FAST, BRILLIANT & CONNECTED

VP OF PRODUCT DEVELOPMENT, CO-OP FINANCIAL SERVICES

HANSENLOIS

2015: YEAR OF MOBILE

NUMBER OF MOBILE DEVICES

WORLDWIDE

NUMBER OF HUMANS

WORLDWIDE

MOBILE, MOBILE EVERYWHERE

OF CONSUMERS OWN A

MOBILE PHONE90%

OF CONSUMERS OWN A

TABLET30%

CREDIT UNION MEMBERS MOBILIZE

WHAT IS FAST, BRILLIANT & CONNECTED?

FAST + BRILLIANT

5 LIFE PROBLEMS SOLVED BY APP

LIFE PROBLEMS SOLVED BY APP 5

MILLENNIALS ON FAST & BRILLIANT

MOBILE MISGIVINGS

Smartphones are always within reach. They are the first place consumers go to communicate, research and share. As of last year, mobile platforms accounted for 60% of total time spent on digital media, according to ComScore.

BRIAN SOLISPrincipal Analyst, Altimeter Group

(in AdAge)

MOBILE STANDS ALONE

WHERE’S THE OPPORTUNITY?

WHERE IS THE OPPORTUNITY?

51PERCENT

OF SMARTPHONE OWNERS WOULD CONFIRM A PURCHASE

BY TEXT ALERT

CONSUMERS AND MOBILE PAYMENTS

WOULD SWIPE CARD ON A MOBILE CARD READER

32PERCENT

WOULD DO A MOBILE MONEY TRANSFER

41PERCENT

WOULD REPLACE THEIR CARDS WITH A MOBILE WALLET

43PERCENT

WHERE IS THE OPPORTUNITY?CONSUMERS AND MOBILE PAYMENTS

88PERCENT

OF CONSUMERS SENT MONEY TO OTHER CONSUMERS IN THE

PAST 12 MONTHS

31PERCENT

OF THESE USED AN ONLINE METHOD

(CUNA E-SCAN)

MORE THAN HALFOF GLOBAL BUSINESS PROFESSIONALS

USE MOBILE PHONES FOR PAYMENT TRANSACTIONS(TIMETRIC)

YOUR MOBILE IMAGEMOBILE IS THE TOP CHANNEL FOR MEMBER ENGAGEMENT WITH MORE THAN 1 MILLION MOBILE TRANSACTIONS PER DAY

Source: CUNA E-Scan

OFFER MOBILE BANKING

58%26%

PLAN TO WITHINTWO YEARS

30%

SAY MORE THAN HALF OF CHECKING ACCOUNT

HOLDERS HAVE ONLINE BANKING

AMONG CREDIT UNIONS

MORE WAYS TO PAY?

Source: CUNA E-Scan

BILL PAY

PAY BILLERSSERVICE PROVIDERS

57% OR 58% BILL PAYMENTS NOW

MADE ELECTRONICALLY

PAY YOURSELF PAY OTHERS

P2P TRANSFERS

RDC

$900 BILLIONIN P2P EXCHANGES

LEVERAGE DATAPAY MERCHANTS

MOBILE WALLETS

150DIFFERENT WALLETS IN THE MARKETPLACE

LOOK FOR CHANGE

P2P PAYMENTS

CONTINUES TO GROW

NEW ALTERNATIVES

CONTINUED INNOVATION

GROWTH

WHAT PROBLEMS DO YOUR APPS SOLVE?

I OWE YOU.

WHAT’S MY CARD BEEN UP TO?

WHAT? NO WALLET? TOKENIZATION

WHAT’S MY BALANCE? CO-OP MOBILE

PAY MY BILLS. CO-OP BILL PAY

CO-OP MOBILE

RE-INTRODUCING: CO-OP MOBILE

Source: CUNA E-Scan

NEW LOOK AND FEEL

CUSTOM BRANDING FOR IPHONE AND ANDROID

REAL-TIME P2P PAYMENTS WITH REALPAY

MOBILE BANKINGACCOUNT TO ACCOUNT TRANSFERSACCOUNT HISTORYREMOTE DEPOSIT CAPTURE

REALPAY BY CO-OP

REAL-TIME, PAY-ANYONE, PERSON-TO-PERSON PAYMENT NETWORK

FLEXIBLE SOLUTION AVAILABLE THREE WAYS:STANDALONE API TO INTEGRATE WITH YOUR OWN APPINTEGRATED WITH SPRIGSM BY CO-OP APPINTEGRATED WITH CU-BRANDABLE CO-OP MOBILE

REALPAY BY CO-OPCARDNAV BY CO-OP

BILL PAY

MOBILE RDC

MORE TO

COME

MEMBER REWARDS

BY CO-OP

List/Illustrate the suite of API’s that CO-OP offers/will be offering:RealPay by CO-OPCardNav by CO-OPBill PayMobile RDCMember Rewards by CO-OPPlus more to come(Visually maybe we can show an iPhone with circles around it representing each of these products with arrows pointing to the phone showing how these can plug in)

QUESTIONS?