Contents 0203 10 — USA 08 — South Korea 02 — Brazil 03 — China 04 — Germany 05 — India 07 — Russia 01 — Australia 06 — Japan 09 — UKIntroduction 0405 Mobile devices, applications and theirsurrounding technologies are continuouslyevolving, as are the expectations of the end users.Around the world, we know that people use their phones for almost every aspect of life. This presents an incredible opportunity forthose who understand how each market works, difers, and how they can stay atthe forefront.When it comes to mobile payments, the focusis on apps, seamless user journeys and security. While mobile browsers still have their placein the ecosystem, everyone knows that anunresponsive site that doesn’t quickly allowa person to complete their purchase will costa brand their reputation and their customer.However, the future is hyper-relevance andapps provide a way to do this by creating animmersive and engaging environment that isan extension of the wider brand.Done well, this in turn leads to longer andlifetime brand loyalty. A seamless paymentmodel that allows users to store details, enablesone-click purchases and most importantlydoesn’t disrupt the user journey is key. Invisiblepayments do just that. By securely holdingpayment details that allow the user to purchasewith biometrics or a quick click, allows themto quickly get through the user journey andremoves friction and abandonment.The important thing here is to understand howcomfortable people are with providing theirbiometrics, in diferent countries, for diferenttypes of purchases and for high or low valuetransactions. Then to use this data to optimisethe payment process and create a journey thatmakes users keep coming back. With increasing numbers of people happy tosubmit both their personal and their paymentdetails, security and fraud are importantfactors to consider. In Europe, PSD2 and StrongCustomer Authentication (SCA) aims at drivingdown fraud by implementing a two-factorauthentication process. This doesn’t only afectEuropean merchants, but everyone who has aglobal operational model and European users.All transactions need to be authenticated withtwo of these three methods: Knowledge: something only the user knows, such as a passwordPossession: something only the user possesses, such as a token or mobile phoneInherence: something the user is, such as a biometric (e.g. fngerprint recognition) We surveyed a diverse range of users across 10countries to understand their preferred mobilepayment methods and expectations. Thisreport covers the highlights from each countryto provide insight and recommendations intokey factors such as travel purchases, alternativepayments, cart abandonment and more. 1) eMarketer – Digital Travel Sales 2017This content is for information purposes only. We have taken care in thepreparation of this information but will not be responsible for any loss ordamage including loss of profts, indirect, special or consequential loss arisingas a result of any information in this document or reliance on it. The contentof this material may not be reproduced without prior consent of Worldpay.This material may include information on third parties and their services. Thereference to these third parties is for information purposes only and does notconstitute an endorsement or recommendation of the third party or their service. It’s estimated that by 2020, worldwide digital travel sales will topUS$817 bn globally1, and it's no secret that travel eCommerce isbenefting from the mobile revolution.Australia CR ED ITCA RD 50% PA YP AL 50% DE BI T 48% CA SHD EL IV ER Y 18% BP AY 13% PR EP AI DCA RD 11% BA NKTR AN SF ER 11% PREFERRED PAYMENT TYPE TOP REASONS FOR CART ABANDONMENTCHECKOUT PROCESS TOOK TOO LONG 29 % PREFERRED PAYMENT METHOD NOT AVAILABLE 27 % HAD TO ENTER TOO MUCH INFORMATION 26 % CONCERNED ABOUT WEBSITE SECURITY TOP REASON TO BOOK TRIP ON MOBILE MORE DISCOUNTS % OF TRAVELLERS IN AUSTRALIA WANT PAYMENT CONFIRMATION VIA EMAIL 53 TRAVEL BOOKINGS MADE ON MOBILE ACCOMODATION 25 % TAXI 20 % HOLIDAY PACKAGE 7 % WILLINGNESS TO PAY WITH ONEECLICK INFORMATION EXPECTED ON THE APP HOMEPAGE PAYMENT TYPES ACCEPTED 51 17 % FLIGHT 71 % 60 % 34 % AUSTRALIA I WOULD BE MORE LIKELY TO BOOK IF I SAW THESE LOGOS ON THE PAYMENT PAGE... VERISIGN SECURED 48 % SECURE LOCK 51 % VERIFIED BY VISA 80 % MASTERCARD SECURECODE 63 % CR ED ITCA RD 50% PA YP AL 50% DE BI T 48% CA SHD EL IV ER Y 18% BP AY 13% PR EP AI DCA RD 11% BA NKTR AN SF ER 11% PREFERRED PAYMENT TYPE TOP REASONS FOR CART ABANDONMENTCHECKOUT PROCESS TOOK TOO LONG 29 % PREFERRED PAYMENT METHOD NOT AVAILABLE 27 % HAD TO ENTER TOO MUCH INFORMATION 26 % CONCERNED ABOUT WEBSITE SECURITY TOP REASON TO BOOK TRIP ON MOBILE MORE DISCOUNTS % OF TRAVELLERS IN AUSTRALIA WANT PAYMENT CONFIRMATION VIA EMAIL 53 TRAVEL BOOKINGS MADE ON MOBILE ACCOMODATION 25 % TAXI 20 % HOLIDAY PACKAGE 7 % WILLINGNESS TO PAY WITH ONEECLICK INFORMATION EXPECTED ON THE APP HOMEPAGE PAYMENT TYPES ACCEPTED 51 17 % FLIGHT 71 % 60 % 34 % AUSTRALIA I WOULD BE MORE LIKELY TO BOOK IF I SAW THESE LOGOS ON THE PAYMENT PAGE... VERISIGN SECURED 48 % SECURE LOCK 51 % VERIFIED BY VISA 80 % MASTERCARD SECURECODE 63 % 1011 The Australian mCommerce market is on trend to be worth US$21 bn by 2021. This growth in mobile shopping will mean that mobilewill overtake desktop as the eCommerce platformof choice down under. Desktop eCommerce isset to be worth $US16 bn by 20211. The number ofAustralians that browse online shopping sites ontheir mobiles has risen by 14% in the past year2. Almost 65% of people in Australia booked their lasttravel booking on a mobile app. If you want to gaintraction in the Australian market, be sure to reassurecustomers that your mobile app is secure withsecurity logos – as security is one of the top reasonswhy people would book elsewhere! When it comes to how Australians like to pay, morethan half want to pay with one-click, i.e. saving theirpayment details to pay with a swipe when they nextbook travel.For high-value transactions, such as holidays – it’sinteresting to see that Australian travellers are happyto use alternative payment methods like PayPal, andsave their payment details for easier and quickerfuture purchases. 1)Global Payments Report 2017 2 )Deloite - Smart everything, everywhere Mobile Consumer Survey 2017 The Australian cut 。。。。。。