Get Beyond the Strategies to Drive Emerging Payments Adoption. May 2012
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1 Get Beyond the Strategies to Drive Emerging Payments Adoption May
2 Our Panel Matthew Hoye Consumer Credit Card Product Strategy Mike Boush Vice President E-Business Calvin Grimes Product Manager, Mobile Solutions Electronic Banking Services Moderator Campbell Edlund President 2
3 Our Mission What drives adoption of new payments technologies? How to capture new payment wallet share and profit? How to leverage the smartphone takeover and tablet revolution? 3
4 Where Do Emerging Payments Stand? Prepaid $409B Dual Function -- EMV -- P2P -- Mobile $3.5B 4
5 What Drives Adoption Anyway? Functionality Simplicity Personalization and Marketing 5
6 Is Technology Driving Payments Adoption? U.S. Smartphone and Tablet Users (MM) Smartphone Tablet Source: emarketer By % of mobile will be smartphones; 36% of Internet users will be on tablets 6
7 Is Shopping Behavior Driving Payments Adoption? $350 $300 E-Commerce Retail Sales ($BN) Projected to be 9.0% of total sales $327 U.S. Consumer Preferred Shopping Methods Website on PC or laptop 87% $250 In-store 71% $200 $193 Website on smartphone 14% $150 $ % of total sales $114 Website on tablet 9% Phone call with service agent 7% $50 $34 App on smartphone 4% $ App on tablet 4% Source: U.S. Department of Commerce, 4Q 2011 Source: Aisle Buyer 4Q
8 Are Demographics Driving Payments Adoption? Age (# of people in millions) Bank Relationship (# of people in millions) % have Smartphones <10 Gen C Gen Y Gen X Boomers 65+ Silent G UN banked UNDER banked 40% have made Mobile Purchase; 56% want to pay by mobile at checkout 2010 Revenue growth: 33% Prepaid, 25% Payroll card 8
9 Topline Techniques to Drive and Steer Adoption Organize to innovate Market, needs or lab orientation not product focus drives ideas Build a better mousetrap Average may be safe, but it doesn t sell Pick your target Everything to everybody doesn t work Ride the channel waves Master the sales channels that match your market 9
10 PNC Antitrust Statement The following presentation is being given at Card Forum and Expo, an event produced by SourceMedia. While it is appropriate for this group to meet to discuss common interests, we must take care not to discuss subjects that may raise issues under antitrust laws. Antitrust laws prohibit certain agreements between or among competitors. Please keep in mind the following: You should not discuss prices, price adjustments, discounts terms of sale, allowances, promotional practices product introductions or marketing strategies dividing or allocating customers, markets or territories any aspect of how your financial institution will or will not compete in a given marketplace Each financial institution makes its own independent decisions about these matters, and such matters should not be discussed here. 10
11 Matthew Hoye Consumer Credit Card Product Strategy Building on a Strong Foundation 11
12 A strategic framework for credit card product management and development Strategy & Analysis Framework Product Management Product definition Product T s & C s Product line P&L s Rewards management External Assessment Market segmentation Competitive benchmarking Prospect research Internal Assessment Objectives Strengths & weaknesses Customer research Product Development Opportunity identification Business case development Product roadmap definition & management Product enhancements New product conceptual design Continuous Improvement 12
13 Current focus areas Enhanced product features and functionality Continued product line extension Customer lifecycle management Flawless execution 13
14 Beyond current focus; getting to credit card innovation What s Next Value Added Services Mobile P2P Contactless Chip Card 14
15 Chip card for commercial customers EMV certified; implemented due to POS issues with magstripe in Europe Launched in November 2011; early issuance focusing on international travelers Corporate travel and purchasing card Extremely positive client response Authorized over 2,500 chip transactions to date 15
16 Mike Boush Vice President, E-Business 16
17 Calvin Grimes Product Manager, Mobile Solutions Electronic Banking Services 17
18 The Market s Most Secure and Stable Organization Commercial Certainty 16,000 Clients Worldwide >$4b in Revenue, >$500m in Cashflow 19,000 Employees over 200 in Mobile #1 Channel Products (e.g., Corillian, CheckFree) 2012 Fiserv, Inc. or its affiliates. 18
19 Mobile Increasingly the Rule, not the Exception Over 450 FIs > Over 500 by YE 2011 Enterprise ASP / SaaS Advantage 2012 Fiserv, Inc. or its affiliates. 19
20 Key Trends in Mobile Banking & Payments Consumer Habits Channel Maturity Payment Networks Push Banking Messaging, Browsing and Apps Simultaneously Banking > Alerts > Payments > Sales Network recognition is critical to adoption of new P2P networks Consumers Expect FIs to be Proactive Mainstream Channel Payment Options Availability, Performance & Security Not Optional Universal money movement is expected. Provide full suite of payment options Fiserv, Inc. or its affiliates. 20
21 Fiserv Mobile Payments Approach Enabling Full Spectrum of Capabilities Payment Type Person-to-Person Capabilities ZashPay Popmoney acquisition brings account aggregation, small business strength International Remittance (Western Union) Bill Payment & Presentment Remote Merchant Contactless / Point-of-Sale CheckFree RXP pre-integration Integrated into 9 payment systems Recently completed pilot Now in trial 2012 Fiserv, Inc. or its affiliates. 21
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