Innovation and Disruption in Payments
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1 Innovation and Disruption in Payments Shaun Abraham, Director of Client Solutions, Chase Paymentech September 16, :20 p.m. ET
2 This presentation was prepared exclusively for the benefit and internal use of the J.P. Morgan client to whom it is directly addressed and delivered (including such client s subsidiaries, the Company ) in order to assist the Company in evaluating, on a preliminary basis, the feasibility of a possible transaction or transactions and does not carry any right of publication or disclosure, in whole or in part, to any other party. This presentation is for discussion purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by J.P. Morgan. Neither this presentation nor any of its contents may be disclosed or used for any other purpose without the prior written consent of J.P. Morgan. The information in this presentation is based upon any management forecasts supplied to us and reflects prevailing conditions and our views as of this date, all of which are accordingly subject to change. J.P. Morgan s opinions and estimates constitute J.P. Morgan s judgment and should be regarded as indicative, preliminary and for illustrative purposes only. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us by or on behalf of the Company or which was otherwise reviewed by us. In addition, our analyses are not and do not purport to be appraisals of the assets, stock, or business of the Company or any other entity. J.P. Morgan makes no representations as to the actual value which may be received in connection with a transaction nor the legal, tax or accounting effects of consummating a transaction. Unless expressly contemplated hereby, the information in this presentation does not take into account the effects of a possible transaction or transactions involving an actual or potential change of control, which may have significant valuation and other effects. Notwithstanding anything herein to the contrary, the Company and each of its employees, representatives or other agents may disclose to any and all persons, without limitation of any kind, the U.S. federal and state income tax treatment and the U.S. federal and state income tax structure of the transactions contemplated hereby and all materials of any kind (including opinions or other tax analyses) that are provided to the Company relating to such tax treatment and tax structure insofar as such treatment and/or structure relates to a U.S. federal or state income tax strategy provided to the Company by J.P. Morgan. J.P. Morgan's policies on data privacy can be found at J.P. Morgan s policies prohibit employees from offering, directly or indirectly, a favorable research rating or specific price target, or offering to change a rating or price target, to a subject company as consideration or inducement for the receipt of business or for compensation. J.P. Morgan also prohibits its research analysts from being compensated for involvement in investment banking transactions except to the extent that such participation is intended to benefit investors. IRS Circular 230 Disclosure: JPMorgan Chase & Co. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with JPMorgan Chase & Co. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. J.P. Morgan is a marketing name for investment banking businesses of JPMorgan Chase & Co. and its subsidiaries worldwide. Securities, syndicated loan arranging, financial advisory and other investment banking activities are performed by a combination of J.P. Morgan Securities LLC, J.P. Morgan Limited, J.P. Morgan Securities plc and the appropriately licensed subsidiaries of JPMorgan Chase & Co. in EMEA and Asia-Pacific, and lending, derivatives and other commercial banking activities are performed by JPMorgan Chase Bank, N.A. J.P. Morgan deal team members may be employees of any of the foregoing entities. This presentation does not constitute a commitment by any J.P. Morgan entity to underwrite, subscribe for or place any securities or to extend or arrange credit or to provide any other services. 2
3 Innovation and Disruption in Payments The Past pre-historic times in payments The Present molten lava cooling to build the digital core The Future a new age of money How we get from the present to the future of payments How Futurist Thinks If we were once here, and today we are here, then we will probably end up here. Future Present Past 3
4 The Past Early days of cash and check One of the first widespread uses of paper bills dates back to the early middle ages Checks or bills of exchange date back to the late 300 B.C., but only reached a mainstream audience once a machine readable standard (MICR) was patented in
5 The Past Credit revolution Though first coined in 1887, the credit card was widely introduced by the Diners Club in 1950 as a charge card, reaching 20k cards in a year Revolving credit cards soon followed in 1958 when BankAmericard (later named Visa) and Master Charge hit the market 5
6 The Past Card acceptance In the early 1970s an electronic payments system was introduced in two phases Phase 1 advance the old authorization model of a floor limit and phone call to an online system called Base 1 and INAS Phase 2 introduce Base II and INET for online electronic clearing and settlement Electronic acceptance provided the foundation to extend card payments across the globe 6
7 The Present: Fast forward 40 years 7
8 The Present Mobile explosion Mobile is forming the core of a new age of payments 68% of the U.S. owns a smartphone, tablets growing 2x rate of smartphone growth.* Next-generation smartphones are beoming more powerful than an Xbox 360 Mobile is rapidly becoming a consumer s most prized possession Mobile Phone 96% 93% 88% 80% 90% 82% 54% 66% 48% 56% The amalgamation of mobile availability, capability and need have changed the way we live. *Source: Braun Research/BofA, Comscore Q1 2014, nvidia 8
9 The Present Mobile commerce Electronic payments are far outpacing any other form of payment Visa/MC 2x growth of overall consumer expenditure (PCE) Mobile commerce is small but rapidly outpacing retail growth According to Forrester, U.S. mobile commerce volume will reach a combined $293 million by 2018 Mobile s impact goes beyond digital channels Over 50% of retail transactions are influenced by the Web Source: Forrester 9
10 The Present Standard-setting taking place Electricity Tesla vs. Edison Video Tape Betamax vs. VHS DVD Blu-ray vs. HD Satellite Radio XM vs. Sirius Mobile Payments NFC vs. Other?? 10
11 The Present Mobile commerce Mobile commerce has reached a technological tipping point with a series of recent solution announcements. Tokenization is the transformative technology that is allowing a scalable and secure payment delivery mechanism. Apple Pay Announced on 9/9, expected launch in October at 220,000 retail locations Secure Element / NFC based technology Supported on iphone 6, 6 Plus, and upcoming AppleWatch Supports Visa, MC, Amex, and 83% of issued cards MCX CurrentC Currently being tested in select markets, expected rollout in 2015 at 110,000 retail locations Cloud / QR Code based technology Expected to support on ios and Android devices Expected to support decoupled debit (ACH) and private label cards 11
12 The Present Data and identity More data than ever before is being captured and mined to unlock unprecedented insight, relevancy and understanding Authentication by location, behavior and biometrics are in use today and poised to scale considerably as devices become equipped with advanced sensing equipment More data, more problems a string of high profile security breaches are forcing the market to develop new ways to manage risk 12
13 The Present Omni-channel is finally becoming a reality Omni-channel commerce is a dynamic, digital approach to delivery a true customer-centric approach to multichannel retailing Source: Forrester Cross-channel retail forecast, communciationssmart.blogspot.com 13
14 The Present Omni-channel is finally becoming a reality (continued) Wearable technologies such as smart watches and glasses increase the opportunities for retailers to capitalize on a rapidly growing engagement channel Source: Forrester Cross-channel retail forecast, communciationssmart.blogspot.com 14
15 The Future 15
16 The Future: Is already here it s just not evenly distributed most of the greatest products running the lives of citizens in 2044 were not invented until after 2014 Wired Magazine Source: William Gibson 16
17 The Future Technology will get smarter and more integrated in everyday things Experience will lead as payments will continue to move to the background Mobile will become less about a device and more about a service Security and risk management will remain critical success factors INSERT NEXT BIG THING HERE 17
18 How to get from the present to the future of payments? 1. Participate in its development by forging the right processes, aligning resources and visualizing a sustainable commerce strategy 2. Test and learn the technologies and experiences available today to best determine the direction most appropriate for your business 3. Build around YOUR unique experiences and potentially establish an payments industry standard 18
19 Shaun J. Abraham Director of Client Solutions Chase Paymentech 19
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