1st December 2016

Edoardo Volta,

VP Business Development, SME – UK&I

Enabling aDigital World

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The World is Changing…

Industries being reinvented

Expectation of personalized and integrated digital experience

Barriers to entry are being lowered in every industry

Public companies need to continue to win today

while reinventing themselves for the future

Everyone and everythingis becoming connected

The emergence of business as a platform

Regulatory, security and privacy concerns

Democratization of electronic payments and technology

Urbanization and the desire for smarter cities

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…Online is becoming a dominant sales channel…

STARTCOUNTER, Q1 2016, MAIN FIGURES SHOW THE SHARE OF TOTAL WEB PAGE REQUESTS ORIGINATING FROM EACH TYPE PF DEVICE

Share of web traffic by device

Laptops & Desktops

Mobile Phones Tablets

56%Year on

year: -9%

39%Year on

year: +21%

5%Year on

year: -21%

WWW.RETAILRESEARCH.ORG/ONLINERETAILING.PHP

Online Share of Retails Trade, 2014 - 2016

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SME are at the core of a digital transformation

Multiple Bank

Interfaces

Operation Interfaces

Physical trips to

the Bank

Paper based

payment / process

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The mastercard Digital Call to Action

Accessibility 1

Transparency2

Security 3

Privacy4

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Enabling better payment experiences: in-store, in-app and online

Fastercheckout online

Pay digitally instore

Smartercheckout in store

Innovativein store interactions

Buy from connected devices: fridge, car, etc.

Pay securelywith wearables

Dine and pay without waiting

Cashlessunattended retail

Buy Operate Sell

Control your Business Card online

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SOURCE: MASTERCARD RESEARCH 2016

The SME demand for Digital Payment is high

67%of respondents is interested

in a mobile wallet

60%would like a mobile wallet

embedded in their banking app

Holistic

Relevant

Insightful

Actionable

SOURCE: REVOLUTIONISING THE DIGITAL EXPERIENCE IN SME BANKING, CESAR J. RICHARDSON, STRANDS FINANCE

SMEs are looking for a digital experience which is…

SMEs wants a digital payment experience…

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Bringing it all together