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DIVERSIFIED DELIVERY CENTERS

Mexico

Colombia

Peru

Argentina

United States

Brazil

Uruguay

UK

India

Multiple and similar time zones to our customers, global corporations

Unlimited talent pool of highly educated IT professionals

Cultural similarities and strong history of innovation

Argentina and Brazil have been in the top 10 of the Gunn Report’s Global Index of Creativity Excellence in Advertising for the last 16 years

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Deep pockets of expertiseOUR STUDIO MODEL

Software ArchaeologySoftware MaintenanceProduction Support

Content Management SystemsDigital MarketingVideo Content Productione-Learning

Cloud ComputingManaged ServicesDev OperationsInformation Security

E-commercePortalsWeb developmentFront-End EngineeringMulti and Omni Channel

Design ThinkingUser Experience DesignVisual DesignService DesignCreative Workshops

Collaboration SolutionsProcess Engineering ToolsEnterprise Applications

Digital PlatformsGame DevelopmentGraphic Engineering

Testing CenterTest AutomationLoad & Performance TestingMobile TestingGame QA

High Performance SolutionsBackend Development and IntegrationMainframe and TandemEmbedded DevelopmentData ArchitectureData ScienceData VisualizationBusiness IntelligenceBusiness Analytics

HybridNative

ConsultingInnovation as a ServiceProduct Landing

Hardware Design and IntegrationNative Wearable & Embedded DevelopmentWearable Application Usability and Interface DesignData Design & Management

TRENDS HIGHLIGHTSBehavior that shapes engagement

Mobile evolution in 2015 will fundamentally change human behavior and they will create massive new opportunities for innovation.

Mobile is be far more disruptive than even the PC. Mobile eliminates the latency of human decision-making by putting data and computing in the hands of literally everyone at the point of action. Mobile changes how people live, how they work, how they process information, and how they act.

2015 Mobile & WIOT Trends

DISILLUSIONMENT

Each trend has different points in their life cycle. It’s important to identify the progression and the point of adoption.

TREND CURVEAdoption landscape

TREND TRIGGER

ENLIGHTENMENT

PLATEAU OF PRODUCTIVITY

PEAK OF EXPECTATIONS

As more and more business processes move to mobile, business intelligence will not be complete without mobile data as a core feed. Wearables and IoT, as they evolve, will expand dramatically the number of devices in the world that generate business data. Over time, mobile will become the primary source to feed the insatiable hunger of big data solutions.

Big data feast Mobile & WIOT as data sources

Forget information overload: consumers’ desire for relevant, useful, timely information is insatiable. Consumers will continue to lap up products, tools and services that bring them the right information, at the right time, in an understandable, intuitive and actionable way.

KEY FACTORSThe prevalence of mobile connectivity and the explosion of sites, tools, apps and devices mean that consumers can satisfy their INFOLUST cravings almost instantly. In fact, consumers now expect to access information anytime, anywhere and in real-time. But the amount of information out there is vast (and growing every second). From reviews to Wikipedia to tweets to the tiny digital breadcrumbs consumers leave that show what they are doing, modern life gives off an insane amount of data about everything and anything. The challenge is helping consumers make sense of it, in a way that makes their life better.

HEALTHLOOPApp helps doctors and patients keep in

touch in real-timeHealthcare platform provider Healthloop launched the Healthloop+ MD mobile app in January 2015 to keep doctors better updated about the status of their patients and improve communication between both parties. The US-created app delivers push notifications to physicians when one of their patients triggers a clinical alert or receives a triage handoff from a co-worker. The app, which costs USD 199 per month per physician, also offers virtual check-ins to reinforce guidance and promote self-care activities to help with recovery.

Source: http://healthloop.com/

Industry:Health

ADOPTION CURVE

PEAK OF EXPECTATION STAGE

INFOLUSTConsumers’ voracious appetite for (even more) information

TRENDS

PPLKPR (PEOPLE KEEPER)App helps people manage their social

circleFebruary 2015 saw New York-based artists Kyle McDonald and Lauren McCarthy launch Pplkpr: a free mobile app to help people manage their social circle. Pplkpr syncs with wearable devices and monitors the user’s heart rate to track their emotional response to people around them. Based on the data, the app’s algorithm then suggests which relationships are the most healthy, ranks them according to how they affect the user and allows people to invite ‘positive’ individuals to hang out with. The user can also manually input their emotional response if they don’t have a heart monitor.

Source:https://pplkpr.com/

Industry:Health

TWEETSTAYDiscount hotel stays organized via Twitter

Launched in the US during November 2014, Stayful’s Tweetstay service helps people find and book hotel stays via Twitter. Customers send a tweet to the online booking company such as “@stayful #tweetstay I’m going to [destination] & want a [price] hotel, [arrival date], [# of nights]”. Stayful’s social media team then negotiates with boutique and independent hotels and replies with a link to discounted prices – generally better than rates available online. The free service is available a maximum of 30 days in advance.

Source: https://stayful.com/tweetstay

Industry: Travel & Transport

INFOLUST

New York-based Oscar Insurance launched a health policy in January 2015 providing customers with a free Misfit fitness tracker. The device works with a mobile app to measure the customer’s initial fitness level, then assigns them a personal exercise goal that may begin at as little as 2,000 steps daily, and gradually increase over time. Customers earn a USD 1 reward for each day that they attain their goal, with the chance to earn a total of up to USD 240 annually in the form of Amazon vouchers. The policy differs from similar offers in that there are no penalties built into the incentive system.

Source: https://www.hioscar.com/

Related Trend: Playsumers

OSCAR INSURANCEInsurance company rewards customers

for walking

Technology is increasingly harnessing the wisdom of the connected crowd. Collective input can improve design, minimize risks, reduce costs, organize funding and increase the speed of decision-making.

KEY FACTORSConsumers enjoy actively participating and contributing to the crowd. The popularity of TRANSPARENCY TRIUMPH can attest to this: consumers have created, and continue to access and contribute to an easily available, accumulated body of knowledge which includes what they are thinking, doing, protesting against or for, loving, hating, reviewing, buying, contributing to, gossiping, and the list continues.

VICTORIA’S SECRETLingerie brand updates ad slogan after

social media outcryQ4 2014 saw Victoria’s Secret release ad campaign images featuring the slogan “The Perfect Body”. The campaign resulted in an outcry on social media and a Change.org petition to modify the slogan and apologize – which received more than 30,000 signatures. The lingerie brand subsequently updated the campaign images, changing the wording to read: “A Body for Every Body.”

Source: https://play.google.com/store/apps/details?id=com.smartcloud.delhi&hl=en

Industry:Fashion

ADOPTION CURVE

PEAK OF EXPECTATION STAGE

CROWD EXPRESSHarness the Wisdom of the Connected Crowd

TRENDS

SWACHH BHARATApp lets users report local areas in need of

a clean upThe Swachh Bharat (meaning “Clean India”) mobile app was launched in October 2014, to coincide with Indian government’s Swachh Bharat Abhiyan (“Clean India Campaign”) – the country’s biggest ever cleanliness drive. When someone using the free app sees a dirty or unhygienic area that needs to be cleaned up, they select the type of public area affected, take a photograph of the issue, and report the issue along with its geolocation via Twitter.

Source:http://www.swachhbharatapp.com/

Industry:Government & Public Sector

WEATHER UNDERGROUNDPersonal weather stations provide

hyperlocal forecastsIn December 2014, connected technology brand Netatmo and commercial weather service Weather Underground announced a partnership to build the world’s largest personal weather station network and bring consumers hyperlocal forecasts. Netatmo’s connected personal Weather Stations are installed at homes and offices in 174 countries, and by providing Weather Underground with access to the data crowdsourced from these devices, the weather service can enhance the accuracy of their analysis and forecasts.

Source: http://www.wunderground.com/about/pr/news.asp?date=20141204

Industry:Consumer Electronics

CROWD-EXPRESS

BRAINEETSocial platform facilitates co-creation

between customers and brands

Launched in France in November 2014, Paris-based Braineet is a social website designed to facilitate conversations between consumers and brands. Users can create 140-character posts aimed at specific brands, each beginning with the phrase ‘What if..?’. Brands and other users can then respond, allowing the community to work together to co-create new products and services. Over 20 major brands were present on the platform at launch.

Source: https://www.braineet.com/

In more mature economies, technological advances and consumers’ desire for convenience are driving innovations in cashless transactions. On the other hand, in developing countries, where mobile penetration is high yet banking infrastructure is poor, consumers rely heavily on CASHLESS innovations for everyday transactions.

KEY FACTORSThe CASHLESS economy is (almost) upon us. But with the many competing technologies available (e.g. QR codes, NFC, WavePay, etc.), there’s still quite a few ways to go before cashless transactions become the norm. Think about how you can use CASHLESS technologies to offer consumers insights into their habits, rewards for loyalty, and/or even tailored offers and recommendations.

JIFI SAVERSavings Account Managed via Twitter

and FacebookJanuary 2015 saw Indian bank Kotak launch the Jifi Saver: a savings account that can be managed via Twitter and Facebook. Customers can to sign up through Facebook, and manage their account using “Hashtag Banking”, where a user can tweet #JifiBal to receive a private message with their current balance or #JifiTxn to receive a private message with their last three transactions. A minimum balance of INR. 10,000 (USD 162) is required to open the account, which also offers interest rates of up to 6%, a debit card, and a loyalty program.

Source: https://www.kotakjifi.com/

Industry: Financial Services

ADOPTION CURVE

PEAK OF EXPECTATION STAGE

CASHLESSNew economy is becoming a reality

TRENDS CASH-LESS

450 Million: The estimated number of mobile payment users by 2017, up from 245 million at the beginning of 2014.Source: Juniper Research

“ “

New ways of keeping track of your health, finance, evolution, relationships and movements come from a wide variety of tech-fueled connections, products and gadgets.

Now, consumers will turn to innovative digital services that promise to put the right teacher, expert or even peer in their pocket, 24/7. Meanwhile, reformation of mindsets around connections and trust in new people will see consumers embrace new kinds of real-world mentor/pupil experiences, too.

BETTERLIFEMeasure your evolution in every aspect of your life

UBITECH captures the ubiquity and pervasiveness of technology, fueled by endless consumer desire and falling costs (of both production and adoption). In 2015, the literal physical pervasiveness of technology is going to ramp up further as novel technologies reach and transform an ever-wider array of everyday objects, and any remaining geographical tech boundaries dissolve.Get ready for consumers to embrace (yet another) year of tech-driven innovation.

UBITECHSmart tech. Iterative tech. Global tech.

For the last 15 years, we’ve been leveraging mobility in the enterprise primarily to improve communication and experiment with the first generation of mobile apps and content delivery.

In 2015, we will see the end of this first stage as the core goal of enterprise mobility shifts from efficiency to transformation. This will trigger a fundamental disruption in the computing status quo across every organization.

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Enterprise Mobility Mobile workforce revolution

Enterprise Wearables Market to Reach US$18 Billion by 2019455 million wearable devices will be sold by 2019, generating $46.5 billion of revenue worldwide. Healthcare devices will account for the largest chunk of the pie, with 121 million smart watches accounting for $21 billion in sales, the research firm said.

Connected-home device shipments will grow at a compound annual rate of 67% over the next five years, much faster than smartphone or tablet device growth, and hit 1.8 billion units shipped in 2019.

Wearable Computing Device Shipments by Category (Millions)

Wearable Cameras

Smart Glasses

Smart Watches

Healthcare

Sports/Activity Trackers

Wearable 3D Motion

Smart Clothing

TOTALS

2013

6.64

0.01

1.23

13.45

32.46

N/A

0.03

53.90

2014

13.62

2.13

7.44

22.59

42.64

0.87

0.72

90.00

2015

15.81

10.57

24.92

34.25

57.42

2.00

1.24

164.2

Source: http://www.statista.com/statistics/302684/wearable-devices-shipments-worldwide-by-category/

Wearables and Internet of ThingsNumbers that matter

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Thanks!Javier Zimman - @javierzimmanjavi@globant.com

©2014 MasterCard. Proprietary and Confidential

journey to scale = everyday use

©2015 MasterCard. Proprietary and Confidential

Page 3

Every connected device will become a commerce

device

Shop in store

Shop in aisle

Shop anywhere

Shop at home

Commerce is changing

©2015 MasterCard. Proprietary and Confidential

The path to purchase Plastic Connected Devices

Connected Devices Provide More Opportunity for Engagement and Commerce

Pay: Swipe, dip, tap, type

Secure: PIN / signature

Communicate: Accept or decline

Information: Check balance, status, search, compare, try

Offers: Targeted offers, rewards

Communicate: Connect, consult, share

Before the purchase

During the purchase

After the purchase

Pay: Tap, in-aisle, in-app, online

Secure: Biometrics, alerts

Redeem: Offers, rewards, coupons, shipping

Communicate: Detailed transaction response

Payment history: E-receipt, track, benchmark usage, auto-order, cross-sell, replenish

Loyalty: Earn, keep, track, burn rewards

Communicate: Record, share, celebrate

Page 4

©2015 MasterCard. Proprietary and Confidential

Page 5

Three pronged strategy critical to securing all channels

Online Security Suite

EMV

Tokenization

Dynamic security on device

1

2

3

Mo

bile

Th

rea

ts

MDES

©2015 MasterCard. Proprietary and Confidential

Page 6

Securing digital channels will unlock significant value

• 80% of declined transactions are genuine or “false positive declines”

• Resulting in negative reaction by genuine cardholders

96%

Physical world

Approval rate

80%

Digital world

Approval rate

Fraud rate

Card present rate

Fraud rate

3x card present

rate

Objective: bring digital approval rates in line with

current physical world approval rates

©2015 MasterCard. Proprietary and Confidential

Page 7

Our point of view is that…

Consumer card account numbers will only be visible

on a physical card, and will be replaced everywhere

else by “payment” tokens

In the Cloud On a Mobile Device

Stored Online

©2015 MasterCard. Proprietary and Confidential

MasterCard is the world’s most advanced payment network – our Open API suite is the bridge to it

Page 8

Wearable Device

W Web App

Gas Station

Android

IOS

PHP

Ruby

Java

Smartphone

In-Car Entertainment

MasterCard Open API

<?

developer.mastercard.com

@MasterCardDev

©2015 MasterCard. Proprietary and Confidential

Page 9

For now, consumers prefer their banks and card issuers as mobile wallet providers

Base: Own smartphone & likely to try a payments app

Source: Pheonix Marketing International, September 2014

21%

29%

33%

30%

55%

65%

71%

Google

Apple

Amazon

MNO (Net)

PayPal

Primary Card Issuer

Any Bank (Net)

“Which of the following companies would you consider obtaining a mobile wallet from?”

©2015 MasterCard. Proprietary and Confidential

Page 10

@MasterCardDev

developer.mastercard.com