1. On Line Commerce, the Digital
Wallet and Beyond …
Jan, 2013

3. Payments 101
100$ 95$

4. Payments 101 - KYC
BANK

5. The Shopping Stages
Intent Discovery Shopping Buying Payment Post-Sale
Core
Cloud-Enhanced Payment
Capabilities Functions
(SAFE,
SECURE,
RELIABLE)
Demand Loyalty Card
Mobile
Generation

6. Traditional Boundaries are Blurring
Online Offline
world world
Mobile

7. The Infrastructure is so Fragmented

8. Almost Impossible To Make Any Change In The
Existing Payment Infrastructure
Handset
manufacturer
Retailer Handset OS
Issuers
merchants Acquirers
MC VI
Other
Financial
NFC reader
institution
Payment
PSP
GW
MNO POS OS

9. The Cloud will Connect Merchants Everywhere

10. Reaching New Segments

11. Mobile POS (mPOS)

12. The Future Acquiring opportunity
Fixed POS Low Cost
mPOS

13. Merchants of all Sizes Struggling to Keep Up
Multi- Demand
channel Large merchants
Generation
Small and medium size
Global businesses Pace of
competition innovation
Sole proprietors

14. The New Consumer is Always Connected

15. The Cloud is Already Used to Store Some of
Our Most Sensitive Information

16. The Financial Cloud

17. The Battle for Trust and Identity
Social Identity Commerce Identity
Mobile Identity

18. What Will Replace my Leather Wallet ?

19. The Digital Wallet

20. How Will the POS Recognize the Digital Wallet?
• payment will not survive as a stand-
alone app. It has to be part of a larger
experience
• It's not just about payments, it's the
whole experience.

21. The Digital Wallet

22. User Experience is One of the (Only) key
Success Factors

23. Thank You
Questions?
ozehavi@paypal.com