Visa Investor Day

VISA eCommerce is outpacing physical POS and is used to overcome infrastructure challenges Target Segment High-transaction merchants Security Fraud and risk tools Authentication Ticketing and bill pay • India India Railways 2.3m transactions per month + • Growth in authorization Source: VisaNet fiscal year 2011 through fiscal Q2 2013 42 Visa Investor Day Russia Increase in cross border authorizations from 63% to 74%

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