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Emerging Markets Payment Index Q4 2015

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Emerging Markets Payment Index: Q4 2015 Report by Fortumo


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Introduction The Emerging Markets Payment Index is intended to be used by digital media companies, web and game developers for benchmarking their revenue in markets with high smartphone growth and low credit card penetration. Emerging Markets Payment Index: Q4 2015


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The Emerging Markets Payment Index focuses on countries highlighted by GfK in its global forecast of top smartphone markets for growth by value in 2015. These countries are India, Indonesia, South Africa, Brazil, Pakistan, Nigeria, Egypt and Vietnam. Issues preventing spread of traditional banking services in growing economies (identity and reputation management, debt enforcement, informal economies) are entrenched and not getting solved any time soon. India and Vietnam have a credit card penetration below 4% and in Nigeria 99.3% of all card transactions are conducted on ATMs. The payment index aggregates carrier billing data from various platforms (web, mobile web, feature phones, smartphones) and app stores using Fortumo carrier billing. * - China and Bangladesh have been omitted from the index as Fortumo provides carrier billing only for Android developers in China and does not operate in Bangladesh. Emerging Markets Payment Index: Q4 2015


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India Population: 1237 million Median age: 25.9 GDP per capita: $5,855 Phone penetration: 70.3% Credit & debit card penetration: 2% / 8% World Bank, 2011 Quarterly ARPPU Average Payment Size Carrier billing ARPPU $2.9 Q3 ‘15: Carrier billing average payment size $0.6 Q3 ‘15: Q4 ‘15: Q4 ‘15: $3.7 Carrier billing ARPPU change QoQ: +27.6% Transaction Volume Change Carrier billing transaction volume change QoQ: $0.9 Carrier billing payment size change QoQ: +50% +16.7% * - ARPPU stands for average revenue per paying user, not to be confused with ARPU (average revenue per user). ARPPU is calculated by dividing the total money spent by users with the number of unique users who made payments. Emerging Markets Payment Index: Q4 2015


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Pakistan Population: 182 million Median age: 21.2 GDP per capita: $4,736 Phone penetration: 71.6% Credit & debit card penetration: 1% / 3% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $2.7 Q3 ‘15: Carrier billing average payment size $0.5 Q3 ‘15: Q4 ‘15: Q4 ‘15: $4.8 Carrier billing ARPPU change QoQ: +77.8% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $0.8 Carrier billing payment size change QoQ: +60% -10.7%


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Indonesia Population: 237 million Median age: 27.9 GDP per capita: $10,641 Phone penetration: 99.3% Credit & debit card penetration: 0% / 11% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $6.1 Q3 ‘15: Carrier billing average payment size $0.8 Q3 ‘15: Q4 ‘15: Q4 ‘15: $5.7 Carrier billing ARPPU change QoQ: -6.6% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $0.7 Carrier billing payment size change QoQ: -12.5% +2.3%


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Vietnam Population: 90 million Median age: 27.4 GDP per capita: $5,635 Phone penetration: 72.3% Credit & debit card penetration: 1% / 15% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $3.1 Q3 ‘15: Carrier billing average payment size $0.5 Q3 ‘15: Q4 ‘15: Q4 ‘15: $2.6 Carrier billing ARPPU change QoQ: -16.1% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $0.4 Carrier billing payment size change QoQ: -20% -13.2%


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Brazil Population: 201 million Median age: GDP per capita: 30.5 $16,096 Phone penetration: 130.0% Credit & debit card penetration: 29% / 41% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $13.3 Q3 ‘15: Carrier billing average payment size $1.6 Q3 ‘15: Q4 ‘15: $10.5 Carrier billing ARPPU change QoQ: Q4 ‘15: -21% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $1.3 Carrier billing payment size change QoQ: -18.8% -8.9%


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Nigeria Population: 173 million Median age: 19.1 GDP per capita: $6,031 Phone penetration: 65.7% Credit & debit card penetration: 1% / 19% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $2.7 Q3 ‘15: Carrier billing average payment size $0.4 Q3 ‘15: Q4 ‘15: Q4 ‘15: $2.8 Carrier billing ARPPU change QoQ: +3.7% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $0.4 Carrier billing payment size change QoQ: 0% -11.9%


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Egypt Population: 83 million Median age: GDP per capita: 24.0 $10,877 Phone penetration: 91.4% Credit & debit card penetration: Quarterly ARPPU Average Payment Size Carrier billing ARPPU $4 Q3 ‘15: 1% / 5% Carrier billing average payment size $0.5 Q3 ‘15: Q4 ‘15: Q4 ‘15: $4 Carrier billing ARPPU change QoQ: Transaction Volume Change 0% Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $0.4 Carrier billing payment size change QoQ: -20% +3.6%


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South Africa Population: 52 million Median age: 24.7 GDP per capita: $13,046 Phone penetration: 112.5% Credit & debit card penetration: 8% / 45% Quarterly ARPPU Average Payment Size Carrier billing ARPPU $11.9 Q3 ‘15: Carrier billing average payment size $2.2 Q3 ‘15: Q4 ‘15: $10.6 Carrier billing ARPPU change QoQ: Q4 ‘15: -10.9% Transaction Volume Change Carrier billing transaction volume change QoQ: Emerging Markets Payment Index: Q4 2015 $1.9 Carrier billing payment size change QoQ: -13.6% +3.9%


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Additional reading Will Visa, Paypal and Digital Wallets Become Customers of Mobile Operators in 2016? Read now Carriers Look to OTT, Apps to Offset Losses Read now Carrier billing in the Nordics: 2015 market report by Fortumo Read now


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Fortumo is a mobile payments company that enables direct carrier billing with more than 350 mobile operators in 90+ countries to over 130,000 merchants. Fortumo's payment products work across a wide range of platforms including desktop devices, smartphones, feature phones, tablets and smart TV-s. These products give consumers a simple, 1-click payment method to charge online purchases to their phone bill. For app stores, digital media companies and game developers, Fortumo provides one integration with 350 mobile operators as well as a single point of contact for settlements, reporting, support and infrastructure upgrades. Founded in 2007, Fortumo has offices in Estonia, San Francisco, Beijing, Delhi, Mumbai, Singapore and London and is backed by Intel Capital and Greycroft Partners. For more information, please visit https://fortumo.com. https://facebook.com/fortumo https://twitter.com/fortumo https://www.linkedin.com/company/fortumo-ltd This document is for informational purposes only. Fortumo and the authors make no expressed or implied warranties in this document. Fortumo and the author(s) make no representation or warranty in relation to the accuracy, completeness or reliability of the information contained in this document. Any opinions expressed in this document are subject to change without notice. This document may be based on a number of assumptions and different assumptions could result in materially different results. This document should not be regarded by recipients as a substitute for obtaining independent advice and/or the exercise of their own judgement, and is not to be relied upon by recipients. Fortumo and the authors, and any of their members, directors, employees or agents do not accept any liability for any loss or damage arising out of the use of all or any part of this document. Copyright © 2016 Fortumo | All rights reserved.


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