1

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2

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3

Waah! Waah! Waah!

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4

Sh*ft!INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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Sh*ftHappens

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7

“The most important financial innovation that I have seen in the past 20 years is the automatic teller machine…”

PaulVOLCKER

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“The most important financial innovation that I have seen in the past 20 years is the automatic teller machinethat really helps people and prevents visits to the bank and it is a real convenience.”

A radical and pervasive change in society and the social structure, especially one made suddenly.

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9

"Hmm, @fredwilson thinks that financials services disruption is the next huge market to be taken.” @jhersco

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1Sh*ftStorm

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12

Sh*ft just got real…

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16

10%of all the deposits “are now done through mobile devices as people carry a branch in their pocket.”

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BrianMOYNIHANBank of America

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2012 2017

$12.8 billion

48%CAGR

$90 billion

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18

“When I go to Silicon Valley…they all want to

eat our lunch. Every single one of them is going

to try.”

JamieDIMONJPMC ChairmanINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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19

Digital Wallets

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11%Of Americans have

tried mobile walletsForrester Research

91%Of mobile phones are

within hands reach 100% of the time

IBM

2%Of all transaction are conducted on mobile

Forrester Research

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23

"Digital wallets, at this point in time, are solutions looking for problems.”Sucharita

MULPURUForrester

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24

‘‘The digital wallet is the linchpin for everything we do, but it’s interesting, because consumers aren’t asking for them.’’EvenHILL FERGUSONPayPal, Chief Product Officer

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2525 INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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#ShIftHappens

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@sammaule

@InspiredByCG

#ShIftHappens

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#ShIftHappens

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31

2Fullof Sh*ft

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#ShIftHappens

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#ShIftHappens

3333

“Connecting products to the web will be the 21st century electrification.”Matt

WEBBCEO of Berg Cloud

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3434

Wearables 2014: Think EVOLUTION NOT REVOLUTION

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3535

“Google Glass is so futuristic it’s like wearing a Segway on your face.”

MattNOVAK

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“The SMART Home’s Trojan Horse.”

Gizmodo

3737

"The blend of physical/digital isn't Oculus Rift - it's people using devices in-store while they consider products.”

DonaldCHESTNUT

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#ShIftHappens

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BeaconsThe gateway drug for the Internet of

Everything

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#ShIftHappens

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#ShIftHappens

) ) ) ) ) )

) ) ) ) ) )

) ) ) ) ) )) ) ) ) ) )

) ) ) )

) )

) ) ) ) ) )

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3Sh*fthits the fan

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#ShIftHappens

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4444

70million

$100million

40million

46%$200

million

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@sammaule

@InspiredByCG

#ShIftHappens

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@sammaule

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#ShIftHappens

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@sammaule

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#ShIftHappens

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#ShIftHappens

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143,211

mobile20x 2012-

2013122 per week$11.6 million

Poneman 2013 “Cost of Cyber Crime Study”

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#ShIftHappens

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Biometrics

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#ShIftHappens

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#ShIftHappens

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@sammaule

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#ShIftHappens

1 Mobile2 IoT3 Security

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@sammaule

@InspiredByCG

#ShIftHappens

53

?INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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54

$43.7

billion >+

+INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

@sammaule

@InspiredByCG

#ShIftHappens

55

>$26

billion

$20 billion

INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

@sammaule

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#ShIftHappens

56

>$7.6

billion $8.9 billion

INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

@sammaule

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#ShIftHappens

57

>$4.5

billion $4.4

billion

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@sammaule

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#ShIftHappens

58

$150.6billion

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@sammaule

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#ShIftHappens

59

?INSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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?1 Mobile2 IoT3 Security

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@sammaule

@InspiredByCG

#ShIftHappens

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Worth a Sh*ft

62

Know your Sh*ft

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Sh*ft Happens

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65

Sh*ft Happened

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“Even if you are on the right track you will still get run over if you don’t keep moving.”

WillRodgers

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#ShIftHappens

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Q AINSPIRED TO HELP YOU SUCCEED ©2014 Carlisle & Gallagher Consulting Group. Proprietary and Confidential.

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