Mike Walters, Product Director Barclaycard Payment Acceptance

• Europe’s 2nd largest processors of card transactions.

• Processes 1 in 3 card payments in the UK.

• Circa 5 billion authorisation requests processed during 2013.

• Handled over 600 transactions per second over the Christmas period.

Payment Acceptance is being driven rapidly by the needs of the consumer

Merchant priorities… Powered by technology

New Authentication

methods

New Payment Form

factors

New Payment Types

New Acceptance

Devices

+ + +

Ease of use Security More than payments

Convenience My way

Customer experience Risk Ubiquity

Growth Channel

In Store Online

SILOED Product, Customer,

Logistics

SILOED Product, Customer,

Logistics

The ability to integrate all channels to create a seamless consumer experience, and a single view of consumer’s habits is key

Any Channel Point, Click & Pay

SINGLE: Product, Customer, Logistics

Easy-to-use Till Trusted Dongle Customer Insight

Online Dashboard inc. detailed transaction information

New approach to Card Reader. Connected rather than wireless.

Smartphone App is the ‘Till’. Receipts are electronic.

Barclaycard Anywhere

• Mobile phones – the most ubiquitous technology known to mankind! • The bridge between digital and physical has yet to be solved • Retailers are not demanding new payment types but are looking for whatever payment functionality meets their customer experience needs • Dot.com 2.0 – interchange reduction will close the gap on retailer costs for card payments v alternative payments • Solutions must start with a deep understanding of the value proposition

Confidential