©2013 MasterCard. Proprietary and Confidential

The Technology Promise of Digital Money

Ann Cairns President, International Markets

©2013 MasterCard. Proprietary and Confidential

Consumers are Transacting Anywhere Online, Offline, Physical, Digital

Page 2 January 23, 2013

Consumer Experiences Consumer Experiences Developed Market Emerging Market

Receiving payroll and social benefits on mobile phone or card

Dining with a physical card

Shopping on a mobile phone

Accessing ATMs and merchants

Paying bills or merchants via SMS on a mobile phone

Commuting with a PayPass enabled mobile phone

©2013 MasterCard. Proprietary and Confidential

Digital Infrastructure Wallet Services Enabling Consumer Choice

Page 3 September 20, 2012

Partner Wallet

Connected Digital Wallets

Digital Acceptance

Network

©2013 MasterCard. Proprietary and Confidential

Gateway and Fraud Tools

Growth Markets

Foster Innovation

Infrastructure Secure Solutions for Merchants

Page 4 September 15, 2011

©2013 MasterCard. Proprietary and Confidential

Financial Inclusion Partnering with Governments…

Page 5 January 23, 2013

Innovative South Africa • Engagement with South African

Social Security Agency: ~10 million social grants biometric payment cards

…to reach the UNBANKED CONSUMER

Cashless Nigeria • Working with the Central Bank of

Nigeria encouraging a cashless environment

Direct Express USA • Working with US Treasury for

unbanked Social Security benefit recipients to receive prepaid cards

©2013 MasterCard. Proprietary and Confidential

Building the mobile eco-system Partnering with Major Telecoms Players

Page 6 January 23, 2013

All Together

Better

©2013 MasterCard. Proprietary and Confidential

Focus on Innovation MasterCard Labs

Page 7 January 23, 2013

“If you truly want game-changing solutions, you need to engage the organisation” Garry Lyons, Chief Innovation Officer

Teams of developers, designers, business people…

…deliver a prototype, business plan, and video demo…

…and compete to win based on business impact, creativity, and technology accomplishment

Innovation Express: from concept to prototype in 48 hours

©2013 MasterCard. Proprietary and Confidential

Digital Growth Opportunity

TRANSFORMING the shopping experience

EXPANDING our reach to new consumers

EXTENDING our network to new merchants

LEADING the transition to digital

Page 8 January 23, 2013

Transforming the shopping experience

Expanding our reach to new consumers

Extending our network to new merchants

Leading the transition to digital