070 071 Appendix A.1 From Card to Cloud 006 B.2 The Payments Maturity & Innovation Readiness Continuum 025 “The Total Audience Report: Q1 2016.” Nielson, 27 June 2016, www.nielsen.com/us/en/insights/reports/2016/ 1. How interested would you be in potentially using each of the following in the next 18 months? the-total-audience-report-q1-2016.html 2. How interested are you in having each of the following capabilities available to you for use in your life today? A.1 Everyday Transactions, By Payment Channel 009 B.3 A Deeper Look at Payments Maturity & Innovation Readiness: Reference questions from B.2 026 Please think about the payments you make for everyday transactions (excluding rent, mortgage, or other B.4 Top 5 Global Consumer Needs by Country (Priority l Rank) 029 larger, infrequent payments). Thinking of your past 10 everyday transactions, how many were made in each of 1. Please select the statements that best match the brands, you are free to choose all statements that apply for the following ways? each brand concerning new ways of paying for products and services. A.2 Trended Usageand Interest in P2P Payments (Global Total) 013 2. Please use the following scale to describe your preference to use each of these brands for financial transactions: 1. Below is a list of innovative payment and banking methods. For each method please indicate if you are [(1) I prefer to never use this brand, (2) I prefer another brand, but use this occasionally, (3) Is one of many brands I aware of it and if you currently use it. use, (4) Is my preferred brand, but I also use others, (5) Is the one brand I prefer to use, whenever possible] 2. How interested would you be in potentially using each of the following in the next 18 months? More control over spending, Convenient to have with me, Accepted everywhere, Frictionless process, Works Chip Cards, Online or mobile only banks, Digital/Mobile Wallets, Peer-to-Peer payments, Prepaid reloadable instantly, Others are impressed, Easy to set up and get started, Knows my behavior and habits, Personalized cards, Contactless with card, Contactless via phone, Biometrics, Interactive tellers, Kiosks, Wearables, Financial rewards/benefits, Keeps purchase info private, Simple to use after it is set up, Value-added services/perks, Protects aggregator apps*, Digital Payment Advisors, Crypto Currency, Implants identity/personal data, Customizable to meet my needs, Compatible with current tech, Limits liability for data *Financial aggregator apps was asked in a separate question last wave, potentially inflating 2016 responses. breaches, Limits currency exchange issues, I am Intrigued when others use it APIs Unlock Digital Payment Ecosystems for Consumers 018 B.5 Opportunities for Growth: A Country-By- Country Breakdown 030 Christensen, Ben. “Optimizing the Netflix API.” Medium, The Netflix Tech Blog, 15 Jan. 2013, medium.com/netflix- 1. Below is a list of innovative payment and banking methods. For each method please indicate if you are aware techblog/optimizing-the-netflix-api-5c9ac715cf19. of it and if you currently use it. “Data Solutions.” Sabre, www.sabre.com/our-technologies/data-solutions/ How interested would you be in potentially using each of the following in the next 18 months? What Will It Take to Get to a Post-Plastic World? 020 2. Contactless with card, Contactless via phone, Biometrics, Wearables, Chip Cards, Online or mobile only banks, Variyar, Mugdha. “Paytm Wallet Reaches 200 Million Users.” The Economic Times, ET Rise, 28 Feb. 2017, Digital/Mobile Wallets, Peer-to-Peer payments, Prepaid reloadable cards, Interactive (bank) cashier, Retail Kiosks, 8:55 AM IST, economictimes.indiatimes.com/small-biz/startups/paytm-wallet-reaches-200-million-users/ Financial Aggregator App, Digital Payment Advisors, Crypto Currency, Implants articleshow/57371236.cms What the World Can Learn from a Billion-People Economy Going Cashless 033 Monks, Kieron. “M-Pesa: Kenya's Mobile Success Story Turns 10.” CNN, Cable News Network, 24 Feb. 2017, 9:26 Verma, Sandeep. “India Had 30.86M Credit Cards, 880.03M Debit Cards in May 2017.”MediaNama, 5 July 2017, AM ET, www.cnn.com/2017/02/21/africa/mpesa-10th-anniversary/index.html. www.medianama.com/2017/07/223-india-credit-cards-debit-cards-may-2017/ Russell, Jon. “Alipay, China’s Top Mobile Payment Service, Expands to the U.S.”TechCrunch, TechCrunch, 9 May Europe Leads Digital Payment Expansion 034 2017, techcrunch.com/2017/05/09/alipay-first-data-us-point-of-sale-expansion/ Mitchell, Travis. “Technology Usage Rates Increasing in Emerging Economies, but Still Lag behind Rich Countries.” Yu, Daniela, and Beth Youra. “No One Is Winning the Battle for Digital Wallet Customers.”Gallup News, 8 July Pew Research Center's Global Attitudes Project, 18 Feb. 2016, www.pewglobal.org/2016/02/22/smartphone- 2015, doi:http://news.gallup.com/businessjournal/184034/no-one-winning-battle-digital-wallet-customers. ownership-and-internet-usage-continues-to-climb-in-emerging-economies/technology-report-01-03/ aspx?utm_source=WWWV7HP&utm_medium=topic&utm_campaign=tiles. The Payments Maturity Metrics B.6 Innovating Payments in Latin America 037 B.1 025 “The Global Fintech Report Q2 2017.” CB Insights, www.cbinsights.com/research/report/fintech-trends-q2-2017 1. Please think about the payments you make for everyday transactions (excluding rent, mortgage, or other larger, infrequent payments). Thinking of your past 10 everyday transactions, how many were made in each of B.6 Global Interest in IoT Capabilities 039 the following ways? How interested are you in having each of the following capabilities available to you for use in your life today? 2. Continuing to think about your past 10 everday transactions, how many were made using each of the below Use mobile contactless/touch payments in everyday transactions, Book and pay for additional travel services through forms of payment? your airline's app, Use automatic payments at the gas station without a card or going inside | Park your car at a gas 3. Which of the following best describes how you interact with a banks? pump and have it automatically fill up and pay, Order and pay for the delivery of food/drinks to a certain location from your car, Order delivery to your door via drones or robots (pizza, online shopping) | Order food or shop online and