1. Technological innovation and it’s impact on financial business
Vanya Manova
Manager of MasterCard Europe Rep office for Bulgaria and Macedonia
Technological innovation and it’s impact on financial business
Sofia, June 2015

2. Payment cards ARE technological innovation
On top cash is:
it’s unsafe
It’s untraceable
It’s not cheap
It facilitates criminals
It’s dirty
Cards replace and upgrade cash:
24x7 access
Worldwide acceptance
Access through alternative payment channels

3. …our innovation continues
For 50 + years, MasterCard has been transforming how the world pays and gets paid
…our innovation continues …
The digital shift is the biggest change in payments since the introduction of plastic.

4. Contactless Payments Meet the Needs of Key Consumer Segments and all industries
Young Professionals
Affluent X-Border Travelers
Affluent with no Kids
Optimistic & Emerging Multiculturals
Mass/Affluent Families
Affluent Families
Contactless payments are for everyone. They can meet the needs of your customers by enabling them to make secure transactions which are fast and convenient. Contactless payments offer global interoperability and also pave the way for new form factors in the future.
Whether you are a mom on the go, an international traveler, or just doing some shopping around town, contactless can meet your need for fast, secure, and convenient payments.

5. MasterCard contactless is accepted at 68 countries at 3 million merchant locations

6. Mobile Contactless (Contactless)
Definition of MMPP
Comprehensive, configurable and powerful set of payment functions targeted at mobile payment issuance
Mobile Contactless: program that allows MasterCard payment products to be loaded onto a mobile telephone or other portable device that supports NFC*
*NFC is a technology that allows a cell phone to securely transmit information wirelessly. It can be used for making payments and transferring information, wirelessly.

7. MasterCard Gets Europe to Tap Everywhere by 2020
MasterCard establishes the acceptance of contactless payments as a standard in Europe
Objective
Key dates
Existing POS terminals can be replaced at end of lifecycle, but at the latest by 1 January 2020.
New POS terminals must adhere to the new standard upon deployment as from 1 January 2016.
Between now and 2020 there are other requirements, such as PCI compliance, that will require payment terminals to be upgraded providing the opportunity to achieve efficiencies.
Our intention is that by 2020, consumers will be able to pay with their contactless cards and NFC enabled devices at all point-of-sale (POS) terminals in Europe.
Europe Region Operations Bulletin No. 7, 1 July 2014

8. Contactless transaction growth is exponential

9. Innovation is a never ending journey….

10. Innovation is a never ending journey….

11. Innovation is a never ending journey….

12. Innovation is a never ending journey….

13. Innovation is a never ending journey….

14. Innovation is a never ending journey….

15. Innovation is a never ending journey….

16. Innovation is a never ending journey….

17. Innovation is a never ending journey….

18. Innovation is a never ending journey….

19. Innovation is a never ending journey….

20. Innovation is a never ending journey….

21. US $4.5 trillion* gross dollar volume
March 2015
Key Statistics
10,300 employees
210
countries and territories
43 billion
processed transactions
US $4.5 trillion* gross dollar volume
US $9.5 billion net revenue
* Excludes volume generated by Maestro and Cirrus cards
All numbers as reported as of December 31, 2014
March 2015

22. Our Role Consumers want better ways to pay. We invent them.
March 2015
Our Role
Consumers want better ways to pay. We invent them.
People want financial access. We find ways to serve them.
Checkout lines are too slow. We help them move faster.
Commuters are busy. We speed them on their way.
Procurement is complicated. We make it simple.
March 2015

23. Our Vision, Mission and Values
March 2015
Our Vision, Mission and Values
OUR VISION
A World Beyond Cash™
OUR MISSION
Every day, everywhere, we use our technology and expertise to make payments safe, simple and smart
OUR VALUES
TRUST
We act with integrity and respect; we encourage openness
PARTNERSHIP
We work as one team to the benefit of all – consumers, merchants, business partners, governments and the communities we serve
AGILITY
We act with a sense of urgency and deliver value through our innovation and execution
INITIATIVE
We are empowered to take bold and thoughtful action, and we hold ourselves accountable for delivering results
March 2015

24. The MasterCard Advantage
March 2015
The MasterCard Advantage
Unified global structure
Fastest global processing platform
Powerful brands and Priceless advertising
Innovative payment solutions
Strong relationships
Unique advisory capabilities
Talented employees
Every day, we use our advantages to benefit consumers, customers, merchants, businesses and governments around the world.
These advantages include:
A unified, global structure that enables us to develop tailored solutions for our customers in local markets;
A highly flexible and scalable processing platform;
Powerful, globally recognized brands and Priceless advertising platform;
Innovative payment solutions;
Strong relationships with financial institutions, merchants and consumers;
Unique knowledge and insights derived from our data and information analytics; and,
Talented employees who drive profitable growth for our customers and our company.
March 2015