The Impact of Mobile and Online Banking on the Branch Environment

• Welcome and Introductions

• What the branch was like 20 years ago (pre-internet)

• Online adoption over the years

• Mobile adoption over the last couple of years and predictions

• Changes in the branch

• Needs-based selling is becoming more popular

• Branch of the Future

• Open Discussion Including Q&A Session

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• Gordon A. Williams IV, FMSI EVP Business Development

• Randy A. Wardwell, FPS Gold President

• Chad Davis, FMSI VP of Marketing

The Branch—20 Years Ago (pre-internet) — • Majority of transactions took place in the branch

The Branch—20 Years Ago (pre-internet) —

Online adoption over the years (Pew Research) — • Online banking usage in 2000 - 18% of internet users • Online banking usage in 2013 - 61% of internet users • 85% of adults use the internet • Mobile banking usage from 18% in 2011 of cell phone

owners to 35% in 2013

Mobile adoption over the last couple of years and predictions (FPS GOLD Data) (Mitek) — • 91% of US adults have a cell phone • 64% of all mobile phones in the USA are smartphones • 48% of smartphone users used mobile banking in 2013

Changes in the branch (new efficiency technologies introduced) — • Cash Recyclers

• Security • Efficiency

• Teller Capture • 90% of teller transactions involve checks

Needs-based selling is becoming more popular — • Automated needs analysis • Person-to-person presentation, as well as electronic presentation

Omni-channel – coordinating banking experience in all channels — • FPS Solutions – Design and flow integrated with Branch

Experience

• Seamlessly connect the user to his own workflow in all channels.

Newly Redesigned Branch— • Open floor plan • Pods • Universal Associates

Adopting Advanced Efficiency and Convenience Technologies — • Personal Teller Machines • Staff forecasting and scheduling systems

Using more sophisticated sales approaches supported by technology — • Implementing sophisticated sales data capture technologies • Lobby tracker solution • Predictive modeling around customer behaviors and habits

Position your FI for 21st century challenges —

• Transactions will continue to migrate away from branches

• Branches must adopt and become more sophisticated in sales and service to be profitable

FPS GOLD believes in making banking processes simple and easy for our users. We

can manage everything from mobile and Internet banking to commercial banking to

operating your general ledger and payroll, leaving you to worry about the more

important parts of banking: your customers. Headquartered in Provo, Utah, FPS

GOLD has a distinguished track record with decades of experience, cutting-edge

products, and customer service with a personal touch.

– Learn more at http://www.fps-gold.com

FMSI provides performance management information and a

scheduling solution to financial institutions of all sizes, including

a workforce optimization comparative data report that allows

clients to see where they rank amongst their industry peers.

– Learn more at www.fmsi.com, or call 770.619.3443 – Download all FMSI white papers and recorded webinars at

fmsi.com/resources