1. Regulating EU mobile, internet and card payments – what’s next? Alan Ainsworth, Director, Government Relations

2. Payments is a rapidly evolving and changing market Past Channel Form Factor Payment Types Payments Value Chain Single Few Simple Present Multiple Many Complex

3. The evolution of payments is driving huge opportunity but also complexity 1,130 payment start-ups in US alone, 10 created every week Over 200 payment types are now regularly used globally

4. We are seeing significant innovation at each stage of the payment journey

5. Consumer demands must be met in increasingly complex payment environment