Citizens Financial Group, Inc. · NYSE:CFG
Citizens Financial — Made Ready For the Future Webinar Series (June 2025)
15 slides from Citizens Financial's conference presentation, Jun 24, 2025
Slide 1: Solving for Speed and Security in Payments
2025 Payment Trends SOLVING FOR SPEED AND SECURITY IN PAYMENTS PRIVATE & CONFIDENTIAL ©2025 Citizens Financial Group, Inc. All Rights Reserved 1
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
Slide 3: Agenda | 2025 Payment Trends
AGENDA| 2025 PAYMENT TRENDS •Introductions •Citizens 2025 Payment Trends – Key Findings –The Shift to Instant Payments –Fraud Concerns for Businesses –Transition to an All-Digital Payment Future –Strong Interest in Embedded APIs –Deploying AI in Payments •Resources •Q&A ©2025 Citizens Financial Grou
Slide 4: Meet Our Panel | 2025 Payment Trends
MEET OUR PANEL | 2025 PAYMENT TRENDS ©2025 Citizens Financial Group, Inc. All Rights Reserved 4
Slide 5: The Shift to Instant Payments
TRADITIONAL THE SHIFT TO VS INSTANT EMERGING PAYMENTS PAYMENT TYPES SURVEY QUESTION: Which of the following payment methods does your company currently use? Base: Total (2025 N=315) ©2025 Citizens Financial Group, Inc. All Rights Reserved 5
Slide 6: Fraud Concerns for Businesses
TRADITIONAL FRAUD CONCERNS VS EMERGING FOR BUSINESSES PAYMENT TYPES SURVEY QUESTION: Had your company been impacted by fraud in the last year? Base: Total (2025 N=315) ©2025 Citizens Financial Group, Inc. All Rights Reserved 6
Slide 7: Correlation Between Fraud and Checks
TRADITIONAL VS CORRELATION BETWEEN EMERGING FRAUD PAYMENT AND CHECKS TYPES ©2025 Citizens Financial Group, Inc. All Rights Reserved 7
Slide 8: Transition to an All-Digital Payment Future
TRANSITION TO AN ALL-DIGITAL PAYMENT FUTURE SURVEY QUESTION: If/when does your company plan to transition away from checks to exclusively digital payments? Base: Total (2025 N=315) ©2025 Citizens Financial Group, Inc. All Rights Reserved 8
Slide 9: Strong Interest in Embedded APIs
STRONG INTEREST IN EMBEDDED APIs SURVEY QUESTION: Is your company currently using APIs from your financial institution to embed payment processes into your Enterprise Resource Planning (ERP) or other systems? Base: Total (2025 N=315) ©2025 Citizens Financial Group, Inc. All Rights Reserved 9
Slide 10: Deploying AI in Payments
DEPLOYING AI IN PAYMENTS SURVEY QUESTION: Which of the following ways is your company utilizing AI with respect to payment operations? Base: Total (2025 N=315) ©2025 Citizens Financial Group, Inc. All Rights Reserved 10
Slide 11: Resources: 2025 Payment Trends
RESOURCES: 2025 PAYMENT TRENDS Read the full 2025 Payment Trends report: CitizensBank.com/PaymentTrends ©2025 Citizens Financial Group, Inc. All Rights Reserved 11
Slide 12: 2025 Payment Trends Q&A
Made Ready For the Future Webinar Series 2025 Payment Trends Q&A Type your question in the chat box, located at the bottom right-hand corner of the Webex window. ©2025 Citizens Financial Group, Inc. All Rights Reserved 12
Slide 13: Share Your Feedback
SHARE YOUR FEEDBACK | 2025 PAYMENT TRENDS Scan the QR code below to share your opinion on today’s webinar: ©2025 Citizens Financial Group, Inc. All Rights Reserved 13
Slide 14: Disclosure | 2025 Payment Trends
DISCLOSURE| 2025 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/or one or more of its subsidiaries, including Citizens Bank, N.A., and Citizens JMP Securities,
Slide 15: ©2025 Citizens Financial Group, Inc. All Rights Reserved
©2025 Citizens Financial Group, Inc. All Rights Reserved 15
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