2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

One Connection - A World of Opportunities

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Stephen Hart

ATMIA Madrid 2018

Transaction Network ServicesChanging Consumer ATM Habits &

Addressing Them For Success

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

About Transaction Network Services

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3M+POS

Terminals Connected

108K+ATMs Managed

27B+Annual POS TransactionsTransported

~2,100Financial

Community Endpoints 700+

Financial Services Companies

200M+Cequint-Enabled

MobileDevices

500+Telecom Operators

TNS is a global specialist in building and operating highly available, secure,

reliable and cost efficient Managed Service Payment Networks

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Our research

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We asked 1,000 people each from

the UK, Spain and Poland to give

their views….the results are on the

following slides

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Debunking the myth

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Cash is Dead

Young people do not carry cash

ATMs are a Dated Solution

People want to manage

payments on their mobile device

Cash is the Currency of Crime

How realistic is this?

The Cashless Society

The Nordic example

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Ignore the headlines – what are consumers saying*

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It is important that I usually have access to cash

*TNS commissioned a UK, Spain and Poland International Omnibus Survey by Kantar TNS in August 2018 which covered 1,051 UK adults, 1,050 Spanish adults and 1,004 Polish adults

82% agree 93% agree 91% agree

of 16-24 year olds agreed

80-87%

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

…..but before we bury our heads in the sand

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With the wider acceptance of card and alternative payments today,

cash has become less important to me

of 35-44 year olds agreed in Spain and the UK

66%57% agree 62% agree 74% agree

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Addressing the risk

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First of all we need to make sure that our house is in order

88% happy

with the number

of ATMS

73% agree 75% agree

people agreed that ATM availability was good

Almost 9 out of 10

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Addressing the risk

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49% agree 49% agree

If an ATM is out of service this deters me from using it in the future

49% of 25-34

years olds agreed

people would think twice about returning to an ATM after finding it out of order

Almost 4 out of 10

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

What else is important

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75% agree 65% agree

I am happy to use an ATM abroad

63% agreed

people are happy to withdraw foreign currency at the ATM

More than 5 out of 10

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Are we missing a trick or two though?

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I would use an ATM if it had more/alternative services available on it

67% of consumers

aged 25-34 agree

79% agree 62% agree

of people are happy to purchase lottery tickets at the ATM

Almost half

2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Cardless cash withdrawals

• Delivers convenient access to

cash at a location and time that

suits the customer

• Drives new ATM revenue

• Reaches the unbanked and

increase financial inclusion

• Almost half of all ATM users said that

they would feel more secure using this

service than accessing cash via a card!

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2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.2018 © All rights reserved. Confidential and proprietary to Transaction Network Services, Inc. and/or its affiliates.

Summary

▪ Headlines regarding the demise of cash are premature

– More than 80% of consumers asked said access to cash was important to

them

▪ Spending habits are changing but choice is important

– Alternative payment choice is important – but 1 in 3 still use cash as much

as ever

▪ We all need to keep on top of service

– We lose more than one days transactions if the ATM is out of service your

choice of partner is important

▪ Customers want to do more with us – so let’s empower them to do so!

▪ Headlines regarding the demise of cash are premature

– More than 80% of consumers asked said access to cash was important to

them

▪ Spending habits are changing but choice is important

– Alternative payment choice is important – but 1 in 3 still use cash as much

as ever

▪ We all need to keep on top of service

– We lose more than one days transactions if the ATM is out of service your

choice of partner is important

▪ Headlines regarding the demise of cash are premature

– More than 80% of consumers asked said access to cash was important to

them

▪ Spending habits are changing but choice is important

– Alternative payment choice is important – but 1 in 3 still use cash as much

as ever

▪ We all need to keep on top of service

– We lose more than one day’s transactions if the ATM is out of service your

choice of partner is important

12

Thank you

Stephen HartSenior Business

Development Manager

Lisa SuttonSales Director UK & Ireland

Selina ClaySenior Account Manager

Web: tnsi.com