Payments Partners Confirmed for GSMA’s NFC Experience

  Payments Partners Confirmed for GSMA’s NFC Experience

  CaixaBank, Gemalto, Telefónica and Visa Europe deliver contactless mobile
                       payments experience at MWC 2013

Mobile World Congress 2013

Business Wire

AMSTERDAM -- February 18, 2013

Regulatory News:

As part of the new NFC Experience at Mobile World Congress, four partners have
come together to deliver a mobile contactless payment experience.

CaixaBank, Gemalto, Telefónica and Visa Europe will deliver a payments
application which will be offered to 3,500 delegates at Mobile World Congress,
taking place February 25-28^th in Barcelona. The app, developed by Telefónica
Digital, will allow delegates to make mobile contactless payments using a
pre-paid card especially developed for mobile payments, which has been enabled
to work with Visa’s contactless payment technology. The card is issued by
MoneyToPay, the new subsidiary for the prepaid business created by CaixaBank.

Delegates will experience the service on an Xperia™smartphone provided by Sony
Mobile Communications, and using wallet technology developed by Telefónica

The app will come pre-loaded with €15, allowing delegates to make payments at
contactless payment terminals across the Fira Gran Via. In addition, the app
will allow payments at any of the 16,000 Visa contactless payment terminals in
stores, commercial centres and city markets, as well as 700 taxis installed by
CaixaBank around Barcelona.

“The GSMA is excited to launch the NFC Experience for Mobile World Congress
2013, as it provides attendees with the opportunity to experience first-hand
the potential that NFC technology holds both throughout the Mobile World
Congress venue and in Barcelona,” said Michael O’Hara, Chief Marketing
Officer, GSMA. “We hope that all attendees will take the opportunity to
experience the many benefits of NFC, from venue access to retail transactions
to transport and much more.”

Sandra Alzetta, Senior Vice President at Visa Europe, said: “Contactless
transaction numbers quadrupled across Europe in 2012 and will quadruple again
this year. In the UK there are now more than 2.5 million contactless
transactions every month. There is a natural evolution from contactless cards
to mobile devices and we’ve seen a fantastic response from the markets where
this kind of service is commercially available.”

Miguel Ángel Pozuelo, head of new product and service development from
CaixaBank said: “Innovation strategy is crucial for CaixaBank and the
development of new payment products aimed at giving answers to all kinds of
needs coming from its 13 million clients. Indeed, CaixaBank has promoted the
creation of Money to Pay, Spain's first electronic money operator exclusively
for the prepaid card sector, in order to boost new payment methods linked to
technological development, such as NFC mobile devices and online wallets.”

“Bustling with activity and people jumping from meetings to demonstrations,
MWC is the perfect environment for experiencing the speed and convenience of
contactless services”, said Jean-Claude Deturche,  Senior Vice President
Mobile Financial Services at Gemalto. “Gemalto is at the heart of 50 mobile
NFC projects, with many of the world’s leading Mobile Operators, Banks,
Retailers, Transport Operators and Service Providers. Global adoption is on
its way with payment being one of the pillar services in the NFC ecosystem.”

Fernando Abella, Head of Telefónica Digital Spain, said: “Wallet technology
from Telefónica Digital will enable our customers to perform payments with
their mobile phone easily and securely. Telefónica is committed to delivering
mobile payment capabilities to its customers all around Europe, including
launching commercial NFC services in key markets such as Spain.”

The market potential for NFC is significant - nearly 1.5 billion SIM-based
handsets will have been sold worldwide between 2010 and 2016, supporting
transactions of more than $50 billion globally over the same period*, and
momentum is growing. Further, the deployment of NFC-ready point of sales
terminals is set to expand dramatically, growing from 3.9 million in 2011 to
43.4 million in 2017, with 53 per cent of all point of sale terminals
worldwide being NFC-ready**.

*Source: Strategy Analytics

**Source: Berg Insight

Further information: about the NFC Experience at Mobile World Congress 2013

As part of the new NFC Experience at Mobile World Congress, the GSMA will
showcase an integrated range of mobile NFC services. Attendees with
NFC-enabled handsets will be able to take advantage of NFC technology at
locations throughout the Fira Gran Via and in the city. NFC touch points will
be abundant throughout Congress, rewarding those who ‘tap’ with instant access
to information such as downloads on the conference sessions and keynotes, as
well as information on restaurants and tourist attractions around Barcelona
itself. The NFC Experience features:

  *NFC Centre – A dedicated zone in the heart of Congress Square will be one
    of the key locations to visit and see NFC-enabled handsets and their
    capabilities as well as gaining information on the NFC ecosystem, NFC
    smart posters, NFC partner pods and a dedicated NFC support function;
  *NFC Interactive Zones - More than a dozen NFC Interactive Zones will be
    located along the walkways, entrances and exhibition halls of Fira Gran
    Via. Comprising a series of linked smart posters, attendees can use their
    NFC-enabled handsets to access exhibitor directories, venue information,
    nearby conveniences and many other useful services offered during Mobile
    World Congress;
  *Barcelona City NFC Locations - Strategic NFC touch points will be
    available at the airport, key hotels, selected restaurants and central
    tourist locations and attendees can take a taxi and pay for goods in
    select shops with NFC; and
  *Virtual NFC Badge – During registration, attendees with NFC-enabled
    handsets (Android 4 and above or Windows Phone 8 operating system) can opt
    into the NFC Experience and get full show entry with it and their physical
    badge, but without the need to repeatedly present a physical photo ID to
    gain access to the venue.

About Gemalto

Gemalto (Euronext NL0000400653 GTO) is the world leader in digital security
with 2011 annual revenues of €2 billion and more than 10,000 employees
operating out of 74 offices and 14 Research & Development centers, located in
43 countries.

We are at the heart of the rapidly evolving digital society. Billions of
people worldwide increasingly want the freedom to communicate, travel, shop,
bank, entertain and work – anytime, everywhere – in ways that are enjoyable
and safe. Gemalto delivers on their expanding needs for personal mobile
services, payment security, authenticated cloud access, identity and privacy
protection, eHealthcare and eGovernment efficiency, convenient ticketing and
dependable machine-to-machine (M2M) applications.

Gemalto develops secure embedded software and secure products which we design
and personalize. Our platforms and services manage these secure products, the
confidential data they contain and the trusted end-user services they enable.
Our innovations enable our clients to offer trusted and convenient digital
services to billions of individuals.

Gemalto thrives with the growing number of people using its solutions to
interact with the digital and wireless world.

For more information visit,,, or follow @gemalto on Twitter.

About Visa Europe

Visa Europe is a payments technology business owned and operated by member
banks and other payment service providers from 36 countries across Europe.

Visa Europe works at the forefront of technology to create the services and
infrastructure which enable millions of European consumers, businesses and
governments to make electronic payments. Its members are responsible for
issuing cards, signing up retailers and deciding cardholder and retailer fees.

Visa Europe operates a high volume, low cost business model that provides
services to its members. Its surplus is reinvested into the business and used
to improve capital and reserves. In the last six years, Visa Europe has
invested over €1 billion in new technology and infrastructure.

There are 466m Visa cards in Europe while €1 in every €6.75 spent in Europe is
on a Visa card. Almost 80% of Visa Europe's business is on debit cards and, in
the year to September 2012, over €1 trillion (€1.02tr) was spent on Visa debit
cards. Annual online spending on Visa cards in Europe topped €200 billion
(€202bn) for the first time in this period and now accounts for more than 20%
of Visa Europe’s processed business.

Since 2004, Visa Europe has been independent of Visa Inc. and incorporated in
the UK, with an exclusive, irrevocable and perpetual licence in Europe. Both
companies work in partnership to enable global Visa payments. As a dedicated
European payment system Visa Europe is able to respond quickly to the specific
market needs of European banks and their customers - cardholders and retailers
- and to meet the European Commission’s objective to create a true internal
market for payments.

For more information, please visit

About CaixaBank

CaixaBank is an integrated financial group, with a banking business, insurance
operations and investments in international banks. It is the leading retail
bank in Spain, where its financial operations date back more than 100 years.
It places strong emphasis on growth, both domestic and international,
supported by proven experience in banking sector investments and its
characteristic prudence.

CaixaBank group aims to create a universal banking model that provides
personalized, high-quality and innovative services that are suited to the
needs of its more than 13 million customers. The sales staff at CaixaBank’s
extensive network of branches are at the heart of relations between the bank
and its customers, supported by an efficient and forward-looking multi-channel
distribution system. CaixaBank is currently the leading operator in online
banking, mobile banking (over 3 million customers, the largest number of
financial services users in Spain) and electronic banking (with more than 12.5
million cards).

About Telefónica Digital

Telefónica Digital is a global business division of Telefónica. Its mission is
to seize the opportunities within the digital world and deliver new growth for
Telefónica through research & development, venture capital, global
partnerships and digital services such as cloud computing, mobile advertising,
financial services, M2M and eHealth. It is also driving innovation in over the
top communications under a new umbrella brand called TU and in Big Data
through Telefónica Dynamic Insights.

Telefónica Digital will deliver these new products and services to
Telefónica's 314 million customers as well as entering new markets. It is
headquartered in London with regional centres in Silicon Valley, Sao Paulo,
Spain and Tel Aviv. Jajah, Terra, Media Networks Latin America, 48 and
giffgaff are all managed under the Telefónica Digital umbrella.

To sign up for news alerts and read commentary on Telefónica Digital, visit and track them on Twitter @tefdigital


Gemalto Media Contacts:
Peggy Edoire, +33 4 42 36 45 40
Europe, Middle East & Africa
Yvonne Lim, +65 6317 3730
Asia Pacific
Nicole Smith, +1 512 758 8921
North America
Ernesto Haikewitsch, +55 11 51 05 92 20
Latin America
Visa Europe
Eleanor Orebi Gann, +44 (0) 207 795 5291
Head of Technology and Business PR | Corporate Communications
M +44 (0) 7435 764 482
Telefónica S.A.
José María Hoyos Melendre, +34 91 482 87 85
Dirección de Comunicación Corporativa | Press Office
M +34 619 34 96 99
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