Raddon Chart of the Day
                                                                 January 24, 2013
                                                 Gen Y Most Likely to See Value in a Mobile Wallet
                                                                         Percent Citing Extremely/Very Valuable
                                    40%
                                                                                                                                                      39%
Percent of All Online Respondents




                                    30%




                                    20%                                                                                        21%

                                                  18%

                                                                                                               14%
                                    10%




                                                                                 3%
                                    0%
                                                   Total                    Traditionalist                Baby Boomer          Gen X                  Gen Y

                             Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
                            ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.           www.raddon.com | 800.827.3500
Raddon Chart of the Day
                         January 22, 2013
   Remote Deposit Capture Potential Resides with Gen Y Consumers
35%
                                                                                                                                       31%
30%

25%
                                                                                   Percent of All Online Respondents
20%                                              18%
                       14%                                                                                       13%
15%                                                                        12%
                                                                                                    11%                        11%
10%                                     9%
              6%                                                                                            7%
                                                                  5%
5%
                                                                                            1%
0%
                 Total              Top Five Bank Regional Bank Community                                 Credit Union            Gen Y
                                                                  Bank
                                       Currently Use                      Extremely or Very Likely to Use

 Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                www.raddon.com | 800.827.3500
Raddon Chart of the Day
                                       January 17, 2013
                         One Out of Five Consumers Use a Banking App
40%
               35%
35%                               32%
                                                      30%
30%                                                                      29%                          Percent of All Online Respondents

25%
                                                                                             21%
20%                                                                                                         18%
                                                                                                                        15%
15%

10%

5%                                                                                                                                       3%

0%
             Weather        Maps/Directions Social Network               Games              Banking        Music      Shopping         Investing
                                                  Site


 Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                   www.raddon.com | 800.827.3500
Raddon Chart of the Day
                         January 15, 2013
 Top Five Banks and Credit Unions Have Highest Mobile Penetration
70%
                              63%                                      61%
60%                                         56%
                 53%
50%
                                                                                                      Percent of All Online Respondents
                                                         41%
40%                                                                                                      35%
30%                                                                                                                                   25%
                                                                                              24%
                                                                                                                20%
20%                                                                                                                       18%

10%

0%
                       Have Smartphone or Tablet                                                    Bank via Smartphone or Tablet
           Total            Top Five Bank                   Regional Bank                    Community Bank             Credit Union

 Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                   www.raddon.com | 800.827.3500
Raddon Chart of the Day
                                          January 10, 2013
                            One-Fifth Indicated That They “Bank Online”
                                       with Their Smartphone

25%
                     20%
20%                                                                                                 Percent of All Online Respondents
                                                                          16%
15%                                                                                                              14%


10%                                      9%
                                                                                              6%                                  5%
5%

0%
             Bank Online with Device                            Downloaded App from PFI                       Actively Use PFI App
                                                               Smart Phone                   Tablet
 Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                 www.raddon.com | 800.827.3500
Raddon Chart of the Day
                                                                January 8, 2013
                                                     Gen Y Respondents Are More Likely to
                                        8%
                                                         Buy a Tablet in the Next Year
Percent of Online Respondents without
  a Smartphone or Tablet Currently




                                        6%
                                                                                                                                              1%




                                             1%                                                        2%
                                        4%                               1%


                                                                                                                     2%
                                                                                                                                              5%

                                        2%
                                             3%                          4%
                                                                                                       3%
                                                                                                                     2%


                                        0%
                                             Total                 Traditionalist                Baby Boomer         Gen X                   Gen Y

                                                                              New Tablet          New Smartphone

                  Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
                  ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.           www.raddon.com | 800.827.3500
Raddon Chart of the Day
                                            January 4, 2013
                               One-Half of Consumers Are Mobile Ready

60%
                  53%
50%
                                            45%
40%

30%                                                                                                 Percent of All Online Respondents
                                                                      24%
20%                                                                                             17%
                                                                                                               13%
10%                                                                                                                                 5%

0%
          Smartphone Smart Phone                                    Tablet                  Android           iPhone              Other
           or Tablet


 Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                 www.raddon.com | 800.827.3500
Raddon Chart of the Day
                                 January 2, 2013
             One-Quarter of All Respondents Report Owning a Tablet


                                                       7%

                 22%                                                                                         Cell Phone
                                                                                                             Tablet Only
                                                                                                             Both
                                                                                                             Neither
                                                                  69%
2%
                                                                                      Percent of All Online Respondents



Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc.                 www.raddon.com | 800.827.3500

Raddon Chart of the Day January 24, 2013

  • 1.
    Raddon Chart ofthe Day January 24, 2013 Gen Y Most Likely to See Value in a Mobile Wallet Percent Citing Extremely/Very Valuable 40% 39% Percent of All Online Respondents 30% 20% 21% 18% 14% 10% 3% 0% Total Traditionalist Baby Boomer Gen X Gen Y Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 2.
    Raddon Chart ofthe Day January 22, 2013 Remote Deposit Capture Potential Resides with Gen Y Consumers 35% 31% 30% 25% Percent of All Online Respondents 20% 18% 14% 13% 15% 12% 11% 11% 10% 9% 6% 7% 5% 5% 1% 0% Total Top Five Bank Regional Bank Community Credit Union Gen Y Bank Currently Use Extremely or Very Likely to Use Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 3.
    Raddon Chart ofthe Day January 17, 2013 One Out of Five Consumers Use a Banking App 40% 35% 35% 32% 30% 30% 29% Percent of All Online Respondents 25% 21% 20% 18% 15% 15% 10% 5% 3% 0% Weather Maps/Directions Social Network Games Banking Music Shopping Investing Site Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 4.
    Raddon Chart ofthe Day January 15, 2013 Top Five Banks and Credit Unions Have Highest Mobile Penetration 70% 63% 61% 60% 56% 53% 50% Percent of All Online Respondents 41% 40% 35% 30% 25% 24% 20% 20% 18% 10% 0% Have Smartphone or Tablet Bank via Smartphone or Tablet Total Top Five Bank Regional Bank Community Bank Credit Union Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 5.
    Raddon Chart ofthe Day January 10, 2013 One-Fifth Indicated That They “Bank Online” with Their Smartphone 25% 20% 20% Percent of All Online Respondents 16% 15% 14% 10% 9% 6% 5% 5% 0% Bank Online with Device Downloaded App from PFI Actively Use PFI App Smart Phone Tablet Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 6.
    Raddon Chart ofthe Day January 8, 2013 Gen Y Respondents Are More Likely to 8% Buy a Tablet in the Next Year Percent of Online Respondents without a Smartphone or Tablet Currently 6% 1% 1% 2% 4% 1% 2% 5% 2% 3% 4% 3% 2% 0% Total Traditionalist Baby Boomer Gen X Gen Y New Tablet New Smartphone Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 7.
    Raddon Chart ofthe Day January 4, 2013 One-Half of Consumers Are Mobile Ready 60% 53% 50% 45% 40% 30% Percent of All Online Respondents 24% 20% 17% 13% 10% 5% 0% Smartphone Smart Phone Tablet Android iPhone Other or Tablet Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500
  • 8.
    Raddon Chart ofthe Day January 2, 2013 One-Quarter of All Respondents Report Owning a Tablet 7% 22% Cell Phone Tablet Only Both Neither 69% 2% Percent of All Online Respondents Source: Raddon Financial Group, National Online Consumer Research – Fall 2012 ©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500