Top 7 Payment Trends in 2011


Presentation Description

This presentation of the Top 7 Trends in payment for year 2011 was done at the Cartes show in Paris in November 2011 during the press conference with Cartes to launch Cartes North America in March 2012.


Presentation Transcript

PowerPoint Presentation:

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Payment Trends in 2011 from Silicon Valley:

Payment Trends in 2011 from Silicon Valley Introduction US Regulation & Impact on Innovation The War of The Wallets Disruption at Point of Sales Cards Getting Smarter Social Media Shopping & Payments Retail, Loyalty & Couponing EMV Wrap Up & Q&A

The BayPay Forum:

The BayPay Forum Payment association based in Silicon Valley focused on trends & innovations in payment industry Mission: Create professional network of executives & companies involved with payment Understand & debate emerging trends & innovations in payment industry Complement regular face to face events with online social network Provide resources useful to group members Organize regular meetings in Silicon Valley and elsewhere 2,200 companies, incl. Visa, MasterCard, American Express, PayPal, Google, Apple, Square, Walmart, and more International appeal - BayPay in Europe, Asia, Middle East, Africa

The BayPay Forum – Some Members:

The BayPay Forum – Some Members

US Regulation & Impact on Innovation:

US Regulation & Impact on Innovation Battle on US Interchange shifting Checking Account Business Models Need Change Not that Easy Preliminary Impact on Startups and Other products Good Opportunity for 2 nd and 3 rd Tier banks

The War of The Wallets:

The War of The Wallets NFC The Cloud Optical

Disruption at Point of Sales:

Disruption at Point of Sales NFC Everyone is a Merchant Presence Why do we need a Card?

Cards Getting Smarter:

Cards Getting Smarter Carry more Security Features than Hologram & Signature Panel Support more than EMV or contactless chips Full Electronic Systems can be embedded into cards Different Use Cases Introducing dynamic data in payment transactions Dynamic magstripe Dynamic passcode for 3D Secure Dynamic CVV or CVC on back of card Loyalty & Multi personality Cards

Social Media Shopping & Payments:

Social Media Shopping & Payments Facebook, Zynga have hundreds of millions of customers No bank in the world has that many customers Impact on payment systems Risk of banks disintermediation Role of merchants in all this

Retail, Loyalty & Couponing:

Retail, Loyalty & Couponing Ventes Privees, Groupon, Living Social, Google Offers, PayPal, Visa SoLoMo is the Buzz word Black Friday or Cyber Monday? Is it sustainable? Impact on Brick & Mortar


EMV It is Official Behind the Announcement Good for who? What standard? Impact on Card Issuers

Wrap Up & Q&A:

Wrap Up & Q&A Innovation in payment & commerce is booming Disruption is looming in every corner of the ecosystem Who will win or lose? How to find us: Apple App Store (coming) Android Market Place LinkedIn & Twitter

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