Mobile Commerce and Cardless Cash

May 23, 2017

Doug Brown, SVP and GM, FIS Mobile

Hitesh Bajaj, VP, mCommerce and New Products

FIS Mobile

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Mobile Banking • Mobile Commerce • Mobile Retail

Cardless Cash

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Current State

• 40+ banks are already live

• Live in multiple major cities

Chicago Boston New York

Phoenix Miami Orlando

Tampa Philadelphia Seattle

DC Minneapolis San Juan

Honolulu Wilmington Milwaukee

Oklahoma City Indianapolis

• Coming Soon

San Francisco Los Angeles

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How it Works

PRE-ORDER

CASH

GET QR

CODE

LAUNCH

SCANNER

SCAN QR

CODE

COLLECT

CASH

Cardless Cash

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fast.TEN SECONDS

simple.BIOMETRIC AUTH.

safe.NO SKIMMING

2017: The Year of Expansion for Cardless Cash

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Cardtronics and PAI Bring 300,000+ Retail ATM Locations

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300,000+ ATM

Locations

Grocery

Stores

Pharmacies

Convenience

Stores

Fuel

Providers

Restaurants

Shopping

Malls

FIS Banks Have a Head Start Over Major Banks

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Availability with Cardtronics and PAI Deployment

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Copying is Flattery: Big Banks Are Also Getting Into High Gear

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Non-card Account CCA

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• A new feature that will makes ATMs

even more attractive for banks

• Ability to make a “real-time” cash withdrawal

from a card account

• Customers will be willing to pay surcharge to

get instant access to their non-bank funds

• Huge revenue opportunity for banks

Launching in 2H 2017

FIS Cardless Cash Platform

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New Capabilities that previously didn’t exist

Cardless Withdrawals

Cardless Deposits

Vestibule Access

Non-card Accounts P2P Cash

ATM Offers

Prestaging Emergency Cash Digital Receipts

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Mobile Commerce

Multiple Wallets are here to stay

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Bank Wallets Retailer Wallets OS Wallets Card Network/

Other Wallets

FIS Strategy

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• Build Wallet Capabilities

in mBanking

• Enable Bank Credentials

in 3rd Party Wallets

Wallet Features in mBanking

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Launching in Q3 2017

• Card-based UI

• Card Controls

• Push Notifications

• Digital Receipts

• PayPal Account Linking

• Apple Pay provisioning

• Cardless Cash

• CCA and Payment Locations

• Pinpoint Offers

Opportunity

Allows online and mobile users to provision their bank payment credentials to the PayPal wallet

Value Drivers for Bank Partners

• Increased digital wallet share spend for banks

• Digital branding impression for banks on checkout

• Secure and seamless enrollment of bank accounts into PayPal

• Incremental transactions from reduced checkout abandonment

• Reduced fraud by leveraging PayPal’s risk management

• New economics / new revenue sources for bank partners

PayPal Account Linking

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Digital Receipts

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“Receipts is identified as the top service

customers want from their bank.”McKinsey & Company, Dec 2014

A platform for banks to strengthen relationships and monetize purchase data

Engages the everyday customer with digital channels consistently

Drives new revenue opportunities that won’t be lost to disrupters

Improves the customer experience by solving customer pain

Understand true customer behavior through item-level, cross-tender data

How it worksCamera captures paper

receipts; auto-import email

receipts

Machine learning

breaks down receipt

data to the item

All receipts in one place,

with folders, search &

export

Apple Pay Provisioning

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Benefits

• One-click addition of

cards to Apple Wallet

• Improved security over

current process requiring

manual addition of cards

• Will reduce call volume

to contact centers

• Reduction in fraud

• Launch in Q3 2017

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Wallet Demo

FIS Mobile Wallet: In Pilot With Major Retailer

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- Open app and see

“Double Points” offer

- Decide to get fuel today

with Paytons card

- Tap “Pay” to begin

- Scan the QR Code

on the pump

- Pump ready message

appears on “Auth” page

- Fuel discount messaged

- In-store offer is

presented

- Receipt is rolled out

- Double points are

shown

- Receipt dismissed

automatically

- Post receipt, points

are added and

loyalty animation

happens

- Repeat transaction

to move to the next

level

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©2017 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.