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Contactless Kick Off Sweden

Dive into the world of contactless payments with insights and best practices from Marc Van Puyvelde at Emerging Payments Europe. Discover the latest statistics on contactless penetration across Europe and learn about successful strategies for driving adoption and usage. From market status to practical tips for issuers and merchants, this comprehensive guide will help you navigate the evolving landscape of contactless transactions.

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Contactless Kick Off Sweden

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  1. Contactless Kick Off Sweden Marc Van Puyvelde, Emerging Payments Europe Best Practices to achieve Contactless Penetration

  2. Around 70 live Mobile NFC projects in 19 countries* 1 in 5 cards are contactless in Europe 80%+ penetration Page 2 SinceApril 2014 • Poland • GLOBAL AND EUROPE STATUS 60%-79%penetration Netherlands • Netherlands • Slovakia • Austria • Czech Republic 40-59% penetration • France • Georgia • Hungary 20-39% penetration • Portugal • Serbia • Spain • Switzerland • Bulgaria • Israel • Italy • Montenegro 10-19% penetration • Moldova • Romania • Slovenia • Turkey • UK <10 %penetration • Croatia • Denmark • Finland • Greece • Luxembourg NEW • Azerbaijan • Belarus • Belgium • Bosnia-Herzegovina • Macedonia • Norway • Russia • Sweden • Ukraine • Cyprus • Germany • Ireland • Kazakhstan • Latvia * Live projects include pilots & commercial roll-outsSource: banks’ own reporting (QMR) and MC data Warehouse. Q2 2015

  3. In 40 countries, 1 in 5 merchant locations have a contactless terminal Page 3 SinceApril 2014 • GLOBAL AND EUROPE STATUS 60-79% penetration • Czech Republic • Georgia • Poland • Spain • Switzerland 40-59% penetration 40-59% card issuance Netherlands • Netherlands • Ukraine • Hungary • Slovakia 74% transaction penetration 2% transaction penetration • Romania • Serbia • Slovenia • UK 20-39% penetration 60-79% card issuance • Bulgaria • Cyprus • France <10 %penetration • Israel • Kazakhstan • Latvia • Luxembourg NEW • Moldova 10-19% penetration • Norway • Portugal • Russia • Sweden NEW • Turkey • Belarus • Belgium • Bosnia-Herzegovina • Denmark • Germany • Greece • Ireland • Italy • Macedonia • Montenegro • Austria • Azerbaijan • Croatia • Finland Source: banks’ own reporting (QMR), MC data Warehouse. Q2 2015 and Cartes Bancaires

  4. Global and Europe status Cash Displacement Indication in Czech Republic • Contactless is exponentially and complementary driving in-store purchase transaction growth (< 25 USD) • ATM share of total transaction volume is dropping 74% 33% 31% 65% 27% 25% 50% 22% 21% 34% 14% 1%

  5. Czech Republic: Best Practices Issuer Acceptance • Explaining the card in the welcome call, in welcome pack, statement insert, ATM screens • Use Tap&Get promotions for cardholder education • ATL campaign about contactless and NFC • Efforts focused on tier one merchants, especially grocery • Key is to have the terminal in front of the customers • Cashier education very strong – contactless is part of a bigger more customer focused story • Cashiers really see the speed benefit ofcontactless payments and asking customers to pay contactless • Use Tap&Get promotions for merchant education

  6. Contactless Drives Value Where Speed and Convenience Matter Most (and Cash can be Displaced) Food at high troughput acceptance locations Fast food restaurants Sandwich/Lunch Bars Vending machines Public Transport Turnstile (like TfL) Transit Vending Machines On the bus Whether you are a mom on the go, an international traveler, or just doing some shopping around town, contactless can meet your need for fast, secure, and convenient payments. Supermarkets Petrol Public Venues Train & Bus stations, Airports, Bars Parking On street Parking Meters Off street at the gate Parking Vending Machines In the life of a typical consumer, the opportunities to tap throughout the day are many—from commuting, to meals and snacks, to everyday errands. • Contactless basics and benefits

  7. Excellent Contactless Acceptance Quality = Improved Contactless Performance ! 1 Awareness & Education Clearly Visible Signage 2 Perfect Terminal Operation 3

  8. 1 Merchant education, awareness and motivation for consumers to tap is key

  9. 1 MasterCard ContactlessValue Proposition It's like having exact change wherever you go. A simple tap of your contactless enabled card, key fob, or mobile phone is all it takes to pay at checkout. • Contactless provides a fast, secureand convenient way for consumers to shop. • Faster check outs • Displaces Cash ! • Increases card usage for lower value transactions

  10. 2 A perfect contactless consumer experience starts with perfect visibility around POI Make it clear that MasterCard and Maestro contactless devices are accepted in store and at POS terminal

  11. 2 1 A perfect contactless consumer experience starts with clear signage on POS terminal

  12. 3 POI environment/POS terminal must facilitate the perfect contactless consumer experience • Terminal position • Speed and convenience • POS terminal display vs.checkout display interaction • Authorisation response time • Tolerance for read failureand consumer error • Operating volume • Strength and position

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