MOBILE PAYMENTS Louise Karlander Head of Business Development

MOBILE PAYMENTS Louise Karlander Head of Business Development Scandinavia

193 COUNTRIES / 26 CURRENCIES

143, 000

$ $ 141 M 2009 $ 27 B 14 B 4 B 750 M 2010 2011 2012 2013

THE TRENDS DRIVING THE MOBILE REVOLUTION Client Summit 2013

THE TRENDS DRIVING CHANGE 8 -10 am 66% wake up with their phone. 75% use their phones on the toilet.

WHAT DOES THE CONSUMER THINK ?

92% 93% 90% 63% 62% 43% 36% 32% 30% 20% 7% 1% 6% 1% i. Zettle 1% Pay. Pal I am a user Källa: Det kontantlösa samhället 2013 8% 5% 0% Swish I know about, but I don't use 0% Wy. Wallet 6% 2% 0% SEQR Don't know who they are Unsure 1% 0% Bart

Mobile is an important part of the solution.

= = BUT A MOBILE WALLET IS JUST A WALLET No obvious advantage over cash or card

Customers no longer have to clip coupons or carry multiple cards.

Offers & discounts are applied automatically.

Requirements for Mobile Payments Success Consumer & Account Base Merchant Acceptance DRUG STORE Barber Shop Pet Store FOOD MART Ecosystem Partners

Pay. Pal is solving real customer problems.

Nobody likes waiting for the check.

Nobody likes to wait in line.

L. Karlander

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PREDICTIONS

Personalization = Curation

Personalization = Curation Experiences = Responsive

Personalization = Curation Experiences = Responsive Omnichannel ≠ Devices

Personalization = Curation Experiences = Responsive Omnichannel ≠ Devices = Globalization

Personalization = Curation Experiences = Responsive Omnichannel ≠ Devices = Globalization Identity

http: //www. youtube. com/watch? v=Yt. FGKO 0 ZPTo Pay. Pal is the future of Money today

THANK YOU! lkarlander@paypal. com