Diebold’s New InnovationsDiebold’s New Innovations: Mobile Services George Eubank, Sr. Business Development Manager, Mobile Agenda •Background •Video of Millennial ATM Concept

Diebold’s New Innovations:

Mobile Services George Eubank, Sr. Business Development Manager, Mobile

Agenda

• Background

• Video of Millennial ATM

Concept

• Card Command

• Cardless ATM Transactions

• Mobile Wallet

• Mobile Payments Landscape

• Questions

George Eubank, Sr. Business Development Manager, Mobile

Background

• Been involved in Mobile Banking since inception

• Worked for Firethorn as one of the first Sales people

• Firethorn enabled Mobile Banking for the likes of USAA, SunTrust, Citi,

Wachovia, Bancorpsouth and many others

• Firethorn was acquired by Qualcomm for $210M – nearly 200 X earnings

• Developed early fraud warning system for Banamex using SMS

• Worked for Corfire (aka SK C&C USA a subsidiary of SK Holdings)

• Stood up the first commercially available TSM in North America

• Dunkin Donuts app

• Many wallets that will debut in 2013 worldwide

• At Diebold I set Mobile Initiatives and Strategy

• Help Fis with their Mobile Strategy

• Enable Mobile Banking

• 4 providers

• Pilots with Cardless ATM Transactions

• Pilots with Diebold Mobile Wallet

Diebold’s Millennial Inspired ATM Concept

Video

Driving Multi-Channel Services

MobiTransact Card Command

• Ability to turn “on” and “off”

ATM/Debit/Credit Card

• Effective Consumer Fraud Tool

• Register Card via Mobile App

• Card Number

• Expiration

• Billing Zip Code

• 4 Digit Code (ATM)

• Fully customizable time and

frequency limits

• Default status is “off”

• Interface lives outside MB login

• Use tokenization in the cloud

• Stand alone or integrated app

• Available for Droid or iPhone

• Next iteration

• Ability for consumer to

control ATM/POS limits

within the FIs parameters

Driving Multi-Channel Services

MobiTransact Card Command

Driving Multi-Channel Services

ATM Cardless Transactions

• ATM Transactions without using an

ATM/Debit Card

• Pre-register phone and card

• Open app and initiate a Cardless

Transaction

• Enables the smartphone’s camera

• Dynamic one-time use QR code

• Can be used solely as an

authentication tool…or

• …Pre-stage transactions saving

consumers time

• FI has the ability to customize to

balance security and U/X

• Stand alone or integrated app

• Use tokenization in the cloud

• Eliminates Skimming

76%

24%

Players

Google Wallet

Google Wallet

Pre-paid card issued by Meta Bank

TSM services through First Data powered by Corfire

Citi Card

MasterCard

Samsung phone

Sprint network

Droid operating system

Whose customer am I?

Opportunities for Revenue* Generation…FINALLY!!

Mobile Wallet

Gift Card Issuance*

Expedited Bill Payment*

Account Opening*

Offer Delivery*

Offer Acceptance/Clipping*

Offer used*

Send Money*

Insurance Quotes*

Payments

NFC

Cloud

Barcode

Ticketing

Card Command

Cardless ATM

Rewards/Loyalty

76%

24%

Players

Mobile Payments Landscape

MCX – Merchant Customer Exchange

ISIS – JV between ATT, VZ and T-Mo (NFC)

Google Wallet – Google pre-paid, Citi (NFC)

PayPal – wallet making huge play into merchants (Cloud)

Apple Passport – consolidated wallet for existing apps (Barcode)

Rogers – MNO in Canada (NFC)

Vodaphone - 2nd largest MNO in the world (NFC)

Apps – Starbucks, Dunkin Donuts, etc.

Square – wholesale change for Merchant Services

Bottom Line:

Consumers OVERWHELMINGLY will trust their financial institution

for wallet services

Banks, Credit Unions, Banking Associations, CU Leagues are all

asking Diebold what we are doing around Mobile Wallet Services

Fis are staring at a HUGE OPPORTUNITY

Mobile Payments are Everywhere!

In the News

• US Mobile Payments Expected to Reach $90 Billion by 2017

• Forrester: mobile payments to see 48% CAGR through 2017 ...

• NFCNews | Mobile payment market to reach 400 million users by 2016

• Chinese mobile payments to soar in 2013

• eBay sales up as mobile payments boom

• NRF Recap, Day One: PayPal's New Deals Steal The Show

• Green Dot Launches Mobile-Only Bank Account

• ETA to offer award to most innovative payment startup

• RIM Gets Approved by Visa for NFC Mobile Payments

• US Bank tests mobile payments with NFC-enabled iPhone case ...

• Mobile Payments' Cashless Utopia Is Not Coming Anytime Soon

• Payments Council pushes mobile payments back another year

• State Of The Bank: Age-Old Industry Is Losing Grasp On Consumers

• “Banks, carriers, and device manufacturers see enormous potential in mobile payments, and are

charging headlong into a war to own the transaction. Jumping into mobile payments now means

going head-to-head with Google Wallet, Isis, and other established players and startups. The

problem is that they’re all fighting for the wrong thing. The truth of this is evidenced by the simple fact

that no one is begging for the newest and best mobile payments solution. Google Wallet adoption

has been stagnant, and payment platforms from banks are little more than a way to wire money.”

Diebold Confidential Information

Market Opportunity MobiTransact Features Integration

Questions?

[email protected] 404-626-7425 mobile…of course