acceptance day2s2 espinoza smartcities · network •interoperable network •technology integrable...
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A C C E P T A N C EB R E A K I N G T H R O U G H T H E D I G I T A L A G E
T O E X P A N D T R A N S A C T I O N S F O O T P R I N T
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Cesar EspinozaVP, Government and Development LAC
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The future of cities
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The world is becoming more urban, people living in cities is expected to grow to 70%
70%54%
Today by 2050
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Mastercard is helping cities to move beyond the daily friction caused by cash
1
2
Financial inclusion and more cards
Acceptance expansion
Advancing efficient mobility
Advancing connected commerce
More card usage at the POS
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Mastercard is driving financial inclusion by enabling contactless payments in urban transportation
About 65% of all urban
transportation is still paid in
cash
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The goal is to integrate new technologies to make public transportation more efficient •Generate economy and efficiency for transport operators• Improve citizens' quality of life by offering convenience and eliminating queues to buy the ticket•Mastercard has solutions to meet the specific needs of each city
BILLING
MOBILEPAYMENTS
Digital convergence with payment through cell phones
1. Contactless card•Standard EMV – bank cards•No need for recharge network• Interoperable network•Technology integrable with the existing model
3.Mobile apps•Mobile app for ticket purchase•No need for recharge network•Need for QR code reader
2.Hybrid Technology•Standard EMV security – new cards•No need for recharge network•No need for new infrastructure•Mastercard's patent
1 2 3
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20162015
Card usage at POS by type of cardUnits
Hybrid cards Maestro cards
POS usage has increased by ~15% over cards that don’t have the transport functionality
The implemented solutions have proven to be an enhancement for all parties involved (1/2)
~50K new Mastercard cards with the transit functionality were sold within one day
• These cards aim to provide a solution for the unbanked segment giving them access to electronic payments 2017
0.9
1
1.1
1.2
1.3
Oct Dec Feb Apr Jun Aug Oct Dec Feb Apr
1.09
1.181.22
1.111.131.091.11.051.041.04
1.151.151.2
1.141.161.19
1.161.151.17
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201620152014
Adoption of Contactless EMVNumber of journeys, Penetration
Contactless journeys Penetration of PAYG
Penetration of PAYG has surpassed expectations by reaching ~40% of total journeys
The implemented solutions have proven to be an enhancement for all parties involved (2/2)
• Within 3 months, the app had surpassed $47M ticket sales, and had over 280K unique users
• 100K tickets sales accounting for 10% saving in 10 months since launching of mobile ticketing
LAS VEGAS (RTC)
NEW YORK (MTA)
High penetration of smartphones has opened an opportunity for mobile ticketing
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Mastercard is bringing partners together and harnessing our technology to expand acceptance
Small businesses account for 90% of all enterprises and they have
been historically underserved when it comes with their ability to accept electronic
payments
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Developing more affordable but equally secure solutions for payment acceptance devices
• A new electronic payment option that allows customers to pay for goods and services from their mobile phones by scanning QR codes displayed at store’s checkout
• Available in eight countries in Africa and Asia
• A new development focused on making every device a payment and acceptance device, allowing mobile phones to accept contactless payments from both phones and cards
• Pilots in UK and Poland
Masterpass QR Code
Phone as an NFC terminal
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Expanding our merchant footprint by working with partners to offer new solutions for SMEs
• A digital company that maps cities and citizens by crowdsourcing location data to drive transactions between consumers, merchants and brands
• Financial technology companies for small businesses that allows anyone selling anything to accept a credit card transaction by using a small device that connects to a smartphone, tablet or dedicated wireless device
Who they are…• Identifying key small merchants
that have high foot traffic• Enabling a low-cost electronic
payment solution• Launching specific promotions to
drive usage
• Enabling a low-cost electronic payment solution with small merchants allowing them to play in the same turf as large ones
How we work together…
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Q&A
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Check out the MasterCard swag at the MC Store!
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