Guiding Principles forMobile Payment Readiness           October 3, 2012
What We Will Cover                                   Future ofAbout Us        Perspectives       Payments                 ...
About PerficientPerficient is a leading information technology consulting firm serving clientsthroughout North America.We ...
Perficient Profile   Founded in 1997   Public, NASDAQ: PRFT   2011 Revenue of $260 million   Major market locations th...
Our Solutions Expertise & ServicesBusiness-Driven Solutions             Perficient Services• Enterprise Portals           ...
Our SpeakersMike Panzarella, Director, Financial Services PracticeWith 20 years of experience with Big Four consulting and...
Perspectives onMobile Payments
Evolution of Mobile PaymentsIn 2008: $71 Billion and 43.1 Million UsersIn 2011: $105.9 Billion in transactionsIn 2012: $17...
The Future of Mobile Payments                            9
The Future of Mobile Banking                          10
Banking Challenges                                                                         Increase Shareholder ROI       ...
Prioritizing Initiatives                      12
Prioritizing InitiativesGrowth of mobile is tracking comparable to BigData as a strategic initiative     Gartner: Gartner ...
The Business Case   ROI Model                                           Customer Service                                  ...
Mobile BankingTr e n d s
Mobile Banking Trends Mobile ishere to stay                            16
Mobile Payment Trends     Banks must expand awareness to incorporate the overall payments        ecosystem into their mobi...
Aggregator Wallet Trendsetter Passbook = Hype       Reality = More than 120 Known WalletsGift Cards, Coupons,             ...
E-Commerce Wallet Trendsetters                            19
Other Wallet TrendsRetailer Wallet                           Gatekeeper & Single Feature Wallet    Strengthen existing cu...
Banking Mobile Wallet Trend                 Existing Functions                    Bird’s eye view of personal finances   ...
Mobile Banking TrendsBalance.
RecommendationsBanking Mobile Payment Success     Determine what role to play in digital channel strategy (consumer perce...
The Customer ExperiencePerficient XD provides demonstrated userexperience excellence in four core marketcompetencies:• Str...
The Customer ExperienceConvenienceSpeed of UseSimplicityEase of UseSense of SecurityAccuracy & Timely Updates             ...
360° Customer SolutionsCustomer Service   Pay for Products       Email Receipt    Features                                ...
360° Customer SolutionsStrategic Partnership   On-the-fly shopping options through online rewards store   Scan item barc...
360° Customer SolutionsRaising the Bar with Payments   Mini-app “card monitoring dashboard” to align with iPhone 5    & P...
Customer Experience TrendsettersMobile & Payment Features      Merchant cash back deals      Credited to card account   ...
Leverage ITInvestments              30
Secure Customer DataKey Considerations:                                                                  Start Thinking Ab...
Key Controls for PCI Compliance                                                                                           ...
Mobile Banking Trends   A l i g n i n gC a p a b i l i t i e s
Leverage IT InvestmentsPrioritize Investments to    Drive Efficiency   Utilize MEAP to optimize mobile    development   ...
Strategies to Get StartedService Reusability    Expose existing web services to your banking platform for enhanced functi...
Strategies to Get StartedBig Data & Analytics Consolidate the customer view leveraging your  transformation capabilities...
Strategies to Get StartedRewards Use existing customer loyalty and rewards capabilities integrated  into the mobile layer...
Learn More       Download OurMobile Payments White Paper     Perficient.com/MP
Connect with PerficientSUBSCRIBE TO PERFICIENT BLOGS ONLINEw w w. Perfi ci en t. co m/ So ci al Med iaFOLLOW PERFICIENT ON...
Connect with Perficient             VISIT WITH OUR EXPERTS             w w w. Perfi ci en t. co m/ b ai              Mike ...
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Guiding Principles for Mobile Payment Readiness

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Learn the key success factors that banks must address to differentiate mobile offerings and provide industry-leading capabilities that drive customer satisfaction.
Learn how to:
Navigate the diverse digital payments “ecosystem”
Support customer loyalty and retention
Gain valuable customer insights from mobile data
Achieve symmetry with other mobile trends
Leverage core legacy technology investments
Demonstrate return on investment

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  • Mike
  • Mike- Average growth of GLOBAL Mobile payments is significant estimated to be nearly 50% by 2013.- Importantly, Non-Bank Providers that include companies like Intuit and PayPal show greater growth which banks need to address in their strategies for Payments.
  • A recentreport from Juniper Research finds that mobile banking users worldwide will reach 530 million by 2013, up from just over 300 million in 2011.
  • Jeff’s Slide:- What is the most effective strategy of the bank? Strategic factors need to address recent issues that will delivery financial results to include Shareholder ROI, Revenue, Net Income and Others.Most successful institutions are those that balance the needs and expectations of customers, regulators, employees and shareholders.Relative to mobile banking, Bank’s need to balance their priorities to ascertain where to target investments that will yield them the performance they require.
  • Jeff’s Slide:According to Gartner’s 2012 Emerging Technologies Hype Cycle, CIOs need to be just as strong at strategic planning and execution as they are at technology. Many are targeting and prioritizing investments in the areas of analytics, cloud and mobile strategies to stay in step with their rapidly changing customer bases.Within Financial Services, over the next two years BI and Big Data is developing rapidly with an adoption rate between 10-32%. Mobility solutions are emerging and within the next 2-5 years we will see growth increase, along with adoption of cloud computing.Does this align to the strategic imperatives of your organization? We would like to know.
  • Jeff’s Slide:Relative to the IT priorities gathered in the Gartner study we just mentioned, we’ve captured growth statistics for each. A question I will leave you with, will Mobile be the core digital strategy for channel servicing and new product offerings.
  • Jeff’s Slide:- You have done many business cases, so this will look familiar to you. Here are both qualitative and quantitative variables that rationalize investments mobile banking initiatives for retail channel- From a Forrester study that involved modeling a bank with a customer base of 500,000 retail customers, average ROI of 15.7%- Of the 19 North American Bankers interviewed, one-third will make investments in Mobile- The take away here is that our peers in banking are successfully rationalizing the business case for mobile, and they are actively making investments in this sector
  • MikeThere are alot of changes in the technology around mobile payments and mobile banking. Banks need to identify strategies and services that factor in the trends of non-bank providers such as google wallet, paypal, and groupon, mint.com and others.
  • Mike- Differentiators in mobile banking need to consist of enhanced functionality above the standard offerings. These enhanced offerings need to be incorporated into new and emerging technologies that are being launched include - MasterCard’s PayPass “Tap & Go” technology along with PayPal and Google Wallet’s “NFC” capabilitiesImportantly, payments are evolving. Non-Bank providers are looking for ways to exploit “Virtual Currencies” to further edge their way into payments and capture market share
  • Mike- There are more than 120 known mobile wallets. They can be broken into several categories: Retailer, Banking, E-commerce, Gatekeeper, Aggregator and Single Feature. No standards in the industry so this leaves the field wide open for develop. As the Banking industry has moved to online and mobile banking, a banking mobile wallet will be the next evolutionary step in mobile banking apps to be used as a payment tool. Are banks in danger with Apple’s Passbook mobile wallet? In a recent Netbanker post by Jim Bruene, an industry blogger and technology enthusiast, sees Passbook as an opportunity for merchants to capture a percentage of the POS experience with value-add loyalty points, rewards on Passbook-enabled purchases. Passbook gives small business owners and retailers an opportunity to capture customers at the POS, taking away from transactions processed by banks.
  • - There are more than 120 known mobile wallets. They can be broken into several categories: Retailer, Banking, E-commerce, Gatekeeper, Aggregator and Single Feature. No standards in the industry so this leaves the field wide open for develop. As the Banking industry has moved to online and mobile banking, a banking mobile wallet will be the next evolutionary step in mobile banking apps to be used as a payment tool.
  • - Big brands are helping to evolve and drive the adoption of new mobile payment capabilitiesThere is Square – which evolves the terminal to a virtual terminals deployed on tabletsStarbucks is leveraging a form of digital walletU.S. versus emerging technologies in Europe (flow through from international to U.S. market)
  • MikeA mobile walletoffered through mobile banking has the best opportunity to gain traction in the market.Why? Because mobile banking provides much of what a mobile wallet offering needs,including security, preloaded debit and credit card information, and other payment optionssuch as bill payment, P2P payments, and transfers.Remot
  • Mike Close
  • - Convenience: Taking the “brick and mortar” store out of the equation for users that are busy and “on the go”.- Speed of Use: Operating speed and load times are crucial for keeping your users attention. If load time exceeds a few seconds between transitions, users will view the app or mobile website to not be “user friendly” since it will no longer be viewed as a convenient time-saving tool.- Simplicity and Ease of Use: The Mobile experience for Payments and Banking should be task oriented, allowing the user to perform basic banking needs with very few steps, and little clutter. -Sense of Security: User’s are looking for a feeling of safety and confidence when it comes to their private financial affairs. Giving your user assurance with a secure login process makes them feel safe in know that if something should happen with their mobile device, their sensitive financial accounts and information are safe and sound.  -Accuracy and timely updates: This element refers to a user’s expectation that the content that is available to them on a mobile device should in fact be as up-to-date as the account information on the Desktop and Tablet experience. Having account information flow seamlessly between these three mediums allows the user to have confidence that no matter which type of device they chose to “view” or “perform financial tasks” on, that their transactions will be captured and executed with the same confidence that they have with brick and Mortar store. 
  • Mobile applications should have a 360-degree solution which include customer service features, payment capabilities and email confirmation functions.
  • An important aspect to UX in Mobile Payments is the Merchant Channel. Merchants are turning to technology offered by Non-Bank to influence purchasing and steer the consumers to their brand based on price mixed with brand. Mobile applications are increasing their use of business intelligence. Some of you may know RedLaser who leverages business intelligence with their barcode scanning capabilities to offer Consumers comparative prices with competing merchants while “shopping on the fly”.As solution providers to your bank, this is an opportunity for you to leverage consumer data to strengthen merchant relationships. You can reach out to us to help you in evolving your strategy in this area.
  • Importantly, “The bar will continue to move” and some of the major Banks are driving the introduction of enhanced mobile banking capabilities to improve the Customer Experience. - For the mobile channel, Mobile needs to be a 360 degree solution that goes beyond traditional banking- Mobile can be a remote kiosk to your customers - It offers alternatives to face-to-face support with Remote ChatUsing your business intelligence capabilities in retail, enhanced targeted offerings may can include targeting the customer coming in door with new services they don’t already haveTake Away “draw parallels to existing capabilities with a mobile perspective
  • - To wrap up, other banks like CapitalOne, Regions, AllyBank - are currently using loyalty and cash-back deals to lure customers.Bank of America is currently in the process of testing different methods of mobile payments through QR/barcodes and NFCThe take away here is – your competitors will offer the enticing customer experience and underlying “top of mind” features if you don’t.
  • JeffMost of you already have programs in place to secure and maintain the confidentiality of your customer’s PII and Account Numbers. Importantly, leverage what you currently have as you move forward with your mobile capabilitiesA side note, continue to be vigilant about regulatory changes in the pipeline at the federal and state level which may impact your digital strategiesThe next slide highlights a few components about security with mobile applications
  • JeffAs an extension to your existing security policy and management framework, banks need to maintain their security controls throughout the payment chain all the way to the to the merchant point-of-sale. There is an extensive movement to develop and quickly deploy mobile applications. If developed hastily without extensive security testing, the payment chain could be compromised. For those of you who lease third-party platforms, having an understanding of the rigor conducted on testing and security is vital. For more information about PCI Compliance for Mobile Applications, you should check their website at www.pcisecuritystandards.org.
  • Mike’s Slides:By proposingsolutions that drive efficiency, IT is deemed a true partner by the businessInvestments in mobile need to be done in stages. For example, does enterprise leverage mobile enterprise application platform to deploy enhancements to multiple OS concurrently?Given the considerable downstream services and functional services necessary to support mobile, banks need to strive for continued optimization of their SOABanks are experiencing increased volume with corresponding revenue being nominal, so it is vital IT continues to seek improvements in their architecture to scale
  • (3rd party ComScore, MicroStrategy)Lease
  • Use Financial Services “offerings” to talk about what we’ll be talking about at BAI
  • Use Financial Services “offerings” to talk about what we’ll be talking about at BAI
  • Guiding Principles for Mobile Payment Readiness

    1. 1. Guiding Principles forMobile Payment Readiness October 3, 2012
    2. 2. What We Will Cover Future ofAbout Us Perspectives Payments Mobile CustomerBusiness Case Tr e n d s Experience Leverage ITSecurity Investments Q & A
    3. 3. About PerficientPerficient is a leading information technology consulting firm serving clientsthroughout North America.We help clients implement business-driven technology solutions that integratebusiness processes, improve worker productivity, increase customer loyalty and createa more agile enterprise to better respond to new business opportunities.
    4. 4. Perficient Profile Founded in 1997 Public, NASDAQ: PRFT 2011 Revenue of $260 million Major market locations throughout North America — Atlanta, Austin, Charlotte, Chicago, Cincinnati, Cleveland, Columbus, Dallas, Denver, Detroit, Fairfax, Houston, Indianapolis, Los Angeles, Minneapolis, New Orleans, Philadelphia, San Francisco, San Jose, Southern California, St. Louis and Toronto Global delivery centers in China, Europe and India 2,000+ colleagues Dedicated solution practices 87% repeat business rate Alliance partnerships with major technology vendors Multiple vendor/industry technology and growth awards
    5. 5. Our Solutions Expertise & ServicesBusiness-Driven Solutions Perficient Services• Enterprise Portals  End-to-End Solution Delivery• SOA and Business Process Mgmt  IT Strategic Consulting• Business Intelligence  IT Architecture Planning• User-Centered Custom Applications  Business Process & Workflow• Interactive Design Consulting• CRM Solutions  Usability and UI Consulting• Enterprise Performance Management  Custom Application Development• Customer Self-Service  Offshore Development• eCommerce & Product Information  Package Selection, Implementation Management and Integration• Enterprise Content Management  Architecture & Application Migrations• Enterprise Resource Planning  Education• Management Consulting  Interactive Design• Industry-Specific Solutions• Mobile Technology Perficient brings deep solutions expertise and offers a complete set of flexible services to help clients• Security Assessments implement business-driven IT solutions
    6. 6. Our SpeakersMike Panzarella, Director, Financial Services PracticeWith 20 years of experience with Big Four consulting and commercialbanking, Mike has expertise in BI platform architectures for Fortune 100financial service firms with a focus on social media and mobile convergence.Jeff Fisher, Director, FS Practice Operations &Advisory ServicesWith over 20 years of experience as a technology leader with global enterpriseorganizations, Jeff has a proven track record of success leading technologyteams in financial services organizations.
    7. 7. Perspectives onMobile Payments
    8. 8. Evolution of Mobile PaymentsIn 2008: $71 Billion and 43.1 Million UsersIn 2011: $105.9 Billion in transactionsIn 2012: $172 Billion in transactions (61.9% increase)By 2016: $617 Billion and 448 Million Users (359% increase)Source: Gartner May 2012 8
    9. 9. The Future of Mobile Payments 9
    10. 10. The Future of Mobile Banking 10
    11. 11. Banking Challenges Increase Shareholder ROI Financial Strategic Factors Perspective Revenue Net Income Capitalization1. Balancing Consumer Retail Channels Market Share Performing Loans2. Non-Bank Providers3. Levers for Customer Customer Value Proposition Customer Retention • Mobile Banking • Personal Financial • Self-Service • Consumer Perspective Management Lending4. Merchant Pricing Issues (Consumer)5. Selecting Investments Internal Operations • Innovative • Commercial / • Performance • Consumer • Compliance Product Institutional Balancing Management Services Development • Risk • InformationPrioritize Priorities • Mortgage/ Security • Efficiency & • Business Process Management Managementinvestments to Foreclosures • Vendor Scalability • Customer Management • Marketing Servicebalancecustomers, regulat Information Technologyors, employees and Targeted • Improved • Efficient • Third-Party • Data • Self Serviceshareholder needs Investments Workflow Queue Management Processing Quality Analytics 11
    12. 12. Prioritizing Initiatives 12
    13. 13. Prioritizing InitiativesGrowth of mobile is tracking comparable to BigData as a strategic initiative Gartner: Gartner Report Market Insight: Technology Opens Up Opportunities in SMB Vertical Markets - September 2012 13
    14. 14. The Business Case ROI Model Customer Service 27% Efficiencies 69% Reduced Attrition 15.7%1 ROI* Revenue from 3% Cross-sell Reduction inInvestments in the Digital Channel 2% Marketing Spend *ROI varies depending on bank size and other industry variables. [1] Average provided by Forrester’s “The ROI of Mobile Banking” model. 14
    15. 15. Mobile BankingTr e n d s
    16. 16. Mobile Banking Trends Mobile ishere to stay 16
    17. 17. Mobile Payment Trends Banks must expand awareness to incorporate the overall payments ecosystem into their mobile strategy Enhancements to consumer experiences that will effect payments in retail and other channels.Banks need tobridge Mobile Multi-tender: Enabling the capture Loyalty & Rewards: EarningBanking with of all payment types to include loyalty credits real-time and provide for credit, debit, PIN Debit, eCheck, pre- immediate redemption with locationTraditional paid, as well as, splitting payments aware technologies on the mobileWholesale Banking between each type. phone.Channels! Real-time Offers: Influence and Contactless Payments: POS direct consumer shopping behavior based technologies have yielded tablets as on past purchasing trends using location registers - emerging mobile technologiesBe on the Lookout for… aware technologies with QRS couponing will supersede traditional terminal devices capability with consumers (i.e., Retailix). (i.e. PayPass, PayPal, and others).Virtual Currencies: Servicemay include cash/credits /pointswhich can be stored value in a Person2Person: Going beyond Social Payments: Generation M willmobile wallet. Good option for payment transfers, capabilities to enable influence adoption of future paymentmicropayments, but subject to legal one person paying with another person schemes. Services cover mobile payments,laws banks must address. Appeals to buying are essential and will require ‘split the bill’, and pay a friend features, plusyouth and under-banked (i.e. enhanced payments infrastructure. enable social sharing, management andZynga, Facebook, Lindens). check-in updates. 17
    18. 18. Aggregator Wallet Trendsetter Passbook = Hype Reality = More than 120 Known WalletsGift Cards, Coupons, Time and Location-basedTickets and Loyalty Offers 18
    19. 19. E-Commerce Wallet Trendsetters 19
    20. 20. Other Wallet TrendsRetailer Wallet Gatekeeper & Single Feature Wallet  Strengthen existing customer bonds  Wave a mobile phone in front of reader to process payment  Targeted marketing  Requires NFC technology (unclear)  Merchant coupons and discounts  Focused functionality  Suggestions based on purchases 20
    21. 21. Banking Mobile Wallet Trend Existing Functions  Bird’s eye view of personal finances  Online bill payment  Alerts and notifications  Remote deposit capture  Person-to-person payments (P2P)(intrabank)  Merchant offers and discounts  Access to other services “Top of Wallet” Preferences  Personal financial management  P2P payments (interbank)PNC Mobile App  Integrated loyalty and rewards  Augmented reality integration 21
    22. 22. Mobile Banking TrendsBalance.
    23. 23. RecommendationsBanking Mobile Payment Success  Determine what role to play in digital channel strategy (consumer perceived value)  Leverage the bank’s key strengths  Defined strategy and deploy core payment offerings  Continue to expand mobile banking services  Evolve cross-sell capability  Business Intelligence  Analytics (Social, Predictive, Business)  Decide where strategic partnerships make sense  Reduce merchant and customer obstacles for adoption 23
    24. 24. The Customer ExperiencePerficient XD provides demonstrated userexperience excellence in four core marketcompetencies:• Strategy & Ideation• User Research & Analysis• Creative & Interaction Design• Innovation & Implementation
    25. 25. The Customer ExperienceConvenienceSpeed of UseSimplicityEase of UseSense of SecurityAccuracy & Timely Updates 25
    26. 26. 360° Customer SolutionsCustomer Service Pay for Products Email Receipt Features 26
    27. 27. 360° Customer SolutionsStrategic Partnership On-the-fly shopping options through online rewards store Scan item barcodes Redeem AMEX reward points and purchase Takeaway: Can Banks Strengthen Merchant Relationships to Optimize Loyalty & Rewards? 27
    28. 28. 360° Customer SolutionsRaising the Bar with Payments Mini-app “card monitoring dashboard” to align with iPhone 5 & Passbook Personal finance management (Mint.com) Turn mobile devices into remote kiosks Enhanced targeted mobile offers for in-store customers Contactless ATMs FaceTime chat with advisors Takeaway: Draw Parallels to Existing Capabilities with a Mobile Perspective 28
    29. 29. Customer Experience TrendsettersMobile & Payment Features  Merchant cash back deals  Credited to card account  Testing QR mobile payments solution  Augmented reality for location-based merchant offers VS. 29
    30. 30. Leverage ITInvestments 30
    31. 31. Secure Customer DataKey Considerations: Start Thinking About: Information Security Framework:Enterprise Security Management Program: An information Establishing a secure architecture foundationsecurity program provides the foundation for an effective security control underlying your applications and data arestructure. It establishes a framework and continuous cycle of activity for essential to protecting your informationassessing risk, developing and implementing effective security assets. To achieve this, defining a securityprocedures, and monitoring the effectiveness of these procedures. Overall policy and architecture framework must bepolicies and plans, including system and application-specific procedures and step one.controls, implement the enterprise wide policy. Digital Advertising Alliance:Information Security Architecture: As an extension of your Extending beyond current opt-outBank’s information security policy, the architecture should provide for policies, the government is looking at givingpatterns that define who can access applications, data, systems, and consumer’s the ability to create their ownunderlying networks. Privacy preferences.Minimum Security Controls: As a foundation to the security of Transferring Data in the Cloud:your information assets, a set of minimum security controls should be set in Privacy rules are different between the USplace and continuously tested by every bank. Whether it consists of access and the European Union. The EU precludescontrol, information flow control, least privilege access, separation of duties, the transfer of data to “non-adequate” jurisdictions. Where is the cloud in which youphysical access, concurrent session controls, session locks, and others; these store your data?controls should be always monitored and tested.Laptops, Mobile and Personal Devices: Key vulnerabilities to Third-Party Testing: In addition toany bank’s information assets involve the security of any device outside the the testing done by your internal auditphysical premises that can be either lost or stolen. Specific policies should team, think about leveraging a third-party to conduct security reviews and/or to conductbe established and enforced regarding all proprietary bank information that continuous scanning against yourmay be stored on the device to preclude any and all customer account applications., systems and network.information. 31
    32. 32. Key Controls for PCI Compliance POS Terminals: • Networks: Secure networks Laptops, Tablets, and Smart Some Key Facts: • Least Privilege: Restrict access Phones require compliance to systems, applications, and with PCI Mobile Standards. Call Center Recordings: Neither sensitive data Bank nor Processor call centers can store • Back-Office: Control recorded data that contain card Merchants verification value information if those payment application & users records can be queried. Secure Data: Encrypt• Audit Controls: transmission and storage of data. Average Cost of PCI Auditing on host Compliance: In their Retail Security application platform & Compliance Survey 2011, Gartner for access & change ISOs/MSPs reported different merchants spent on mgmt. average – over 2.35 years: Level 2-4 • Strong Access Control: Eliminate un- retailers: $1.1 million; Level 1 Retailers:• Third-Party Testing: necessary access and impose privileged $2.1 million. Test, Accredit and access with monitoring. Certify your Biggest Card Industry Data application Processors Breaches: Publicly known credit card account number data breaches include • Mobile Platform Provider: Is your Global Payments involving as few as Credit Card Co. Partner provider validated? 50,000 credit card account numbers(1), and Heartland Payment Systems in 2009 involving the exposure of data on 130 Mobile Applications: Secure million credit cards. how data is acquired with application security controls – use secure coding practices. Reference www.PCIsecuritystandards.org for more PCI Compliance details. (1) The exact number of exposed credit card accounts is not yet fully been disclosed to the public. 32
    33. 33. Mobile Banking Trends A l i g n i n gC a p a b i l i t i e s
    34. 34. Leverage IT InvestmentsPrioritize Investments to Drive Efficiency Utilize MEAP to optimize mobile development SOA to enable effective data acquisition and pass-through processing Leverage Big Data to optimize cross-sell opportunities, fraud, and real- time segmentation Agile development for enhanced product functionality Effective scalable systems to handle increased volume 34
    35. 35. Strategies to Get StartedService Reusability  Expose existing web services to your banking platform for enhanced functionality  Leverage ESB coupled with your SOA web services to address increased volume 35
    36. 36. Strategies to Get StartedBig Data & Analytics Consolidate the customer view leveraging your transformation capabilities Leverage data warehouses and data marts to build the customer’s “digital experience” Extending the use of customer data for cloud- based social analytics Exploit the mobile banking platform to test and drive cross-sell offerings 36
    37. 37. Strategies to Get StartedRewards Use existing customer loyalty and rewards capabilities integrated into the mobile layer and enhance using real-time data Banks can lease rewards capabilities to get speed-to-market solutions (Retailix, Truaxis, Destination Rewards) 37
    38. 38. Learn More Download OurMobile Payments White Paper Perficient.com/MP
    39. 39. Connect with PerficientSUBSCRIBE TO PERFICIENT BLOGS ONLINEw w w. Perfi ci en t. co m/ So ci al Med iaFOLLOW PERFICIENT ON TWITTERw w w. P erf i ci en t . co m/ P erf i ci en t _F SBECOME A FAN OF PERFICIENT ON FACEBOOKw w w. F aceb o o k. co m/ Perfi ci en tD O W N L O AD P E R F I C I E N T W H I T E PAP E R Sw w w. Perfi ci en t. co m/ W hi tePap ers 39
    40. 40. Connect with Perficient VISIT WITH OUR EXPERTS w w w. Perfi ci en t. co m/ b ai Mike Jeff Fisher Sean Elizabeth Panzarella O’Sullivan DiasQuestions? Matt Abbey Passey Smalley WEBINAR CONTRIBUTORS 40

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