Welcome to this ACT webinarPayment transformation: global payment trends and the future landscape

• Sponsored by 8 December 2015 | 12.30-13.15 GMT

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Introduction

James Lockyer Development DirectorACT

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Agenda

IntroductionJames Lockyer Development Director, ACT

PresentationDamian RichardsonHead of Payments Strategy and Innovation, RBS

Teresa ConnorsHead of Payments Market Management, RBS

Panel discussion and Q&A

Presentation

Damian RichardsonHead of Payments Strategy and Innovation RBS

Teresa ConnorsHead of Payments Market Management RBS

Copyright © Capgemini 2015. All Rights Reserved

The trend from physical to digital payments accelerates

11.9%

5.5%

9.7%

North

America

Latin

AmericaCEMEA

Europe

Emerging Asia

Mature APAC

27.0%

4.6%

14.1%

Overview of Global Non-Cash Volume and Growth, 2014

<5%

20-25%15-20%

10-15%5-10%

2014 Global

Volume: 389.7 bn

2014 Global Growth: 8.9%

Copyright © Capgemini 2015. All Rights Reserved

Volume of non cash transactions across the globe

Source: Capgemini Financial Services Analysis, 2015; ECB Statistical Data Warehouse, 2013 figures released September 2014; Bank for International Settlements Red Book, 2013 figures

released December 2014; Country’s Central Bank Annual Reports, 2013

Note: CEMEA (Central Europe, Middle East, Africa) now includes Bulgaria, Croatia, Cyprus, Latvia, Lithuania, Malta, Kenya, Nigeria, Egypt, Israel, and UAE in Other CE and MEA

countries; Latin America now includes Argentina, Colombia, Venezuela, Chile, Peru, Uruguay, Costa Rica, Bolivia, and Paraguay in Other Latin American countries; Emerging Asia

now includes Malaysia, Thailand, Indonesia, Philippines, Taiwan, Pakistan, Sri Lanka, and Bangladesh in Other Asian countries; Mature APAC (Asia-Pacific) includes Japan,

Australia, South Korea and Singapore; NA (North America) includes the U.S. and Canada; Numbers for France have been restated for2009-2012 as per refinements to our

methodology Chart numbers and quoted percentages may not add up due to rounding; Some numbers may differ form data published in WPR 2014 due to previous year data updated at the source

14.1%

27.0%

No

n-C

ash T

ransactio

ns (

Bill

ion)

Europe (incl.

Eurozone)

Mature APAC

Latin America

Emerging Asia

CEMEA

Mature

Developing

Global

North America

(‘09–’13) (‘13–’14E)

5.5%

4.6%

11.9%

9.7%

8.9%

4.6%

4.3%

18.0%

21.0%

11.2%

11.3%

7.9 %

CAGR Growth

16.4%

6.1%

116.4 123.7 127.5 133.4 140.7

80.283.5 86.5 90.9

95.1

27.230.2

33.537.3

41.825.6

29.332.5

35.338.8

19.4

23.328.8

31.9

36.4

16.4

19.5

23.9

29.0

36.9

285.2

309.4

332.7

357.9

389.7

0

100

200

300

400

2010 2011 2012 2013 2014E

Figure 1.6: Number of Non-Cash Transactions (Billion), by Region, 2010–2014E

Copyright © Capgemini 2015. All Rights Reserved

Globally, card transaction growth remains strong. The

emergence of immediate payment schemes correlates to the

rise of credit transfers

Comparison of Payments Services Mix (%), by Region, 2009, 2012–2013

Paym

en

t S

erv

ices M

ix (

%)

CAGR

4.3%

CAGR

4.2%

CAGR

9.1%

CAGR

20.9%

CAGR

10.4%

CAGR

20.1%

For details on sources, please refer to slide 25

Europe North America Mature APAC Emerging Asia Latin America CEMEA

Cards Direct Debits Credit Transfers Checks

Copyright © Capgemini 2015. All Rights Reserved

Payments market trends

Data and analytics providing insights

API economy and the Cloud

So what is Blockchain?

Biometrics, identity, security

Social and mobile empowering consumers

Changing regulatory landscape – PSD2, PSR

The panel

ChairJames Lockyer Development Director, ACT

SpeakersDamian RichardsonHead of Payments Strategy and Innovation, RBS

Teresa ConnorsHead of Payments Market Management, RBS

Chair’s closing remarks

James Lockyer Development DirectorACT

FORTHCOMING EVENTS

treasurers.org/events

ACT Cash Management Conference10-11 February 2016 | London

ACT Europe Conference 09 March 2016 | Düsseldorf

ACT Annual Conference18-20 May 2016 | Liverpool

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