Lindsay Lehr

San Francisco, California, United States Contact Info
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I love business, I love payments, and I love helping companies to be their best. To be…

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Experience & Education

  • Payments and Commerce Market Intelligence

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Publications

  • M-Commerce in Latin America: Opportunities, Best Practices and Case Studies

    Presented at Frecuencia Latinoamerica's M2Money & Payments conference in San Jose, Costa Rica, May 2016

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  • Competition intensifies in e-commerce enablement

    According to eMarketer, e-commerce retail sales in Latin America reached $47 billion in 2015. Compare this to US retail e-commerce, clocking in at $341 billion in 2015, and Latin American e-commerce looks troublingly underdeveloped. The reasons for this are well known: banked rates hover at around 30% and a fear of fraud deters even affluent credit card holders from shopping online.

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  • Homegrown solutions are capitalizing on m-commerce opportunities

    M-commerce has been slow to launch in Latin America, with a number of structural factors inhibiting its scale. Both merchants and consumers have yet to climb the m-commerce learning curve; it is estimated that in Brazil, by far the region’s most mature market, fewer than 5% of merchants have an m-commerce site, forcing mobile customers through a clumsy, non-optimized shopping experience.

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  • Online lending is shaking up Mexico's credit market

    Access to credit by both consumers and businesses across Latin America is scant, thanks to overly conservative banks, underdeveloped credit bureaus, and high levels of informality. In Mexico, there are 33 million credit cards, distributed among 18% of the adult population, or roughly 16 million people. This is less than half of Mexico’s total banked population; in other words, being banked does not equate to being financed.

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  • Traditional remittances are under attack by online competitors

    Remittances to Latin America totaled $65 billion in 2014, a historical high, finally surpassing pre- financial crisis levels. Recovery of the US economy in 2013 and 2014 resulted in resumed growth of remittances to the region, particularly to Mexico and Central America, which achieved 8% and 7% growth in 2014 respectively.

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  • To Speed Financial Inclusion in Latin America… Think Smartphones

    Center for Financial Inclusion

    In Latin America, where 70 percent of people do not have a bank account, both the public and private sectors have honed in on financial inclusion as a strategic objective for growth. Mobile financial services for the unbanked have flourished in the region since 2007—there are nearly 40 live mobile money platforms, with five new launches in 2015.

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  • Landscape of Virtual Money in Latin America

    Presented at Frecuencia Latinoamerica's M2Money and Payments conference in San Francisco, CA, January 2016

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  • Unlocking Brazil’s e-commerce potential

    Americas Market Intelligence

    While much of Brazil’s economy flat lines this year, one bright spot is e-commerce, which continues to demonstrate impressive growth. As a result, both retailers and payment companies are throwing their hats into the ring, vying for chunk of this market. With significant room to grow and mobile commerce just getting off the ground, Brazilian digital commerce offers tremendous opportunity in an otherwise lackluster retail environment.

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  • LAC Cards and Payments Trends Whitepaper 2014

    Americas Market Intelligence

    The Latin America cards and payments market is at a cross-roads. Record growth in consumer cards over the last decade cannot be sustained going forward. Issuers, acquirers and card networks are all struggling to decide which new products will be the engines of growth over the next decade. Our whitepaper explores the trajectory of some of those products and lends market based insight to which ones may succeed versus those that most likely will not.

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  • Brazilian credit plateaus

    Americas Market Intelligence

    Brazil's economy from 2010-2014 ran on consumer credit. Now the average Brazilian is over indebted and facing rising interest rates as the currency implodes and inflation continues to increase. The age of cheap and widely dispersed credit in Brazil is over... for now.

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Languages

  • Spanish

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  • Portuguese

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Organizations

  • Bay Brazil

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    - Present
  • BayPay

    Member

    - Present

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