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

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METHODOLOGY (1 OF 2)
 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 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.
 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.
 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.
 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.
 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.

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METHODOLOGY (2 OF 2)
 This report covers the global mobile payment market. It takes into account a wide definition of mobile payment, including payment methods used in mobile
shopping (remote) and in-store (proximity) mobile payment.
 All major B2C E-Commerce markets, advanced and emerging, are covered, while data availability varied across the markets.
 Countries are grouped by regions, with regions presented in the descending order of B2C E-Commerce sales. Within each region, the countries are also ranked
by B2C E-Commerce sales. Besides country and regional data, information about global development is also included.
 Depending on data availability, the following types of market information are included: mobile payment user penetration, payment methods most used in mobile
shopping, number and volume of mobile payment transactions, information about mobile payment users. Not all the mentioned types of information are available
for each of the covered countries. For the leading country or countries in each region or sub-region, also online and mobile payment trends and news about
major players, such as payment providers, banks and retailers are presented.
 The report includes data mostly published within the last six months of 2015. The exact date of publication of the source is stated on each chart. The time period
which the data refers to differs by source.

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DEFINITIONS
 MOBILE PAYMENT
A wide definition of mobile payments includes remote payments made 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, 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.
 CONTACTLESS CARD PAYMENT
Proximity payment via a card where the payee and the payer interact using contactless technologies. Contactless
technology is a radio frequency technology which operates at short ranges, enabling user to perform a voluntary
action by approaching two devices and initiating communication between them.
 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.
 DIGITAL WALLET
Also known as E-Wallet. A prepaid digital account, allowing users to store money and use it in online or mobile
transactions.
 E-MONEY Short for electronic money. Money which is exchanged electronically using digitally stored values.
 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.
 ONLINE SHOPPING
Purchase of products or services by consumers via the Internet. Broadly defined, may include business to
consumer and consumer to consumer transactions.
The following expressions and definitions are used in this B2C E-Commerce 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 6)
1. Management Summary
2. Global
• Mobile Payment Trends and News about Players, H2 2015
• Share of Consumers Who Are Satisfied with the Payment Methods Used, by POS, Browser and Mobile, in % of Consumers in Selected
Developed Countries, June 2015
• Main Criteria For Adopting Innovative Payment Methods, in % of Consumers in Selected Developed Countries, by Very Important and
Rather Important, June 2015
3. Asia-Pacific
3.1. Regional
• Digital Payment Methods Used, by Emerging and Developed Markets, in % of Consumers, August 2015
3.2. China
• Online and Mobile Payment Trends and News about Players, H2 2015
• Payment Methods Used in Online Shopping, incl. Mobile Payment, in % of Online Shoppers, 2014
• Third-Party Mobile Payment GMV, in CNY billion, and in % Year-on-Year Change, Q3 2014 - Q3 2015
• Number of Mobile Payment Users, in millions and in % Share of Mobile Internet Users, December 2014 & June 2015
• Reasons for Using Mobile Payments Offline, in % of Internet Users Using Mobile Payment Offline, August 2015
• Breakdown of Third-Party Mobile Payment Transaction Volume, by Provider, in %, 2014 & Q3 2015
3.3. Japan
• Breakdown of Preferred Devices Used for Making Online and Mobile Payments, in % of Online Payment Users, by Age Group and Total,
July 2015
• Mobile Wallet Penetration, in % of Mobile Phone Owners, and Mobile Wallet Use, in % of Mobile Wallet Owners, August 2015
• Value of Electronic Money Transactions, in JPY trillion, 2014 & 2021f

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TABLE OF CONTENTS (2 OF 6)
3. Asia-Pacific (Cont.)
3.4. South Korea
• Payment Methods Used in Online Shopping, incl. Mobile Payment, in % of Online Shoppers, October 2015
• Activities Carried out via Mobile Instant Messengers, incl. Payment, in % of Mobile Instant Messenger Users, August 2015
• Share of Customers Who Have Used Mobile Payment Tools, in %, August 2015
3.5. Australia
• Number of Contactless Cards, in millions, 2010, 2014 & 2019f
• Share of Shoppers Preferring to Use Contactless Payments, by Selected Regions, in %, October 2015
3.6. India
• Value and Volume of Payment Transactions by Selected Non-Cash Payment Methods, incl. Mobile Wallets, in millions and in INR billion,
FY 2014-2015 & First 8 Months of FY 2015-2016
4. North America
4.1. Regional
• Digital Payment Methods Used at Least Weekly, in % of Consumers, 2015 & 2020f
• Services that Would Encourage the Use of Mobile Payments, in % Consumers Not Using Mobile Payments, July 2015
• Breakdown of Usage of Peer-to-Peer Mobile Payment Applications, by Frequency, in % of Consumers, July 2015
4.2. USA
• Online and Mobile Payment Trends and News about Players, H2 2015
• Breakdown of Likelihood of Loading Card Information on a Mobile Device or Mobile Wallet to Make Purchases, by Credit Card and Debit
Card, in % of Consumers, September 2015

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TABLE OF CONTENTS (3 OF 6)
4. North America (Cont.)
4.2. USA (Cont.)
• Share of Online Shoppers Who Would be Comfortable Using New Payment Forms, by Providers and by Online and Mobile Payments, in
%, July 2015
• Value of Remote Mobile Retail Payments, in USD billion, 2014 & 2019f
• Proximity Mobile Payment Transaction Value, in USD billion, and in % Year-on-Year Change, 2014 - 2019f
• Number of Proximity Mobile Payment Users, in millions and in % of Smartphone Users, 2014 - 2019f
• Number of Peer-to-Peer Mobile Payment Users, in millions, and in % of Mobile Device Owners, 2013 - 2018f
4.3. Canada
• Share of Smartphone Users Who Are Aware of Mobile Payments, in %, 2014 & 2015
5. Europe
5.1. Regional
• Contactless Transaction Penetration Level in the EU, by Country, in % of Face-to-Face Card Transactions, Q2 2015
• Contactless Issuance and Acceptance Penetration Levels in the EU, by Country, in % of Cards and in % of Points of Interaction, Q2 2015
• Breakdown of Usage of Mobile Payment Apps in Central Europe, by Germany, Austria and Switzerland, May 2015
5.2. UK
• Online and Mobile Payment Trends and News about Players, H2 2015
• Number of Contactless Credit and Debit Cards, in millions, and Number of Contactless Terminals, in thousands, January 2015 - November
2015
• Number and Value of Contactless Transactions, in millions and in GBP million, by Debit and Credit Cards, January 2015 - November 2015

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TABLE OF CONTENTS (4 OF 6)
5. Europe (Cont.)
5.3. Germany
• Online and Mobile Payment Trends and News about Players, H2 2015
• Breakdown of Frequency of Usage of Payment Methods in Mobile Shopping, in % of Mobile Shoppers, September 2015
• Breakdown of Awareness of Mobile Payments, by Type, in % of Smartphone Users, September 2015
5.4. France
• Number of Cards with Contactless Payment Functionality, in millions, September 2014 & September 2015
• Number of Retail Stores with Contactless Payment Terminals, in thousands, September 2014 & September 2015
• Number of Payment Transactions with Contactless Payment Cards, in millions, September 2014 & September 2015
5.5. Russia
• Breakdown of Awareness of PayPass and PayWave Cards, in % of Young Consumers in the Two Largest Cities, Summer 2015
• Reasons for Not Using NFC Payments, in % of Young Consumers in the Two Largest Cities, Summer 2015
5.6. Sweden
• Payment Methods Used in Mobile Shopping, in % of Mobile Shoppers, 2013 - 2015
5.7. Poland
• Share of Internet Users Who Are Aware of Mobile NFC Payments and Who Use Them, in %, September 2015
5.8. Turkey
• Contactless Card and Contactless Terminal Penetration, in % of Credit Cards and in % of Payment Terminals, 2010 – 2015

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TABLE OF CONTENTS (5 OF 6)
6. Latin America
6.1. Brazil
• Online and Mobile Payment Trends and News about Players, H2 2015
• Share of Online Payment Users Who Use Mobile Phones to Make Payments Online, in %, 2014 & 2015
• Product Categories Paid for Online via Mobile Phone, in % of Online Payment Users Who Paid via Mobile Phone, 2015
6.2. Mexico
• Probability of Using Mobile Payment in the Near Future, in % of Banked Consumers, June 2015
6.3. Argentina
• Share of Online Payment Users Who Use Mobile Phones to Make Payments Online, in %, 2014 & 2015
7. Middle East and Africa
7.1. Regional
• Share of Individuals Using Mobile Payments, in %, by Cameroon, Ivory Coast, Kenya and Nigeria, October 2015
7.2. UAE
• Online and Mobile Payment Trends and News about Players, H2 2015
7.3. South Africa
• Shopping-Related Actions Carried out via Mobile Internet, incl. Payment, in % of Mobile Internet Users, August 2015

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TABLE OF CONTENTS (6 OF 6)
7. Middle East and Africa (Cont.)
7.4. Nigeria
• Mobile Payment Statistics, incl. Number of Transactions, in thousands, Value of Transactions, in NGN million, and In % Year-on-Year
Change, H2 2012 - H1 2015 & July 2015 - November 2015
7.5. Kenya
• Breakdown of Payment Methods Used in Online Shopping, in % of Online Shoppers, Q3 2015
• Mobile Payment Statistics, incl. Number of Transactions, in millions, Value of Transactions, in KES billion, Number of Customers, in
millions, and Number of Agents, in thousands, 2008 - 2014 & First 10 Months of 2015

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1. Management Summary 13 – 16
2. Global 17 – 20
3. Asia-Pacific
Regional
China
Japan
South Korea
Australia
India
21 – 37
4. North America
Regional
USA
Canada
38 – 49
5. Europe
Regional
UK
Germany
France
Russia
Sweden
Poland
Turkey
50 – 67 6. Latin America
Brazil
Mexico
Argentina
68 – 73
7. Middle East & Africa
Regional
UAE
South Africa
Nigeria
Kenya
74 – 80

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20%
20%
42%
88%
0% 20% 40% 60% 80% 100%
Nigeria
Cameroon
Ivory Coast
Kenya
in % of Individuals
Among selected countries in Africa, Kenya was the leading country in
terms of share of individuals using mobile payments in October 2015.
Africa: Share of Individuals Using Mobile Payments, in %, by Cameroon, Ivory Coast, Kenya, Morocco
and Nigeria, October 2015
Note: the numbers are reported as “more than 88%” for Kenya, 42% for Ivory Coast and “less than 20%” for Cameron and Nigeria; Morocco was also included in the survey, but
the percentage of respondents using mobile payments was reported to be very small without naming the specific figure
Survey: based on a survey of 4,000 households in Morocco, Cameroon, Ivory Coast, Nigeria and Kenya
Source: CFAO, Ipsos, October 2015

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Internet users who
are aware of mobile
NFC payments
74%
Others
26%
Use Mobile NFC PaymentsAware of NFC Payments
Internet users who
used mobile NFC
payments
4%
Others
96%
In Poland, 74% of Internet users were aware of NFC payments that can
be made through mobile phones, but only 4% used them in Sep. 2015.
Poland: Share of Internet Users Who Are Aware of Mobile NFC Payments and Who Use Them, in %,
September 2015
Definition: payments that can be made via mobile phone using NFC technology
Survey: based on a survey of 803 respondents who have accounts that can be accessed online from the country-wide representative sample of Internet users, conducted via the
computer-assisted web interviews between 28 August and 9 September 2015
Source: ARC Rynek i Opinia, SIA, September 2015

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