Mobile Banking

Presented by:

Corporate Banking Goes Mobile

Sarah E. Shatila

September 21, 2015

Date:

KeyCorp Public

Agenda

I. Mobile Banking Introduction

II. Current Landscape

III. Benefits of Corporate Mobile Banking

IV. What to Look for in a Solution

V. What’s Next

VI. Questions

1

KeyCorp Public

Today’s presenter

Sarah E. ShatilaAVPSenior Product ManagerKeyBank Enterprise Commercial PaymentsTreasury Services Product & Innovation

2

KeyCorp Public

• Capabilities are essentially the same• Both can be built to ensure safe and secure mobile banking

Mobile Optimized URL Native Application (App)

Streamlined user interface customized to fit smaller screens

Refined functionality for “on-the-go” needs

Slightly better performance

Leverages device’s native capabilities (e.g. – phone or GPS)

Typically created and customized for IOS or Android phonesDevice Agnostic

Mobile Banking 101

4

VS.

KeyCorp Public

Source: Pew Internet & American Life Project, Pew Internet Mobile Community (April 2015)

Adoption of mobile

technology among

American adults has hit

an all time high

Why Mobile? Why Now?

5

*Source: Pew Internet & American Life Project, Technology’s Impact on Workers (2014)** Source: Strategic Role of Treasury Survey, Report of Survey Results (2014)

Why Mobile? Why Now?

6

Paired with consumer

trends, changes in

the corporate landscape

are emphasizing the need for Corporate

Mobile Banking

solutions

7

Source: Aite Group Impact Note - Mobile Banking: The Corporate Treasurer’s Perspective, Sept 2014

Source: Aite Group Survey of 32 of the top 50 U.S. banks, June 2013

1/3of the top 50 banks have launched a corporate mobile banking solution

Approximately

Banking’s Response

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Corporate Treasurers’ Response

I have already adopted corporate mobile solution

11%

I have concerns about mobile security 5%

I have some concerns about mobile security but feel the benefits outweigh the concerns and will likely

adopt it 60%

I am not at all concerned about mobile security and will likely

adopt corporate mobile banking

24%

Source: Aite Group’s panel of 45 corporate treasures, May 2014

Despite trends suggesting its inevitability, adoption is slow.

Only

11%

of the treasurers surveyed indicated that they are using a corporate mobile banking solution

9

Corporate Treasurers’ Response

Source: 2013 AFP Conference Survey Results 10

Corporate Treasurers’ Response

Concerns over Corporate Mobile Security2010 and 2014 Corporate Treasurer Surveys

A recent survey by Aite Group suggests that security is NOT the main barrier to adoption

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Benefits for the Corporate Treasurer

Have you or one of your colleagues ever said …

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Benefits for the Corporate Treasurer

The Corporate Mobile Banking Equation

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More Channels Options

Reduced Fraud LossFaster

Access to Information Reduced Bank

Penalty Fees

Reduced Supplier Terms

Increased Control & Security

Important Functionality To Look For

13

• User Services• Password Resets• User Adds/Removals

• Payment Approvals• ACH • Wire

• Account Balances

• Intraday/ Previous Day Reporting

Information Reporting

• Wire Template Initiation

• Book Transfers

Money Movement

Approval Workflows

• Positive Pay• ACH• Check

Time Sensitive Exception Processing

When looking at corporate mobile banking solutions, look for the following security factors:

Corporate Mobile Banking Security Features

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Corporate Mobile Security Best Practices

Educate yourself and your employees about security best practices that you can take to prevent threats on mobile devices.

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Corporate Mobile Banking Client’s Perspective

Jaime CannonCFOTerreno Realty CorporationCurrent Key Total Treasury Mobile Client

“… KTT MOBILE GIVES ME PEACE OF MIND. I KNOW MONEY HAS BEEN

TRANSFERRED WHEN AND WHERE IT NEEDS TO BE, AND I HAVE REAL-TIME

ACCESS TO OUR ACCOUNT BALANCES. IMPORTANTLY, IT PROVIDES TERRENO

REALTY WITH THE FLEXIBILITY WE NEED TO DO BUSINESS AND GROW….”

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What does the future look like?

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QuestionsQuestions

Questions

Questions

Questions

Questions

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