2. 2
X

3. 3
Over $4.1 trillion in total retail spend
= $103 million
Over13 million US card accepting locations
= 1 million
Source: US Census, Digital Transactions

4. 4
Shopping is the great American pastime1
Most spending still happens at physical stores2
Introducing new ways to pay is hard3

5. 5
Mobile Influenced Store Sales
Sales USD Billions
eCommerce Sales
In-Store Sales
mCommerce Sales
2012 2016
12
31
158
689
226
327
Source: Deloitte Digital
Add value to how we buy, not just change the way we pay

6. 6
LOCALIZATION
ADVERTISING /
MARKETING
Points / Miles
Reviews /
Recommendations
Price /
Inventory
Checks
Geofencing
Search /
Discovery
Card-Linked Offers
Coupons
Check-in
Rewards
Deals / Offers
In-store
WiFi
SOCIAL
ANALYTICS
LOYALTY
Mobile Commerce Ecosystem
Copyright © 2013 PYMNTS.com
SECURITY
TSMs Chips
Data
Privacy
PCI Compliance
Tokenization
Biometrics
Fraud / Risk Management
Verification
Authentification
Data
Warehouse
PAYMENTS
ENABLING
TECHNOLOGIES
Card
Manufacturer
Acquirer
Carrier
Billing
Merchants
Networks
PrepaidDebit
POS
Redemption
Line Busting
Curation
Shopping Lists
Social Networks
P2P / MT Bill Pay
Wish List
CreditmPOS
software
providers
mPOS
device
manufacturer
NFC / Chip
Mag Stripe
QR Code
Bar Code
SMS
RFID
POS
software
providers
POS
device
manufacturer
CRM
Purchase History
Big Data
Cloud
ISO/VARProcessorEMV
Inventory Management
MOBILE
MNO
Handset Manufacturer
Banks /
Issuers
Secure Element
Operating System
DIGITAL WALLET
Applications
Gifting
Shipping /
Fulfillment
COMMERCE

7. 7

8. 8
0%
5%
10%
15%
20%
25%
30%
1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940
Unemployment in the 1930s
1930s Today
Source: Stanley
Lebergo.,
Manpower
in
Economic
Growth:
The
American
Record
since
1800

9. 9
$-
$100
$200
$300
$400
$500
$600
1929 1934 1939 1944 1949 1954 1959
United States GDP ($USD Billions)
Source: Bureau of Economic Analysis

10. 10
1922
Percent US Population Living in Suburbs
14%
15%
23%
31%
1930 1940 1950 1960
Source: US Census Bureau

11. 11

12. 12
Diners Club 1950
American Express 1958
Visa/BankAmericard 1959
Reduced merchant risk1
Increased efficiency and lower cost2
Greater consumer utility3

13. 13
Women’s Influence on Spending 1958
70%
80%
85%
90%
Control Over Nations
Wealth
Mens Shirts
All Sales
Household Purchases

14. 14
Source: US Census Bureau
95% 5%
US
Retail
Sales
Offline
vs.
Online

15. 15
Source: Accenture
88% 12%
“Webrooming”
Percent
who
research
online
before
heading
to
the
store
X

16. 16
Grocery
Furniture
Clothing
H&B
Elecricals
Electronics
Books & Music
Research and buy in store
Research online, buy in store
Research and buy online
Store-to-web
The Purchase Journey Across Selected Categories
Source: Price Waterhouse Coopers

17. 17
60%
68%
75%
80%
85%
Control of Personal
Wealth
New Car Puchases Primary Family
Shopper
Healthcare Decisions Total Consumer
Purchases
Women’s Influence on Spending 2013

18. 18

19. 19
0%
20%
40%
60%
80%
100%
2011 2012 2013 2014 2015 2016 2017
Mobile Payments Adoption Forecast
Source: eMarketer, July 2013

20. 20
US Consumer Payment Volume
$USD billions
$3,534
$2,136
$1,872
$2,615
$1,827
$1,011
$934
$1,288
$1,816
2016
2011
2006
Credit Debit Check
Source: Nilson

21. 21
+

22. 22
+
+
+ +
++

23. 23
Slide
#23
VALUABLE SHOPPING EXPERIENCE1
CONVENIENT WAY TO PAY2

24. 1950s Today
24
Consumer expectations of the shopping
experience have changed very little1
Old habits are hard to break2