2

Karen WebsterChief Executive OfficerMarket Platform Dynamics

e-Commerce

54%Home

Internet Access

$70Be-

Commerce Sales

2%Total Retail

Sales

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80%

Now let’s fast forward ten years to today

20%

Global Adoption Rates

6%22%

US Smartphone Penetration

-7%-

10%

2013

2012

PC Sales

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Connected Devices Per Person

or

70BillionConnectedDevices

Where will we be

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Purchase within 1 month

74% percent of people use their phone to help them while

shopping

70% purchases within 1 hour

79% percent of them make a purchase as a result

vs.

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Mobile is now the dogwagging the commerce and

payments tail

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DISRUPTION

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70% 71% 73%

The

believe that in 5 years the way we pay for things will be radically different

would rather go to the dentist than listen to what their bank has to say

are more excited about a new offering in financial services from Google, Amazon, Apple, PayPal or Square than from the established players

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Boston knows a thing or two about

revolutions

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The American Revolution 1776Passionate people who believed in a cause and were willing to do anything to organize themselves and

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The Communications Revolution 1876Alexander Graham Bell’s telephone and the first

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The Connected Revolution 1989Tim Berners Lee, inventor of the

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Revolutions that

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One that enables women farmersin Africa to use cell phones to monitor weather and sell crops.

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One that enablessmall business owners to more effectively

run their businesses.

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One that connects peopleand collectively inspires.

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One that jump starts a businessfrom a garage.

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One that finds alternativesfor a kid looking to finance his

college education.

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One that strengthens the connectionbetween a retailer and his

Consumer.

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One that can make offerspersonal & relevant.

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One that preserves the future ofphysical retail.

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One that empowers customersto make betterpurchasing decisions.

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