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The Mobile, your preferred Wallet



                          Jean-Claude Deturche
                              Senior Vice President
                           Mobile Financial Services




                           November 17th, 2011
The Mobile is Revolutionizing the Global Financial
Market
   Developed Markets
                                   Emerging Markets




Banking & Financial Management
Proximity and Remote payments
         P2P transfers                Branchless banking
          Bill payment                   P2P transfers
                                          Bill payment
                                    Payments to merchants
                                  Salary/welfare disbursement
                                        Micro-financing




                                                                2
Since 2010 A Wave of Mobile Proximity Payment
Initiatives




                                                3
Thank You
NFC devices are reaching mass market


          NFC PoS deployment driven by contactless cards roll-out
 Contactless payment card
                                 85% of POS terminals to
 shipment will grow by 30%                                         21% of Ingenico POS
                                   support contactless
in 2011 (after 50% growth in                                     shipped in 2010 were NFC
                                    payments in 2016
            2010)
             Eurosmart Jan2011                    ABI Research                       Ingenico




          NFC phones are reaching mass market

                                                                   SIMs are available for
Samsung, LG, Nokia, RIM…         Battle over SE control on-
                                                                  commercial deployment
 Forecast at 630Mu in 2015       going – Google Nexus S

             Informa Sept2011




                                                                                            5
The Market Opportunity

  Mobile Payments
  • Juniper: Mobile Payments will grow from $170B in 2010
      to almost $630B in 2014
  •   Number of mobile payment users will grow from
      351 million to 1.06 billion
  •   Mobile payment transactions will grow from 37.4 billion
      to 1.13 trillion
  •   Location-Based Services and Mobile Advertising are
      driving the shift to mobile payments
  •   NFC anticipated as a true game changer if ecosystem
      can be created

                                                                Banking the Poor
                                                                • 80% of the world population is unbanked -
                                                                    traditional banking does not cater to the “base of the
                                                                    pyramid”
                                                                •   Bank branch and ATM penetration is lowest in
                                                                    countries with the highest mobile subscription
                                                                    growth rates
                                                                •   Mobile wallets make it possible to extend basic
                                                                    formal financial services to the poor – for cash
                                                                    deposit, withdrawal, money transfer and payments
                                                                •   Gartner: Annual revenue from mobile banking for the
                                                                    unbanked in emerging markets will reach $8 billion
                                                                    by 2012



                                 21/11/2011
                                                                                                                             6
Gemalto has unrivalled NFC experience and
references
 6 years of investment, 45 Projects to date



                           v



                                              v
                                              v




         Unique relationships with most major banks, telcos and
                           transport operators                    7

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Mr Deturche Gemalto The Mobile

  • 1. The Mobile, your preferred Wallet Jean-Claude Deturche Senior Vice President Mobile Financial Services November 17th, 2011
  • 2. The Mobile is Revolutionizing the Global Financial Market Developed Markets Emerging Markets Banking & Financial Management Proximity and Remote payments P2P transfers Branchless banking Bill payment P2P transfers Bill payment Payments to merchants Salary/welfare disbursement Micro-financing 2
  • 3. Since 2010 A Wave of Mobile Proximity Payment Initiatives 3
  • 5. NFC devices are reaching mass market NFC PoS deployment driven by contactless cards roll-out Contactless payment card 85% of POS terminals to shipment will grow by 30% 21% of Ingenico POS support contactless in 2011 (after 50% growth in shipped in 2010 were NFC payments in 2016 2010) Eurosmart Jan2011 ABI Research Ingenico NFC phones are reaching mass market SIMs are available for Samsung, LG, Nokia, RIM… Battle over SE control on- commercial deployment Forecast at 630Mu in 2015 going – Google Nexus S Informa Sept2011 5
  • 6. The Market Opportunity Mobile Payments • Juniper: Mobile Payments will grow from $170B in 2010 to almost $630B in 2014 • Number of mobile payment users will grow from 351 million to 1.06 billion • Mobile payment transactions will grow from 37.4 billion to 1.13 trillion • Location-Based Services and Mobile Advertising are driving the shift to mobile payments • NFC anticipated as a true game changer if ecosystem can be created Banking the Poor • 80% of the world population is unbanked - traditional banking does not cater to the “base of the pyramid” • Bank branch and ATM penetration is lowest in countries with the highest mobile subscription growth rates • Mobile wallets make it possible to extend basic formal financial services to the poor – for cash deposit, withdrawal, money transfer and payments • Gartner: Annual revenue from mobile banking for the unbanked in emerging markets will reach $8 billion by 2012 21/11/2011 6
  • 7. Gemalto has unrivalled NFC experience and references 6 years of investment, 45 Projects to date v v v Unique relationships with most major banks, telcos and transport operators 7