Mobile payments have taken off across the world, but differ from country to country in terms of adoption rate, model, and payment method. As the world takes a deeper look into the present and future of mobile payments, WEX shares with you some of the key trends and talking points: - The Four Primary Mobile Payments Models: Contactless NFC, Web-Based Payments, Direct Mobile Billing, and Premium SMS -How Much Money Consumers Spend Using Mobile Payments -General Global Readiness for Mobile Payments -The Market for Mobile Payments in the US -Speed of Mobile Adoption -Payment Types Used in Mobile Payments -Wearables, Now and in the Future -How Starbucks Captured Mobile Payments Success

1. WEXCORPORATEINFOGRAPHIC
MOBILE
PAYMENTS
THEREARE4PRIMARYMODELSFORMOBILEPAYMENTS1
:
GLOBALMOBILESNAPSHOT
MOBILEPAYMENTADOPTION
U.S.MOBILEPAYMENTSWILLREACH$142BILLIONBY20194
WEARABLES
OFU.S.SMARTPHONEOWNERS7
MOBILELEADER:STARBUCKS8
$101.1
$721.4
$235.4
$431.1
$67,264
$100,408
$141,673
1
Statista
2
Statista (Gartner; Goldman Sachs)
3
Mobile Payments Readiness Index (MasterCard)
4
The State of Mobile Payments in 2015 on CIO.com (Forrester)
5
Executive Brief: 2016 Mobile Payments State of the Industry MobilePaymentsToday
6
Statista (Federal Reserve, GfK)
7
Wearables Payment study (Stratos)
8
MobileStrategies360
9
'Mobile Wallets,' the Future of Loyalty Marketing Programs (Entrepreneur)
DIRECTMOBILEBILLING WEB-BASEDPAYMENTS
(including apps)
PREMIUMSMS
GLOBALMOBILEPAYMENTTRANSACTIONVOLUME2
(in U.S. billions)
PAYMENTMETHODSUSEDWHENMAKINGMOBILEPAYMENTS6
GLOBALMOBILEPAYMENTSREADINESS2
(top 5 countries overall)
CONTACTLESSNFC
2011
2014
2012
2013
2015
2017
2019
Singapore 45.6%
Peer-to-peer transfer
Canada 42.6%
Singapore 40.4% Singapore 39.7%
Singapore 41.5%
$7.3K $53,141$6.8K
$11,899 $72,269$16,240
$16,833 $90,680$34,160
In-person payment
Remote payment
42% of people say the speed of
consumer adoption of mobile payments
has been slower then expected
45% said the deployment of mobile-
payment applications by businesses
has been slower than expected4
Debit Card 55%
Prepaid Debit Card 7.6% Phone Bill Charges 4.2%
Credit Card 51.2% Bank Account 40.7% Non-financial institution
Account (e.g. PayPal) 40.7%
Other 5.1%
30%own a
wearable device
43%would like to make
in-store payments with
their wearables
48%would wear their wearable
more if it had the ability to
make in-store payments
Starbucks’mobile app accounted
for 21% of the retailer’s U.S.
transactions in 1Q206
>1MILLION
Number of U.S. customers who
used Starbucks’Mobile Order
and Pay service in December 2015
11.1MILLION
Number of U.S. Members in Starbucks’
digital rewards loyalty program
—up 23% over 1Q2015
BUSINESSBENEFITSFOROFFERINGMOBILELOYALTYPROGRAMS9
:
Customer Retention Increased Sales Competitive Differentiation Cost Savings Improved Customer Service

2. WEXCORPORATEINFOGRAPHIC
MOBILE
PAYMENTS
THEREARE4PRIMARYMODELSFORMOBILEPAYMENTS1
:
GLOBALMOBILESNAPSHOT
MOBILEPAYMENTADOPTION
U.S.MOBILEPAYMENTSWILLREACH$142BILLIONBY20194
WEARABLES
OFU.S.SMARTPHONEOWNERS7
MOBILELEADER:STARBUCKS8
$101.1
$721.4
$235.4
$431.1
$67,264
$100,408
$141,673
1
Statista
2
Statista (Gartner; Goldman Sachs)
3
Mobile Payments Readiness Index (MasterCard)
4
The State of Mobile Payments in 2015 on CIO.com (Forrester)
5
Executive Brief: 2016 Mobile Payments State of the Industry MobilePaymentsToday
6
Statista (Federal Reserve, GfK)
7
Wearables Payment study (Stratos)
8
MobileStrategies360
9
'Mobile Wallets,' the Future of Loyalty Marketing Programs (Entrepreneur)
DIRECTMOBILEBILLING WEB-BASEDPAYMENTS
(including apps)
PREMIUMSMS
GLOBALMOBILEPAYMENTTRANSACTIONVOLUME2
(in U.S. billions)
PAYMENTMETHODSUSEDWHENMAKINGMOBILEPAYMENTS6
GLOBALMOBILEPAYMENTSREADINESS2
(top 5 countries overall)
CONTACTLESSNFC
2011
2014
2012
2013
2015
2017
2019
Singapore 45.6%
Peer-to-peer transfer
Canada 42.6%
Singapore 40.4% Singapore 39.7%
Singapore 41.5%
$7.3K $53,141$6.8K
$11,899 $72,269$16,240
$16,833 $90,680$34,160
In-person payment
Remote payment
42% of people say the speed of
consumer adoption of mobile payments
has been slower then expected
45% said the deployment of mobile-
payment applications by businesses
has been slower than expected4
Debit Card 55%
Prepaid Debit Card 7.6% Phone Bill Charges 4.2%
Credit Card 51.2% Bank Account 40.7% Non-financial institution
Account (e.g. PayPal) 40.7%
Other 5.1%
30%own a
wearable device
43%would like to make
in-store payments with
their wearables
48%would wear their wearable
more if it had the ability to
make in-store payments
Starbucks’mobile app accounted
for 21% of the retailer’s U.S.
transactions in 1Q206
>1MILLION
Number of U.S. customers who
used Starbucks’Mobile Order
and Pay service in December 2015
11.1MILLION
Number of U.S. Members in Starbucks’
digital rewards loyalty program
—up 23% over 1Q2015
BUSINESSBENEFITSFOROFFERINGMOBILELOYALTYPROGRAMS9
:
Customer Retention Increased Sales Competitive Differentiation Cost Savings Improved Customer Service