Payments Revolution Part II:

Payment Experience

Shawn Princell

President

Cash Flow Solutions

Brian Dao, AAP

Assistant Vice President

Commerce Bank

Operations: Manual Tasks

Data Empowers Experience

Is the new payment experience

not an experience at all?

New Expectations

Share Your Experiences

Connected Commerce

Conversational

Payments

Evolution in Payments

Do you use a digital wallet?

Digital Wallets Timeline

What

happened

to MCX?

ACHThe Bacon of Payments?

Repackaged for ConvenienceMeet New Market Demands

Same Rails, New Experiences

33%

82%

92%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Millennials have a Credit Card U.S. workers are paid via ACH Americans have a Bank Account

Payment Trends

Faster Disbursements

Who is your customer?

How can your organization impact

the payment experience?

Additional Discussion

Shawn Princell

President

Cash Flow Solutions

Brian Dao, AAP

Assistant Vice President

Commerce Bank