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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
solely 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
all obtained 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 always 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.

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METHODOLOGY OF THE CURRENT REPORT
 The current profile is devoted to Android Pay, a mobile wallet service. For the purpose of this report, a mobile wallet is defined as 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.
 This profile is structured as described below.
 Following the Management Summary, the first section of the profile contains a general overview of the mobile wallet. It includes information about the launch
date, a brief service description and availability, information about transaction volume, and a digest of recent important news.
 An overview of countries where the mobile wallet is available is included in the next section, detailing the geographical expansion of the product by listing
countries and the respective launch dates.
 The next two sections provide a more detailed description of supported payment types and value-added service features, i.e. features beyond the payment
function.
 The last section provides information related to adoption and usage of the mobile wallet. Adoption statistics and examples of merchant acceptance are included
where available. Information about consumer awareness and usage rates is sourced from various surveys.

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TABLE OF CONTENTS
1. Management Summary
2. Overview
• Overview of Android Pay, December 2016
3. Supported Countries
• Overview of Countries/Territories Supported by Android Pay, incl. Date of Launch, September 2015 – December 2016
4. Payment Features
• Overview of Payment Features of Android Pay, December 2016
• Overview of Security Features of Android Pay, December 2016
• Types of Payment Cards Supported by Android Pay, by Country/Territory, December 2016
5. Value-Added Features
• Overview of Value-Added Features of Android Pay, December 2016
6. Adoption and Usage
• Examples of Merchants Accepting Android Pay, by Country/Territory, December 2016
• Volume of In-Store Payments with Android Pay in the USA, Compared to Apple Pay and Samsung Pay, in USD billion, 2016e
• Number of In-Store Monthly Users of Android Pay in the USA, Compared to Apple Pay and Samsung Pay, in millions, 2016e
• Selected Data Related to Usage of Android Pay in the USA, incl. Awareness, Usage for Purchase, Frequency of Usage, Average Number
of Cards Loaded, and Satisfaction Rating, Compared to Apple Pay and Samsung Pay, June 2016
• Types of Cards Loaded into Android Pay, Compared to Apple Pay and Android Pay, in % of Users in the USA, June 2016

7. 1. Management Summary 07 – 09
2. Overview 10 – 12
3. Supported Countries 13 – 14
4. Payment Features 15 – 18
5. Value-Added Features 19 – 20
6. Adoption and Usage 21 – 26
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Android Pay allows merchants to offer loyalty cards, gift cards,
coupons and promotions to the mobile wallet users.
Android Pay: Overview of Value-Added Features of Android Pay, December 2016
Description
Loyalty Cards
Customers can add loyalty cards to Android Pay and use them on Android devices that have access to the cloud. Once loyalty
cards are added, customers receive location-based notifications reminding them to use the loyalty cards when in the relevant
store. The loyalty information can be shown by presenting the bar code of the respective card. There is also an option of
automatically sending loyalty information when making the transaction, but it is limited in use. In the USA, loyalty points can be
earned and redeemed automatically when paying with Android Pay at participating store. As of December 2016, only Walgreens
Balance Rewards and Coke MyRewards cards were eligible for this feature.
Gift Cards
Gift cards can be added, viewed and used by Android Pay users on Android devices with access to the cloud. Location-based
notifications are enabled when the customer is in the relevant store. Gift cards an be redeemed by showing the bar code or
automatically by sending information via NFC.
Offers
Android Pay enables users to save and view the saved offers from merchants on Android devices with access to the cloud. In
particular, offers and coupons can be added to the digital wallet and location-based notifications with the reminder are sent when
the customer is in the relevant store. The offers can be redeemed by showing a bar code or automatically via NFC.
Promotions
Besides merchant’s offers and coupons, Android Pay also runs own promotions in cooperation with selected partners. For
example, in the UK it makes various promotions every month, such as a -15% discount off the first purchase with Mallzee or GBP
5 off the order with Deliveroo in December 2016. In the USA, promotions were made on purchases in mobile applications, such as
Jet.com and Newegg, as of December 2016. Various promotions are also offered in other supported markets, in cooperation with
merchants and issuers.
ATM
This new feature was announced by Google on the developer conference in May 2016. The company was piloting NFC-based
ATM operations with Bank of America, making the service initially available at 2,400 selected ATMs in the USA with the plan to
reach 5,000 nationwide by the end of 2016. Upon selecting the Bank of America debit card in the mobile wallet and holding the
device to ATM’s contactless reader, PIN entry is required to initiate a withdrawal, a transfer or inquire about the balance.
Note: These features have varying availability across the supported markets and can change over time.
Source: Google, December 2016; NFC World, May 2016; Business Insider, June 2016

9. 5%
9%
14%
62%
59%
10%
10%
13%
50%
70%
5%
13%
14%
50%
78%
0% 20% 40% 60% 80% 100%
Prepaid Card
Loyalty
Credentials
Store Card
Debit Card
Credit Card
Apple Pay
Android Pay
Samsung Pay
9
70% of Android Pay users in the USA loaded their credit card,
50% debit card and 13% store card, as of June 2016.
in % of Wallet Users
USA: Types of Cards Loaded into Android Pay, Compared to Apple Pay and Android Pay, in % of Users
in the USA, June 2016
Note: the share of users is among respondents who are enrolled in the relevant service
Survey: based on a survey of 1,528 consumers in the USA, aged 18-54, owning a smartphone and having a checking account or a debit card, conducted in June 2016; sample
margin of error of +/-2.5% at a 95% confidence level
Source: First Annapolis Consulting, August 2016

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