IB ADVERTORIAL SPOTLIGHTRTORIAL SPO SPECIAL SECTION Business. Innovation. Growth. Digital is Not an Option Challenge: The ongoing digital revolution has created an expectation that bank customers should be able to access their accounts from anywhere and at any time. How can community banks meet these expectations as consumers shift more payments from plastic and paper to digital? Solution: FIS™ Commerce Application helps provides an innovative, secure and seamless mobile payments application. It's designed to promote engagement and attract the next generation of customers. Payments innovation is moving at an accelerated pace with mobile as the life companion for consumers. As your trusted partner, FIS to help community bankers keep up with the fast shift to a mobile-first strategy. Missed Opportunity Digital is now the primary way customers connect to their community banks, per the FIS 2017 Community Bank Pace Study. 73 percent of all consumer bank interactions are digital, with digital payments rising across all population segments. Importance of digital payment options 73% of all consumer bank interactions are digital. Yet community banks are falling short in their mobile banking efforts. They lag the adoption rate of U.S. consumers by a significant margin-17 percentage points, which has limited the ability of community banks to attract and retain millennials and Gen X. Mobile Banking Penetration