![]() Visa’s Global Innovation Strategy May 11, 2011 Exhibit 99.2 |
![]() Visa Public 2 Disclaimer Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by the terms “will,” “expected,” “intends,” “aims,” “accelerate,” expand,” and similar references to the future. Examples of such forward-looking statements include, but are not limited to, the timing, impact, content, reliability, acceptance, implementation and overall success of the new digital wallet and mobile payment, the offerings. By their nature, forward-looking statements: (i) speak only as of the date they are made, (ii) are neither statements of historical fact nor guarantees of future performance and (iii) are subject to risks, uncertainties, assumptions and changes in circumstances that are difficult to predict or quantify. Therefore, actual results could differ materially and adversely from those forward- looking statements because of a variety of factors, including: • the impact of new laws, regulations and marketplace barriers, particularly those affecting, eCommerce, mobile payments, consumer privacy, and data use and security; • macroeconomic factors, such as global economic, political, health environmental conditions; • a decline in the growth of e-Commerce and mobile payments activity; • inability to keep pace with the innovations of competitors in the eCommerce and mobile payments areas; • industry and systemic developments, such as: – competitive pressure on pricing; – bank and merchant consolidation and their increased focus on costs; – adverse changes in our relationships and reputation; – disruption of our systems or the inability to process transactions efficiently; – account data breaches and increased fraudulent and other illegal activity involving our systems; and – issues arising at Visa Europe, including failure to maintain interoperability between our systems; and the other factors discussed under the heading "Risk Factors" in our most recent Annual Report on Form 10-K on file with the U.S. Securities and Exchange Commission. You should not place undue reliance on such statements. Unless required to do so by law, we do not intend to update or revise any forward-looking statement because of new information or future developments or otherwise. |
![]() Visa core strategy ensures investments and initiatives remain disciplined and focused on: Innovation at Visa Increasing the number of participants in Visa’s network Growing the number of interactions between participants Enhancing the value of each interaction for all stakeholders Visa Public 3 |
![]() Consumers at the Center of Payments Local Local Mobile Mobile Social Social Consumers engage (community), research (content), and purchase (commerce) wherever, whenever and however they choose • Transact where they connect and connect where they transact • Demand simple and safe ways to pay • Increasingly willing to transact with alternative payments Visa Public 4 |
![]() eCommerce and Mobile Solutions Drive Visa Growth Protect and grow core as convergence occurs Deliver merchant value that makes Visa transactions more valuable than others Provide new value-add services and revenue streams Visa Public 5 |
![]() VisaNet at the core… Payments are complex, VisaNet delivers: Visa Public 6 |
![]() …but new technology increases complexity Expands Visa’s growth in the digital commerce category and provides Visa with digital wallet functionality Accelerates Visa mobile payments through financial institutions globally Transforms a smartphone into a Visa payments device Expands Visa’s growth in the eCommerce category 7 Visa Public |
![]() Visa Capability Evolution: 2010 8 Visa Public Developers Developers Merchant Merchant Checkout Flow Gateway Acquirer Processor Network Issuer Processor Issuer Consumer Consumer KEY Built Acquired Partnered VisaNet DPS / VPS |
![]() Square (Acceptance) Checkout Flow Gateway Acquirer Processor Network Issuer Processor Issuer Developers Developers Merchant Merchant Consumer Consumer Rightcliq Payclick RTM CyberSource / Authorize.net Visa Capability Evolution: 2011 Value Added Reseller Program Monitise (Distribution ) PlaySpan Merchant Direct Visa Mobile Application (Offers and Location- Based Services) Visa Alerts and Notifications Real-Time Offers and Promotions Authorize.Net Developer Enhancements KEY Built Acquired Partnered VisaNet DPS / VPS Visa Developer Center Cash Edge Fiserv Personal Payments (Original Credit Transaction) MoneyGram Device Fidelity (Contactless Payments) PlaySpan Visa Public 9 |
![]() Visa Public 10 Platform Vision Ubiquitous merchant acceptance and click-to-buy payments Cross-channel consumer payments solution (digital wallet) * Placeholder name An easier, secure way to pay A better way to accept Next generation of payments solutions that replicate the ease, reliability and security of Visa point-of-sale payments |
![]() Visa Public 11 An easier, secure way to pay Provide world-class payment products that make it easier for consumers to purchase goods and services Cross-channel consumer payments solution (digital wallet) • Shop anywhere using any payment method • Simple, convenient and secure checkout • Manage personal preferences • Receive transaction alerts and notifications • Receive relevant, real-time offers * Placeholder name |
![]() A better way to accept Ubiquitous merchant acceptance and single click payments • Acquire new customers with trusted acceptance mark by Visa • Rapid, straightforward program on-boarding • Reduce cost of acceptance (PCI-DSS) • Reduction in fraud using advanced authentication techniques • Accept multiple payment types catering to local market preferences / needs • Increase cart conversion across all channels, optimizing for mobile • Improve business efficiency through advanced analytics and fraud detection • Help increase sales through targeted offers and discounts * Placeholder name Visa Public 12 Enable merchants to accept payments, optimize checkout, and grow their businesses with industry-leading payments solutions. |
![]() Visa Public 13 eCommerce eCommerce Mobile Mobile Cross - Channel Click to Buy * Placeholder name |
![]() Visa Public 14 Transforming the POS in developed markets and… • Visa payWave transforms mobile smart phones into payment devices with Device Fidelity • Historic Milestone: Visa payWave-enabled smart phones now listed as Visa compliant product • Several BlackBerry, iPhone and Samsung models approved |
![]() Visa Public 15 … emerging markets as well With Visa’s simple wallet, I can: • Top up • Bill pay • Person-to-person payments * Placeholder name |
![]() • Cash-in/ Cash-out • Top-up • P2P Closed Loop Virtual Mobile Prepaid Issuer MNO Distribution • Cash-in/ Cash-out • Top-up • P2P Payment System Evolution Visa Public 16 |
![]() Issuer MNO Distribution Visa Open Loop Virtual Mobile Prepaid • Cash-in/ Cash-out • Top-up • P2P • Bill Pay • mCommerce • Payroll/ Disbursements • International Remittances Payment System Evolution 17 Visa Public |
![]() Visa Public 18 Driving Visa’s Growth Protect and grow core as convergence occurs Deliver merchant value that makes Visa transactions more valuable than others Provide new value-add services and revenue streams |
![]() Q&A |