CONFIDENTIAL

Welcome To The Age Of Big Data

Data is the new Oil“

”– Clive Humby

20% have access

2012

75% need access

40% need access

2014

2020

Users

+80%per year

Data

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The Intelligent Bank

Better understand and serve customers

Mitigate risk & comply with regulations

Real Time Financials

State of the art experience

Real-time data platform

Unwire the business

Enable new experiences

Predict & Visualize

Big Data

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Bringing together multiple technologies creates value

BIG Data Analysis

Risk Finance CustomerHR FS Context

++

Compelling Value

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Six ‘Laws’of Big Data • The faster you analyze bank data , the better the predictive

value. Industry Moving from Batch to real time

• Maintain one copy not dozens of your data – the more you copy and move the less reliable

• Use more diverse data , not just more – internal and external social data

• Data has value far beyond what you originally thought – do not throw away data. Eg: Payments traffic data

• Put data and humans together to get the most insight – an art not a science sometimes

• Solve a real banking pain point – Where having real time data

creates value

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Key opportunity areas for Big Data Customer Scenarios in Banking

Large Scale Branch Reporting Understanding branch performance, product sales vs target , net money inflows

Transactions Analysis Monitor , track and take action on transaction information in real-time to make new real time offers to better service and meet the needs of the client

Payment Channels Data Capture and analyse data from new payment channels to aggregate and sell to third parties or to better inform internal marketing strategy

Segmentation and Campaigns Identify , target and track performance e of campaigns. Run detailed segmentation models and visualize results

360 View of Relationships 360 view of corporate product portfolios, managing the customer lifecycle, real-time product recommendations, to empower corporate officers at point of interaction

Customer Sentiment AnalysisEffective “voice of the customer” capture, web traffic ,social media monitoring with proactive engagement and brand awareness

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