002 003 Table Trends Findings How Visa Innovates of Contents From Card to Cloud 6 A Global Assessment of 24 Innovation at Visa: 54 Everything as a Point of Sale 9 Payment Evolution A Unique Approach VIewpoints: Transforming the 10 A Deeper Look at Payment 26 Visa’s Payment Stack 56 Point of Purchase Maturity & Innovation Readiness Building What’s Next 58 Paying in Messaging Platforms 12 Consumer Needs Vary 28 Partnering with the 60 Dramatically by Country Startup Community Transactions without Borders 14 Think Locally with Payment 30 The API Economy 16 Technologies Visa Ventures 62 VIewpoints: APIs Unlock 18 Viewpoints: What the World 32 Visa Ready 63 Digital Payment Ecosystems Can Learn from a Billion-People for Consumers Economy Going Cashless VIewpoints: What Will It Take to 20 Viewpoints: Europe Leads 34 Get to a Post-Plastic World? Digital Payment Expansion Conclusion Viewpoints: Innovating 36 Payments in Latin America 7 Lessons for Bringing 66 IoT Possibilities Are Intriguing 38 Innovations into the Marketplace but Mysterious to Many IoT Technology in the City 40 of the Future Viewpoints: Payments and 42 the Internet of Things: How Appendix 70 Will This Space Mature? Trusted Experiences Are 44 Driving Mobile Adoption Security Is Table Stakes 46 Viewpoints: Keeping Payments 47 Secure in a Changing Ecosystem Transform the Experience, 48 The content provided herein is for informational purposes only and not to be relied upon for professional, Own the Relationship financial, legal or tax advice. Benefits, results or cost savings may vary depending upon your business considerations and implementation details. All information and content is provided “AS IS” and “WITH ALL Viewpoints: Electronic Payments 50 FAULTS” and without an warranties express or implied. Are Approaching “Peak Plastic” in Asia Pacific