Optimising Products

for Growth
OUR MISSION – INCREASE THE GDP OF THE INTERNET
 S T I L L O N LY T H E B E G I N N I N G
€2,80 trillion
online sales

€1 billion
online sales

1995 2000 2005 2010 TODAY

THE GROWING COMPLEXITY OF EFFECTIVE CONVERSION

CUSTOMER 

HABI TS TECHNOLOGY
(e.g. mobile first, local (e.g. 3D Secure 2,
payment methods) Open banking)

REG UL ATION
(e.g. PSD2, SCA,
GDPR)
2019
As part of PSD2, Europe
enforces Strong
Customer Authentication
on online payments.
2014
India introduced
mandatory two-factor
authentication for online
payments.
2020
Australia will enforce
stricter authentication
requirements to reduce
fraud.
Brazil,
Mexico,
Singapore
S C A R E Q U I R E S A U T H E N T I C AT I O N W I T H 2 O R M O R E E L E M E N T S

Something they Something they Something they

KNOW OWN ARE

(e.g., password or (e.g., phone or (e.g., fingerprint

security question) hardware token) or face ID)
 SCA HURTS CONVERSION

19% → 57% ↓ 11%

Mastercard estimates that the Average drop-off rate

number of transactions requiring 3D in Europe when using
Secure will triple as a result of SCA 3D Secure
 T H E C O N V E R S I O N E Q U AT I O N

Checkout Fraud Network

completion × protection × acceptance = Conversion
 T H E C O N V E R S I O N E Q U AT I O N

Checkout Fraud Network

completion × protection × acceptance = Conversion
 DRIVING CONVERSION WITH STRIPE

Atlas
BUSINESS SERVICES
Ecosystem
Incorporation &
Integrations & extensions
access

Terminal &
Billing Connect Radar Sigma Issuing
BUSINESS PRODUCTS
Recurring billing Platform strategy Fraud prevention Automate insights Full stack
commerce

INFRASTRUCTURE Payments
 PA N E L

David Schreiber Christina Wunderlich John David von Oertzen Mehmet Perk