Host Airline

Host Airline

World Passenger Symposium 2016World Financial Symposium 2014

World Passenger Symposium

18 – 20 October 2016 JW Marriott Marquis – Dubai, UAE


Mega Digital Trends in the Next

3 Years


CIO Perspective

Gulf AirDr. Jassim Haji

Director Information Technology

Gulf Air

Gulf Air’s Digital Transformation

Presented by:

Dr. Jassim Haji

Director Information Technology

Gulf Air

IATA CIO Forum

Agenda

• Introduction: Beginning of the Digital Journey

• Gulf Air’s Cloud

• The Journey

• Achievements

• Applications

• IoT in the Cloud

• Cloud Security Challenges

• Cloud Security Controls

• Mobility Security Controls

The Journey of Digital Transformation• Gulf Air, as any other airline, is faced with

fierce competition

• The old way of doing business is no longer

working

• To prosper and flourish, Gulf Air had to

revolutionize processes and operations,

and venture into the digital era

• By harnessing innovation and new

technologies (e.g. Cloud Computing, Big

Data, Mobility, E-Enablement), Gulf Air has

managed to achieve more with less

• This has resulted in a superior passenger

service and experience

Gulf Air’s Cloud Journey (1/5)

Gulf Air realized the potential of service virtualization and started working since 2009

• To achieve this potential, Gulf Air had the following options:

• Public Cloud:

• Service provider makes resources available over the Internet

• May be free or offered on a pay-per-usage model

• Security, legality and control were concerns for Gulf Air

• Private Cloud:

• Addresses all security concerns since it is under

the full control of Gulf Air

• Hybrid Cloud:

• Harvests the benefits of both the Public and Private Clouds


In 2012, Gulf Air was one of the first airlines in the region to introduce

its Private Cloud

• The introduction of the Private Cloud helped in:

• Increasing agility and flexibility in meeting

business growth and demands

• Improving the response to the ever-changing

market demands

• Enhancing business efficiency

• Reducing the needed IT budget while

introducing new services


Gulf Air has also established a Business Continuity Center and Disaster

Recovery on the Cloud to facilitate:

• Business continuity of critical functions

• A greater agility and mobility

• Real-time replication

• Seamless failover to the recovery site

• Maintaining the same user experience

during a disaster


In 2014, Gulf Air expanded its Private Cloud to the Hybrid Cloud due to:

• Feasibility of hosting certain systems on the Private Cloud

• Complex and heavy transactional systems that need to be geographically distributed

• Systems that are based on collaboration of an industry

• Technology suppliers are moving their products to their cloud as a strategic

direction

• End users are provided with services seamlessly regardless whether they are in the

public or private clouds

• Expanding the cloud reach over mobile-based clouds through portable devices


Gulf Air based its Cloud technology and services on the following:

• VMware Virtualization

• Oracle Databases

• HP X86 Blade servers

• CITRIX Application Virtualization

• Load Balanced Internet Service via F5

• F5 Application Delivery Control

• EMC Software-Defined-Storage

• Veritas NetBackup

• McAfee End Point Security

• Lumension Patch Management

• TippingPoint Intrusion Prevention System

Gulf Air’s Cloud Achievements (1/5)

The implementation of the Cloud technology has enabled Gulf Air to:

• Reduce physical servers count by 35% (24% cost saving in capital expenditure

budget)

• Manpower repositioning by 30% and agility in IT teams

• Infrastructure software licenses avoidance (17% cost saving)

• Average age of server infrastructure reduced by70% with virtualization enabling retirement of older platforms

• Achieved 95% global connectivity to outstations

• Increased users mobility

• Improved customer satisfaction

• Ease of hardware/software upgrade

• Overall, it helped Gulf Air achieve 41% cost savings in

its capital expenditure budget


Data Center Modernization:

• Unique in being the first company in the region to adopt Oracle on the Cloud

• Gulf Air was the first organization in Bahrain to adopt Hybrid Cloud Computing

and one of the first airlines to embark on Private Cloud Computing initiatives

• Gulf Air has also included Disaster Recovery as part of the Cloud

• Moved from a bigger and complex Data Centre to a smaller, simpler and more

productive Centre


Data Center refresh cost saving:

• The projected cost for contracting a 3rd party to do the full job was $1 million

• Actual capital cost was $650,000 to build the data centre using Gulf Air expertise

and contract civil and electrical work to third parties

• Actual capital cost saving was $350,000

• Achieved operating cost reduction was 30%


Gulf Air is the first airline worldwide to obtain 5 different ISO

certifications, all due to the success of Gulf Air’s Cloud:

• ISO 27001 (Information Security Management System)

• ISO 9001 (Quality Management System)

• ISO 20000 (Service Management System)

• ISO 14001 (Environmental Management System)

• ISO 50001 (Energy Management System)

And Gulf Air is pursuing additional certifications:

• ISO 550000 (Asset Management System)

• ISO 22301 (Business Continuity System)

• Payment Card Industry Data Security Standard (PCI DSS)


Contribution towards Green IT:

• Decreased energy consumption by around 80% per server

• Reduced required Data Center space by 60%

• Reduced airflow by 30%

• 100+ servers were moved to the Cloud

• Moving one server is equivalent to removing 4 tons of

carbon dioxide (CO2) from the environment

or taking 1.5 cars off the road annually

Cloud Applications: Mobility

Building the Hybrid Cloud in Gulf Air has

paved the way towards mobility:

• Cloud provides ubiquitous services reachable

anywhere, ideal for mobile devices

• Enabling employees to perform business-

related activities on mobiles/tablets through

Cloud services

• Deployed business applications on the Cloud,

compatible with mobile devices

Cloud Applications: Electronic Flight Bag

Cloud mobility in the cockpit; Electronic Flight Bag (EFB) came to life via Gulf Air’s Hybrid Cloud and tablets:

• Eliminate papers and printing documents required for

operations, and rely on digital versions

• Have real-time performance calculation (take-off and

landing) to optimize fuel consumption

• Enhanced pilots’ productivity - faster to get updated

documents digitally anywhere, submit paperless reports

remotely and respond faster to flight changes

• Cost savings – eliminating printing around 500,000 paper

sheets per year

• Streamlined operations - EFB provides robust mobility,

quicker preparation for flights and improved on time

performance

Cloud Applications: Cabin Crew Tablets

Gulf Air has empowered their cabin crew with tablets to provide personalized and unique services to the passengers

• Provide flight and passenger information to the crew on

real time basis

• Eliminate printing manuals/forms with real-time update

• Enhanced productivity – Crew can receive flight briefing

package on tablets, conduct flight trainings remotely at

their convenience

• Unique Passenger Service – Crew has passengers profiles,

special meal requests, and seat assignments, this provides

personalized service and unique attention

• Streamlined operations – all flight operations forms (safety,

post flight feedback, special events) to be done digitally

and data centralized

Cloud Applications: Ground Staff Tablets

Gulf Air has also provided tablets to check-in agents and technical engineers to help them conduct daily operations

on the go

• Perform passengers check-in on the go through tablets and shorten long queues

• Agents can perform check-in without limitations of

available counters

• Engineers have access to electronic aircraft manuals and

references while they are performing maintenance on the

spot

• Engineers can fill electronic forms for pre-flight and

maintenance checklists on the spot which is stored and

centralized

Cloud Applications: Big Data (1/2)

The potential of Gulf Air’s Hybrid Cloud was leveraged to build a Big Data solution that collects and processes input from Social Media along with Arabic Sentiment Analysis

The solution made Gulf Air the first organization in the world to internally build and establish such a

customized solution that addresses the local

requirements as well as:

• Security and confidentiality issues

• Infrastructure costs

• Flexibility and scalability to process a huge amount

of data

Gulf Air’s Big Data was based on an open source solution that was setup on Gulf Air’s Private Cloud,

and integrated with Business Intelligence

Cloud Applications: Big Data (2/2)

Gulf Air achieved the below benefits with the Arabic Sentiment Analysis on Big Data which covers formal, colloquial and dialect varieties:

• Timely reporting of hot topics and areas of controversy

about Gulf Air

• Instead of manually analyzing hundreds of tweets per

day (which takes long hours), it is done in less than

a minute

• Public/customers’ sentiment reporting

• Quick corrective action on negative situations to

increase customer satisfaction

• Trend analysis of sentiments and topics over time

• Monitoring competitors and market situation/demands

Cloud Applications: IoT (1/2)

• IoT’s true potential is harnessed through:

• Sensors will aspire to manage and improve stress-points across the passenger’s journey.

• These sensors will be connected to all airport infrastructure components (baggage carousels, kiosks, bag-drop stations), passengers, staff and equipment at the airport and aircraft

• The data collected from these devices will then be analyzed by smart tools (i.e. Big Data and Business Intelligence) to provide insights about the passengers’ experience, service performance, optimal use and efficiency of operations of the aircraft

SENSORS ON

AIRCRAFTS

INFORMATION

TRANSMISSION

GATEWAY

AIRCRAFTS INTERNET

CLOUD

AIRLINE

Cloud Applications: IoT (2/2)

• Gulf Air has implemented Internet of Things (IOT) to

manage, track and control its aircrafts and other assets

• Gulf Air has built a solution to use aircraft sensors and

capture their data

• Data transfers through Gulf Air hybrid cloud from the

aircrafts to the datacenters

• Once the data is received, it will be loaded in a Big Data

solution

• Business Intelligence model has been built to transform the

data into relevant information which enables the business

to take timely and required decisions to improve

operational performance and fuel efficiency

Cloud Security Challenges

• Cloud is like a Pandora Box; inside is unknown and risk is involved

• Loss of Control

• Lack of Trust

• Concerns for Confidentiality, Integrity and Availability

• Concerns for Auditability and Investigations

• Always emerging new risks, e.g. ransomware

Cloud Security Controls

• Strict access management with Privileged Access Management

(PAM)

• Top Management Information Security committeemen,

(ISO27000 compliance and certification)

• Intrusion Prevention System (IPS) implementation

• A complete mobile access control with Mobile Device

Management (MDM)

• End-Point security solution was leveraged to allow only compliant

devices, thus protecting Gulf Air internal network from possible

threats (e.g. Bash and heart bleeding vulnerabilities)

Mobility Security Controls

Information Security measures implemented by Gulf Air on Cloud

Mobility:

• Addressing threats and vulnerabilities by controlling firmware updates, bug fixes and

releases over the Cloud

• Implemented Data Leakage Prevention solution

• Implementing Right Management Services solution to secure digital contents on

mobiles

• Enforcing portable devices policies to ensure physical device security

• Enforcing organizational password policies on users

Q & A


Salesforce and Artificial

Intelligence

Bart PannecoeckArtificial Intelligence Lead

Salesforce

AI for airlines and airportsUsing Salesforce Einstein

[email protected]

Bart Pannecoeck –

EMEA TTH Business Development Leader

A Smarter WorldEveryone and every thing is connected

Mainframe /Terminal

Client / Server

100Kmainframes

10MPCs

AI

IoT

Mobile

Social

Cloud

mobile phones

6B 75Bsmart things

We help airlines and airports to enter the “Age of the Customer” – examples

Personalized, seamless journeysBased on 360-degree passenger views

Rapid digitization and employee enablement

IoT based operational excellence

For consumers, AI is transforming how we connect

Automate ConnectionsDeep Learning

Connect 1-to-1Machine Learning

Connect FasterNatural Language Processing

Apple Amazon Facebook

Marc Benioff

Parker Harris

Einstein is built into the Customer Success Platform

Einstein

Lightningforce.com

HerokuAppExchange

Thunder

Sales Service Marketing AnalyticsCommunity Apps Commerce IoT

Predictive Analytics

Machine & Deep Learning

NaturalLanguage

Processing & Generation

ThunderMultitenant

Infrastructure

Development Platform

AI PlatformServices

Applications

Email, Calendar & Social Data

CRM DataIoT Events

Data Services

Fields

Objects

Workflows

Processes

Many use cases are live today in the travel sector and adjacent industries

Predictive lead scoring Effectively prioritize leads to optimize win rate using machine learning

AI use case Description Sample customer

Intelligent marketing Deeply segment and personalize marketing communication (incl., look alike modeling)

AI in customer service Intelligently reply to customers through social media using NLP

We are planning to increase our feature set and expand to force.com

Dreamforce

17 Einstein features

across 5 clouds

H1-2017

35+ Einstein features

across all cloudsEinstein platform

Customers and ISVs can extend or

build predictive apps

The “Force.com” of AI

DF17

AI for airlines and airportsUsing Salesforce Einstein

[email protected]

Bart Pannecoeck –

EMEA TTH Business Development Leader

thank y u

AI

Relationship Intelligence

Predictive Scheduling

Infrastructure Intelligence

Machine Learning

Deep Learning

MinHash

Search Intelligence

Sales Intelligence

DataDiscovery

eCommerce Intelligence

2015 2016

Leading

AI Experts

Analytics

We embarked on a journey to bring AI to CRM

The World’s Smartest CRM

Sales Cloud EinsteinPredictive Lead Scoring

Opportunity Insights

Automated Activity Capture

Service Cloud EinsteinRecommended Case Classification

Recommended Responses

Predictive Close Time

Commerce Cloud EinsteinProduct Recommendations

Predictive Sort

Commerce Insights

App Cloud EinsteinHeroku + PredictionIO

Predictive Vision Services

Predictive Sentiment Services

Analytics Cloud EinsteinPredictive Wave Apps

Smart Data Discovery

Automated Analytics & Storytelling

IoT Cloud EinsteinPredictive Device Scoring

Recommend Best Next Action

Automated IoT Rules Optimization

Community Cloud EinsteinRecommended Experts, Articles & Topics

Automated Service Escalation

Newsfeed Insights

Marketing Cloud Einstein

Predictive Scoring

Predictive Audiences

Automated Send-time Optimization

Square is a Customer Trailblazer

+

$36B in Gross Payment Volume

2M+ active sellers

712M card payments

Shop

Taylor CascinoHead of Sales

vRad is a Customer Trailblazer

+

>25k Einstein scans per week

-50% patient diagnosis time

1.5B radiology images annually

6.5M patient cases annually

<5 sec time needed to process classifications

Hospital

*based on beta test results

Helping patients get better, faster by prioritizing brain scans with Einstein

Fanatics is a Customer Trailblazer

+

4B emails sent per year

27K email campaigns per year

5 full-time CRM employees Chris OrtonChief Marketing & Revenue Officer


Blockchain in the Airline

IndustryJohn Velissarios

Senior Principal, Global Blockchain Technology Lead

Accenture

IATA World Passenger Symposium

Blockchain in the Travel Industry

Presented By: John Velissarios

Global Blockchain Technology Lead

18-20 October, 2016

Dubai, United Arab Emirates

Copyright © 2016 Accenture All rights reserved. 2

Distributed LedgerTechnology

Blockchain&Traditional

Data Technology

ProtectedAggregatein

FragmentedReplicated&

Can Be

Changed

Shared /

Mutualized

Encrypted by

Identity

Data is

ProtectedData Element

Level

at

ConsistentDurable&


Tokenized

Value TransferBlockchain Solutions

Sender Receiver

TokensTransferred

TokensTransferred


Shared DataBlockchain Solutions

MutualizedData



Bank / Card

Service Providers

Traveller

Online Travel

Agencies / Platforms

Airlines Car Rental

AgenciesHotels

Government

Casinos /

Cruise Lines

ImmigrationAirports

Travel Industry



Bank / Card

Service Providers

Traveller

Online Travel

Agencies / Platforms

Airlines Car Rental

AgenciesHotels

Government

Casinos /

Cruise Lines

ImmigrationAirports

Travel Industry


Reconciliation


TheFinancial Services

Ecosystem

‘Reconciliation’is based on

CCPBroker/Dealer

Firm (e.g. AM, HF, WM)

SellerBuyer

Broker/Dealer


Exchange

Matc

hS

ettle

d

Tra

de

Custodian

ExampleTraded

Exchange

$ Asset

$

Asset


With


CCPBroker/Dealer


SellerBuyer

Broker/Dealer


Exchange

Matc

hS

ettle

d

Tra

de

Custodian

Asset$

Bi-Lateral / Multi-Lateral

Platform Approach


With


CCPBroker/Dealer B

Firm B(e.g. AM, HF, WM)

SellerBuyer

Broker/Dealer A

Firm A(e.g. AM, HF, WM)

Exchange

Matc

hS

ettle

d

Tra

de

Custodian

From To What Access

Buyer Firm A $ Buyer, Firm A, Regulator

Firm A BD A $ Firm A, BD A, Regulator

BD A CCP $ BD A, CCP, Regulator

Etc.

CCP Hosted

Platform Approach


ClearingSettlement:&

Mutualized + TokenizedBlockchain

Settlement triggered at an

optimized point in time

DVP finalized through asset exchange

on a tokenized blockchain

Gross transactions visible on a

mutualized blockchain

Bank A Bank B

Bank A Bank BTokenized Assets

Transferred

Netting / Trade Compression

Transactions between parties

entered onto a mutualized

blockchain in real time, with no

settlement taking place


DLT / BlockchainSuitability

Multiple Validation

& Control Points

Digital Quality /

Lineage

Multiple

Actors

Reconciliation

Auditability


What Does It

In Production?Take to Make it Work


Key Architectural Choices

Throughput

• Read vs Write requirements, how does it need to scale?

Immutability

• How deal with ‘when it goes wrong’ as well as meet regulatory requirements?

Key Management

• How to issue, secure, refresh, and revoke keys?

On/Off Chain Persistence

• How to meet regulatory requirements for data?


Key Architectural Choices

Node Architecture

• What kind of nodes are needed? What does the network topology look like?

Query Store

• How to query the blockchain?

Business Logic / Smart Contracts – Where & How

• Where to run business logic? Does it make sense to distribute it? How to update it?

3457463455

3323336484

5728276259

Data Growth

• How to archive / purge without invalidating the chain?3457463455

3323336484

5728276259

Cross IndustryExamples

Many Blockchain Use Cases Are Emerging

Payments

Intra-bank Transfers

Corporate Payments

Cross Border Money Transfers

Smart Device Autonomous

Payments

Private Label Cryptocurrency

FX Exchange

Capital Markets

Optimized Clearing &

Settlement

Collateral Management

Syndicated Loans

Corporate Bonds

Custodial Management

Warrant Issuance & Trading

Trade Finance

Digital Letter of Credit

Letter of Credit Settlement

Automated Bill of Lading

Validation/Fraud Detection

Sensor Trigger Smart

Contracts

Custom Duties

Embedded Insurance

Insurance

Instant Claims

Disbursements

Reinsurance

Smart Adjusting Policies

Industry Fraud Utility

Subrogation Industry Utility

Peer to Peer Insurance

Customer Data

Credit Bureau

Health Care Records

Passports/ Visa

Criminal Records

Diplomas & Certifications

Employee Benefits

Property Management

Real Property

Sharing Economy Access

Content Distribution/

Access

Art

Commodities

Identity

Digital Identity

Global ID

Know Your Customer

Smart Device Identification/

Registration

Birth Records

Public Services

Cryptographic e-Voting

Digital Notary Service

Licensure

Asset Titles

Census & Population

Dynamics

Refugee Tracking


ActivityIndustry


June 2014 Dec.2014 Mar. 2015

Participated in a

$75 Mn Series C

funding for

Coinbase (Jan.

2015)

• Launched Crypto

Lab L39

• Areas of interest:

Payment, trading &

settlement, Smart

bonds

• Partnership:

Mentoring London

based FinTech

startups in

blockchain

Accelerator

program with

Safello , Atlas

Card & Blocktree

Partnered with

Safello in June

2015 to test

banking services

on blockchain

Started staffing

employees with BTC,

blockchain &

cryptocurrency expertise

3 systems within Citi that

deploy blockchain

Developed „Citicoin“

9 banks have joined

the R3 global

blockchain

partnership

Settlement & Clearing,

Private Market

Partnership:

Ripple Labs

Partnership:

Ripple Labs

Visa, Nasdaq, Citi and

other industry players

invested $30 million

in Chain.com

Developed “Cuber

Wallet“ an app

based on “Colored

Coins“ (June

2015)

Partnerships:

Coinbase &

CoinFloor

GBP 12Bn could be

saved in banks

infrastructure

Oct. 2013

Partnership:

Ripple Labs

Sep. 2014 Jan. 2015

13 more banks

joined the R3

blockchain

partnership

22 banks in total

Participated $4m to

Ripple Series A

funding round

May 2015

April 2015

July 2015

June 2015

Partnership:

Ripple Labs

Sep. 2015

Oct. 2015

http://chain.com/


Dec. 2015

Jan. 2016

Unites Industry leaders to advance

Blockchain Technology

Accenture, ANZ Bank, Cisco, CLS,

Credits, Deutsche Börse, Digital Asset

Holdings, DTCC, Fujitsu Limited, IC3,

IBM, Intel, J.P. Morgan, London Stock

Exchange Group, Mitsubishi UFJ

Financial Group (MUFG), R3, State

Street, SWIFT, VMware and Wells

Fargo.

Grows to 42

bank members

and looks to

extend reach

to the broader

financial

services

community

Eleven of the worlds largest

banks have successfully

completed a test using

decentralized ledger

technology known as a

blockchain hosted in

Microsoft Azure’s public

cloud platform.

Feb. 2016

Chosen by ASX for

next generation

clearing &

settlement.

Announces global

alliance with

Accenture.

Completes a test of

issuing, trading, and

redeeming

commercial paper

among 40 consortium

participants using five

different blockchain

solutions: Eris

Industries, Ethereum,

IBM, Intel and Chain

Mar. 2016

Announces

blockchain

exploration

Partnership

Commissioner

Giancarlo said

agency should

reexamine existing

rules as necessary

to foster innovation

with blockchain

technologies

DTCC calls a test for

CDS documentation on

blockchain by

JPMorgan and Cit a

success and is moving

into the next phase of

development to apply

the technology across

many CDS products.

Apr. 2016

Successful blockchain

experiment for regulatory

reporting of transactional

data. Indicates 20k TPS a

reasonable expectation.


2015

Exploration

& Investment

2016 – 2017

Early Adoption

2018 – 2024

Growth

2025

Maturity

CapabilitiesAccenture


with Blockchain

Accenture:

Hands-on experience Research &

Development

Global Alliance agreement

with Ripple Labs

Investor & Global Alliance

with Digital Asset Holdings

Global Start Up Evaluation

Process (120 start ups

Technically Reviewed)

Active Relationships with

Many and More in the

Pipeline

Projects Underway /

Completed

Central Banks

Investment & Retail

Banks

Exchanges / Clearing

Houses

Wealth Management

Firms

Regulators

Aerospace Industry

Clearing Solution

Development with an

Exchange / Clearing Firm

Payments POC with a

Regulator & Central Bank

Trade Finance POC with a

Global Investment & Retail

Bank

Education & Use Case /

POC Development with a

Global Bank

Cross Border FX

Remittance Payments

Global Research and

Development Team

US

UK

Greece

France (Tech Lab)

Switzerland

Czech Republic (Delivery)

Russia

4 POVS Issued to Date

Areas of focus: Blockchain

Software Development,

Capital Markets Technical &

Business Application,

Analytics, Payments &

Security

Open Innovation

Relationships

Example Client

Projects Pipeline of Projects

John Velissarios – Biography

Copyright © 2016 Accenture. All rights reserved.

John VelissariosSenior Principal

Global Blockchain Technology Lead

London, UK

Mobile: +44 777 540 6110

Office: +44 203 701 9201

[email protected]

John Velissarios – Senior Principal – Global Blockchain Technology Lead

John is an experienced expert Senior Principal in Accenture’s Technology Consulting

workforce, based in London. He is part of Accenture’s specialist security capability with over

19 years of consulting experience across multiple business and industry sectors. John has

worked in many geographies around the world bringing an international perspective to his

delivery teams and clients. John is currently leading several Blockchain engagements with

top tier global organisations.

John is Accenture’s Global Blockchain Technology Lead working with industry teams to

develop the firm’s global Blockchain delivery capability. John specialises in capital markets,

payments and financial services but also has many years of experience in other industries.

John returned from a long term leave of absence where he was the CEO of a Blockchain

start-up developing leading edge enterprise grade crypto-currency wallet solutions for

exchanges, hedge funds, banks and HNW individuals.

Prior to his leave, John was also the Europe Africa and Latin America lead for Accenture’s security strategy and risk services practice. The practice provides services in: payments security, fraud management, business continuity, data loss prevention and privacy, risk management, security strategy, and threat and vulnerability management.

John holds a B.Comp.Sci. and M.Comp.Sci. degree specialising in cryptography and information security. John is a full (founding) member of the Institute of Information Security Professionals, IISP - M.Inst.ISP.

24


Use Case of Blockchain

Greg SimonCEO & Co-founder Loyyal / Blockchain Advisor

Loyyal

Blockchain technology reinventing loyalty

Copyright © 2016 Loyyal

LOYYAL IS THE UNIVERSAL LOYALTY &

REWARDS PLATFORM, BUILT WITH

BLOCKCHAIN & SMART CONTRACT

TECHNOLOGY

By investing in us you get exposure to an already large industry.

*Sources: Colloquy and Loylogic

MARKET SIZE

The current Rewards & Loyalty industry has a number of significant problems.

Here are some of the MAJOR ones.

LACK OF SCALABILITYNo universal network

OUTDATED LEGACY

SYSTEMSCompetitive &

expensive to run

HIGH FINANCIAL RISKIneffective liability

management

CONFUSINGDisappointing customer

experience

THE EXISTING LOYALTY INDUSTRY

THE LOYYAL SOLUTION

INTEROPERABILITY MULTI-BRANDED

PROGRAMS

LIABILITY

MANAGEMENT

DYNAMIC ISSUANCE

& REDEMPTION

We’re reinventing loyalty for the digital age.

Copyright (c) 2016 Loyyal

LOYYAL TECHNOLOGY OVERVIEW

• BASED ON OUR PATENT PENDING AVCP. (ABSTRACTED VALUE CONSENSUS

PROTOCOL)

• VALUE DISTRIBUTION ALGORITHM

ABSTRACTED AWAY FROM DLN.

• MODULAR “FUTURE PROOF” PROTOCOL.

• PERSONAL & PRIVATE INFORMATION

NEVER SHARED.

• PERMISSIONED FOR KYC/CTF/AML

Intellectual Property: *All Loyyal Technolgy is Patent Pending.

Number : 14796691

File Date: 07/11/14

Name: Distributed Ledger Protocol to Incentivize Transactional & Non-Transactional Commerce.

Loyyal removes existing barriers from loyalty

relationships, enabling more sophisticated

custom incentification.

Points can now be multi-branded, such as an

“Airline/Bank” co-branded reward or even an

“Airline/Retailer/Consumer” multi-branded

reward.

Loyalty incentification can now flow up the

relationship network from consumer to merchant

as easily as it does down.

A NEW PARADIGM OF INCENTIFICATION


October 2016

“Dubai Points” *

Tourism incentification program with

support of Dubai Government

4Q 2016

Retail Redemption Facilitation

(World’s largest Banking &

Payments tech provider)

June 2016

Major Global Airline

POC underway to expand

issuance/redemption network

2017

10 New Client Projects

4 of them been filled

Dubai Tourism participants include: Dubai Prime Minister’s Office, IBM, Du, Jumeirah, Careem, Travelex, Flyin and PWC.

http://en.acnnewswire.com/press-release/english/30280/loyyal-announces-blockchain-based-tourism-program-with-dubai-future-foundation

CLIENT PIPELINE

May 2016

“D.Coins”

Deloitte Employee

Rewards Program

October 2016

“Dubai Points” *

Tourism incentification program with

support of Dubai Government

4Q 2016

Retail Redemption Facilitation

(World’s largest Banking &

Payments tech provider)

June 2016

Major Global Airline

POC underway to expand

issuance/redemption network

2017

10 New Client Projects

4 of them been filled

Dubai Tourism participants include: Dubai Prime Minister’s Office, IBM, Du, Jumeirah, Careem, Travelex, Flyin and PWC.

http://en.acnnewswire.com/press-release/english/30280/loyyal-announces-blockchain-based-tourism-program-with-dubai-future-foundation

CLIENT PIPELINE

May 2016

“D.Coins”

Deloitte Employee

Rewards Program

Beyond Loyalty

Agent Agnostic - Incentivize any agent

Smart A/CDriverless car Home helper robot

Behavior Agnostic - Incentivize any behavior Drive safe Exercise Conservation

Construct Agnostic - Incentivize any construct IoTAugmented/Virtual Reality

The Internet of Loyalty

CONTACT US:

[email protected] www.loyyal.com


APPENDICES


Gregory Simon

Sean Dennis

Ann Camarillo

Ann is President is the CEO of MobiCash, former CEO of

Maestro and Cirrus (MasterCard), the largest global debit

card POS and ATM networks. In 20+ years at MasterCard

Worldwide, Ann was responsible for the financial contribution

of all products and services and for creating and

implementing next generation revenue streams and loyalty.

Ann created the Debit Centre of Excellence and managed

the Global Debit Advisory Board with responsibility for all

debit and prepaid strategy, policies, financial performance

and investments.

Neetan Chopra

Neetan is Senior Vice President Emirates Group ,with

experience, competence and passion for driving

business transformation, change and outcomes with

innovation and technology. He led the visioning and

design of the digital transformation of Emirates Group

and launch of a global innovation ecosystem, He also

led the strategy, design and selection process for

divestment of the Mercator business, resulting in its sale

to one of the World’s top 10 Private Equity firms

Safwan Zaheer

Safwan is the former Director of Digital Transformation at

Accenture Digital. He builds progressive new businesses,

strategy and products resulting in significant market

growth and increased consumer engagement, most

heavily in financial services and digital industries.

Greg is CEO and Co-founder of Loyyal

Sean is CHO and Co-founder of Loyyal

BOARD OF DIRECTORS


Eugene Durenard

Eugene has 20+ years in investing in a wide variety of asset

classes. He was director at Credit Suisse and has founded a

number of asset management and advisory companies.

Eugene focusses on public and private equity investing for

certain family offices. He holds a PhD in Mathematics from

Harvard University and in 2013 published a book "Professional

Automated Trading, Theory and Practice" (Wiley).

Matthew Hamilton

Matthew has 10+ years in investment banking and

investor relations capacities. He founded Tundra Copper

Inc., that was acquired by Kaizen Discovery in 2015. He

was CFO of Emperor Oil and has been instrumental in

underwriting several companies that went on to raise

over $100 million in equity. He brings experience in

shareholder reporting, corporate communications and

equity financings.

Alex Chung

Alex Chung is founder and CEO of GIPHY, the Gif search

engine and studio. With over 1 Billion gifs issued per day,

they are now considered the largest global media

company by consumer reach. They have partnerships in

place with Facebook, Google, Disney, Universal Studios

and many more. They recently closed their Series C at a

$300m valuation.

Chuck Stoops

Chuck is a leading expert in legal and financial

operations. He was Chief Legal Officer for Rakuten Group

as well as Head of Finance for Netflix and Global Head of

Tax at Skype. He maintains deep interest in the fintech

space, including e-money, cross-border remittances and

blockchain technology. He expertise lies in financial

services, regulatory law, data protection and banking

secrecy, taxation law and corporate finance.

BOARD OF ADVISORS


Gregory Simon CEO & Co-Founder

Greg comes from a background of investment banking in

Asia. Since 2013, he has been immersed in Blockchain

technology. He believes loyalty is the application of

blockchain to unleash the latent value in all things. He is a

frequent expert speaker at universities, seminars and

conferences. As both a CPA and CBP (Certified Blockchain

Professional) he is considered an industry leader in blockchain

accounting. He holds an MBA from Columbia University.

Sean Dennis CHO & Co-Founder

Sean is a seasoned entrepreneur with an international

background. Having spent time in the UAE, Hong Kong,

Europe and Latin America, he brings a wealth of global

perspective and experience to the team. He is

passionate about loyalty and behavior incentification,

and the way in which Blockchain and Smart Contract

technology can enable it. He holds a Masters from CASS

Business School (UK).

Robert Moerland EVP Global Business Dev.

Robert is a recognized Loyalty industry expert with over 15

years of experience in the industry, including loyalty product

innovation and loyalty/reward program design,

implementation and operations with some of the largest and

most innovative loyalty programs in the world for companies

such as KLM, United, IHG, Etihad, SAS, Etisalat, Iceland Air,

JetBlue and many more. He will head up our Zurich Office in

Switzerland.

Ron Quaranta COO

Ron brings 25+ years of experience in the financial

services and technology sectors. He is Chairman of the

Wall Street Blockchain Alliance, a non-profit trade

association for blockchain technology across financial

markets, and he is a well known public speaker on

Blockchain application for the financial industry. He

was formerly CEO of DerivaTrust Technologies.

TEAM BIOS


Naol Duga Chief Blockchain Technologist

Naol is a true entrepreneur in the blockchain technology

and smart contracts space. Originally from Ethiopia, he

has spent time in Europe and now the US. He is an expert

on blockchain-based applications, Distributed

governance models, systems and protocols (in particular,

Ethereum). He is fascinated by behaviour incentification

and using these and similar platforms to build novel socio-

economic systems and applications.

Shannon Code Chief Architect

Shannon brings 15+ years of experience as a developer to the

team, and has been involved in Blockchain technology

specifically for 4 years. He is a cryptography specialist and has

worked on and continues to be passionate about artificial

intelligence and machine learning. He believes firmly in the

Loyyal vision and has been involved since the early days.

Stuart Evans MD Dubai Points

Stuart created new customer loyalty propositions and

commercial models for leading brands, and headed

strategy for specialist global loyalty agency, ICLP.

Programmes developed include British Airways, Intel,

Carlson Rezidor, Sony, Manchester United and Harrods.

Stuart is excited about the opportunities that new and

emerging technologies like blockchain, digital wallets

and wearables create for new marketing currency

and customer value models in the loyalty space.


TEAM BIOS

Certain statements contained in this presentation, including, without limitation,

statements containing the words “believes,” “plans,” “expects,” “anticipates,” and words of

similar import, constitute “forward-looking statements” within the meaning of the Private

Securities Litigation Reform Act of 1995.

Such forward-looking statements involve known and unknown risks, uncertainties and other

factors that may cause the actual results, performance or achievements of Loyyal Corporation (or

the “Company”) to be materially different from any future results, performance or

achievements expressed or implied by such forward-looking statements.

Such factors include, among others, the following: general economic and business conditions in

those areas in which the Company operates; demographic changes; competition; fluctuations in

market interest rates; changes in credit quality; the Company’s ability to successfully

integrate any acquisition it may make; and other risks detailed in the most recent

quarterly and annual reports and other filings.

Given these uncertainties, undue reliance should not be placed on such forward-looking statements

contained herein to reflect future events or developments except as required by law.

SAFE HARBOR STATEMENT


Documents

Host Airline