Citizens Financial Group, Inc. · NYSE:CFG

Citizens Financial — Made Ready For the Future Webinar Series (2024)

15 slides from Citizens Financial's conference presentation, 2024

1. Slide 1: 2024 Payment Trends

   Made Ready For the Future Webinar Series 2024 PAYMENT TRENDS PRIVATE & CONFIDENTIAL ©2024 Citizens Financial Group, Inc. All Rights Reserved 1

2. Slide 2: Disclaimer

   DISCLAIMER Neither Citizens Financial Group, Inc., nor any third parties represented on this webinar are undertaking to provide any advisory or legal advice in connection with this report – any party receiving this communication must rely on its own expert advisors, legal counsel or other similar ad

3. Slide 3: Agenda | 2024 Payment Trends

   AGENDA| 2024 PAYMENT TRENDS •Introductions •Citizens 2024 Payment Trends – Key Findings –The Evolving Payment Mix –Instant Payments Utilization –Where Companies are Turning for Payment Capabilities –Digital Payment Adoption •Actions to Consider •Resources •Q&A ©2024 Citizens Financial Group, Inc. Al

4. Slide 4: Meet Our Panel

   MEET OUR PANEL | 2024 PAYMENT TRENDS MICHAEL CUMMINS TAIRA HALL Head of Treasury Solutions Head of Enterprise Payments Citizens Citizens MATT RICHARDSON MARIE ALOISI Head of Treasury Product EVP Commercial Business Solutions Healthcare and Industry Citizens Verticals, U.S. Mastercard ©2024 Citizens

5. Slide 5: Traditional vs emerging digital payment types

   TRADITIONAL DIGITAL PAYMENT VS EMERGING METHODS PAYMENT ON THE RISE TYPES On average, companies use four digital payment methods with B2C payment alternatives and instant payments being the most common. SURVEY QUESTION: Which of the following payment methods does your company currently use? Base: To

6. Slide 6: Traditional vs emerging instant payment types

   TRADITIONAL COMPANIES ARE VSADOPTING EMERGINGINSTANT PAYMENTPAYMENTS TYPES Among companies using instant payments, RTP edges out FedNow, but companies are using both. SURVEY QUESTION_A: What instant payment channels are SURVEY QUESTION_B: Does your company intend to use both your company using? Base

7. Slide 7: Companies turning to banks for fraud protection

   COMPANIES TURNING TO BANKS FOR FRAUD PROTECTION Confidence in banks appears to be restored in 2024 as companies are using banks at a higher proportion than in 2023 across 8 out of 10 transactional needs. SURVEY QUESTION: When thinking about the variety of transactional needs your business has – whic

8. Slide 8: Positive sentiment around payment digitization

   POSITIVE SENTIMENT AROUND PAYMENT DIGITIZATION Significantly more survey respondents agree that the move to digitization has refined cash flow forecasting and enhanced visibility and control. SURVEY QUESTION: When thinking about the move away SURVEY QUESTION: If/when does your company plan to from p

9. Slide 9: Actions to Consider

   ACTIONS TO CONSIDER Assess your Evaluate the Stay agile and payment use of physical adapt partnerships payments ©2024 Citizens Financial Group, Inc. All Rights Reserved 9

10. Slide 10: Resources: Read the full 2024 Payment Trends report

    RESOURCES: 2024 PAYMENT TRENDS Read the full 2024 Payment Trends report: CitizensBank.com/PaymentTrends ©2024 Citizens Financial Group, Inc. All Rights Reserved 10

11. Slide 11: 2024 Payment Trends Q&A

    Made Ready For the Future Webinar Series 2024 Payment Trends Q&A Type your question in the chat box, located at the bottom right-hand corner of the Webex window. ©2024 Citizens Financial Group, Inc. All Rights Reserved 11

12. Slide 12: Share your feedback

    SHARE YOUR FEEDBACK | 2024 PAYMENT TRENDS Scan the QR code below to share your opinion on today’s webinar: ©2024 Citizens Financial Group, Inc. All Rights Reserved 12

13. Slide 13: Disclosure

    DISCLOSURE| 2024 PAYMENT TRENDS This presentation, and any materials that accompany it (referred to collectively as this “Presentation”) has been prepared by Citizens Financial Group, Inc. (NYSE: CFG)(and its subsidiaries, including Citizens Bank, N.A., Citizens Capital Markets, Inc., and/or JMP Sec

14. Slide 14: Disclosure Continued

    DISCLOSURE CONTINUED| 2024 PAYMENT TRENDS Citizens Capital Markets, Inc. and JMP Securities LLC (as full-service securities firms) are engaged in securities trading and brokerage activities, and in providing investment banking, asset management, financing and financial advisory services and other co

15. Slide 15: ©2024 Citizens Financial Group, Inc. All Rights Reserved

    ©2024 Citizens Financial Group, Inc. All Rights Reserved 15

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