120621-BayPay-Europe-June 21-2012 Final

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Top 8 Payment Trends in the US by The BayPay Forum in 2012

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The US Meets Europe on Emerging Payment & Commerce:

The US Meets Europe on Emerging Payment & Commerce Sponsored by June 12, 2012 - Paris @ danielchat #BayPay

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Payment Trends from Silicon Valley – June 2012

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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 2,200 companies, incl. Visa, MasterCard, American Express, PayPal, Google, Apple, Square, Wal-Mart, Facebook , LinkedIn, Intuit, Zynga and more BayPay Goals

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www.baypayforum.com Free registration

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Some of our Members BayPay Mobile App: Google BayPay Android

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Thank you to our Sponsors

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US Regulation & Impact on Innovation Battle on US Interchange shifted New Checking Account Business Models Tested and Implemented Between $5 to $12/month Waived if $250 deposit or $1,500 daily minimum balance Primary impact on startups and other products (Square, Tempo Networks, ACH, etc.) Good opportunity for 2nd and 3rd Tier banks (cash back reward) Banks Merchants

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War of the Wallets NFC Google Wallet slowdown ISIS starting pilots this summer in Austin, TX and Salt Lake City, UT Very complex certification process Lack of support from large merchants The Cloud PayPal, Server, Visa V.me , Amazon OneClick , ClearXchange , Chase QuickPay , Wells Send & Receive Money, Apple Optical or presence (barcode, QR code, mobile, …)

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Disruption at the Point of Sales NFC Google Wallet slowdown ISIS starting pilots this summer in Austin, TX and Salt Lake City, UT Very complex certification process Lack of support from large merchants The Cloud PayPal, Server, Visa V.me , Amazon OneClick , ClearXchange , Chase QuickPay , Wells Send & Receive Money, Apple Optical or presence (barcode, QR code, mobile, …)

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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 (magstripe, CVV and 3D Secure) Loyalty & Multi personality Cards Other simple services

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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 Acceleration of number of tools around social networks

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Social Media Commerce Eco-system

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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? Strong loyalty programs now integrated with new generation of POS

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EMV It is Official Check Video from BayPay event on April 2nd with Visa & MasterCard at baypayforum.com (free registration) Behind the Announcement Good for who? What standard? Impact on Card Issuers

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Banking Services Simplified Targeting the youth and the unbanked Prepaid with mobile & instant access to balance and transaction history Prepaid is already a $360B market going to $0.5T Centered around cash management Check deposit with photo capture of paper check Some examples: Mint (Intuit), Greendot , Square, NetSpend , Mytek , etc) Allows for Payday and micro-loans services

The BayPay Forum:

The BayPay Forum Contact Us www.baypayforum.com Daniel Chatelain , Managing Director daniel@baypayforum.com @ danielchat Tag #BayPay

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