© 2014 Wirecard AG 1

Mobile PaymentNFC, QR, HCE, BLE …. NFCP 2014, LondonJUNE 2014

© 2014 Wirecard AG

WHO IS WIRECARD …

Leading international payment services provider More than 200 card programs worldwide Founded in 1999, listed on Frankfurt Stock

Exchange 2013 Revenue € 481.7 mn. / EBITDA € 126 mn. Full German Banking Licence and passported

European E-Money Licence Member of Visa, MasterCard, JCB, Discover,

Unionpay

© 2014 Wirecard AG

Mobile Payment Solutions launched by Wirecard

6 Co-branded Programmes

5 Countries

2 Years

© 2014 Wirecard AG

Customer Success Story – Telefonica

mpass is a new ubiquitous omni-channel payment solution offered by Telefonica o2 covering contactless as well as integrated e-commerce payment.

© 2014 Wirecard AG

Customer Case Study Mobile contactless payment product for

Telefonica O2 Account: Pre- and/or postpaid (de-coupled debit) Top-up methods: real-time money transfer, wire

transfer and direct debit Card Product: Maestro NFC-sticker, NFC mobile

card and virtual MasterCard Issuer: Wirecard Card Solutions Ltd. iPhone and Android Application Value-added Services:

Embedded real-time couponing and loyalty functionality Person-2-Person transfers Interface for e-commerce merchants

12/12

© 2014 Wirecard AG

© 2014 Wirecard AG

© 2014 Wirecard AG

Customer Success Story – Orange Cash

Orange Cash is a new way of paying with your mobile. The design and user experience is optimized focusing on usability and simplicity.

© 2014 Wirecard AG

Customer Case Study Contactless (NFC) mobile payment application Account: prepaid Top-up methods: wire transfer, credit card Card Product: NFC VISA mobile card and one-time

virtual VISA cards Issuer: Wirecard Card Solutions, UK Android Application (Windows planned) Specialities:

mobile-only product Embedded cashback / couponing functionality and POS locator

02/14

© 2014 Wirecard AG

CHALLENGES of the past and for the future?

© 2014 Wirecard AG Source: University of Augsburg, 2014

Technology Usability

Acceptance

Markets/Players

Scenarios (Usecases)

Security

Business Models

M-Payment System

obj

subj

Pay

men

t F

acto

rs

Mobile Applications

MOBILE PAYMENT IS COMPLEXITY2

© 2014 Wirecard AG

Payment Scenario

Perceived Security

Trust in MPSP

Perceived Ease of Use

Expressive- ness

Cost

Intention to use MP

Quantitative Factors for Active Use of Mobile Payment

-0,004

0,546

0,515

0,498

0,211 0,043

0,233-0,026

0,071

0,246

Source: University of Augsburg, 2014

Perceived Usefulness

© 2014 Wirecard AG

Successful mobile payment solutions must provide a good mobile UX and UI design.

© 2014 Wirecard AG

To be successful mobile payment solutions in addition require infusion of significant value throughout the purchase journey

before, during, and after payment.

© 2014 Wirecard AG

© 2014 Wirecard AG

Value Added Services are the key to drive adoption and usage: Request money from friends and relatives Person-2-Person transfers Online Payment Interface for secure and fast e-commerce

transactions (one-time) virtual cards for secure e-commerce transactions Loyalty and Coupouning

We must look at where the user is: sharing lunch with colleagues, paying at the POS, paying online, collecting and redeeming coupons and loyalty points, requesting money from friends and relatives, sharing purchase feedback through social networks, …

© 2014 Wirecard AG

Mobile Payment will come!

85% of 12 yrs old teenagers in Germany do have a smartphone!

NO ONE DOUBTS

© 2014 Wirecard AG

© 2014 Wirecard AG

Wirecard Technologies GmbH

Einsteinring 35

D-85609 Aschheim

Germany

christian.vonhammel@wirecard

Phone: 0049 89 4424 1405

Christian von Hammel-Bonten EVP Telecommunications Wirecard