1 csi mobile strategy 2013 bringing the bank to the customer bob ezell
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1
CSI Mobile Strategy 2013
Bringing the Bank to the Customer
Bob Ezell
Mobile - Preferred Channel
CSI’s Triple Play
CSI’s Triple Play
2008 2009 2010 2011 2012 Projected0
20
40
60
80
100
120
140
160
180
SMSMobile OptimizedApps
Three Waves of Mobile Commerce
Mobile Banking and Integrated Cross Channel Self Service
Mobile Payments, both Cross Channel and at the Point of Sale
Opt-In, User Defined Mobile Self Marketing
CSI Mobile Strategy Roadmap
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
Mobile Credentials at the Core
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
Centier Mobile App Launch
4,000 App Store Downloads in 4
weeks
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
Alerts, SMS and eMail
Apr
Jun
Aug
Oct
Dec
Feb
Apr
Jun
Aug
Oct
Dec
Feb
Apr
Jun
Aug
Oct
Dec0
50,000
100,000
150,000
200,000
250,000
300,000
350,000
Total SMS
Total Outgoing
Total Incoming
Alerts
Alert Emails
CSI’s Alerts Growth
Debit Card Control Panel
Card On/OffWhite ListCard Alerts
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
Mobile Check Capture
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
CSI Mobile Strategy Roadmap
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
Mobile Payment Vendor Evaluation
Works with Existing Payment Tenders
Pay in store, online, at the table, pay a bill
Cloud based solution built into Mobile App
Works with today’s Smart Phones and P.O.S. Terminals
3rd Party Mobile Wallets
Consumers will dictate which mobile wallet they prefer/demand and what interactions they will allow
CSI must/will be prepared to support other wallets or payments as the market evolves
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
CSI Mobile Strategy Roadmap
Next Generation of ATMs
No Envelopes for Cash & Checks (August)
Image of Check Deposits & Integration to our Document Services Division (August)
CSI Mobile Strategy Roadmap
eWallet-based Preference Driven Mobile Self Marketing
Mobile Cash Access & Mobile Branch Automation
Mobile Payments for Banks & Banks' Own Merchants
Develop Programs to Capture Mobile Credentials in the Cores
Aggressively Promote Smartphone & Tablet Apps
Enhance SMS & Apps with Real Time "Transaction" Alerts
Mobile Bill Payment
Mobile Remote Deposit Capture
Funds Transfer for M2M, P2P, A2A
Mobile Only Enrollment, e.g. decoupled from Online Banking
Priority IIILeapfrog Functionality to
Move MarketPositioning for the Mobile
Payment and Marketing Wave
Priority IOptimize Cross-Channel
CSS CapabilitiesSell What you Got & Increase
Mobile Penetration QuicklyAdd "Must Have" Functionality
Market Competitive Response
Priority II
Merchant Funded Rewards
Opportunity to conduct directed marketing of rewards, and offers before, during, and after a payment.
Increase spendIncrease revenue to Bank
Increase debit card usageIncrease revenue to CSI and Bank
Customer engagement
Sell access to bank approved 3rd partiesIncrease revenue to CSI and Bank