In this webinar we will be talking to Sam Maule, Consulting Manager at Carlisle & Gallagher Consulting Group, to identify and discuss the issues that are influencing a change in consumer attitudes to and adoption of payment channels. We’ll also be taking a look at the drivers behind innovation in payments and how both traditional and non-traditional payment ecosystem players are responding. Sam Maule serves as a Consulting Manager at Carlisle & Gallagher Consulting Group. He joined the firm in June 2011 focusing on the Cards & Payments Community of Practice. In this role, Sam provides industry subject matter knowledge and experience to CG's Financial Services clients in support of projects such as Consumer and Commercial Card portfolio management, emerging payments, Loyalty & Prepaid, and online/mobile banking. Prior to joining CG, Sam held management positions with TSYS in a number of Consumer and Commercial Card areas, including digital card management, mobile, loyalty & prepaid, and consultative services. Sam is an active voice in the FinTech Social Media space, and his contributions led to his recognition as one of Bank Innovation's 2013 Banking Innovators To Watch.

1. 1
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3. 3
Waah! Waah! Waah!
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4. 4
Sh*ft!
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6. 6
Sh*ft
Happens
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7. 7
“The most important
financial innovation
that I have seen in the
past 20 years is the
automatic teller
machine…”
Paul
VOLCKER
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@sammaule
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“The most important
financial innovation
that I have seen in the
past 20 years is the
automatic teller
machine
that really helps people
and prevents visits to
the bank and it is a real
convenience.”
A radical and
pervasive change in
society and the social
structure, especially
one made suddenly.
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9. 9
"Hmm, @fredwilson
thinks that financials
services disruption is
the next huge market
to be taken.”
@jhersco
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11. 11
Sh*ft
Storm
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12. 12
Sh*ft just got real…
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16. 16
10%
of all the deposits
“are now done
through mobile
devices as people
carry a branch in
their pocket.”
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Brian
MOYNIHAN
Bank of America

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2012 2017
$12.8
billion
48%
CAGR
$90
billion
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18. 18
“When I go to
Silicon Valley…they
all want to eat our
lunch. Every single
one of them is going
to try.”
Jamie
DIMON
JPMC Chairman
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19. 19
Digital Wallets
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22. 22
11%Of Americans have
tried mobile wallets
Forrester Research
91%
Of mobile phones are
within hands reach 100%
of the time
IBM
2%Of all transaction are
conducted on mobile
Forrester Research
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23. 23
"Digital wallets,
at this point in time,
are solutions
looking for
problems.”
Sucharita
MULPURU
Forrester
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24. 24
‘‘The digital wallet is
the linchpin for
everything we do,
but it’s interesting,
because consumers
aren’t asking for
them.’’
Even
HILL FERGUSON
PayPal, Chief Product Officer
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31. 31
Full
of Sh*ft
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33. 33
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“Connecting products to
the web will be the 21st
century electrification.”
Matt
WEBB
CEO of Berg Cloud
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34. 34
34
Wearables 2014:
Think EVOLUTION
NOT REVOLUTION
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35. 35
35
“Google Glass is so
futuristic it’s like
wearing a Segway on
your face.”
Matt
NOVAK
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36INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
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“The SMART Home’s
Trojan Horse.”
Gizmodo

37. 37
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"The blend of
physical/digital isn't
Oculus Rift - it's people
using devices in-store
while they consider
products.”
Donald
CHESTNUT
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39. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.39
Beacons
The gateway drug
for the Internet of
Everything
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))))))
) ) ) ) ) )

41. 41
41INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
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42. 42
Sh*ft
hits the
fan
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44. 44
44
70
million
$100
million
40
million
46%
$200
million
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
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#ShIftHappens

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48. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.48
143,211 mobile
20x 2012-2013
122 per week
$11.6 million
Poneman 2013 “Cost of Cyber Crime Study”
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49. INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.49
Biometrics
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52. 1 Mobile
2 IoT
3 Security
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@sammaule
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53. 53
?
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54. 54
$43.7
billion > +
+
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55. 55
>
$26
billion
$20 billion
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56. 56
>
$7.6
billion $8.9
billion
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57. 57
>
$4.5
billion
$4.4
billion
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58. 58
$150.6
billion
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#ShIftHappens

59. 59
?
INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.
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60. 60
?
1 Mobile
2 IoT
3 Security
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Worth
a
Sh*ft

62. 62
Know
your
Sh*ft
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64. 64
Sh*ft Happens
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65. 65
Sh*ft Happened
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66. “Even if you are on the
right track you will still
get run over if you
don’t keep moving.”
Will
Rodgers
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