CONNECTED MOBILE CONVENIENT AConnectedExperience WhileestimatesshowthatinU.S. households, over 40%ofrecurring bills are paid automatically and two- thirds of all consumers with recurring bills utilize an automatic paymentoption,aconnected experienceismorethanjustan automatedon In scenarios where consumers have more than one bill or payment that is connected to another bill or payment—take healthcare or utility bills as prime examples—logging in and out of separate systems to make individual payments creates friction, reduces convenience, and presents a less-than-ideal interaction for a consumer that is highly motivated to receive an experience. In the retail space, as a consumer shops for groceries on their mobile device, on a designated grocery app, they are presented with suggested products based on past purchases.