sh*ft happens: key innovation drivers in consumer payments
TRANSCRIPT
![Page 1: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/1.jpg)
1
INSPIRED TO HELP YOU SUCCEED www.carlisleandgallagher.com
Sh*ft Happens
@sammaule
@InspiredByCG
#ShIftHappens
![Page 2: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/2.jpg)
2
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 3: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/3.jpg)
3
Waah! Waah! Waah!
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 4: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/4.jpg)
4
Sh*ft!INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 5: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/5.jpg)
5 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 6: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/6.jpg)
6
Sh*ftHappens
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 7: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/7.jpg)
7
“The most important financial innovation that I have seen in the past 20 years is the automatic teller machine…”
PaulVOLCKER
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
“The most important financial innovation that I have seen in the past 20 years is the automatic teller machinethat really helps people and prevents visits to the bank and it is a real convenience.”
A radical and pervasive change in society and the social structure, especially one made suddenly.
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
![Page 8: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/8.jpg)
8 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 9: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/9.jpg)
9
"Hmm, @fredwilson thinks that financials services disruption is the next huge market to be taken.” @jhersco
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 10: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/10.jpg)
10 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 11: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/11.jpg)
11
1Sh*ftStorm
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 12: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/12.jpg)
12
Sh*ft just got real…
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 13: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/13.jpg)
13 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 14: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/14.jpg)
14 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 15: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/15.jpg)
15 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 16: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/16.jpg)
16
10%of all the deposits “are now done through mobile devices as people carry a branch in their pocket.”
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
BrianMOYNIHANBank of America
![Page 17: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/17.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 17
2012 2017
$12.8 billion
48%CAGR
$90 billion
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 18: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/18.jpg)
18
“When I go to Silicon Valley…they all want to
eat our lunch. Every single one of them is going
to try.”
JamieDIMONJPMC ChairmanINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 19: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/19.jpg)
19
Digital Wallets
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 20: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/20.jpg)
20 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 21: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/21.jpg)
21 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 22: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/22.jpg)
22
11%Of Americans have
tried mobile walletsForrester Research
91%Of mobile phones are
within hands reach 100% of the time
IBM
2%Of all transaction are conducted on mobile
Forrester Research
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 23: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/23.jpg)
23
"Digital wallets, at this point in time, are solutions looking for problems.”Sucharita
MULPURUForrester
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 24: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/24.jpg)
24
‘‘The digital wallet is the linchpin for everything we do, but it’s interesting, because consumers aren’t asking for them.’’EvenHILL FERGUSONPayPal, Chief Product Officer
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 25: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/25.jpg)
2525 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 26: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/26.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 26
@sammaule
@InspiredByCG
#ShIftHappens
![Page 27: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/27.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 27 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 28: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/28.jpg)
28 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 29: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/29.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 29 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 30: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/30.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 30 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 31: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/31.jpg)
31
2Fullof Sh*ft
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 32: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/32.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 32
@sammaule
@InspiredByCG
#ShIftHappens
![Page 33: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/33.jpg)
3333
“Connecting products to the web will be the 21st century electrification.”Matt
WEBBCEO of Berg Cloud
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 34: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/34.jpg)
3434
Wearables 2014: Think EVOLUTION NOT REVOLUTION
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 35: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/35.jpg)
3535
“Google Glass is so futuristic it’s like wearing a Segway on your face.”
MattNOVAK
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 36: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/36.jpg)
3636 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
“The SMART Home’s Trojan Horse.”
Gizmodo
![Page 37: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/37.jpg)
3737
"The blend of physical/digital isn't Oculus Rift - it's people using devices in-store while they consider products.”
DonaldCHESTNUT
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 38: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/38.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 38 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 39: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/39.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 39
BeaconsThe gateway drug for the Internet of
Everything
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 40: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/40.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 40 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
) ) ) ) ) )
) ) ) ) ) )
) ) ) ) ) )) ) ) ) ) )
) ) ) )
) )
) ) ) ) ) )
![Page 41: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/41.jpg)
4141 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 42: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/42.jpg)
42
3Sh*fthits the fan
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 43: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/43.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 43 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 44: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/44.jpg)
4444
70million
$100million
40million
46%$200
million
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 45: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/45.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 45 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 46: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/46.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 46 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 47: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/47.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 47 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 48: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/48.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 48
143,211
mobile20x 2012-
2013122 per week$11.6 million
Poneman 2013 “Cost of Cyber Crime Study”
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 49: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/49.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 49
Biometrics
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 50: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/50.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 50 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 51: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/51.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 51 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 52: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/52.jpg)
1 Mobile2 IoT3 Security
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 52
@sammaule
@InspiredByCG
#ShIftHappens
![Page 53: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/53.jpg)
53
?INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 54: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/54.jpg)
54
$43.7
billion >+
+INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 55: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/55.jpg)
55
>$26
billion
$20 billion
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 56: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/56.jpg)
56
>$7.6
billion $8.9 billion
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 57: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/57.jpg)
57
>$4.5
billion $4.4
billion
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 58: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/58.jpg)
58
$150.6billion
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 59: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/59.jpg)
59
?INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 60: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/60.jpg)
60
?1 Mobile2 IoT3 Security
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 61: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/61.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 61 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
Worth a Sh*ft
![Page 62: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/62.jpg)
62
Know your Sh*ft
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 63: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/63.jpg)
63
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 64: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/64.jpg)
64
Sh*ft Happens
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 65: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/65.jpg)
65
Sh*ft Happened
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens
![Page 66: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/66.jpg)
“Even if you are on the right track you will still get run over if you don’t keep moving.”
WillRodgers
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 66
@sammaule
@InspiredByCG
#ShIftHappens
![Page 67: Sh*ft Happens: Key Innovation Drivers in Consumer Payments](https://reader035.vdocuments.mx/reader035/viewer/2022070515/5879b41c1a28ab6b2c8b639d/html5/thumbnails/67.jpg)
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential. 67
Q AINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
@sammaule
@InspiredByCG
#ShIftHappens