2. Cards going mobile:
What is changing?
• The role of mobile
• Implementation &
education
• Convergenge

3. Vznikají nové možnosti placení...
The Classic
Plastové karty
Contactless Possibilities
Need to
educate
cardholders,
build
acceptance
Paypass
cards
Paypass
gadgets
Transport,
public
sector
Mobile
NFC, digital
payments
E-commerce
Loyalty
schemes,
offers
The New Ecosystem

4. Vývoj plateb zrychluje, mění styl života...

6. Merchant
Consumer
Merchant-initiated
(Traditional)
Consumer-
initiated

7. Offer/rewards redemption
Person-to-Merchant
(also digital)
Bill payments
Person-to-Person (P2P)
Remittances

8. New mobile opportunities
Local rewards
Local search
Democratization of
payment acceptance
Targeted marketing
Viral marketing
Implications for banking and payments
Acceptance
development
Mobile wallets
Mobile POS
Digital and physical
convergence
Cards
reincarnation
New channel to
target and reach
consumers

9. ©2013 MasterCard.
Proprietary and Confidential
Cards going mobile:
What is changing?
• The role of mobile
• Implementation &
education
• Convergenge

10. Dozens of MasterCard commercial projects

11. ©2013 MasterCard.
Proprietary and Confidential
PayPass chip in phone PayPass sticker
(and application)
Mobile application
• Accepted at all PayPass
locations
• Speed of transaction
• User interface (wallet)
• Only PayPass ready (NFC-
equipped) phone, accesory
• Accepted at all PayPass
locations
• All phones and more
• Speed of transaction
• Integration of user interface
(wallet) in the future
• Large variety of use cases
(both digital and physical)
• Terminal not needed
• Easy development and
deployment
• Online connection required

12. Issuing bank
Acquiring bankMerchant
Customer
TSMs
Telco

14. Issuing bank
Acquiring bankMerchant
Customer
Service Mngr
.
.
.

18. Education made easy
BankMerchantCustomer Telco

19. ©2013 MasterCard.
Proprietary and Confidential
Cards going mobile:
What is changing?
• The role of mobile
• Implementation &
education
• Convergenge

20. Page 20
January 10, 2012
Smartphone
Social media
Gaming
Cloud
systems
...and everybody wants to have its own payment scheme

22. ©2013 MasterCard.
Proprietary and Confidential
Pohodlná a bezpečná možnost volby
Page 22
January 10, 2012
Consumers want
choice & convenience
Banks
Telcos
Digital
Retail
PayPass
Tap & Go™
Buy with
MasterPass

24. ©2013 MasterCard.
Proprietary and Confidential
Cards going mobile: What is changing?
• Adoption path of multiple forms & faces of
cards, mobile to prevail and bring increased
transactions and relationship
• Implementation of mobile payments already
now (digital and NFC) with new non-financial
partners (MasterCard to mediate)
• Customers will have more control and
comfort; benefits and merchant inclusion
are important for adoption
• Wallets enable integration and convergence
within
– Other banking services
– Purchasing process
– Multiple devices
• MasterPass will be universal wallet and
acceptance

25. ©2011 MasterCard.
Proprietary and Confidential