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Payments:
The Evolution is Now

Presented by
CO-OP Financial Services
WHAT’S NEW?

INNOVATION
IN
PAYMENTS
WHAT’S NEW?

INNOVATION
IN
PAYMENTS
WHAT’S DRIVING THE EVOLUTION?

› Technology
› Dynamics of Interchange
› Consumers Gone Wild
CHANGE IS THE SAME
SAFE AND CONVENIENT
CO-OP EVOLUTIONARY EIGHT

ATM NETWORK

SHARED BRANCH

CREDIT
PROCESSING

DEBIT
PROCESSING

CO-OP
BILL PAY

ALTERNATIVE
PAYMENTS

SPRIG
BY CO-OP

PAY-ANYONE
Sprig By CO-OP

P2P

MOBILE SHARED
BRANCHING APP

MOBILE
PERSON-TO-PERSON
PAYMENTS

DIGITAL WALLET
FEATURES
RDC
FREE TO CO-OP SHARED
BRANCHING MEMBERS

PAYMENTS TO ANYONE
REAL-TIME
TRANSACTIONS
WITHIN
SHARED BRANCHING
NETWORK
CONVENIENCE & SECURITY

TRUST
SECURITY

CONVENIECE
THE EVOLUTION

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Evolution in payments