The 2014 Fiserv Boardroom Series Outlook Survey measures the sentiment of senior financial institution executives on the economy, business and IT priorities for the year ahead.The survey was distributed in early Jan. 2014 to the Fiserv Boardroom Series, the 17,000 member-strong thought leadership community for Fiserv clients. Nine hundred senior level executives, ranging from community banks and credit unions to those at institutions with greater than $30 billion in assets, responded to the survey.

1. How confident are
financial institution
executives about 2014
© 2014 Fiserv, Inc. or its affiliates.
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2. We asked members of the Fiserv
Comprised of
17
,000
leaders at banks, credit unions and
other financial institutions.
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3. How do financial leaders feel about the economy?
What areas will drive growth?
Where will financial institutions innovate?
What will impact business in 2014?
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4. How do you feel about the economy?
What is your expectation for the
overall economy in 2014?
46
42
%
92
8
4
Very
optimistic:
1
Somewhat
optimistic:
About the
same as
2013:
Somewhat
Very
pessimistic: pessimistic:
Overwhelmingly, 92% of respondents
anticipate economic recovery to continue
at least on pace with 2013.
© 2014 Fiserv, Inc. or its affiliates.
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5. Confidence in the improving economic environment…
skepticism remains over government policy, regulations and unemployment.
Source: Word Cloud based on Survey Comment Responses
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6. Much of the distress has
worked its way out of the
banking system, and financial
executives can finally look
forward instead of in the
rearview mirror.
Virginia Heyburn
Vice President, Insights & Advocacy, Fiserv
© 2014 Fiserv, Inc. or its affiliates.
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7. What areas will drive growth?
Lending
On average, lending
ranked as most important.
However, the data suggest
institutions are diversifying
across all major lines
of business.
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8. For smaller institutions (< $1B)
consumers rated as top priorities
Rate the importance of these areas to the
growth of your institution in 2014
Business /
Corporate
Lending
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Consumer
Banking
Consumer
Lending
Small
Business
Banking
Payments
Wealth /
Advisory

9. For larger institutions (> $1B)
business customers rated highest
Rate the importance of these areas to the
growth of your institution in 2014
Business /
Corporate
Lending
© 2014 Fiserv, Inc. or its affiliates.
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Consumer
Banking
Consumer
Lending
Small
Business
Banking
Payments
Wealth /
Advisory

10. Where will you innovate?
Overall, Lending, Compliance and Digital Channels
Lead Tech Priorities
Where do you anticipate your company will
focus technology investments in 2014?
Lending
Compliance
Online Channel
Mobile/Tablet Channels
Integration/Technology Infrastructure
Core Banking
Payments
ATM/Branch Channels
CRM/Sales Enablement
Wealth Management
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Smaller institutions
ranked Core Banking
more important than
large institutions,
who put more
emphasis on CRM
and Wealth
Management.

11. What will impact your business the most?
Regulation
How much of an impact do you
anticipate these areas will have on
your institution in 2014?
Regulations / Legislation
Pace of consumer tech adoption
Competition from other financial
institutions
Macroeconomic environment
Competition from non-traditional
financial providers
The rapid pace of technology adoption by
consumers is also a challenge. Non-traditional
financial providers are on the radar, but behind
bank and credit union competitors.
© 2014 Fiserv, Inc. or its affiliates.
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12. Methodology
The survey was distributed in early Jan. 2014 to the
Boardroom Series, the 17
,000 member-strong thought
leadership community for Fiserv clients. Nine hundred
senior level executives, ranging from community
banks and credit unions to those at institutions with
greater than $30 billion in assets, responded to the
survey.
© 2014 Fiserv, Inc. or its affiliates.
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