Wearable Payments Analysis Report : Sizing the Opportunity 3 | Page 4

Consumers who regularly revolve all or part of their credit card balance are the most likely to adopt wearable payment technology STRATEGIC RECOMMENDATIONS Payments cannot be the only use case of a wearable device Wearables must be convenient to use and compatible with POS infrastructure Partnerships are critical to a strong product APPENDIX Abbreviations and acronyms Definitions Biometrics Closed-loop digital wallet Credit card Currency Digital wallet EMV Mobile payments Mobile proximity payments Mobile wallet NFC Open-loop digital wallet POS terminal Smartphone Transactors and revolvers Wearables Methodology