Brillio Data & Analytics An Introduction September 2016

We Are A Global Analytics Firm Implementing Disruptive Solutions Aided By Digital Transformation & Technology Innovation Partnership with UCLA 2

Our Analytics Spectrum of Operation Causal Influence Paths Detection in Customer Networks Dynamic Customer Relationship Management  Business-Customer-Vendor Networks Transaction Data Mapped to Social Chatter Fraud Detection AML & Alternate Payment Methods GRAPH DATA Actionable Insights from Non Traditional Voice of Customer  Topic Mining for Unstructured data Visual Analytics Speech to Text DEEP LEARNING Industry Focused Point Solutions Continuous Risk Scoring Collections – Treatment Optimization & Settlements Reject Inference Driven Underwriting Omni-channel Attribution & Market Mix ADAPTIVE ANALYTICS Cross technology Big Data Toolkit DATA ENGINEERING INNOVATION Real-Time Next Best offer recommendation (PySpark, Kafka) Real -Time generative models and calibrations (Flume, Kafka, Hbase, Hive) Real -Time Model deployment (PMML based) Accelerators for Faster Migration Report Migration  Legacy SAS/BO to MicroStrategy, PowerBI, Tableau etc. New Age Visualization using D3.js KPI Establishment & Standardization PROCESS AUDIT & KPI EXPANSION 3

ADAPTIVE ANALYTICS SOLUTION Sample Use Case: ADAPTIVE ANALYTICS SOLUTION Problem Statement: Grow fees by increasing share of wallet from small-medium tier Corporate clients Key KPIs: Customer Next best Offer by proactively understanding their needs Smarter workflow solutions Product covered: Cash Management Some of the key Challenges: Siloed data across sales, operations and servicing groups Lack of consolidated Business rules Ability to translate business knowledge into machine learning based advanced models Inability to quickly test and learn on models like propensity scores or dynamic customer clustering High cycle time to test champion-challenger models

ADAPTIVE ANALYTICS SOLUTION Solution Approach: Brillio’s Adaptive Analytics Solution enabled: Real-time data integration Creation of advanced machine learning algorithms Business rules management Test & learn environment Real time model deployment, and Automated & interactive dashboards Accelerated development and higher accuracy of Customer Next Best Offer Scoring Data Mart for a single source of data for all Analytics needs Business friendly UI for testing and model management Faster implementation of statistical models Flexibility to create new business rules Highly modular, can be easily customized “What-if” simulation capability Ability to monitor and track business decisions at regular intervals Consolidated view of business KPIs

ADAPTIVE ANALYTICS SOLUTION ENABLED FASTER INTEGRATION OF REAL TIME STREAMING & BATCH DATA ACROSS SOURCES TO LOOK FOR SIGNALS Business & CRM Data Service Data Transaction Data Firm Details Industry Business Type, Yrs in B/S Type of Ownership Geographies supported Processing Volume Product/Service Offerings Number of Employees Size, Market Share Growth, revenue, Income Sales Info, Campaign Call Center logs Customer feedback transcripts Clickstream data from own website Transcripts of customer interviews # of employees or vendors payments? Customers pay b/s via check, credit card, electronic transfer, or in cash? Any deposits after banking hours? Need a lot of change or small bills? Fee Structure charged – overage etc. and why? Deposit Frequency? What’s driving the cost of cash- Interest, insurance, transportation, processing and handling costs What are the patterns w.r.t wires, ACH etc., and regions ILLUSTRATIVE

ADAPTIVE ANALYTICS SOLUTION CONSOLIDATED RULES ENGINE & MACHINE LEARNING BASED MODELS Business users can define, set up, manage and simulate rules for more accurate Model Development Example: How much cash in the form of customer payments, interest earnings, service fees, partial collections of bad debts, and other sources gets in, and when? Impact of these variations Metrics at each step of the process can be measured and monitored with improved transparency Model Repository & Real-time model execution Built Highly flexible yet powerful Bayesian network Pattern Recognition & Graph Based Machine Learning (GMBL) uncovers causal influences between various factors Model version control for scenario analysis Easy to define / modify business rules Business user friendly 7

ADAPTIVE ANALYTICS SOLUTION Execution output feeding into the Visualization layer for effective Decision Making Tool for Bankers to understand Customer’s Real – Time Cash Flow needs: Pattern recognition based Payment Optimization Analyzer E.g. Potential need for ACH debit block based on the past incorrect debits Potential savings for the businesses by moving to ACH transactions from checks Amount/Location/Vendor based Wire Optimizer Vendor/Supplier segmentation view based on the payments Automated Business rules based alerts & workflow for Outliers Illustrative Illustrative 8

Thank You