2020 Consumer Payments Revenue Distribution2 02 Projected pre-COVID-19 $23.5 bn $315 bn $170.5 bn $77 bn Consumer spending, 100% the major driver of 90% consumer payments 80% revenues, has 70% slowed dramatically 60% 50% 40% 86% 70% 74% 30% 66% 20% 10% 0% UK USA China Europe exc. UK Cards Domestic Payments Remittances Bill Payments Accounts 9 10 Ways COVID-19 is impacting payments