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VISA Presentation Strategy v1

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VISA Presentation Strategy v1

  1. 1. CONVERSATIONAL COMMERCE Entering the game with differentiated products & fast follower advantage
  2. 2. Conversational Commerce “Conversational Commerce refers to the intersection of messaging apps and shopping” “WeChat generates over $1.1 billion in revenue by offering its 440 million users an all-in-one approach, letting them pay their bills, hail taxis, and order products with a text” -TechCrunch “Mobile Payments have grown from a niche market to a potential $700-$800 billion opportunity by 2017” -Deloitte
  3. 3. How can VISA build a winning solution and be a key player in the global landscape of conversational commerce? THE CHALLENGE
  4. 4. Peer to Peer Telecom PartnersBusinesses Banks Bill Pay Access the Network
  5. 5. What do they need? - Security - Convenience - Legitimacy - Connectivity - Prosumer Status - Legitimacy
  6. 6. Keyboard Application Works across Messengers Variety of Payment Uses Peer-to-Peer C2B, B2C Bill Pay Apple Pay Keyboards mean Big Data Connectivity IoT “The Keyboard is key to conversational commerce” VISAccess Keyboard
  7. 7. Online Mobile P2P Contactless Unbanked
  8. 8. Pre-Pay VISAccess: • Telecom Companies Keyboard Partnerships: • Apple • Android PARTNERSHIPS
  9. 9. Positions & Capabilities Value Barriers & Moats • World’s largest retail payment network • Partner network • VISAccess • Visa developer platform • Keyboard works across all applications • Fast follower into conversational commerce SUSTAINABLE COMPETITIVE ADVANTAGE • For Merchants: • Instant authorization will increase spend • For Consumers: • Network effect • Convenience, reduced friction • Accessibility • Security • For Visa: • Capture merchant value • Strength and Scale of partnerships • On-demand payment token generation • Brand Loyalty • Unbanked markets • Data Analytics • R&D investment • Localized “lablets” COMPETITIVE ADVANTAGE
  10. 10. A B C 10, 15 5, 5 0, 0 6, 20 FAST FOLLOWER Sequential Game Theory • Later moves mean more info • Differentiating strategic positions • Better forecasting & planning
  11. 11. VISA CUSTOMER COMPETITION • Trust/security • Brand loyalty • Network access • Personalization • Accessible • Security/trust • Ease • Network access • Affordability • Personalization • Accessible for banked • Security • Ease • Ease THE SWEET SPOT • Trust & security • Network access • Personalization • Accessibility • Ease DIFFERENTIATION
  12. 12. WHY IT WORKS
  13. 13. LONG TERM POTENTIAL Africa & SE Asia • Increased e-commerce • GDP & small business growth • Partnership with WHO & UNDP • SMS communication, diagnosis, & transaction for antibiotics (Malaria, ARVs, Dengue, etc.) • Drone delivery of antibiotics • Enhanced quality of life
  14. 14. Visa Developer APIs: • Geo-location • Real-time alerts • Automatically programmed transactions Combined APIs Application: 1. Automatic contactless payments from smart-phones (Ex. City Metros, road pay-tolls ) 2. Wearable technologies (synchronize agenda with payments) Developed World: IoT
  15. 15. Internet of Things • Conversational Commerce will change to a conversation between devices • When you enter the Subway, you program your phone to pay your fare… and VISAccess is there
  16. 16. Smart PhonesFeature Phones Unbanked Banked • Many competitive options • No substitutes • Many new entrants • Consumer has bargaining power • Few competitive options • No substitutes • Many new entrants • Consumer has bargaining power • Few competitive options • No substitutes • Many new entrants • Consumer has some bargaining power • Many competitive options • No substitutes • Many new entrants • Consumer has bargaining power SCENARIOS
  17. 17. MOVING FORWARD TRANSFORM TECHNOLOGY o Fast follower advantage o 6 month smartphone keyboard launch o Free on app stores o Integration of VISAccess through all communication channels via devices DEEP PARTNERSHIPS o Developing world: Africa & SE Asia telecom companies o Launch VISAccess SMS for feature phone o Developed world: Apple & Android o VISAccess keyboard native to phones EXPANDED ACCESS o Re-engage banked o New market: unbanked o Enhanced ease o Life-changing access DIGITAL LEADERSHIP o Constant innovation o Surpass competition EMPLOYER OF CHOICE o Innovative leadership in $700B market is attractive

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