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1 For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities. Visa’s Future of Payments Update on recent activities May 2012 1

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  • 1For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities.

    Visas Future of Payments Update on recent activities

    May 2012

    1

  • McDonalds hits 1m contactless transactions in first 6 months of acceptanceNovember 2011

    Visa Personal Payments & Visa Alerts launchOctober 2011

    Handset certificationJanuary 2012

    London buses

    April 2012

    Samsung Olympic NFC PhoneApril 2012

    Digital wallet service launch

    Monitise strategic investmentOctober 2011

    A series of phased releases is delivering these products into the market today

  • 2012 will be a key year and Visa is well positioned

    Emergence of Large Commercial

    Rollouts

    Rapid Contactless Adoption

    2012 Olympics - Showcase

    Significant Availability of NFC Handsets

    Google Wallet European launch scheduled for 2012

    Multiple MNOs and Joint Ventures planning 2012 launch of mobile wallets/payments

    Significant bank-MNO partnership programmes

    Visa is a worldwide partner of the London 2012 Olympic and Paralympic Games

    Samsung-Visa partnership

    Olympic park & venues to be used as showcase for mobile & contactless

    Significant merchant rollouts expected in key markets (UK, Poland, Turkey)

    Other markets (e.g. France, Spain, etc) committed to large scale contactless acceptance development in 2012

    Visa approval of 6 handsetsmore to come

    Nokia/RIM all new smartphones from 2011 will come with NFC

    Announcements of NFC support Google (Android), Microsoft (Windows 8), Samsung, HTC and others

    Further Product Developments

    Further launches/developments of Visa Alerts and Visa Personal Payments

    Commercial availability of Mobile Contactless payments

  • Visa & Vodafone Strategic Alliance announcement

  • Visa & Samsung partnership

    VISA AND SAMSUNG REVEAL MOBILE PAYMENTS APPLICATION FOR THE LONDON 2012 OLYMPIC AND PARALYMPIC GAMES

    Latest step forward in bringing mobile payments to London 2012 Olympic Games

    LONDON, 24th February 2012 Visa and Samsung today revealed the official mobile payments application of the Olympic and Paralympic Games. Samsung and Visa will debut the mobile payment application at Mobile World Congress, Barcelona, Spain from February 27th to March 1st. The application will be demonstrated at Visa stand (Hall 1, Stand 1B19) and Samsung stand (Hall 8, Stand 8B169). This marks the first step to realising the partnership between the two Olympic and Paralympic Games sponsors to bring mobile contactless payments to London as part of their support of the London 2012 Olympic Games.

    The application is based on Visas payWave technology that enables contactless payments at the Point of Sale. To make payments, customers simply hold the phone in front of a contactless reader at the point of purchase. Purchases above 15 pounds require a passcode. The application also lets customers check their transaction history and view their up to date account balance. Backed by the multi-layered security and reliability of Visas processing platform, mobile contactless payments are protected by the same standard terms and conditions that apply to Visa cards.

  • Visa Certified Handsets

    Visa Certified Smartphones for Use as Visa Mobile Payment Devices

    LG Optimus NET NFC

    BlackBerry Bold 9900 BlackBerry Bold 9790

    BlackBerry Curve 9360 BlackBerry Curve 9380

    Samsung Galaxy SII

  • Visa payWave

  • Passcode is the winning CVM for mobile

    Online PIN

    applicable only for contactless higher-value paymentsPasscode

    same Passcode for many use cases

    P2P

    Card details

    DPA

    Top-upBalance enquiry

    Loyalty

    m- commerce

    Automatic/Manual modes are supported

    For HVP in manual mode customers need to insert passcode

    first and online PIN later

    Security settings

    Markets with online PIN implementation for mobile cards (Spain, Turkey)

    Passcode supported on all HVP POS terminals in Europe

    Market with only offline POS terminals (e.g. UK, France, Ireland, Finland)

    Dynamic CVV2

    Alerts

    Inconsistent and confusing authentication experience for customers with online PIN implementation

    Customer experience is chaotic

    All customers are required to verify themselves with Passcode

  • Passcode is the most implemented CVM for Visa mobile cards

    IcelandIceland

    UKUK

    IrelandIreland

    GermanyGermany

    FinlandFinland

    SwedenSweden

    FranceFrance

    AustriaAustria

    PolandPoland

    Hungary

    LithuaniaLithuania

    EstoniaEstonia

    LatviaLatvia

    ItalyItalySpainSpain

    PortugalPortugal

    TurkeyTurkeyGreeceGreece

    RomaniaRomania

    LuxembourgLuxembourg

    NetherlandsNetherlandsBelgium

    BulgariaBulgaria

    Cyprus

    Israel

    Slovenia

    Denmark

    NorwayNorway

    SlovakiaSlovakiaCzech RepCzech Rep

    SwitzerlandSwitzerland

    Implementation with online PIN + passcode as CVM

    Implementation with only passcode as CVM

  • Visa: A Global Leader in Mobile Payments

  • 11For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an offer to purchase, any securities.

    Visa payWave for Mobile Case Studies

  • Aprojectby:Aprojectby:

    Collaborating:Collaborating:

    1,500customers1,500customers 500retailers500retailers MaytoNovember2010MaytoNovember2010

    la Caixa Visa cards in Sitges

    Bank:LaCaixaBank:LaCaixa MNO:TelefonicaMNO:Telefonica SE:SIMCentricSE:SIMCentric

    TopRetailers

    for

    Purchases

    #1

    Supermarketchain

    #2

    CafeinthecentreofSitges

    #3

    StandatSitges

    municipal

    market

    70%

    ofcustomersgiveascoreof8points

    orhigher

    90%

    wouldcontinue

    touseit

    http://www.sitges.cat/html/index.html

  • Aprojectby:Aprojectby:

    1,000customers1,000customers 61Kretailers61Kretailers Launched

    April2011Launched

    April2011

    Yap

    Kredi Visa cards on iPhones

    Bank:Yap

    KrediBank:Yap

    Kredi MNO:TurkcellMNO:Turkcell SE:icarteSE:icarte

  • Aprojectby:Aprojectby:

    500customers500customers 61Kretailers61Kretailers Launched

    Jan

    2011Launched

    Jan

    2011

    Akbank Visa cards on micro-SDs

    Bank:AkbankBank:Akbank MNO:MNO: SE:microSDSE:microSD

    Visas Future of PaymentsUpdate on recent activities A series of phased releases is delivering these products into the market today2012 will be a key year and Visa is well positionedVisa & Vodafone Strategic Alliance announcementVisa & Samsung partnershipVisa Certified Handsets Visa payWave Slide Number 8Passcode is the most implemented CVM for Visa mobile cardsVisa: A Global Leader in Mobile PaymentsSlide Number 11 la Caixa Visa cards in Sitges Yap Kredi Visa cards on iPhones Akbank Visa cards on micro-SDs