The FIS Digital Business Banking Roadmaps

May 24, 2017Digital Banking Product Management

Agenda

2

• Introductions

• Key Business Drivers

• Mobile Token

• Updated User Experience

• Business Mobile Roadmap

• Online Banking (OLB) Roadmap

• Business eBanking (BeB) Roadmap

• Questions

Institutions are challenged with:

• Protecting customers from the

emerging threat landscape

• Providing tailored, personalized experiences

• Delivering on expectations for real-time

• Creating data-driven connections and

value across converged channels

• Driving new revenue streams

• Increasing engagement and loyalty

Expectations are rising

The Competitive

Landscape is Changing

3

Drive Innovation and Expand Digital Capabilities

Grow Sales and Increase Engagement

Enhance Security and Reduce Fraud

Expand Real-time Offerings

Enable Data-driven Marketing and Analytics

Create Operational Efficiencies

Our VisionProvide industry-leading digital solutions that keep our clients

competitive and relevant with the top financial institutions

4

FIS Digital Drives Growth

102%CARDLESS CASH

136%PEOPLE PAY (P2P)

28%CHECK DEPOSIT

80M+DIGITAL USERS*

Annual Growth

*Includes Mobile, Online and ePayments Clients (Q3 2016)

5

Mobile Tokens

Mobile Token Use – RSA Phone Experience

7

Mobile Token Activation – RSA

1. Download app, select mobile operating system, and

enter device ID

• The user is instructed to download the RSA SecurID mobile

app. Once opened, the application presents the user’s unique

24-character device ID.

• The user selects their mobile device’s operating system and

enters the device ID to continue.

2. Scan QR code

• The user scans the QR code using the

RSA SecurID mobile app.

8

Mobile Token Activation – RSA (continued)

9

4. Passcode validation

• The user validates their passcode

and continues to the welcome

page upon successful activation.

3. Set up PIN

• The user establishes a unique PIN.

Digital Banking Updated User Experience (BeB and OLB)

Updated User Experience

11

Phased delivery

(Concept Prototype)

Navigation

12

(Concept Prototype)

Current BeB

New BeB

Business Mobile Banking

Single Digital Finance Experience

– Business Mobile Approvals

– Business Mobile Positive Pay

– Company ID Refactor (v3.5)

– Out of Band Authentication at Logon (v3.5)

– Business Mobile v4.1 (Pilot)

2016 year in review

14

Top of mind issues for corporate treasurers (269 surveyed) and bank service providers (515 surveyed)

Source: AFP 2016 Outlook

64% 64% 62%Education, increased pressure

on investments in securityComplex sales, demand for

higher end solutions; integration

Changing user expectations

and experience

Understanding and mitigating

cybersecurity/cyber risks, etc.

Implementation of New

Technology

Talent Acquisition and

Development

Changing User Expectations in Competitive Market

15

Changing Workforce in Corporate Finance and Treasury

Employment of financial managers is projected to grow 7 percentfrom 2014 to 2024, about as fast as the average for all occupations

Employment of accountants and auditors is projected to grow 11percent from 2014 to 2024, faster than the average for alloccupations.

U.S. Bureau Labor of Statistics

When asked which technologies they would like to seeemployers incorporate into their organizations, Millennial andGen Z respondents said social media (41.4%), wearables(26.5%), virtual reality (26.1%), and robotics (20%).

Forbes, September 13,2016

16

Q1 2017

FIS Digital Solutions

• Hero images

– Highlight your brand

– Express a mood or tell a story

• Walk-throughs

– Users will be introduced to 4.1’s navigation and accounts

• Locations

– Locations search automatically populates the map using the customer’s locations

• Faster performance through quicker functioning that provides greater ease-of-use

• Positive user experience drives engagementand builds customer loyalty

17

Planned projects – Q2 2017

FIS Digital Solutions

• Business Mobile

– Transaction OOBA Approvals (pilot)

– Large # of accounts (pilot)

– RDC: display deposit limit (pilot)

– App Store feedback (pilot)

– Bill Payment manage payees (pilot)

Note: Some features listed are future candidates 18

• Business Mobile

– Digital Marketing Platform (pilot)

Hero Image Self-Service Tool

• OLB

– Mobile support for Business

Transaction Approvals

19

Candidate projects – Q3 2017

FIS Digital Solutions

• Business Mobile

- Business calculators (pilot)

- Digital Receipts (pilot)

- Digital Marketing Platform (pilot)

- mPromote

20

Candidate projects – Q4 2017

FIS Digital Solutions

Digital Finance Business User Experience

21

Initiate and Manage Payments

• ACH and Wire Templates

• P2P Payments

• Business Bill Pay support for OLB

Notifications and Push Alerts

• Support of Premium Alerts that are actionable

User and Admin Self-Service

• Password Reset

• Admin Enable / Disable User

Client Input driving roadmap forward

22

Online Banking 2017 Roadmap

Completed Projects

24

• BancPac integration improvements

– Integrated Statement Enrollment

– External accounts

– Running balance display for batch load banks

• Separate Token at login from Token at Transaction

– Ability to offer token at transaction without token at login

• Same Day ACH enhancements

– New window for same day ACH cut off

– Limit checking for transactions above 25K

– Removal of support for External Transfers

• Digital Administration Tool

– SSO from DAT to Web Admin

Q1 2017

Planned Projects

25

• ACH Enhancements

– Usability enhancements for ACH origination and template setup

– Support for IAT

• Transfer Enhancements

– Additional setup options for recurring and scheduled transactions

• Company Administration UI

– Usability enhancements for Company Administration

• Demo improvements

– Support for HTML demo

• Statement enrollment enhancements (pilot)

– New landing page for statement enrollment and viewing

• Device ID improvements (pilot)

Q4 2017

Planned Projects

26

• Banker Alerts

– Additional alerts within Web Admin for OLB and

Bank activity

• Premium Alerts (pilot)

– Integration to EAS for alerting

– Support for SMS and additional branding in alerts

• SSO to Direct Link Merchant (pilot)

• HORIZON XAA Statements (pilot)

• Positive Pay Enhancements

– Dual control for Positive Pay

– Emulation for Positive Pay file formats

– Integration to Bankway Positive Pay (pilot)

Q4 2017

Business eBanking 2017 Roadmap

Completed Projects

28

• ACH Prenote effective date

• Large statement

– Make performance improvements to allow for customers

with 100+ accounts have access list most recent

statement by account type

• DirectLink Merchant SSO (pilot)

– General availability expected in Q2 2017

Q1 2017

Scheduled Projects

29

• DirectLink Merchant SSO

– General availability

• Soft/mobile tokens Vasco (Pilot)

• ACBS Weblink SSO (Pilot)

• Multi ABA support (AKA controlled disbursement improvements)

• DAT user ID improvements – non-email addresses user ID support

• Multi transfer improvements

– Update the user experience to NOT allow for the creation of a transfer with more than 19 transfers

• Q2 2017

Q2 2017

• Same Day ACH External Transfers

• MKE ACH – ACH reporting NOC compliance

enhancement

• Miser Core – Loan Principal Only Payments

• Bankway Core Improvements

• HORIZON Core Integration Upgrade

• ARPPA improvements

– Allow approver to see the details of the positive pay

issue file before approving

– Payee Positive Pay software upgrade

– Payee Positive Pay desktop check analyzer tool support

Planned Projects

30

• ACBS Weblink SSO (general availability)

• Soft/mobile tokens Vasco© (general

availability) & RSA© (pilot)

• ImageCentre Remittance Lockbox SSO (pilot)

• Same Day ACH phase 2

– Debit support

– ACH Positive Pay for MKE ACH

• ARPPA improvements

– Enhance the “reversal & post” function in BST to

prompt user that a correction cannot be made when a

check cannot be reversed due to statement cycle.

• “Print all” statement feature

• Wire improvements

– Set default page views for approve wires

– Sequential wire confirmation numbers

Q4 2017

Roadmaps

31

• Roadmaps are updated quarterly and can be found on the client portal

https://clientsupport.fisglobal.com/Account/LogOn

• OLB path

– Product Information>Product Management>Online Banking>Product Roadmaps

• BeB path

– Product Information>Product Management>Business eBanking>Product Roadmaps

• Business Mobile path

– Product Information>Documentation>FIS Mobile Banking Services>FIS Mobile Banking Roadmap Documentation

THANK YOU

Digital Banking Product Management

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