The average transaction value per user in the Digital

Commerce segment amounts to US$156.7 in 2018. In the Digital Commerce segment, the number
of users is expected to amount to 467.5m by
2022.

The Digital Commerce segment is

expected to show a transaction value Total Transaction Value in the Digital
growth of 20.6% in 2019. Payments segment amounts to
US$51,756m in 2018.