Expanding to New Verticals Mobile Card Product and Feature Suite Dave Abouchar, Director New Mobile Products Krishna Rajamani, Mobile Product Manager April 12, 2017
Agenda 1. Introduction 2. Credit Card 3. Prepaid 4. Roadmap 5. Key Takeaways
Battle for Relevance Focus on new mobile capabilities to help clients engage, protect and grow their customer base. Source: CB Insights and Life Sreda 3
Factors Influencing Future Direction of FIS Mobile Client Priorities Emerging Commerce Capabilities Competitive Landscape Industry Developments Technology Developments Partnership Opportunities 4
New Product and Vertical Focus Areas Mobile Banking Offers & Promotions Virtual Servicing Internet of Things Security Account Opening Biometrics Wallet Card Controls Alerts Cardless Cash Credit Prepaid Retail Wealth 5
Overview: Credit Card Key Features Account Details Transactions Pay Credit Card Card Controls Push Alerts Management 6
Overview: Prepaid Mobile Key Features Account Details Transactions Transfer Card to Card Bill Payment Alerts Management 7
Credit Card App 8
Credit Card Account Summary Current balance Minimum payment amount and due date Last payment amount and date Pay Credit Card button Additional account details Current balance Cash balance Pending balance Past amount due Account status 9
Credit Card Transaction History View all transactions Pending Posted View transactions since last statement View transactions in the last three statements View all transactions 10
Credit Card Transaction Search Execute a search based on any text string Merchant name Transaction date Transaction amount Transaction type 11
Pay Credit Card Fast and easy way to pay credit card Account balance Statement balance Minimum amount due Custom amount 12
Manage Payment Accounts Users can add an account from another FI with five simple fields: Name on Account Financial Institution Account Number Routing Number Account Nickname 13
Card Controls & Push Alerts
Credit Card Controls Reduce fraud cost and increase card usage Card Off Card On Transaction Types Merchant Categories Spend Limits 15
Location-based Controls Control by geographic locations Decline all international transactions Allow transactions from up to three userdefined regions 16
Credit Card Controls Alerts Management Empower cardholders Adhere to Visa and MasterCard alert mandates Get notified on every transaction or when userspecified criteria is met Transaction amount Merchant type Transaction type International transactions 17
Mobile Banking Integration End-users can perform all credit card functions from within the Mobile Banking app: Account information and transaction history Payment Account Management Pay Credit Card Card Controls for both debit and credit cards Push Notifications 18
Prepaid App
Prepaid Mobile App Solution tailored for prepaid cards Login security same as Card North Platform (EFT) Register from mobile app Account balance, history and search Access to account # and routing # ATM & reload locations Bill payments Payee management Card to card transfer Alerts preference management (email & SMS) SMS alerts delivery Balance inquiry Transaction history 20
Roadmap
Apple Pay Provisioning One-click addition of cards to Apple Wallet 22
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 capture paper receipts; auto-import email receipts Machine learning breaks down receipt data to the item All receipts in one place, with folders, search & export 23
Credit Card Roadmap Summary 2017 Scheduled Card Controls (Q2) Push Notifications (Q2) Integrated Credit Card (Q2) Touch ID & passcode login (Q3) Wallet within mobile app (Q3) Apple Pay integration (Q3) Digital receipts (Q3) Promotions (Banner Ads) (Q4) Metrics Intelligence Analytics & Reporting (Q4) 2018 Candidates Android/Samsung Pay integration HCE NFC payment (Android) Biometrics authentication (Facial, Voice, Iris) New card activation Photo balance transfer Disputes Pinpoint offers Cash advance at ATM Loyalty integration 24
Key Takeaways Increase customer engagement, satisfaction and stickiness Credit card solution available as standalone and integrated banking app Available for BASE2000/TBS with ezcard, as well as non-fis credit card platforms Prepaid product available for Card North platform (EFT) Healthy roadmap of additional value-added features Stop by Solutions Expo for a demo! 25
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Thank You Dave Abouchar, Director New Mobile Products Krishna Rajamani, Mobile Product Manager
2017 FIS and/or its subsidiaries. All Rights Reserved. FIS confidential and proprietary information.