High Growth, High Rewards

Asia Pacific, Latin America, Middle East and North Africa
Asia Pacific
Latin America
Middle East/North Africa

Countries We Solve For

  • India
  • Indonesia
  • Japan
  • Malaysia
  • Philippines
  • Singapore
  • Taiwan
  • Thailand
  • Vietnam



Featured Markets

India

  • 729 million debit cards – majority NOT activated for international purchases
  • 300 million plus smartphone users and increasing at a phenomenal rate
  • $16 billion in B2C e-commerce sales in 2016
Debit cards
35%
Credit cards
26%
Bank transfers
21%
Digital wallets
18%

Key Ingredients

Malaysia

  • 40% of all e-commerce transactions are cross-border purchases
  • $563 million online retail sales in 2016
  • 78% of households have broadband
Bank Transfers
52%
Debit cards
30%
Credit Cards
10%
Digital Wallets
5%
Cash (ATM/over-the-counter)
3%

Key Ingredients

South Korea

  • 99.2% of households have internet access
  • 91% smartphone penetration rate – the biggest in the world
  • $48 billion in online shopping transactions in 2016
Credit cards
64%
Debit cards
10%
Digital wallets
5%
Bank transfers
4%
Cash-on-delivery
5%
Other
12%

Key Ingredients

Countries We Solve For

  • Argentina
  • Brazil
  • Colombia
  • Chile
  • Mexico
  • Peru
  • Uruguay



Featured Markets

Argentina

  • 30 million active credit and debit cards
  • $6.8 billion of goods purchased online in 2016
  • 30% of consumers have access to international cards
Local credit and debit cards
45%
International credit cards
20%
Cash
22%
Bank transfers
7%
Digital wallets
3%
Other
3%

Key Ingredients

Brazil

  • 40% of LATAM’s e-commerce market
  • $20 billion e-commerce revenue in 2015
  • 49% of digital consumers make cross-border purchases
Local credit and debit cards
40%
International credit cards
18%
Boleto Bancário
25%
Bank transfers
10%
Digital wallets
3%
Other
3%

Key Ingredients

Mexico

  • 65 million internet users – the eighth highest in the world
  • 30% of card users have access to international credit cards
  • $4.4 billion in retail e-commerce sales in 2014
International credit cards
39%
Local debit cards
20%
OXXO
18%
Bank transfers
15%
Digital wallets
8%

Key Ingredients

Countries We Solve For

  • Algeria
  • Bahrain
  • Egypt
  • Gambia
  • Jordan
  • Kuwait
  • Lebanon
  • Libya
  • Nigeria
  • Oman
  • Palestine
  • Qatar
  • Saudi Arabia
  • Sudan
  • Syria
  • Turkey
  • United Arab Emirates



Featured Markets

Nigeria

  • 95% of all online purchases have been made using debit cards
  • 150 million mobile subscribers and increasing amid further infrastructure development
  • $10 billion plus e-commerce market that continues to grow
Debit cards
95%
Credit cards
0.5%
Bank transfers
2%
Digital wallets
1%
Other
2%

Key Ingredients

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