 A look at mobile payments past  Mobile payments today  Utility Mobile Apps  Payments Tomorrow

 Mobile Payments started in the developing world. Bangladesh, the Philippines, and Kenya.

 Know your customers, anticipate their needs  Solve problems  Use existing tools cleverly  Pay attention to the details, execute well  Learn as you go

Customers Credit Card Companies Merchants Acquirers Issuing Banks $

Secure Elements (SIMS) NFC Readers/Clients QR Codes Trusted Service Managers Encrypted Card Readers

Coupons Loyalty Ticketing

FREE!

Customer’s Bank Merchants Customers Merchant’s Bank

 Don’t launch an app when you can avoid it  Use Mobile Payments to leverage increase payment throughput  Use Mobile Payments to reduce costs of accepting payments  Avoid Surcharges where possible  Add value by complimentary capabilities