MOBILE-FOCUSEDUSER-CENTRIC

EASY-TO-USEDelivering reimagined

digital banking

experiences focused

on what matters most,

your users.

Digital BankingREIMAGINED

As part of First Data’s goal... to deliver delightful solutions to our clients and

consumers, our Innovation Lab continually delivers

solutions that lie at the intersection of user desirability,

technology feasibility, and business viability.

To identify and develop existing opportunities,

we apply Design Thinking methodology, an innovative

process introduced to the business world by

Stanford University as a way to address intractable

human concerns through design.

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Two years ago, First Data’s

Innovation Lab embarked on a

journey to completely understand

how consumers interact with

their money and manage their

financial lives. Applying the

Design Thinking approach, we

drew upon logic, imagination,

intuition and systemic reasoning

to uncover unmet, unarticulated

consumer needs and potential

solutions that would benefit both

our clients and their end users.

The result is a Reimagined

Digital Banking Experience.

The result: A Reimagined Digital Banking Experience.

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MONTHS OF RESEARCH & DEVELOPMENT

INDIVIDUAL CONSUMER SESSIONS

MINUTES OF INTERVIEWS

CITIES VISITED

PROTOTYPE ITERATIONS

18

104

10,000

7

100

+

+

+

O U R C O M M I T M E N T

First Data’s reimagined Digital Banking platform was

created using the understanding and knowledge we gained

from meeting with real consumers across the country and

learning how they feel about their finances – including banking,

bills, debt and spending. What we discovered was fascinating,

enlightening and led us to identify three distinct groups.

Click below to learn more

THE PLANNERS THE RESPONSIBLE FREE SPIRITS THE FREE SPIRITS

Innovation in Action4

I keep a budget, track every penny I spend and save for things I want.

Have a defined system for managing money in one place Maintain a clear, constant awareness of where their money is going and how it works for them Financially set for years, almost on auto-pilot Enjoy money management tasks and understanding finances

The Planners

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THE PLANNERS THE RESPONSIBLE FREE SPIRITS THE FREE SPIRITS

The Responsible Free Spirits

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I try my best to be cautious about money. I just wish it was easier. Recognize the need to improve finances and be responsible View finances as something they have to do, yet don’t enjoy Open to ideas to make managing their money easier and faster Won’t use complex tools that add time

THE PLANNERS THE RESPONSIBLE FREE SPIRITS THE FREE SPIRITS

The Free Spirits

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I don’t like worrying about money, I just want to enjoy my life. Would prefer not to have to think about what is happening with their money Struggle to track spending and will spend beyond means Use a messy “system” that allows them to stay current on their bills most of the time Quickly abandon complex tools

THE PLANNERS THE RESPONSIBLE FREE SPIRITS THE FREE SPIRITS

Our reimagined digital banking solution was designed

as a mobile-focused banking platform for a mobile-first

world. Whether a planner or a free spirit, our innovative

tools put users in full control of their finances.

What Matters Most

Simple | Convenient | Effective

See how much money they have and how much they owe

Pay their bills securely

Spend only the money they have/ the money they want to spend

See where their money is going

Save money for things they want to buy

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Simplified Money Management

Bold | Clean | Secure | User-Friendly

We brought everything

end users need together

into a cohesive, simple

experience that can

improve their financial lives.

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Mobile-Focused DesignHighly visual, prominent

display of balance information

on home page and account

information pages makes it

easy for users to check status

while on the go.

User-First ExperienceFriendly, relatable

language speaks to the

user in familiar language

rather than financial

speak, presented in an

easy-to-understand way.

Relevant Financial ToolsWe didn’t just add features

to give users something new,

we developed features that

can truly make a positive

difference in how users

manage their money.

Modern | Smart | Engaging

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Card Controls FeatureAn instant solution that

allows users to turn off any

of their First Data processed

debit cards with a click -

whether a card is lost, stolen

or the user just decides to

put it on hold.

Spendable Balance FeatureA simple way for users to

better stick to their budget

by safely setting aside

money they need to cover

obligations and money they

want to save for later.

© 2017 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

It’s rare that innovation is driven by one

of the largest players in the industry, but

First Data has clearly invested heavily to

produce a digital banking solution that

not only delivers information and card

controls to the banking customer, but

also provides a path to financial health

for those customers who care to take it.

Tim SloaneVice President

Payments Innovation

Mercator Advisory Group

Are you ready to take your digital banking strategy to the next level?

Connect with First Data. Call 866.571.0350 or visit firstdata.com/digitalbanking

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