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Payments Trends for 2016
2Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Front-end Innovation Continues to Gather Pace
Wearables
Closed loop
solutions &
Mobile Money
Contactless
Technologies
Mobile Wallets
and P2P apps
23.2%
CAGR of Mobile
Payments Market
through 2020
USD 86
Billion
High-End Estimate
of Mobile P2P
Transactions
Volume in the
U.S.in 2018
Sources: Capgemini Financial Services Analysis, 2015; http://www.businessinsider.in/THE-PEER-TO-PEER-PAYMENTS-REPORT-The-exploding-market-for-
smartphone-apps-that-transfer-money/articleshow/47114852.cms
3Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Regulators Will Focus On Innovation and
Competition
PSD II (Europe) aims to open up
the market to Third Party
Providers
RBI (India) has granted licenses
to establish payments banks to
drive financial inclusion
PSR (U.K.) aims to open up the
access of Faster Payment Service
to non-bank institutions
Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
4Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Payments Processing Will Undergo
Transformation For Building Next-generation
Infrastructure
Non Banks like
Ripple
Open APIs
Payment Hubs
Payment
Infrastructure
Modernization
30,000
Number of APIs
Projected to Reach
by 2016
Sources: Capgemini Financial Services Analysis, 2015; World Payments Report, 2014
5Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Implementation Of Immediate Payments
Systems Will Continue To Accelerate Globally
Demand for
Ubiquity
Overlay
Services
System
Modernization
Need to Remain
Competitive
>9
Immediate Payments
Systems Already
Implemented
Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
6Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Banks And Non-banks Will Focus More On
Applicability Of Blockchain Technology
Payment
System
Optimization
Growing Demand
For Crypto
Currencies
Willingness To
Adapt From
Banks
Importance For
Decentralized
Applications
$ 400 Million
Global Blockchain market in
2019
Sources: Capgemini Financial Services Analysis, 2015; https://www.linkedin.com/pulse/bitcoin-bankers-deborah-baxley; http://www.medianama.com/2015/07/223-citibank-
cryptocurrency-citicoin/; World Payments Report 2015; http://qz.com/576671/banks-will-their-quintuple-spending-on-blockchain-by-2019/
7Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Hidden Payments Volume Growth Will Further
Accelerate
Mobile Money Virtual Currencies
Closed
Loop/Cards/Mob
Apps
Digital Wallets
$ 24.5-40.9 bn
Hidden Payments Estimated
Volume, 2014
Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
8Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Payment Service Providers Will Increase Focus
On Leveraging Insights And Data To Offer
Value-added Services
Segmentation-
based Offerings
Customer
Acquisitions
Loyalty
Programs
Sourcing &
Shipping
Membership
Rewards
Inventory
Management
Corporate PaymentsRetail Payments
$3
Billion
Membership in US
loyalty programs
increased by 26% from
2013-15
Sources: Capgemini Financial Services Analysis, 2015; https://www.colloquy.com/latest-news/2015-colloquy-loyalty-census/;
http://www.loyaltyandrewardsguide.com/technology/trend-alert-mobile-payments-to-innovate-rewards-programs
9Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
B2C And Corporate Payments Will Be Catalysts
That Will Drive Global Cross-border Payments
Volume In The Near Future
$1
Billion
Visa’s international
transaction revenue
grew by 21% in Q3 2015
$588
Billion
Global international
remittances expected
to grow by 1.3% in
2015
Global Trade
Customer Payments
International
Remittances
Sources: Capgemini Financial Services Analysis, 2015; Visa Had $18 Billion Worth of Processed Transactions”, Robert Karr, Yahoo Finance, September 4, 2015
10Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Payments Firms Are Making Increased
Investments In Security And Authentication
Measures
EMV Tokenization
Chip & Pin E2E Encryption
Biometrics
Geo location
Tracking
Counterfeit
Measures
Mobile Secure
Location
3D Secure
Real-Time
Analytics
$16.3
Billion
Total card fraud
losses worldwide in
2014
$5.9
Million
Total average cost
of data breaches to
involved payment
firms in 2014
Sources: Capgemini Financial Services Analysis, 2015; “Global Card Fraud Losses Reach $16.31 Billion — Will Exceed $35 Billion in 2020”, Nilson Report,
August 4, 2015; http://www.smartcardalliance.org/resources/pdf/CNP-WP-012414.pdf
11Copyright © Capgemini 2015. All Rights Reserved
Payments Domain Trends 2016 | December 2015 | Financial Services
Developing Economies Are Witnessing
Disruptive Innovation In Payments And Are
Leapfrogging The Developed Nations
Sources: Capgemini Financial Services Analysis, 2015; https://rbi.org.in/scripts/bs_viewcontent.aspx?Id=2857;
http://www.mondatosummit.com/#Africa-overview/
Lack Of Access To
Traditional
Payments
Instruments
Higher Mobile
Penetration
Lack Of
Financial
Infrastructure
Regulatory
Measures Driving
Financial
Inclusion
The information contained in this presentation is proprietary.
© 2013 Capgemini. All rights reserved.
www.capgemini.com
About Capgemini
Now with 180,000 people in over 40 countries, Capgemini is one
of the world's foremost providers of consulting, technology and
outsourcing services. The Group reported 2014 global revenues
of EUR 10.573 billion.
Together with its clients, Capgemini creates and delivers
business and technology solutions that fit their needs and drive
the results they want. A deeply multicultural organization,
Capgemini has developed its own way of working, the
Collaborative Business ExperienceTM, and draws on
Rightshore®, its worldwide delivery model.

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Top 10 Payments Trends

  • 2. 2Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Front-end Innovation Continues to Gather Pace Wearables Closed loop solutions & Mobile Money Contactless Technologies Mobile Wallets and P2P apps 23.2% CAGR of Mobile Payments Market through 2020 USD 86 Billion High-End Estimate of Mobile P2P Transactions Volume in the U.S.in 2018 Sources: Capgemini Financial Services Analysis, 2015; http://www.businessinsider.in/THE-PEER-TO-PEER-PAYMENTS-REPORT-The-exploding-market-for- smartphone-apps-that-transfer-money/articleshow/47114852.cms
  • 3. 3Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Regulators Will Focus On Innovation and Competition PSD II (Europe) aims to open up the market to Third Party Providers RBI (India) has granted licenses to establish payments banks to drive financial inclusion PSR (U.K.) aims to open up the access of Faster Payment Service to non-bank institutions Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
  • 4. 4Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Payments Processing Will Undergo Transformation For Building Next-generation Infrastructure Non Banks like Ripple Open APIs Payment Hubs Payment Infrastructure Modernization 30,000 Number of APIs Projected to Reach by 2016 Sources: Capgemini Financial Services Analysis, 2015; World Payments Report, 2014
  • 5. 5Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Implementation Of Immediate Payments Systems Will Continue To Accelerate Globally Demand for Ubiquity Overlay Services System Modernization Need to Remain Competitive >9 Immediate Payments Systems Already Implemented Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
  • 6. 6Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Banks And Non-banks Will Focus More On Applicability Of Blockchain Technology Payment System Optimization Growing Demand For Crypto Currencies Willingness To Adapt From Banks Importance For Decentralized Applications $ 400 Million Global Blockchain market in 2019 Sources: Capgemini Financial Services Analysis, 2015; https://www.linkedin.com/pulse/bitcoin-bankers-deborah-baxley; http://www.medianama.com/2015/07/223-citibank- cryptocurrency-citicoin/; World Payments Report 2015; http://qz.com/576671/banks-will-their-quintuple-spending-on-blockchain-by-2019/
  • 7. 7Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Hidden Payments Volume Growth Will Further Accelerate Mobile Money Virtual Currencies Closed Loop/Cards/Mob Apps Digital Wallets $ 24.5-40.9 bn Hidden Payments Estimated Volume, 2014 Sources: Capgemini Financial Services Analysis, 2015; World Payments Report 2015
  • 8. 8Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Payment Service Providers Will Increase Focus On Leveraging Insights And Data To Offer Value-added Services Segmentation- based Offerings Customer Acquisitions Loyalty Programs Sourcing & Shipping Membership Rewards Inventory Management Corporate PaymentsRetail Payments $3 Billion Membership in US loyalty programs increased by 26% from 2013-15 Sources: Capgemini Financial Services Analysis, 2015; https://www.colloquy.com/latest-news/2015-colloquy-loyalty-census/; http://www.loyaltyandrewardsguide.com/technology/trend-alert-mobile-payments-to-innovate-rewards-programs
  • 9. 9Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services B2C And Corporate Payments Will Be Catalysts That Will Drive Global Cross-border Payments Volume In The Near Future $1 Billion Visa’s international transaction revenue grew by 21% in Q3 2015 $588 Billion Global international remittances expected to grow by 1.3% in 2015 Global Trade Customer Payments International Remittances Sources: Capgemini Financial Services Analysis, 2015; Visa Had $18 Billion Worth of Processed Transactions”, Robert Karr, Yahoo Finance, September 4, 2015
  • 10. 10Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Payments Firms Are Making Increased Investments In Security And Authentication Measures EMV Tokenization Chip & Pin E2E Encryption Biometrics Geo location Tracking Counterfeit Measures Mobile Secure Location 3D Secure Real-Time Analytics $16.3 Billion Total card fraud losses worldwide in 2014 $5.9 Million Total average cost of data breaches to involved payment firms in 2014 Sources: Capgemini Financial Services Analysis, 2015; “Global Card Fraud Losses Reach $16.31 Billion — Will Exceed $35 Billion in 2020”, Nilson Report, August 4, 2015; http://www.smartcardalliance.org/resources/pdf/CNP-WP-012414.pdf
  • 11. 11Copyright © Capgemini 2015. All Rights Reserved Payments Domain Trends 2016 | December 2015 | Financial Services Developing Economies Are Witnessing Disruptive Innovation In Payments And Are Leapfrogging The Developed Nations Sources: Capgemini Financial Services Analysis, 2015; https://rbi.org.in/scripts/bs_viewcontent.aspx?Id=2857; http://www.mondatosummit.com/#Africa-overview/ Lack Of Access To Traditional Payments Instruments Higher Mobile Penetration Lack Of Financial Infrastructure Regulatory Measures Driving Financial Inclusion
  • 12. The information contained in this presentation is proprietary. © 2013 Capgemini. All rights reserved. www.capgemini.com About Capgemini Now with 180,000 people in over 40 countries, Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services. The Group reported 2014 global revenues of EUR 10.573 billion. Together with its clients, Capgemini creates and delivers business and technology solutions that fit their needs and drive the results they want. A deeply multicultural organization, Capgemini has developed its own way of working, the Collaborative Business ExperienceTM, and draws on Rightshore®, its worldwide delivery model.