Growing Wal-Mart Financial Services by Serving the Underserved
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1 June 9, 2008 Growing Wal-Mart Financial Services by Serving the Underserved Jane Thompson VP & President, Wal-Mart Financial Services
2 Wal-Mart Financial Services: Save Money. Live Better. Our company s purpose is our reason for being Saving people money So they can live better. Wal-Mart Financial Services Mission Statement Help our customers live better lives through our financial products and services Wal-Mart Financial Services Brand Positioning Wal-Mart Financial Services provides financial tools to help our customers live better because only WFS delivers savings, access, and convenience Business Objective Serve the needs of the Unbanked/Underserved 2
3 WFS Customer Target 73 million underserved in the U.S. 45 million underbanked 28 million unbanked Source: Center for Financial Services Innovation 3
4 Start with Customer Needs Cash Checks Pay Bills Transfer Money Convenient Safe and Reliable A Place I Can Trust 4
5 Provide Basic Services + EDLP Check Cashing Money Orders Bill Payment Money Transfers One-Stop Shopping Where I Shop Each Week At Every Day Low Prices, Of Course 5
6 Price It Right Clarity of Offering 6
7 Save our Customers Money $5.5 to 7.0 Million Customer Savings per Week $330 Million for FY08 Based on Internal Calculations of Pricing vs. Primary Competitors 7
8 Results: Rapidly Growing Business 2.5 to 3.5 Million Financial Services Transactions per Week Money Orders Money Transfers Check Cashing 8
9 WFS Strategy Evolution Phase I Provide Basic Money Services Product Driven Check Cashing Money Orders Money Transfers Bill Payment Phase II Build Platforms For Growth Integration Driven WM MoneyCenter WM MoneyCenter Express WM MoneyCard Phase III Innovate For Growth Technology Driven Card Technology Payment Technology Self Service 9
10 Dedicated Location Platform for Growth 10
11 Milestone: 500 th Wal-Mart MoneyCenter in June Our Home in the store Will reach 1,000 + locations over next year 11
12 Dedicated Card Platform for Growth Easy to get Purchase at any participating Wal-Mart No bank account or credit check required No overdraft fees spend only what you load Easy to use Use anywhere Visa debit cards are accepted Pay your bills, shop online, pay at the pump, cash at ATMs Reloadable Use cash, payroll check, MoneyPak or direct deposit Safe $0 liability for unauthorized use if your card is lost or stolen 12
13 Milestones for Wal-Mart MoneyCard in June One million + cards sold One billion + dollars loaded 80% + of card holders would recommend to a friend 13
14 Wal-Mart MoneyCard: Integrated with Other Services Provide customers with the freedom to spend stimulus dollars as needed safely Free stimulus check cashing with no purchase required Rebate purchase price of Wal-Mart MoneyCard 14
15 Milestone: Wal-Mart MoneyCard in Stimulus Check Cashing Campaign Wal-Mart Economic Stimulus Commercial 15
16 Wal-Mart MoneyCard Student Edition: New Customer Target Convenient for students and parents Two cards / One account No overdrafts Instant reload access at Wal-Mart Daily text balance alerts and online statements Integrated with Wal-Mart s Back to School program 16
17 New Service Coming Soon: Walk-In Bill Payment Pay your bills where you shop Immediate proof of transaction Available online through the Wal-Mart MoneyCard 17
18 Customers Can Pay Thousands of Bills at their Neighborhood Wal-Mart Top Billers AT&T Dish Network DirecTV Capital One Credit Card Verizon AT&T Mobile Local Utilities 18
19 Focus for the Future INSIGHT into our customers needs INNOVATION through technology and partnerships INTEGRATION within Wal-Mart 19
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