Optimize Your Mobile Bill-Pay Experience presented by Jerry Portocalis Senior Vice President, Paymentus Utility Payment Conference

Mobile devices are now ubiquitous … but mobile payments are not TODAY Smartphone/Tablet Growth Mobile Payments Growth

Inconsistent Mobile Experiences When you have something productive to do online … what device do you prefer? Studies have shown that productivity tasks take twice as long to complete with a tablet than a laptop. Poor/uncertain experiences have lowered user’s expectations for mobile.

Overcome mobile uncertainty The Path Forward Build customer confidence w/ a great on-line experience w/ integrated messaging Deliver useful mobile features Responsive mobile web Downloadable mobile apps Text payments Mobile bill presentment Ensure high usability

Your Web Site Experience A compelling on-line experience builds trust with your customers! Offer Useful features Integrated mobile messaging (Email, Text Message, Voice) Auto payments Paperless billing Consumption graphs Bill histories Must be Easy-to-Use Have you done enough to overcome the stigma of mobile’s inconsistent usability perceptions?

Mobile Web Does your web site deliver a similar experience on every size device?

Mobile Web Responsive Design delivers an optimal experience regardless of the screen size.

Perceptions / challenges of Mobile Apps Some folks prefer the stability of downloadable apps Leverage the major Mobile Platforms to offer another bill-pay channel Continue to deliver a consistent experience with your other channels Perceptions / challenges of Mobile Apps Privacy concerns Hassle to locate and download a mobile app Limited feature set

80% of adults in the U.S. use text messaging. Pay by Text For your customers, text messaging can be an amazingly simple way to – Get a balance Approve a payment by credit card or bank account Receive a courtesy reminder of a late balance Receive outage information 80% of adults in the U.S. use text messaging. --Pew Research--

Mobile Bill Presentment Deliver a consistent, paper free experience across mobile channels View and pay a bill on Mobile Web View and pay a bill on a downloadable Mobile App View and pay a bill directly from emails Receive balance and make a payment by text Deliver valued features that are convenient for customers and reduce reliance on paper print and mail.

Net New Demographics: Mobile reaches New Users 47% of adults making <$30,000/yr own a smartphone* 34% of mobile users go online mostly through their phones* There are many mobile only customers Mobile reaches New Users *Pew Research 2014

Usability Do not compromise on usability Only “go live” with functionality that is done very well Provide valued features and a consistent experience across all bill-pay channels

Jerry Portocalis Senior Vice President, Paymentus (980) 255-3000 jportocalis@paymentus.com