PPT Slide
#6 As payments move to real-time, hybrids with batch will provide transition
#7 Card and Deposit Banking will re-converge thru consolidation and stored value
#9 Mobile applications may hold the key to online debit
#8 Bank and card consolidation at the very top and bottom
#10 IB price decline slows, Billpay goes thru a similar cycle
Need to develop and/or partner to manage risk
Exploit our dual card and deposit banking capabilities
Develop as another source of differentiation with cores
Diversify, grow base, focus on mid-size and protect them
Focus on margin and add premium products