Global Remittances Landscape
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Landscape
Remittance Perspective
About Western Union
Presentation Path
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
About Western Union
Mobile Outlook
Remittance Perspective
About Western Union
Presentation Path
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
About Western Union
Mobile Outlook
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
$416B
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Remittance Perspective
About Western Union
Presentation Path
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Emerging Channel Trends
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Remittance Perspective
About Western Union
Presentation Path
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Mobile outlook
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Strong consumer preference for Cash
C2B Payments
& Consumer
purchases by
region
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Cash remains the predominant form of consumer payment in much of the world
Source: McKinsey, “Perspectives on the Worldwide Payments Business,” Feb, 2010.
Partnering with banks, mobile network operators (MNOs) or independents to enable mobile-based transactions
Western union strategy FOR MOBILE
� Partner with banks
� Service banked consumers using
mobile channel
Western Union on
Mobile Banking
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
� Example: ABSA Bank S.A.
� Partner with MNOs
� Primary focus: unbanked consumers
� Reach underserved receivers
� Example: Safaricom / M-PESA Kenya
Mobile Banking
Western Union on
Mobile Wallet
Sender uses mobile
wallet as source of
funds. Receiver payout
in cash, mobile, or
bank channels
Mobile Send1
Western Union is the largest international branded cash in/cash out network for mobile
MNO Partnership PRODUCTS
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Mobile Receive
Funds directed by
Sender (Push or
alternatively by the
Receiver (Pull) to the
wallet or account
2
Thank You
Western Union Confidential | ©2011 Western Union Holdings, Inc. All Rights Reserved.
Thank You
