wise payment strategies group - latin america corporate presentation (oct 2016)

©WISE PAYMENT STRATEGIES GROUP – LATIN AMERICA, LLC, 2015

A World Without Payment Barriers™

Corporate Presentation


Who we Are

• U.S.-based consulting firm specialized in developing effective Methods of Payment’s strategies for any

company interested in increasing their business in Latin America or entering the Region

• Our Associates have over 30 years of proven success with Methods of Payment working for prestigious

companies, including:

• With hands-on experience in all countries in Latin America

• Fully multilingual (English, Spanish, Portuguese) and multicultural team

• We know how to deal with the idiosyncrasies and nuances of each country in the Region

• Passionate about payments and sharing our wisdom and knowledge


WISE PAYMENT STRATEGIES GROUP’s AssociatesHave Proven and Varied Expertise throughout Latin America

MEXICO

VENEZUELA

PERUBRAZIL

ARGENTINA

CHILE

BOLIVIA

PANAMA

GUATEMALAJAMAICA

COLOMBIA

Interacted with regulators and Central Banks in order to expand the knowledge of the methods of payment and financial mobile solutions

Advised and implemented solutions for Telcos and Financial Institutions that resulted in a profitable Mobile Financial Solutions Ecosystem

Improved relationships among participants of the payments’ ecosystem that improved operational efficiencies and increased market share

Assisted in the creation and management of payment processing JVs that evolved into

very profitable businesses for the investors

Advised Acquirers and Processors on how to improve their operations while increasing their market share and revenue

Provided advice and feasible solutions that turned around money-losing businesses

Implemented enhancements to merchants' authorization systems that drastically

improved overall approval rates and revenues

Built alliances between local Brands and Financial Institutions that enabled the sending

of remittances between US and LatAm Markets


Corporate Vision and Mission


Latin America – Land of Opportunities Across Industries

• 52% of the population in Latin America is connected to the Internet representing a great potential of

growth in e-commerce(1)

• e-Commerce in Mexico, Brazil and Argentina will continue to grow at a rate of 20% year-on-year until

2019(2), and revenues in Latin America projected to exceed US$87B by 2018(3)

• With 42% total share, Brazil is the strongest cross-border consumer market in Latin America. Sales are

projected to grow at a CAGR of 13.6% until 2018. 50% of Mexican consumers shop from overseas

websites(4)

Source: (1) Internet World Stats, Dec. 2014; (2) Forrester Research, Jan. 2015; (3) Statista, Mar. 2015; (4) The Paypers, Oct. 2013


With over 40 countries and territories1, Latin America is a very diverse region

MEXICO

• Little intervention of Visa and MC in theregulation of cards issued with theirbrands. Rules are defined and enforced bytwo local consortiums

• Complex rules for recurring paymentmerchants

• Debit cards not enabled for e-Commerceunless irregular second-factor authen-tication rules are followed

• Cash-driven society. 96% of consumerpayments are done in cash(2)

1) The Caribbean is often included as part of the Latin America Region; (2) MasterCard Advisors, “Cashless Society”, 2014

• Debit cards require PIN for all purchases

• Several acquirers have entered the marketrecently. Selecting the right one willdepend on your business model andgrowth goals

• Tax, employment, and customer protectionlaws and regulations need to be addressed

• Many Alternative Payment options; Couldvary by regions within the country.

BRAZIL

Payment-related challenges for consideration (not comprehensive)



COLOMBIA

• Must contract with different Acquirersdepending on card brand to achieve moreefficiency

• Debit cards require PIN for all purchasesand are not enabled for e-Commerce orinternational purchases

• Customer protection laws and regulationsneed to be addressed


1) The Caribbean is often included as part of the Latin America Region; (2) MasterCard Advisors, “Cashless Society”, 2014

• Must contract with different Acquirersdepending on card brand to address alarger market

• Debit cards, although massively issued,are not commonly used for purchases

• Verified by Visa or SecureCode requiredfor e-Commerce purchases


PERU




CHILE

• A single processor controls the acquiringof all brands, local and international

• Debit cards enabled for e-Commerce butonly by using a locally developed andregulated second-factor authenticationmethodology

• Visa & MC credit cards severely restrictedfor international purchases. Debit cardsnot enabled for international purchases

• Very strict local laws and regulations needto be addressed

1) The Caribbean is often included as part of the Latin America Region

• Must contract with different Acquirersdepending on card brand to address alarger market

• Extreme tax and monetary policies need tobe addressed

• Little intervention of Visa and MC in theregulation of cards issued with their brands.Rules are defined and enforced by two localconsortiums

• Many Alternative Payment options, somevery effective but difficult to implementand/or operate

ARGENTINA



Easy access to key players

• A Partner RESPECTED & TRUSTEDin Latin America

Identification of Key Markets

• Develop / Review / Implement an effective GO-TO-MARKET STRATEGY

• Identify local laws, regulations, and operational nuances that could hinder your business

LOCAL OR X-BORDER PROCESSING?

• Identify the best acquiring solution suitable to your business model

Identify/Implement Methods of Payment Relevant to your Business

BUSINESS CASE Development


WISE PAYMENT STRATEGIES GROUP’s Services and Core Competencies

Develop /Implement /Review RECURRING PAYMENTS’ Strategy

Develop /Implement APPROVAL RATES’ Optimization Strategy

Develop /Implement RISK MITIGATION Strategy

Develop /Implement /Review CUSTOMER SERVICE LOGISTICS

Develop /Implement /Review LOCALIZATION STRATEGY

Go-to-Market Operational Improvements


WISE PAYMENT STRATEGIES GROUP’s Services and Core Competencies

CULTURAL KNOWLEDGE

•Fully multilingual (English, Spanish, Portuguese) and multicultural team

•We know how to deal with the idiosyncrasies and nuances of the Region

Keynote Speaking Experience

Board of Directors and Executive Adviser

Keep you abreast of REGIONAL PAYMENT TRENDS Relevant to Your Business

Market-Knowledge Transfer

WPG Methodology


Vision for the Business

Assessment of Data

Management

Assessment of the

Business Model

How the Business is Using Data

Business Strategic

Plan

Information Architecture

Business Operational Plans and Budgets

Revised Strategic

Plan

MoPsChallenge

Challenge Solved

Weigh Perception v.

Reality of Market

Prioritize Improvement Opportunities

Select Improvement Opportunities

Deploy Improvements

Fine Tuning

2. Clear

Objectives

3. Increased Revenues

1. Strategic

Vision

Adaptive Consulting Methodology According to Your Business Model NeedsStrategic | Operational | Always Delivering Tangible Results

Current Positioning

Drivers for

Change

Stake-holders

Cultural Factors

Leadership


Ricardo is a Methods of Payment’s industry expert with over 30 years of experience working with the principal payment brands -both mainstreamand alternative, as well as with Issuers, Acquirers, Merchants, and processors. As Director of Global Payments at Netflix, Inc., Ricardo wasresponsible for the assessment, development, and implementation of payment strategies that successfully supported Netflix’s global expansion.Under Ricardo’s expert direction, Netflix’s growth in Latin America exceeded 5 million subscribers in less than 3 years. Ricardo was Vice Presidentfor e-Commerce at MasterCard and Senior Vice President of Emerging Technologies at Visa. He also was one of the founding executivesand Executive Director of Business Development of former Visanet do Brasil (now Cielo), the largest acquirer in Latin America and one ofthe largest in the world, as well as the first General Manager of Visanet del Peru. Ricardo worked for several years with Citibank, both as an ITprofessional and as the Head of Operations for their Latin America and Caribbean Card Services Division. His wide ranging experience andexpertise in all aspects of the payment methods industry makes him a well-rounded adviser and keynote speaker, and provides him with extensiveexecutive management background in international, multi-cultural business environments. Throughout his career, Ricardo repeatedly producedsustainable revenue growth by implementing innovative ideas, turning around distressed organizations, and effectively managing high-performanceteams. He also was co-founder, chairperson and member of the Board of Directors of Back on Track Network, a non-profit organizationbased in Miami, FL.

Ricardo I. Gonzalez – Managing Partner

Contact us to Discuss your Needs.Thank You!

Ricardo I. Gonzalez

[email protected]

Skype: Ricardo.Gonzalez135

www.linkedin.com/in/ricardoigonzalez

11767 S DIXIE HIGHWAY #374PINECREST, FL 33156-4438

www.wpg-latam.com


mailto:[email protected]

http://www.wpg-latam.com/

wise payment strategies group - latin america corporate presentation (oct 2016)

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