Beruflich Dokumente
Kultur Dokumente
Presented by:
John Snoek
John.snoek@globalcollect.com
Product Manager
GlobalCollect
BRIC Webinar Program
• BRIC program
• Helicopter view
2
Why?
3
Why?
GDP/capita Internet
Country Population Growth (%)
(USD) Users
4
Why?
E-commerce volume in Billion USD
51,0
2009
E-commerce growth
2010 36,4
2008 2009 2009 2010
Brazil 39% 40%
5
Central themes
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Framework
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Similarities
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Differences
E-readiness (EIU - 2010)
5. Logistics
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The playing field
Taxes and repatriation
• Tangible or intangible?
• Customer = consumer or business?
• VAT and withholding tax!
11
Brazil
“Craving for credit”
Brazil – The payers
Country GDP/capita (USD) Debt % Savings Credit cards Debit cards Inhabitants cc/capita dc/capita
Brazil 10.900 35% 17% 191 233 194 0,98 1,20
• Installments (“parcelas”)
• Cash or cards
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Brazil – The players
Market share online payment methods
The star
• Boletos – Bank scheme
Cards
60%
– push payment using barcode
(via online banking, bank branch, check or ATM)
Boletos
– No consumer charge 30%
Bank
The contenders Others transfer
5% 5%
• Mercadopago & Dineromail
Continuous high growth in last 3 years
– Various funding sources
• Débito Online
– Real-time banking
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Brazil – Pick your team
Payment methods
Digital Physical Travel
Cards +++ +++ +++
Boletos ++ ++ +/―
eWallets ++ ++ ++
Bank transfer + + ++
Mobile + ― ―
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Brazil – The gameplan
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Russia
Cards are the alternative
Austin, TX | October 1
Russia – The payers
• Travel up 500%
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Russia – The players
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Russia – The players
The stars Which online payment method do you
prefer?
• Yandex (eWallet) 70%
The contender
• Qiwi (ATM cash-in/eWallet)
– Largest network of ATM‟s
– 80 Million users a month
– Funding source for eWallets, VISA prepaid or direct payment 21
Russia – Pick your team
• Preferred payment methods
Digital Physical Travel
Yandex +++ +/― +/―
Webmoney +++ +/― +/―
Qiwi ++ ― ――
Cards + + ++
Mobile +++ ― ―
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Russia – The gameplan
• Yandex , Webmoney & Qiwi = average increment of 40-50%
– For ATV < USD 500
– Travel = cards | Physical goods ► „see first then pay‟
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India
“Waiting for the giant to awake”
India – The payers
• Online buyers situated
in metropolitan areas
• Logistics
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India – The players
(Base: 7.5 million Active Internet Users who have made online purchases)
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India – The players
Net
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India – Pick your team
Digital Physical Travel
Cards ++ +++ +++
Netbanking +++ +++ +++
Cash cards ++ ― ――
Mobile +++ + +
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India – The gameplan
• Net banking, Cash cards and mobile = average increment 20%
• Mobile?
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China
Growing to the top
China – The payers
Millions
buying online 60
40
20
0
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China – The players
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China – The players
The stars
• China Union Pay (CUP)
• Alipay
The contenders
• Tenpay (part of Tencent)
• Mobile (202% YoY)
303 M mobile internet users
34
China – Pick your team
Digital Physical Travel
Cards +++ +++ +++
Alipay +++ ++ ++
Tenpay ++ ++ ++
Mobile +++ ― ―
Bank transfer + + +
• Mobile?
36
Summary
Summary
• Reporting requirements
38
Summary
vs.
“Brazil in-depth”
http://www.youtube.com/watch?v=lp8d0Pb6UY
By Daniel Belda 0
Product Manager
GlobalCollect
“Gaming in BRIC”
To be announced next
week
41
Perseverance
http://www.youtube.com/watch?v=lp8d0Pb6UY
0
http://www.youtube.com/watch?v=lp8d0Pb6UY0
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