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©2012 DFS Services LLC Confidential & Proprietary Discover Financial Services – Global Acceptance Footprint Third largest global card acceptance network (1) Complementary networks with strong global presence Operates in over 185 countries / territories (2) Over 850,000 ATMs in more than 100 countries North America 8,900,000 Asia Pacific 7,100,000 EMEA 2,200,000 Latin America 3,100,000 1.The Nilson Report, #989, March The map denotes countries or territories with transactional activity in the last year. 3.Total reflects the number of merchant outlets that accept one or more card brands through May Estimated enablement of RuPay, year-end 2012 Total Merchant Locations 21,300,000 (3) (4) 1
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 2 ©2011 Discover Financial Services LLC Confidential & Proprietary 2 Discover ® Mobile Opportunities
©2012 DFS Services LLC Confidential & Proprietary Everyone is getting into payments Key ecosystems are migrating services, impacting the payments model, as we know it. Traditional PaymentsMobile Social Media & Online Advertising Traditional Retail & eTail Emerging Commerce Visa Mastercard Wells Fargo Bank of America American Express First Data Chase Citi PayPal Discover ® Apple Bing foursquare shopkick Facebook Target Old Navy Best Buy The Home Depot Ace Hardware Lowe’s Amazon Walmart Office Depot Motorola SquareVerizon Apriva AT&T Roam Data Vivo Tech Nokia mFoundry Verifone Clairmail Intuit
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 4 MP Cloud (software-based) NFC / EMV (hardware-based) B2C B2B Strong and growing partnership foundation – Discover is ready
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 5 Which shopping channels? –Store –Online –Mobile web –App –Facebook What device? –Samsung Nexus S 4G –BlackBerry 9900 –iPhone How to identify myself? –Card –PIN –Phone # –Fingerprint ??? What POS? –Traditional –Portable –Customer-based mobile What form factor? –Mag stripe card –EMV –NFC –Barcode / QR –Empty hand Which data storage location? –Merchant –Third party –Device –Cloud There are too many choices
©2012 DFS Services LLC Confidential & Proprietary6 Two Helpful Resources For You Objective Create awareness on how Discover can help small businesses grow 1.Give them tools they need to differentiate themselves in the market 2.Detailed instructions and tools to succeed Facebook Guidelines, facts and helpful hints How to set up your business’ facebook QR Codes What is a QR Code How to get and use a QR Code How a QR code can help a small merchant
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 7 What is a Mobile Wallet? A mobile wallet is a digital container for payment credentials and value-added content and services, delivered via a mobile device. Payment credential (multiple forms) with singular or multiple accounts Membership and loyalty programs Personalized, location-specific coupons, rewards and content Ticketing for sports and entertainment venues Spend tracking and other financial management tools Mobile wallet implementations vary, but may include the following components:
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 8 Discover® Mobile Wallet Pilot Payments made leveraging Discover ® Zip technology Value added features Merchant Offers (60% of U.S. Smartphone users shop on-line before going in-store to buy 4 ) Transfer funds and redeem rewards 66% of 103.5mm U.S. Smartphone users willing to use it as a digital wallet 1 79% are interested in mobile coupons 2 59% use it to shop while in-store 3 1 – KPMG International’s 5 th Annual Consumers and Convergence survey 2 – Comscore, December – Insight Express Study – Cisco International Study, February 2012
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 9 Browse OffersView Offer Redeem Offer *Merchants identified above are for demonstration purpose only, and may not participate in the Discover Marketing Platform. Applications & Solutions Discover ® Offers
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 10 Chips, Products & Security 2D Barcode StickerSIM Wrapper iPhone CaseMicro SD Embedded NFC Form Factors SecureKey Acculynk PIN pad ProtectBuy / 3D Secure Online Security Sub-account Manager Mobile Wallet Powered by C-SAM Platforms & Services P2P From Discover ® Zip contactless and multiple form factors to TSM certification standards, we are investing in products and security that will give us the edge in mobile
©2012 DFS Services LLC Confidential & Proprietary A roadmap of new payment options Source: Market Platform Dynamics Mag Stripe Card-based transaction at existing terminal or mobile card reader Offsite Remote eCommerce or mCommerce (mobile web or mobile app) Onsite Remote Virtual checkout: eCommerce transaction by way of mobile device at physical POS Proximity: no payment credential Communication of mobile device to reader, exchanging token instead of payment information Proximity: payment credential Sending payment information directly from payment device to reader (NFC) Amazon PayPal Bill to Mobile Square Aisle Buyer Starbucks Cimbal Google Wallet Discover ® Zip ® Bluetooth Isis iPhone 5 Nintendo Wii ( 11/18 )
©2012 DFS Services LLC Confidential & ProprietaryCon fide ntial & Pro prie tary 12 ©2012 Discover Financial Services LLC Confidential & Proprietary 12 Thank You!
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