Online Shoppers, March
2017
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2016
• Share of Consumers Who Believe That Retailers They Shop at Deploy Payment Security Tools to Prevent Fraud, by Retailers and Online
Retailers, in %, 2016
7.3. Saudi Arabia
• Payment Methods Used in E-Commerce, in % of Online Shoppers, May 2017
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2016
• Breakdown of Payment Methods Most Used in Online Shops According to E-Commerce Merchants, in % of Surveyed E-Commerce
Merchants, June 2017
• Perception of Increase in Credit Card Payments in Online Shops Over the Previous Year According to E-Commerce Merchants, in % of
Surveyed E-Commerce Merchants, June 2017
• Reasons for Not Offering Credit Card Payments in Online Shops, in % of Surveyed E-Commerce Merchants Who Do Not Accept Credit
Card Payments in Their Shops, June 2017
7.4. Israel
• Perceived Disadvantages of Online Shopping, incl. Payment-Related, in % of Internet Users, September 2016
• Share of Adult Internet Users in Israel Who Use Mobile Wallet Apps to Purchase Goods or Services At Least Once a Month, in %, May
2017
7.5. Iran
• Market Shares of the Top 3 Online Payment Gateway Operators, in %, December 2016

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TABLE OF CONTENTS (14 OF 15)
7. Middle East (Cont.)
7.6. Qatar
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
7.7. Kuwait
• Breakdown of Payment Methods Preferred in Online Shopping, in % of Online Shoppers, 2016
7.8. Lebanon
• Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
• List of Selected Payment Providers, by Category, 2016
7.9. Bahrain
• Barriers to Shopping Online, incl. Payment-Related, in % of Non-Online Shoppers, 2016
8. Africa
8.1. Regional
• Number of Registered Mobile Money Accounts in Sub-Saharan Africa, in millions, December 2005 & December 2016
8.2. South Africa
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, August 2017
• Breakdown of Factors that Would Encourage to Shop Online More, incl. Payment-Related, in % of Online Shoppers, August 2017
• Breakdown of Barriers to E-Commerce, incl. Payment-Related, in % of Internet Users Who Do Not Shop Online, August 2017
• Breakdown of Types of Purchases for Which Non-Online Shoppers Would be Most Comfortable to Make Their First Online Payment, in
% of Internet Users Who Do Not Shop Online, August 2017
• Share of Online Shoppers Who Believe Their Credentials Are Not Safe When Shopping Online, in %, March 2017
8.3. Nigeria
• Number and Value of Internet (Web) and Mobile Payment Transactions, in millions and in NGN billion, 2011- 2016 & H1 2017
• Breakdown of Experience with Mobile Money, in % Adults, 2016
• Main Purposes of Using Mobile Money Services, in % Mobile Money Users, 2016

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TABLE OF CONTENTS (15 OF 15)
8. Africa (Cont.)
8.4. Egypt
• Top 3 Payment Methods Preferred in E-Commerce, in % of Online Shoppers, 2016
8.5. Kenya
• Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, November 2016
• Mobile Payment Statistics, incl. Number of Transactions, in millions, Value of Transactions, in KES billion, Number of Accounts, in
millions, and Number of Agents, in thousands, 2008 – 2017

22. 22
1. Management
Summary
22 – 31
2. Global Developments 32 – 54
3.
3.1.
3.2.
3.2.1.
3.2.2.
3.2.3.
3.2.4.
Asia-Pacific
Regional
Advanced Markets
Japan
South Korea
Australia
Singapore
55 – 109
55 – 59
60 – 80
61 – 67
68 – 73
74 – 77
78 – 80
3.3.
3.3.1.
3.3.2.
3.3.3.
3.3.4.
3.3.5.
3.3.6.
Emerging Markets
China
India
Indonesia
Thailand
Vietnam
Malaysia
81 – 109
82 – 92
93 – 101
102 – 103
104 – 105
106 – 107
108 – 109
4.
4.1.
4.2.
4.2.1.
4.2.2.
4.2.3.
4.2.4.
4.2.5.
4.2.6.
4.2.7.
4.2.8.
4.2.9.
4.2.10.
4.3.
4.3.1.
4.3.2.
4.3.3.
4.3.4.
4.3.5.
Europe
Regional
Advanced Markets
UK
Germany
France
Spain
Italy
Netherlands
Sweden
Switzerland
Belgium
Austria
Emerging Markets
Russia
Poland
Turkey
Portugal
Czech Republic
110 – 187
110 – 118
119 – 169
120 – 131
132 – 144
145 – 150
151 – 153
154 – 157
158 – 159
160 – 162
163 – 165
166 – 168
169
170 – 187
171 – 179
180 – 181
182 – 184
185
186 – 187
5.
5.1.
5.2.
5.3.
North America
Regional
USA
Canada
188 – 227
189 – 190
191 – 216
217 – 227
6.
6.1.
6.2.
6.3.
6.4.
6.5.
Latin America
Regional
Brazil
Mexico
Colombia
Argentina
228 – 258
229 – 231
232 – 240
241 – 252
253 – 254
255 – 258
7.
7.1.
7.2.
7.3.
7.4.
7.5.
7.6.
7.7.
7.8.
7.9.
Middle East
Regional
UAE
Saudi Arabia
Israel
Iran
Qatar
Kuwait
Lebanon
Bahrain
259 – 279
260 – 263
264 – 266
267 – 271
272 – 273
274
275
276
277 – 278
279
8.
8.1.
8.2.
8.3.
8.4.
Africa
South Africa
Nigeria
Egypt
Kenya
280 – 175
281 – 286
287 – 289
290
291 – 292

23. 23
8%
26%
33%
57%
63%
0% 25% 50% 75% 100%
Bank Transfer
PayPal, PaySeguro or Similar
Credit Card - One-Time Payment
Boleto Bancario
Credit Card - Installments
in % of Online Shoppers
Payment in installments via credit card was the preferred payment
method of 63% of online shoppers in Brazil, as of June 2017.
Brazil: Payment Methods Preferred in E-Commerce, in % of Online Shoppers, June 2017
Note: does not add up to 100% due to multiple answers possible
Survey: based on a survey of 697 Internet users who have done at least one online purchase in the past; confidence level 95%, margin of error 3.8%; the time period of the
survey was not revealed; question asked “When shopping online, what is your preferred method?“
Source: Conversion, AKN Consultoria Estatistica, June 2017

24. 24
Security
64%
Speed and Comfort of the
Purchase Process
26%
Loyalty Programs and
Other Benefits
7%
Possibility of Financing the
Purchase
3%
Other
1%
“Security” (64%) was the most valued factor in online payment
methods in Spain in October 2017.
Spain: Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers,
October 2017
Note: may not add up to 100% due to rounding
Definition: individuals aged 18-65 who have purchased online in the previous 12 months from any of the following categories: appliances and technology, furniture, mobile devices,
travel, sport, bicycle and accessories, automobile and accessories or motorcycle and accessories.
Survey: based on a survey of 2,200 consumers, conducted in September – October 2017; question asked “When it comes to paying for your online purchases, what do you value
the most about payment methods?“
Source: Cetelem, December 2017

25. 25