INSTANT PAYMENT SERVICE The frictionless future of real-time payments Real-time payments become the norm To continue to reduce friction in payments we need to go beyond speed We’re deploying functionally rich real-time payments services across the globe The frictionless future of real-time payments is here. Join the conversation. P27 in the Nordics will see the world’s first multi-country, shared payments platform, delivered by Mastercard 1973 1980s Today Japan launches 1st quasi real-time payments system Real-time payments adoption starts to accelerate globally *Fis Flavors of Fast 2018; **Bank of Thailand; ***McKinsey Global Payments 2018; †Internal estimates ††Global Industry Analysts Inc: Push Towards Cashless Society, Jan 2019; †††Excludes Saudi Arabia; § International Monetary Fund 2008 UK Faster Payments launches, revolutionising banking in Britain * 2000s 70+ 87 % 67 % 2x Regional hubs in development††† Existing 2017 PromptPay Thailand launches, contributing towards 83% rise in digital payments ** 2014 Singapore FAST launches to keep pace with business & consumer needs 2017 Real Time Payments launches in the USA, its 1st major payments infrastructure in 40+ years countries have or are implementing real-time payments † of the world’s GDP is in markets with real-time payments † Rich data & interoperability 33 + Commerce anywhere 30% ‘Request to pay’ revolution 27.7 b real-time payments systems built on ISO 20022 of global digital commerce volume in 2017 is via mobile app *** B2C electronic bills forecast to be generated by 2024 †† of the world’s population has access to real-time payments † transaction volumes have doubled in the last year † 32 % of the world’s GDP § 7 new countries signed in the last 12 months 11 markets across the globe 671 m total population § 428m Potential to reach to 428m account holders† #FrictionlessFutureofPayments