MasterCard is a global payments brand that facilitates commerce worldwide. It is building infrastructure and enhancing consumer experiences to support the rapid growth of e-commerce and mobile payments. Data and personalization are helping to engage consumers and accelerate digital commerce. Mobile access is expected to outpace PC access, so MasterCard is innovating its platform and building capabilities for future mobile demand. Contactless payments are being adopted for transit systems around the world. Cross-border remittances represent a large opportunity, as many workers send money home globally. MasterCard aims to empower customers with control, alerts and security over their payments and finances.

1. Kahina Van Dyke
Mobile Momentum @ MasterCard

2. Past, Present & Future State
Who A strong global network and brand
we are with robust assets / applications
What we are Building infrastructures and enhancing
working on consumer experiences around the world
Where we Facilitating commerce by driving
are going growth in new markets and segments
November 16, 2010
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3. Global E-Commerce Opportunity
• Globally E-commerce transactions have grown over 14% per annum over
the past 5 years
• Remarkable resilience in 2009 despite the economic crisis
Global Online Sales YTD June 2010
102%
In USD Billions Y/Y Growth
Growth rate
07-09
+35% 66%
+20%
+14% 34%
28%
+8% 7%
AP CA EU LAC US
Source: MasterCard Source: comScore 2010.
internal data.
November 16, 2010
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4. Spotlight: Europe eCommerce
• Half from increased average spend and half from increased consumer adoption
• Average annual spend per person is expected to rise from €483 in 2009 to €601 in
2014
• Number of online shoppers is expected to grow by 141 million to 190 million by 2014
• Penetration of online shoppers will go from approximately 30% to 50%
Online Retail Spend Europe Online Retail Spend 2009
Euro Billion Euro Billion
800
Average online spend
24.7
per person (€)
600 114 17.3
68
2014 9.4
400
2009
3.1 2.5 1.9 1.5
200
100 150 200 250 UK G France NL IT E SW
Online shoppers (million) E S E
10% 9% 13% 11% 13% 19% 11%
CAGR ‗09 –
‗14
Source: Forrester, Western European Online Retail Forecast 2009 to 2014
November 16, 2010
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5. Web data powers decisions…
U.S. online and Web-influenced retail sales
Web-influenced retail sales in billions
Online retail sales in billions
U.S. online and Web-
influenced retail sales 42% 46% 48% 50% 51% 53%
as a % of total sales
Note: U.S. Online and Web-Influenced Retail Sales as a percentage of Total Sales.
Source: ―Web-Influenced Retail Sales Forecast,‖ Forrester Research, December 2009.
November 16, 2010
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6. Smart Data & Personalization -> Engagement
MarketPlace Savings Locator inControl mCompass
(US) (italy) (US) (South East Asia)
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7. Acceleration of e-Commerce
Rapid adoption of the Internet
driving online sales
Leverage social
marketplaces and virtual
communities
Enhance consumer
experience through
personalization and
relevant real-time data November 16, 2010
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8. Transition to Mobility.
Global Mobile Payments Volume
300 Mobile access expected
250 to outpace PC access
200
Overall CAGR
Innovate and expand
Billions
68%
150
platform with partners
100
50
Build capabilities for
0
2008 2009 2010e 2011e 2012e future demand
Source: Arthur D. Little, 2009
November 16, 2010
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9. Mobile Mix: Global Payments
Global Mobile Payments Volume
by Transaction Type
300
Parking & Ticketing
Ubiquitous part of
Retail Purchase
250
Remote Bill Payment
consumers‘ daily lives
200 Remittance
TopUp & Digital Content Consumer experience
Billions
150 supported by a solid
100
infrastructure
50
Transit is an anchor
0 for everyday spend
2008 2009 2010 2011 2012
Source: Arthur D. Little, 2009
November 16, 2010
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10. Changing the face of payments..
The mobile phone as the preferred
personal transaction and information
device which provides:
• New places and ways for mobile
users to pay or shop online Mobilizing payment
technology enables secure,
Mobilizing payment
• A means to circumvent a lack convenient payments
technology enables
of traditional electronic payment anywhere, anytime—
secure, convenient
and e-commerce structures shifting control of the
payments
• An electronic payments growth payment paradigm to
anywhere, anytime
consumers to manage of the
shifting control their
accelerator that shifts control
finances according to their to
payment paradigm
of payments to consumers lifestyle.
consumers to manage
their finances according
to their lifestyle.
However…
November 16, 2010
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11. MasterCard Mobile Payment Products
The Mobile Device: An Evolving Platform for Payments
PayPass Tags Fully Integrated Mobile Payments
PayPass Gateway
Remote P2P and
P2M Payments
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12. Contactless. Evolution or Revolution?
Transit is a broad sector encompassing road, rail, air and water. Traditionally
100% Cash/Coin – now leading contactless adoption.
Co-Brand Hybrid- MasterCard Retail Processing
Cards Cards Cash Acceptance Solution
Ie.SJ Prio Swedish Ama Mi Prepaid card Deployed with Taiwan Carrefour, Café Commercial trials in
Railways card, Alpha with Milan transit transit Nero, McDonalds, Nu NYC; T&C, TFL
bank Russian metro application, Postepay merous PayPass
card with Ravenna transit Deployments
application
November 16, 2010
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13. Our independence allows us to be different and deliver what our
competition cannot
Contactless adoption is not industry
specific, or geography specific…
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14. A global truth: Sending money home.
Cross-Border P2P
$433 200+
billion global million
cross-border $18.3 foreign
workers
$200
money billion in Average money
transfer volume1 estimated global worldwide3 transfer value
money per transaction
transfer revenue2 globally2
1 World Bank, July 2009
2 The Aité Group, Competing in Money Transfers: Market Overview, March 2007, Projected estimate by 2010 in USD.
3 Koncept Analytics, Global Money Transfer (Remittance) Market: An Analysis, May 2009
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2/19/2013

15. Empowered customers want control.
Personalized
Controls
Real-Time
Alerts
MasterCard
inControl Single-Use
Numbers
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16. Our independence allows us to be different and deliver what our
competition cannot
A virtual card which the customer sets the
limit and the expiration date.
November 16, 2010
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17. In conclusion…
Innovation is our DNA.
.. We will stay ahead and react quickly as ―It is not the strongest
opportunities emerge. The customer experience of species that
will rule the adoption curve.. Test and learn. survive, nor the most
intelligent, but the one
The future is now. most responsive to
.. Capabilities evolving exponentially at different change.‖
– Charles Darwin
rates around the world due to diversity in
infrastructure. We need to meet the global
demand for safety and speed.
Collaborate to compete.
.. We will continue to drive partnership models
across multiple stakeholders to lead global
commerce development.
November 16, 2010
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