ABOUT ACCENTURE Accenture is a leading global professional services company, providing a broad range of services and solutions in strategy, consulting, digital, technology and operations. Combining unmatched experience and specialized skills across more than 40 industries and all business functions—underpinned by the world’s largest delivery network—Accenture works at the intersection of business and technology to help clients improve their performance and create sustainable value for their stakeholders. With approximately 425,000 people serving clients in more than 120 countries, Accenture drives innovation to improve the way the world works and lives. Visit us at www.accenture.com. This document is produced by consultants at Accenture as general guidance. It is not intended to provide specific advice on your circumstances. If you require advice or further details on any matters referred to, please contact your Accenture representative. This document makes descriptive reference to trademarks that may be owned by others. The use of such trademarks herein is not an assertion of ownership of such trademarks by Accenture and is not intended to represent or imply the existence of an association between Accenture and the lawful owners of such trademarks. NOTES 1 Jeremy Finch, “What is Generation Z, and What Does it Want?,” May 4, 2015, retrieved on August 31, 2017 at https://www.fastcompany.com/3045317/what-is-generation-z-and-what-does-it-want Bank of America, “Trends in Consumer Mobility Report,” Summer 2017, retrieved August 31, 2 2017 at https://promo.bankofamerica.com/mobilityreport/assets/images/BOA_2017-Trends-in- Consumer-Mobility-Report_Wave2_FINAL_8_2.pdf Accenture, “Mobile Wallets Poised for Growth: Findings from Our Latest Research Study,” April 3 2017, http://www.firstannapolis.com/articles/mobile-wallets-poised-for-growth-findings-from-our- latest-research-study?status=success (First Annapolis is now a part of Accenture) These percentages reflect a base of consumers who use a rewards card as their primary payment 4 card and ranked “large up-front sign-up bonus” and “higher value for purchases” among their top two reasons to switch their card. 5 https://www.zellepay.com/partners Ashlee V ance, “How Two Brothers Turned Seven Lines of Code into a $9.2 Billion Startup,” August 6 1, 2017, retrieved August 31, 2017 at https://www.bloomberg.com/news/features/2017-08-01/how-two-brothers-turned-seven-lines-of- code-into-a-9-2-billion-startup The Nilson Report, October 2016/Issue 1096, retrieved August 31, 2017 at 7 https://www.nilsonreport.com/publication_newsletter_archive_issue.php?issue=1096 Capital Performance Group and American Bankers Association, “2017 Payments Strategy Survey,” 8 retrieved on August 31, 2017 at https://www.aba.com/Tools/Function/Payments/Documents/2017- Payments-Strategy-Survey.pdf Copyright ©2017 Accenture. All rights reserved. Accenture, its logo, and High Performance Delivered are trademarks of Accenture.