Notes: CEMEA is Central Europe, Middle East, Africa and includes Russia and Poland; Mature Asia-Pacific includes Japan, Australia, South Korea, and Singapore; Latin America includes Brazil, Mexico and other Latin American markets; Emerging Asia includes India, China, Hong Kong and other Asian countries. Electronic payments or e-payments are defined as digital payments that are made over the internet for e-commerce activities. Mobile payments, or m-payments, are defined as a form of payment where the mobile phone is used as a payment mode–not just as an alternative channel to send the payment instruction–and the payment information flow takes place in real-time. E-commerce includes retail sales, travel sales, digital downloads purchased via any digital channel and sales from businesses that occur over primarily C2C platforms such as eBay. Chart numbers and quoted percentages may not add up due to rounding. Source: World Payments Report 2013, Capgemini and RBS *For 2011, the last year global data is available Visit www.worldpaymentsreport.com or contact us at [email protected] or [email protected] TODAY TOMORROW 181 billion payment transactions were cards * , versus 307 billion total non-cash transactions 64 billion electronic and mobile payments expected by 2014 4.2 % 6.4 % 11.0 % Europe Mature Asia 14.4 % Latin America 21.9 % Central Europe, Middle East, Africa 22.1 % Emerging Asia North America ...but emerging markets are accelerating steadily 8.8 % Average global growth of non-cash payments, 2010 to 2011 Mature markets retain the largest payment volumes 6.5 % 6.9 % 9.5 % 9.8 % 26.8 % 40.4 % Europe North America Emerging Asia Mature Asia CEMEA Latin America of transactions in in mature markets 77 % 2011 333 billion Global non-cash transactions estimated for 2012 an 8.5% increase Trends In Today's Global Payments Landscape