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Innovation| Strategic Pillars of Innovation
November, 2012
OUR VISION
Launching of the new e-commerce platform
Acquisition of M4U
JV between Oi and Cielo Acquisition ofBraspag
Partnership withCybersource
Launching of Cielo MobileiOS System
Launching ofCielo Mobile Android
Launching ofCielo MobileBlackberry SMS
INNOVATION STRATEGY
Searching to add more value to Cielo in the short and long term, leveraging assets and current capabilities and developing new
• Cielo as the mainpartner ofCustomers
• Increase “share ofwallet”
• Increase the offerdifferentiation
Value-Added to Merchants
• Cielo as natural aggregator ofinformation
• Communication channels withconsumers
• Offers/business generation
Big Data + Personalized
Communication
• Payment totallyintegrated in theproduct “trackrecord”
• Solutions focusedin segments
Seamless Shopping
• Reach segmentsunderpenetrated
• Requiresinnovative andflexible solutions
Substitution of cash and check
Creating tools and methods for generating ideas and implement innovative projects
E-C
om
merc
eM
obile
1 2 3 4
INNOVATION STRATEGY
Searching to add more value to Cielo in the short and long term, leveraging assets and current capabilities and developing new
Value- Added to Merchants
Projects on going
Big Data + Personalized
CommunicationSeamless Shopping
Substitution of cash and check
1 2 3 4
4
Launching planned
Q1 Q2 Q3 Q4
- - - 02
2012
Q1 Q2 Q3 Q4
- - 02 -
2013
Projects on going
4
Launching planned
Q1 Q2 Q3 Q4
- - - -
2012
Q1 Q2 Q3 Q4
01 02 01 -
2013
Projects on going
0
Launching planned
Q1 Q2 Q3 Q4
- - - -
2012
Projects on going
0
Launching planned
Q1 Q2 Q3 Q4
- - - -
2012
ePayment
CIELO E-COMMERCE
79%
FINANCIAL VOLUME GROWTH
PARTICIPATION OF E-COMMERCE IN OUR VOLUME
OUR VIEW IN THE E-COMMERCE WORLD
EVOLUTION OF CIELO E-COMMERCE PLATFORMEvolution
THE VALUE CHAIN OF E-COMMERCE FOR CIELOValue-Chain
Business Generation Technological Platform Payments Back-office Logistic Solutions Support solutions
Advertising (showcase) Design Checkout Management Systems Storage solutions Support solutions
Advertising (management) Platform Acceptance Registration Delivery solutions
CRM ERP Integration Gateway Operational control
Anti-fraud Reports
Transaction Management
Criterion
THE PARTNERSHIP
Over a year and a half of analysis of the largest players around the World
Quality and efficiency of the tool
Company with global expertise and over 15 years of experience in fraud prevention in e-commerce
Ease of Use
Ease of Integration
Flexibility for customization
Specific anti fraud model by segment andunique to Brazil
Local support
Comprehensive solution to all customers of e-commerce, regardless of size
Features (+ 200 tests per transaction in real time)
Multilanguage tool
PRODUCT FEATURES
Access over 260 testing and validation services overall
Digital printing device
Geolocation of IP
Custom fields for your own data
Positive and Negative lists
Speed Monitoring
Detection of risk through neuralmodels
Change of ID
And more....
Innovation and Emerging Products
ACCEPTANCE of NFC
300,000
Step by Step sales process
POS ready for contactless payment
NFC AND CONTACTLESS
15
16
Nontraditional players using NFC technology are already accepted in our terminals
Source: Team analysis
OperatorsSearch / Advertising
Launched 3Q11 Launched 1Q12
CIELO MOBILE
17
CIELO MOBILE
First App that turns your smartphone or
tablet into a Cielo POS
Perfect for doctors, dentists, lawyers, other professionals and merchants
that require convenience and mobility
Data protected to ensure the integrity of
transactions
Sales Receipt may be sent by email to the cardholder
DATA CAPTURE SOLUTION
BrandsAccepted
18
FeaturesPlatform
Mobile 2006
Platform
Cielo Mobile 2012
Commercial Approach Technical Solution Sale and maintenance of equipment
Cielo Mobile Platform
Security = Authentication Service
Cardholder Authentication
Pay by Phone
Multibrand
Multiplatform
Connection
Telecom Operators
Products and ServicesRegular credit, Parcelado Emissor e
Parcelado LojaRegular Credit, Credit in Installments, and Auto Recarga
FunctionalitiesCancellation and Consultation within 90 days and sending
the sales receipt via e-mail
Partner Companies
3G GPRSEDGE
Secutiy Mobility Cost-Benefit Practicality
≥ 4.0 ≥ 1.6 ≥ 4.6 SMS
PLATFORM EVOLUTION
19
CIELO MOBILEIN FIGURES*
* Data of May 2012
MORE THAN 91 THOUSAND DOWNLOADS
ACCORDING TO SEGMENTS (NUMBER OF MERCHANTS)
33%
20,5%18,3%
10,6%
6%
SERVICES HEALTH
CARE
RETAIL CLOTHING ELECTRONICS
20
MOBILE TRANSACTION STEP BY STEP FIRST MENU
21
22
The mobile number is linked to the credit card number
It was born from a joint-venture between Cielo and Oi
First company of e-commerce in Brazil
Unique means of payment which allows purchase and
services through mobile
PRESENTING PAGGO
23
Do not add screens to flow closure request
Merchant protection against chargeback
Card data and password are protected
Do not require changes in the back-office of store
PAGGO ADVANTAGES
24
What is next?
in e-commerce
25