1200 Debit Insights Your One Stop Shop for Issuing and...

Debit InsightsYour One Stop Shop for Issuing and Acquiring Data

May 24, 2017

Andrew Oasen, Senior Product Director, ATM Strategy, FIS

Ron Record, Relationship Manager, Saylent Technologies

Data is a top trend and prediction for financial institutions in 2017

Debit Insights

2

9%

10%

11%

18%

29%

29%

32%

45%

53%

54%

0% 10% 20% 30% 40% 50% 60%

Investment in an innovation accelerator or accelerator…

Emergence of new challenger banks

Exploring of advanced technologies (IoT, voice)

Responding to regulatory changes

Expansion of digital payments

Building partnerships between banking and fintech firms

Open APIs

Improvements in integrated multichannel delivery

Use of big data, AI, advanced analytics and cognitive…

Removing friction from the customer journey

Top 10 trends & predictions for 2017 financial institutions

Source: The Financial Brand, Top 10 Retail Banking Trends and Predictions for 2017, December 2016

Improve the Success of

Your Card Portfolio

Industry challenges for Financial InstitutionsHow do I improve my card portfolio, how do I use my data in a meaningful way and how can my data be leveraged to strengthen my relationship with my cardholders?

Increase wallet share,

transactions and revenue

Analyze Return on Investment

(ROI) on new initiatives

Provide tools to manage and

grow the program

Improve effectiveness of

marketing campaigns

Improve FTE efficiency

Feel as though you need to be

or need to have an IT guru to

make sense of your data

Targeted marketing efforts

More responsive analysis to

minimize fraud

Cardholder retention and

acquisition

Maximize retention by

targeting underperforming or

“at-risk” cardholder segments

Data

Efficiency

Strengthen Cardholder

Relationship

3

Debit Insights Today

Obtain a Holistic View of

Your ATM Fleet

Industry challenges for ATM DeployersHow can I obtain a holistic view of my ATM Fleet, how do I use my data In a meaningful way and how can I analyze my data in a user-friendly manner?

Having a full view of your ATM

footprint (where are they, when

did they go live, are they on/off

premise, etc.)

Understanding your ATM fleet

profitability in a manner as

simplistic or complex as you

would like to make it.

P&L reporting

Improve efficiency of

managing and understanding

ATM profitability in a way that

does not require manual Excel

spreadsheets that tend to be

very resource heavy

Quickly gather ATM analytical

data without having to go

though multiple reports and

manual formulas

Surcharge Trends

Approval/Decline %

Top/Bottom ATM Performers

Transaction Mix

ATM/FI/Region/Group Reports

Export Searches to Excel

Data

Efficiency

ATM Activity Analysis

4

Coming to Debit Insights in 2017

What is FIS Debit Insights?

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FIS Debit Insights is a debit card portfolio optimization solution

Works with your FIS debit processing systems to reveal valuable information about cardholder usage and portfolio trends

Designed to empower business-line owners to drive more revenue and profit from existing portfolios

• Without having to approach IT constantly

Provides powerful debit portfolio analysis capabilities to analyze cardholder behavior/trends

Launch-pad to develop highly effective, targeted programs to influence cardholder behavior

Debit Insights Today

Debit Portfolio Analytics

Analytics Action ResultsData

• Dashboard

• Enhanced Reporting

• Benchmark Reporting

• Transactions Analysis

• Business Analytics

• Analyze card/ATM profitability

• Profile behavior patterns (Card)

• Segment cardholder base (Card)

• Identify at-risk segments (Card)

• Build targeted campaigns

• Offer high-impact incentives

• Increase usage & revenue

• Influence spending

• Improve customer intimacy & loyalty

• Increase retention rates

• Increase ATM profitability

• Increase ATM fleet efficiency

• Cardholder/ATM details & demographics

• Transactions & transaction details (Card & ATM)

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What is the value of Debit Insights?

Debit Insights

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Debit Insights has value for the financial institution in the following areas

Quick customizable views of the

key metrics in your portfolio (Card & ATM) each month

including benchmark

data

Quick collection of key reporting

information (Card & ATM)

each day without having to fish through

different reports

Understanding individual

card/ATM and segment/group revenues and

profitability

Assistance with fraud and

compromise events,

including help finding CPP

(Card)

Segmenting the portfolio into

purchase behaviors for

targeted marketing programs

(Card)

Enabling a profitability

analysis of your ATM fleet without a

manually heavy effort

(ATM)

Providing a holistic view

into your ATM fleet without

fishing through reports from

multiple sources

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Card Group Segmentation Enhanced Reporting Miscellaneous

By Cardholder Demographic Usage by Transaction Type Card Risk Mitigation

By Card Status Usage by Customizable Transaction Filters Measure Card Portfolio Penetration/Activation

By Cardholder Geography Usage By Merchant/Merchant Category Code Marketing Campaign Management

By Card Type Usage by Network Card Segmentation/Campaign Profitability Analysis

By BIN By Card Transaction Type

Debit Insights

Card Analytics Short List of Features and Functions

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ATM Activity Analysis ATM Profitability ATM General Information ATM Fleet Tracking

Interchange Trends 3rd Party Operating Expenses Terminal ID/Live Date P&L Reporting

Surcharge Trends Internal Operating Expenses Location (Address, City, State) Monthly Trending

Approval/Decline % Capital Expenses Features (On/Off Prem, etc.) ATM/FI/Region/Group Reporting

Foreign Cardholder Volumes Export Data to Excel

Deposit Activity Top/Bottom 10 ATMs

ATM, Group, FI, etc. analysis

Coming to Debit Insights in 2017

Debit Insights

ATM Analytics Short List of Features and Functions

Standard Transaction Reporting

Standard card groups and transaction filters, no customization

Example shows:

• One day

• Query results broken down by:

Transaction Type

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Advanced Transaction Reporting

Highly customizable

Example shows

• One weeks of data

• Two select age groups of cardholders

• Query results broken down by:

Transaction Type

Card Group

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Debit Insights Provides Actionable Tools

Functional Area Solutions

Executive Level Reporting

• Understand current portfolio volumes and trends

• Grow revenue thru innovation

• Maximize every cardholder, every card, every transaction

Fraud Mitigation • Detect, analyze & minimize fraud

• Understand cardholder impact of risk decisions

• Easily investigate common points of compromise

• Fraud Forensics provides detailed analytics to distinguish

customer purchasing patterns & behaviors, identify at-risk

cards, & implement fraud mitigation steps.

Breached Merchant or Compromised Card Analysis

Marketing • Increase marketing campaign effectiveness via

segmentation

• Create actionable campaigns to drive revenue

• Create the right message with relevant and motivating offers

• Track campaign impact to justify expense

Product • Differentiate your offerings with innovation

• Drive profitable cardholder behaviors

• Create greater customer intimacy

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Debit Insights

Case Study – Increase debit usage to drive interchange revenue

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Of targeted

members qualified

for reward

Average purchase

tran volume up

over baseline

Average spend per

card up over

baseline

310%17% 347% 3mo.

Break-even on

campaign

Challenge: Easily identify members to target & right incentive to encourage them to use their cards more often.

Profile: 73,000 Members and $1 Billion Asset Size Financial Institution.

Strategy: Identified CH’s with low POS tran volume & developed incentive-based promotion to drive debit card usage.

Campaign: If members used their targeted card 15+ times in the month identified they received a reward code.

Debit Insights

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• ATM Activity Analysis

– Interchange trends

– Surcharge trends

– Approval and decline

percentages

– Foreign cardholder volumes

– Deposit activity


Debit Insights ATM Analytics

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• ATM Activity Analysis

– Monthly trending

– Income by region

– Configure and export



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• ATM Profitability Analysis

– 3rd party operating expenses

FLM/SLM

Cash management and

deposit pulls

Electricity

– Internal operating expenses

ATM staff costs

Marketing costs (could be 3rd

party)

– Profitability trend reporting

ATM Profitability Analysis


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• ATM Profitability Analysis

– Capital expenses

Hardware

Software

Installation

Construction

Upgrades

User-defined capital expense

fields

ATM Profitability Analysis


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• ATM General Information

– General Information

Terminal ID

Make

Model

Live date

– Location

Address

City

State

Hours

– Features

On/off premise

Accepts deposits

On a military base

ATM General Information


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• ATM Fleet Tracking

– Income Statement

– Download to Excel

– Report by region

ATM Fleet Tracking


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Sample ATM Reporting View

Example Shows

• Fleet Level View

Volume By EFT Network

For all cardholder types through the network

For all transaction types through the network


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Example Shows

• Top ATM Performers in volume:

All transactions but …

Limited to foreign transactions only by non-FI cardholders


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Example Shows

• Fleet Level View by Volume:

All ATMs in fleet

All card types and all transactions (onus & foreign)

Limited to on-premise and off-premise ATMs


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Example Shows

• Fleet Level Top Performer View by Volume:

All ATMs in fleet

Limited to On-Us Only card types and transactions


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Example Shows

• Fleet Level View by Volume:

All card types (On-Us & Foreign) and all transactions performed

Broken down by transaction mix

1200 Debit Insights Your One Stop Shop for Issuing and...

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