2020 Investor Day
2020 Investor DayGrowing Consumer PaymentsDriving New FlowsOliver JenkynChris ClarkCharlotte HoggAndrew TorreEduardo CoelloRyan McInerneyBill SheleyKevin Phalen
Forward-looking StatementsThis presentation contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Actof 1995. Forward-looking statements generally are identified by words such as “will,” “is expected,” and other similarexpressions. Examples of forward-looking statements include, but are not limited to, statements we make regarding theopportunities for growth, our strategy, future operations and outlook.By their nature, forward-looking statements: (i) speak only as of the date they are made; (ii) are not statements of historicalfact or guarantees of future performance; and (iii) are subject to risks, uncertainties, assumptions or changes in circumstancesthat are difficult to predict or quantify. Therefore, actual results could differ materially and adversely from Visa’s forwardlooking statements due to a variety of factors, including those contained in our Annual Report on Form 10-K for the fiscal yearended September 30, 2019, and our other filings with the U.S. Securities and Exchange Commission.You should not place undue reliance on such statements. Except as required by law, we do not intend to update or revise anyforward-looking statements as a result of new information, future developments or otherwise.Please see end of presentation for notes and disclosures.2 2020 Visa. All rights reserved.
Growing Consumer Payments2020 Investor Day
North AmericaOliver JenkynRegional President2020 Investor Day
North America: OverviewVisa ScaleCredentials 1BCardsNew CredentialsMerchantLocationsPaymentsVolume5Cash & Check 33% of PCECanada 4TEngagementOpportunity1B 10MAcceptance364M Population76BPaymentsTransactions10M UntappedMerchants 4TCash & CheckConversionOpportunitySources: Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018;, World Bank Global Findex Database, 2017; Global SME Finance Forum; Visa OperatingCertificates; Visa Analysis.U.S. 4TCash & Check Opportunityas a % of PCE:High ( 50% cash & check)Moderate (25%-50% cash & check)Low ( 25% cash & check)Cash & Check Opportunity ( ) 2020 Visa. All rights reserved.
North America: Key growth leversNorth American clients prefer Visa because ofour brand, our platform and our expertise We lead with the largest partners in North AmericaCredentials We are winning with fintechsVisa is opening up new acceptance in underpenetratedsegments and enabling new use casesAcceptanceVisa is driving innovation to make it easier to pay In-store (tap to pay)Engagement6 Online (click to pay)Sources: Nilson; U.S. Consumer Payment Panel Study; VisaNet Data; Visa Analysis.19 / 25Largest portfoliosare primarily Visa 70%Win rate in fintechdeals 1MAnnual newacceptance points25 300M83 / 100Transit systemsmoving to tap to payU.S. tap to pay cards inforce by EOY 2020Top merchants accepttap to pay 2020 Visa. All rights reserved.
Partnership strength: Leading partners chooseVisa and outperform peersLeading share withlargest partners19 of 258 of 104 of 58 of 107CredentialsAcceptanceEngagementVisa partners outperformVisa partnership helpsour clients growLargest North Americaportfolios1Largest Visa Issuers vs.Largest Competitor Issuers(3-Year View)2,3Visa Brand PremiumLargest U.S. issuers21.1 ppt Faster growthLargest Canadiancredit issuers2 65B Issuer volumeLargest North Americaco-brands 1-1.5B Issuer revenue10.7%U.S. Spend Lift4 Visa Consulting & AnalyticsNew product designRisk optimizationDigital marketing expertiseSpend momentum analysisNotes: 1. Includes debit and consumer credit; 2. Excludes American Express and Discover; 3. Visa’s Top 5 U.S. Issuers by payments volume vs. Competitor’s Top 5 U.S. Issuers 2015-2018, excludes PIN debit; 4. Transunion analysisof their proprietary U.S. transaction database spanning over 310 million U.S. Visa- and MA-branded active credit cards showing spend lift (March 2017-March 2018 performance period), less Visa-calculated Costco effect; riskadjusted balance line is calculated on the full database of 310 million active cards whereas spend lift is calculated based on a subset of active credit cards where Issuers send monthly payment data to Transunion.Sources: Nilson; U.S. Consumer Payment Panel Study; Visa Consulting and Analytics Issuer Benchmark Study; TransUnion; Visa Operating Certificates; VisaNet data; Visa Analysis. 2020 Visa. All rights reserved.
Fintech focus: Visa’s approach is successfullydriving growthU.S. consumers areembracing fintechs 70%of North Americaconsumers used afintech app in 20198Fintechs are choosingVisa because of ourBrand StrengthExpertise and Trust Advice & consultingExperienceCredentialsAcceptanceWe are winning withtop partners 70%Win Rate1Fintech Fast Track Streamlined onboardingEcosystem partnersSimple commercialagreementsNote: 1. Fintech win rate based on analysis of deals won as a percentage of total pool of deals over a certain size.Source: EY Global Fintech Adoption Index, % of digitally active consumers that used a money transfer or payments application; Visa Analysis.Engagement 2020 Visa. All rights reserved.
Expand acceptance: Driving growth with newsegments and use cases 350B 570BTuitionRent1OpportunitySize in NewUse Cases:9 165B 50BUnattendedRetailSports Wagering 26BParking 17BCrowdfundingNote: 1. Data was researched by Euromonitor International plc for its client, Visa U.S.A. Inc. and its subsidiaries using industry standards. Euromonitor disclaims and excludes any and all liability for any losssuffered by any party as a direct or indirect result of the use of any of the Extracts.Sources: Euromonitor Consulting 2019 Visa Rent Payments; Sports Legalsportsbetting.com; Barclays Research, 2019; IBIS World, 2019; Fundly.com; Euromonitor Merchant Segment Study, 2018; APTA Factbook,2019; VisaNet Data.CredentialsAcceptanceEngagement 120BMicromobility 16BTransit 2020 Visa. All rights reserved.
Expand acceptance: Driving growth with newsegments and use casesCredentialsAcceptanceNY MTA Momentum 4,000,000 Visa taps in 8 months 60,000 Visa taps per weekday (on average) 30% stations enabled to date; full roll-out byend of 202010Sources: Partner provided data; Visa Analysis. 2020 Visa. All rights reserved.Engagement
Expand acceptance: Driving growth with newsegments and use aEdmontonVancouverTransit Systems:Live and in Planning125 11LavalOttawaPor tlandBostonTorontoNew YorkNew JerseyPhiladelphiaChicagoSan DiegoHonoluluNote: 1. NA cities currently accepting tap to pay payments or where transit agencies are planning next-generation payment systems expected to support tap to pay payments; mapshows only cities where next-generation payment systems are currently operating or have been publicly announced.Source: Public statements; Visa Analysis.DallasHoustonTampaMiami 2020 Visa. All rights reserved.
Tap to pay: Frictionless way to pay in-storeCash remains prevalent in the U.S.CredentialsAcceptanceTap to pay displaces cashTap to pay drivesAmericans average12cash transactionsper monthCash still accounts for55%of all transactions 10 20%transaction lift in maturemarkets globally1In the U.S. so far2 4Transactions per month12Note: 1. Study compares the U.S. to mature markets with similar ‘pre-contactless’ payment behaviors and sufficient contactless activity: Australia, Canada, Ireland, New Zealand,Switzerland, and the U.K. 2. Transaction lift analysis of tap to pay active cardholders, VisaNet data, January 2018 – January 2019.Sources: Federal Reserve, Diary of a Consumer, 2018; Assessing the U.S. Contactless Opportunity: Learnings from the Global Experience, A.T. Kearney 2018; VisaNet data. 160Spend per month 2020 Visa. All rights reserved.Engagement
Tap to pay: Frictionless way to pay in-storeCredentialsAcceptanceTap to pay in the U.S. is poised for take-offIssuer Side145Mtap to pay cards issuedtoday8300Mtap to pay cards issuedby the end of 202083of the top 100 merchantsaccept tap to pay69%of F2F transactions occurat tap to pay merchants1713Merchant Sideof the top 25 issuers areissuing tap to pay cardsSources: VisaNet data; Visa Analysis.of the top 10 merchantsaccept tap to pay 2020 Visa. All rights reserved.Engagement
Click to pay: Frictionless way to pay onlineToday, guest checkout representsapproximately half of digital card notpresent purchases and can involve 23steps, taking almost three minutes14CredentialsAcceptanceWith click to pay, it can be assimple as two clicks 2020 Visa. All rights reserved.Engagement
North America is Visa’s largest region and still has a hugerunway for future growthNorth American clients prefer Visa because of our brand, our platformand our expertiseCredentials We lead with the largest partners in North America We are winning with fintechsVisa is opening up new acceptance in underpenetrated segments andenabling new use casesAcceptanceVisa is driving innovation to make it easier to pay In-store (tap to pay)Engagement15 Online (click to pay) 2020 Visa. All rights reserved.
Asia PacificChris ClarkRegional President2020 Investor Day
Asia Pacific: OverviewCredentials3.9B PopulationVisa ScaleOpportunity970M768MCardsUnbankedCash & Check 48% of PCEChina 1T 2.1TJapanIndia20MAcceptanceMerchantLocations ons 1.4T100M UntappedMerchants 6TCash & CheckConversionOpportunitySources: Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; World Bank Global Findex Database, 2017; Global SME Finance Forum; World Bank, 2018;Euromonitor Industrial Database; Nilson; Visa Operating Certificates; Visa Analysis. 1.1TSoutheastAsiaCash & Check Opportunityas a % of PCE:High ( 50% cash & check)Moderate (25%-50% cash & check)Low ( 25% cash & check)Cash & Check Opportunity ( ) 2020 Visa. All rights reserved.
Asia Pacific: Key growth leversCredentialsAcceptanceEngagementWe are investing to rapidly grow Visa credentials with anincreasingly diverse roster of clientsWe are opening up new acceptance in underpenetratedsegments and enabling new uses casesVisa is making the payment experience frictionless toincrease consumer engagement – tap to pay is a key partof this strategyAsia Pacific is a very diverse region and we operate in 46markets – our approach is tailored to each market and itsunique needs18Sources: Public announcements and data provided by partners; Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; Visa Operating Certificates; VisaNet data.20 1B Wallet partnersUsers connected tothese wallets2.3xAcceptance locationsvs. three years ago41%Tap to pay penetrationin 2019Up to3.8x 4.5TTransactions per activecard for tap to pay usersCash & check opportunityacross Japan, India andChina 2020 Visa. All rights reserved.
We are partnering with market-leading wallets togrow credentials and acceptance across Asia PacificCredentialsAcceptanceEngagementVisa offers wallets greater payment functionality to bothconsumers and merchants in their ecosystemAcross AP20 Wallet partners1B Users65M IndiaSouth Korea164M Users4 Key Markets540M Users16M Merchants16M UsersChinaFor Taiwan: 8B Payments Volume2.5M CredentialsOther markets underwayIndonesia and Southeast AsiaMerchants50M Merchants19Thailand, Indonesia,Japan and TaiwanNotes: LINE users represent Monthly Active Users, LINE Taiwan numbers represent LINE Pay Visa co-brand in Taiwan only.Sources: Public information; Data provided by partners; VisaNet data; Visa Operating Certificates.155M App Downloads420K Merchants 2020 Visa. All rights reserved.
Tap to pay drives higher consumer engagementthrough frictionless payment experiencesComparing tap to pay users vs.non-users:Up to3.8xTransactions per activeAsia Pacific tap to paypenetration229% 41%card12016201947%33%Post tap to pay activation,cardholders make:3.9x2.3x2085%60%Spend per active cardTransactions at fast foodrestaurantsAcceptanceTap to Pay Penetration (%)Up 4Sep-15Sep-16Sep-17Sep-18Sep-19Transactions at grocery storesand supermarketsNotes: 1. Active card refers to cards with at least one purchase during analysis period; 2. Based on face-to-face transaction processed by Visa.Source: VisaNet data. 2020 Visa. All rights reserved.
India: Capturing the 1T opportunityCredentialsAcceptanceEngagementVisa is the credit and debit market share leader with strong momentum19% CAGR93%TransactionsDriving credentials and acceptance throughfintech partnerships Google Pay: Tokenized credentialsFY16FY17FY18FY19Expanding credit access to large debit base(50M credit cards vs. 800M debit cards in 2019)20% CAGR82%Payments VolumeFY16 Co-brand partnership with large consumer platforms (Amazon Pay, Ola)FY17FY18FY1934% CAGR103%Acceptance1FY16 Paytm: Debit, co-brand credit, tap to pay acceptanceFY17FY18FY19 Deploying installment payment solutionImproving consumer engagement through frictionlesspayment experiences Market-specific solutions such as: Recurring payments platformwith BillDesk, Visa Safe Click FY 2019 tap to pay penetration 14x vs. FY 2018Demonetization21Note: 1. Number of merchant locations.Sources: Reserve Bank of India; VisaNet data; Visa Operating Certificates. 2020 Visa. All rights reserved.
Japan: Capturing the 1.4T opportunityCredentials24%201940%2025 Maximize Olympic Games Tokyo2020 platform to driveinfrastructure enablementSignificant growth since 2016 3111MIssuersCardsProcessing penetration% Processed transactions Leverage strong partnerships togrow penetration with optimized42%acquirer and issuer solutions32%17%FY1022Sources: METI of Japan; Visa Operating Certificates; VisaNet data.3xDebit PaymentsVolume & Transactions Large untapped opportunity: debit penetration 10% Partnering with top banks to penetrate account holders with debit Support innovation: digital debit, tap to pay issuance, mobileFintech partnershipsPartnering with fintechs to scale credentials and acceptanceEngagementDebit opportunityGovernment’s cashless agendaePayment PCE penetration Enable tap to pay, leveragingstrong issuers and growingGovernmentacceptance in everyday spendgoalcategoriesAcceptanceFY16FY19 Deepen value creation for clientswith Value Added Services(e.g., risk solutions, tokenization,data products, CyberSource) 2020 Visa. All rights reserved.
China: Capturing the 2T opportunityStrong existingbusinessPartnering to scaleacceptance Leading share amonginternational schemes in7 of top 8 issuers representing 120M cards in force 18x traditional acceptance pointssince FY 201623Source: Visa Operating Certificates.AcceptanceEngagementPreparing for market entry Beijing Innovation Centerto help tailor solutions Growing penetration intonew merchant segmentsand smaller cities Partnering with large walletplatforms to drive a step changegrowth in inbound acceptance Growing fintech partnershipsto facilitate new use casesCredentials Working with Chinesegovernment to continue toprogress market entry efforts 2020 Visa. All rights reserved.
Asia Pacific presents a significant long-term growth opportunityCredentialsAcceptanceEngagementWe are investing to rapidly grow Visa credentials with an increasingly diverse roster of clientsWe are opening up new acceptance in underpenetrated segments and enablingnew uses casesVisa is making the payment experience frictionless to increase consumer engagement – tapto pay is a key part of this strategyAsia Pacific is a very diverse region and we operate in 46 markets – our approach is tailoredto each market and its unique needs24 2020 Visa. All rights reserved.
EuropeCharlotte HoggCEO2020 Investor Day
Europe: OverviewCredentialsVisa ScaleOpportunity560M53MCardsMerchantLocations 1.7TPaymentsVolumeEngagement26UnbankedCash & Check 32% of PCEUK 150B16MAcceptance619M Population10M UntappedMerchants 580BGermanySpain 300B41BPaymentsTransactions 3TCash & CheckConversionOpportunitySources: Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; World Bank Global Findex Database, 2017; Global SME Finance Forum; Visa OperatingCertificates; Visa Analysis.Italy 600BTurkey 180BCash & Check Opportunityas a % of PCE:High ( 50% cash & check)Moderate (25%-50% cash & check)Low ( 25% cash & check)Cash & Check Opportunity ( ) 2020 Visa. All rights reserved.
Post integration, Europe is a stronger business poised foraccelerated growthTeamCapabilitiesClientsPerformancebuilt our teamin local marketsenhanced ourcapabilitiescultivated ourclient baserealized greater financialbenefits than expected 123%100% 37%Increase inclient-facing staff27Source: Visa AnalysisClients migrated toVisaNet without incidentIncrease inclient NPS 2xProfit ahead of acquisitionbusiness case 2020 Visa. All rights reserved.
Europe: Key growth leversCredentialsAcceptanceEngagementVisa is partnering with fintechs in their efforts to digitizepayments and reach the unbanked85MWe are broadening into new verticals, including openingup transit opportunities across Europe20%Visa is setting the pace in new authentication productsas the European regulatory landscape is changingWe are deploying specific strategies tailored to trends ineach key market28Sources: ATKearney European Retail Banking Radar 2019; Registrations with National Competent Authorities in Europe, 2Q19 to 3Q19; Visa Operating Certificates.2x 2.0TNeobank customersby 2023Growth in acceptancelocations since FY2017Open banking serviceproviders since 2018Cash & check opportunityacross France, Germany,Poland, Spain, Italy andTurkey 2020 Visa. All rights reserved.
We are making meaningful progress acrossfintech segmentsCredentialsAcceptanceEngagementFintech Fast TrackCategoryCountryUKDigital BanksLithuaniaSwitzerlandUnbankedFocusTurkeyXB SpecialistsTurkeyLendingUKB2BWallet29Source: Visa Analysis.UKEstoniaFranceFintechNew end-to-end approach, shortening the onrampfor fintechs to partner with Visa46fintech dealssigned84active fintechpipeline 2020 Visa. All rights reserved.
Acceptance growth comes through expansionacross new segments, markets and payment flowsGrowth vector1Reach small businessesin key marketsAcquirer Rallye – Small business campaignacross Germany geared towards welcominginternational payment schemesSoft POS launch to accept tap to pay on anySamsung deviceEnable acceptancevia new channels3Expand to sectorsin which cards areunderpenetratedVending solutions to address payments UX andconnectivity issues at 35K vending machinesDevelop acceptancein segments with lowcard usageElectric vehicle solutions address UX androaming payments across charging network30Note: First Data is now Fiserv.Sources: Visa Operating Certificates; Visa Analysis.AcceptanceEngagementSuccess stories24Credentials20% growthin acceptancelocations since 201770% tap to paypenetration 2020 Visa. All rights reserved.
Transit creates a ‘halo’ effect in tap to payenabled marketsCredentialsAcceptanceEngagementFrom the launchpad of London we are now enabling public transportation across the region2x70%Greater increasein transactions bytap to pay TfL usersHigher growthin spend by tapto pay TfL usersVisa Ready for Transit program 31Expert guidance to transit operatorsVisa certification for third-party productsSpeed of delivery in close partnershipwith technology providersSources: VisaNet data; Visa Analysis.London, Madrid, Milan, Rome,Edinburgh, Manchester, Florence,Warsaw, Dijon, Prague, Glasgow,Gdańsk, Lodz.35Transit systemslaunched todate40Transit systemsin pipeline 2020 Visa. All rights reserved.
We are well positioned as open bankingaccelerates in EuropeAuthentication solutions already in market tosupport clients as they prepare for PSD2 & SCA3D secure 2.2AcceptanceEngagementVisa’s broad reach and connectivity to financial institutionsput us in a strong position to scale open banking servicesApp DevelopersEnhanced 3DS to manage SCAexemptions and improve UXLendingVisa delegatedauthenticationAllows issuers to “delegate”authentication to a 3rd-partyVisa transactionadvisorHelps acquirers and merchants identifylow risk transactions for SCA exemptionVisa trusted listingAccelerates checkout experiencesby “trusting” preferred merchantsHelping the ecosystem champion securitywithout jeopardizing the consumer experience32CredentialsBrokerage / BankingFinancialInstitutionsOpen BankingPlatformPersonal FinanceConsumer /Business UserBusiness FinanceEnabling the ecosystem to deliver secureinnovation to better delight consumers 2020 Visa. All rights reserved.
On the continent, we have market-specificstrategies to fuel growth over the next several yearsCredentialsGermanyCash &Check PCE 580BLaunch Debit as a platformfor everyday use and forinnovation, includingeCommerce, mobile andinternationalItalyCash &Check PCE 600BAs government incentivespromote e-payments,increase presencewith clients to helpthem capture growthFranceCash &Check PCE 220B33In advance of Paris 2024Olympics, develop tapto pay for public transitand improve acceptanceof overseas cards 150BWith the help of thegovernment CashlessPoland initiative, buildacceptance among smallbusinessesSources: Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; World Bank population statistics.EngagementSpainCash &Check PCE 300BPolandCash &Check PCEAcceptanceFocus on cashdisplacement in transitand tourismTurkeyCash &Check PCE 180BSupport issuers andfintechs targeting theunbanked, build tap topay and eCommerce 2020 Visa. All rights reserved.
Germany: A new approach to penetratinga nearly 600B cash & check opportunityThrough a refreshed strategy, we are creatinga flywheel for future growth.3X increasein market staffIncreasebrandawarenessAttack withDebit Visa DebitDPSDeliver in-marketissuer processing34Sources: Oxford Economics; Visa gement.and our efforts are beginning to deliver,laying the foundation for growth68%80% 60%Visa Debit share of newcards issuedAcceptance locations thatare tap to pay enabledClients using Value Added Servicesto drive loyalty and usage 2020 Visa. All rights reserved.
Our strategies will accelerate growth across all of EuropeCredentialsAcceptanceEngagementVisa is partnering with fintechs in their efforts to digitize paymentsand reach the unbankedWe are broadening into new verticals, including opening up transitopportunities across EuropeVisa is setting the pace in new authentication products as the Europeanregulatory landscape is changingWe are deploying specific strategies tailored to trends in each key market35 2020 Visa. All rights reserved.
Central Europe, Middle Eastand Africa (CEMEA)Andrew TorreRegional President2020 Investor Day
CEMEA: OverviewCredentialsVisa a &Eastern EuropeUnbanked60M UntappedMerchantsMerchantLocations 480BEngagementCash & Check 74% of PCE 600B5MAcceptance2B Population19BPaymentsTransactions 2.5TCash & CheckConversionOpportunitySources: Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; World Bank Global Findex Database, 2017; Global SME Finance Forum; Visa Operating Certificates;Visa Analysis.Middle EastAfrica 700B 1.2TCash & Check penetrationas a % of PCE:High ( 50% cash & check)Moderate (25%-50% cash & check)Low ( 25% cash & check)Cash & Check Opportunity ( ) 2020 Visa. All rights reserved.
CEMEA: Key growth leversCredentialsAcceptanceEngagementVisa is partnering with fintechs, neobanks and walletsto enable new payment experiencesWe continue to accelerate growth by enabling new typesof merchants and distributors27%Increase in acceptancein the last yearVisa is leading the evolution to seamless and secure commercethrough tap to pay52%Growth in tap to paypenetration over last year12 Government partnershipslaunched or plannedWe are helping governments meet increasingly complexpayment demandsVisa is co-creating customized value propositions for uniquemarket and segment needsWe are partnering with leading players in Sub-Saharan Africa38200M Potential credentialswith wallet partnersSources: Global Monthly Tap to Pay reports, Oct-18 and Sept-19; World Bank Global Findex Database, 2017; Projections based on Visa Operating Certificates; VisaNet data.65%2/3Share of affluent spendin CEMEAof people 15 withouta bank account 2020 Visa. All rights reserved.
Visa is the partner of choice for fintechs,delivering Visa credentials to new usersVisa’s Fintech Fast TrackProgram provides a onestop platform for newplayers to establish openloop wallets / capabilitiesand scale their offeringsIssuing credentials withfintechs, neobanks anddigital walletsCredentialsAcceptanceSupported by anecosystem of enablersand funds / acceleratorsFintech Progress 75% deal success rate131 partnerships4 investments12 fintech launches39Note: 1. Deal success rate based on analysis of deals won as a percentage of total pool of deals over a certain size.Source: Visa Analysis.EngagementExamples of partnerships 2020 Visa. All rights reserved.
Transforming Visa go-to-market and solutionsto grow acceptance with merchantsGo-to-market approaches1Grow F2F acceptance in theSME segment by partneringwith new distributors andtraditional acquirers340Expand eCommerceacceptance by enabling newand innovative use casesBuild new value propositionsfor acquirers and merchantsSource: Visa Operating Certificates; Visa Analysis.AcceptanceEngagementExamples of recent efforts and partnershipsSME acceptance across 10 African marketsLow-cost terminals in South AfricaEnabling terminals for Visa acceptance2CredentialsGateway for Chat CommerceeCommerce acceptance in NigeriaMicrolending to merchants 27%Increase in acceptancelocations in the last year700K New POSoutlets400K New QR /USSD / SoftPOS outlets 2020 Visa. All rights reserved.
Leading the evolution of seamless and securedigital commerce through tap to payHighest Visa regionIn F2F tap to pay penetration52%Growth of tap to pay penetration inCEMEA over the last yearEnablersTokenizationUrban Mobility41Sources: VisaNet data; Visa Analysis. 200% in 201969 launchesCredentialsAcceptanceEngagement#10 Russia - 83% 16%Increase inactivecardholderspending fromtap to payactivation#1 Georgia - 96%CEMEA F2F tap to pay penetrationVery High ( 80%)High (50%-80%)Moderate (20%-50%)Low ( 20%)Global ranking 2020 Visa. All rights reserved.
Driving innovation, new use cases andpayments volume with local switchesExamples of partnershipsTailoredpaymentsolutions Launch of Multicurrency Prepaid with The SaudiInvestment Bank to all government employees Enabling domestic eCommerce with Saudi PaymentsValue AddedServices Rollout P2P, Tokenization and Mobile Apps with HPSdomestic switch in MoroccoLocalprocessing Building domestic infrastructure in South AfricaEcosystemdevelopment Digitization of payments and financial inclusionin Cote d’IvoireCredentialsAcceptanceEngagementKey partnership componentsVisa onmobileNewproductsand servicesNewflowsTokenizationValueAddedServices 8.2B opportunity size of government purchases1Only 4% use mobile phone to access a bank account22% YoY growth in Visa transactions59% of people unbanked12 launched or planned government engagements and partnerships with local switches42Note: 1. Based on total value of government B2B purchases in 2019.Sources: World Bank Global Findex Database, 2017; Euromonitor; VisaNet data; Visa analysis. 2020 Visa. All rights reserved.
Delivering customized solutions forsophisticated and affluent cardholdersAffluent consumers drive outsized impactfor Visa’s business in CEMEAAffluent drives30%Affluent cards seeVisa holds43AcceptanceEngagementVisa continuously updates and tailors offersbased on customer preferences and needsExamples of recently launched product benefits include:of Visa CEMEA volumes 15x 65%Credentialshigher cross-borderspend vs. other cards1share of affluent inAirportfast-laneDiningdiscountsCity roffersCinemadiscountsCustomer awareness of benefits drives 25% higher card spendNotes: 1. Affluent cards considered to be Visa Platinum, Signature and Infinite; 2. Calculated based on World Bank reported international travel and tourism expenditures from KSA, 2017.Sources: VisaNet data; Visa Analysis. 2020 Visa. All rights reserved.
Partnering with leading African players oncredentials, acceptance and engagement2.4x 3%44Median age vs.30.3 globallyHigher annual populationgrowth than globalAcceptanceAcceptanceEngagementCard PCE penetration(excl. South Africa)2/3of people 15 without a bank account46%of the world’smobile money usersEngagementCredentialsSub-Saharan AfricaMarket-at-a-Glance18.4CredentialsSources: World Bank Development Indicators; Euromonitor Soci-Economic Indicators; Central Bank data; Oxford Economics; Euromonitor Merchant Segment Study, 2018; World Bank Global Findex Database, 2017; GSMA State ofthe Industry Report on Mobile Money, 2018. 2020 Visa. All rights reserved.
CEMEA has huge growth potential driven by bringing newconsumers and sellers in the financial systemCredentialsVisa is partnering with fintechs, neobanks and wallets to enable new payment experiencesWe continue to accelerate growth by enabling new types of merchants and distributorsAcceptanceVisa is leading the evolution to seamless and secure commerce through tap to payEngagementWe are helping governments meet increasingly complex payment demandsVisa is co-creating customized value propositions for unique market and segment needsWe are partnering with leading players in Sub-Saharan Africa45 2020 Visa. All rights reserved.
Latin America and Caribbe
2020 Investor Day Growing Consumer Payments: 2020 Investor Day North America: Oliver Jenkyn . of their proprietary U.S. transaction database spanning over 310 million U.S. Visa- and MA-branded active credit cards showing spend lift (March 2017March 2018 performance
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