Mobile Commerce and Cardless Cash Doug Brown, SVP and GM, FIS Mobile Hitesh Bajaj, VP, mcommerce and New Products

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1 Mobile Commerce and Cardless Cash Doug Brown, SVP and GM, FIS Mobile Hitesh Bajaj, VP, mcommerce and New Products May 23, 2017

2 FIS Mobile Mobile Banking Mobile Commerce Mobile Retail 2

3 Cardless Cash 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 3

4 How it Works PRE-ORDER CASH GET QR CODE LAUNCH SCANNER SCAN QR CODE COLLECT CASH 4

5 Cardless Cash fast. TEN SECONDS simple. BIOMETRIC AUTH. safe. NO SKIMMING 5

6 2017: The Year of Expansion for Cardless Cash 6

7 Cardtronics and PAI Bring 300,000+ Retail ATM Locations Convenience Stores Pharmacies 300,000+ ATM Locations Shopping Malls Restaurants Grocery Stores Fuel Providers 7

8 FIS Banks Have a Head Start Over Major Banks 8

9 Availability with Cardtronics and PAI Deployment 9

10 Copying is Flattery: Big Banks Are Also Getting Into High Gear 10

11 Non-card Account CCA 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

12 FIS Cardless Cash Platform New Capabilities that previously didn t exist Cardless Withdrawals Vestibule Access ATM Offers Cardless Deposits Non-card Accounts P2P Cash Prestaging Emergency Cash Digital Receipts 12

13 Mobile Commerce 13

14 Multiple Wallets are here to stay Bank Wallets Retailer Wallets OS Wallets Card Network/ Other Wallets 14

15 FIS Strategy Build Wallet Capabilities in mbanking Enable Bank Credentials in 3 rd Party Wallets 15

16 Wallet Features in mbanking Launching in Q Card-based UI Card Controls Push Notifications Digital Receipts PayPal Account Linking Apple Pay provisioning Cardless Cash CCA and Payment Locations Pinpoint Offers 16

17 PayPal Account Linking 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 17

18 Digital Receipts 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 works Camera captures paper receipts; auto-import receipts Machine learning breaks down receipt data to the item All receipts in one place, with folders, search & export 18

19 Apple Pay Provisioning 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 Q

20 Wallet Demo 20

21 FIS Mobile Wallet: In Pilot With Major Retailer 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 21

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23 2017 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.