inside e-banks Analytical Engine Verestnikova Darya CASHOFF Hello, My name is Darya, and today I will tell you about our product, the Analitycal Engine inside e-bank/ Analitical Engine! Interesting, yes? What does it mean and what does we do? Verestnikova Darya CASHOFF

20+ Banks COMPANY Research laboratory based on the Skolkovo Foundation White-label service for: aggregating the all financial accounts cash-flow analysis making personal financial recommendations OUR CUSTOMERS At first I need to say, That CASHOFF is a research laboratory based on the major innovation center Skolkovo. And our analitycal engine is white-label service for: aggregating the all financial accounts cash-flow analisys making personal financial recommendations Customers of the company are 20 banks including several major innovators having over one hundred million consumers. 20+ Banks

Solve the lack of complete knowledge about their customers MISSION FOR BANKS Solve the lack of complete knowledge about their customers Attract and retain Banks customers Cross-sale products By our service we help banks Solve the lack of complete knowledge about their customers Attract and retain Banks customers Cross-sale products

Data analysis and formation of profiles Banks PRODUCT OVERVIEW Aggregate data in one place from Categorization of transactions Data analysis and formation of profiles Banks Personal recommendations E-Wallets We provide our customers with the service which helps them to agregate data about their clients from different financinal accounts (banks, merchants, wallets, providers) and create profiles of clients based on the model of their financial behavior (transactions) and consumer preferences (receipts with items). Results of analysis are used in scoring systems, loyalty programs, cross-sale and pfm services in mobile banking applications. The service is cloud-based, but banks data transferred to the service is completely anonymous (without names, cards numbers and other personal information). Shops Visualization in e-banks Providers No personal data

85% 80% want to have a one hotspot of clients use products MARKET STATS want to have a one hotspot 85% of clients For what? Because them need it Results of research of respected analytical agencies shows that typical household or even one client has products in different banks and want to have a one hotspot 80% use products of several banks of households

ALL FINANCES All about the client and household cards balances Car Loan cards accounts deposits loans balances transaction history payment templates budget and goals Mortgage Client Salary cards E-Wallets Deposit Child Inside your internet-banking system your client can import all information of all household’s cards, accounts, balances, transactions, templates from different banks, e-wallets, providers. Mobiles Cards for purchases Spouse

Location Items of receipts E-RECEIPTS Complete information about transactions Merchant name Merchant logo Receipts Categories We can import a correct name, merchant logo, LOCATION and ITEMS OF RECIEPTS Banks customers will see in Internet Banking detailed electronic receipt Location Items of receipts

90% of clients their interests purchases (items of receipts) RECOMMENDATIONS Client segmentation based on purchases (items of receipts) 90% of clients Individual calculations of financial profit for each client are interested in special offers if they concern their interests Complete knowledge about the client (all his finances and goods) allows us to suggest him the best matched offers and show calculated benefits in digits. Items in receipts open doors to the ad market of suppliers. New advertising opportunities for suppliers of goods

PERSONAL RECOMMENDATIONS Use deposits and loans from our bank and reduce the waiting time for housewarming for 1 year and 1 month You bought 2 bottles of Bio Balance at Tesco 10% CASHBACK for 2 more bottles of Bio Balance at Auchan till July, 30 9 000 000 ₽ HOUSE 0% LEFT 15 year 7 month 45 000 ₽ in a month Full knowledge about customers allows banks to offer the most personalized offers with benefits. Our task is to make their internet bank not only a tool for making payments, but also an assistant for every dayk not only a tool for making payments, but also an assistant for every day In your Internet banking you can offer to your customers targeted cross-sale of banking products and retailers products with the calculation of personal benefits for everyone/ DEPOSIT 9% LOAN 12% + 3800 ₽ FIRST 500 000 ₽ MONTH 26 000 ₽

Usually CASHOFF FEATURES All Finances Dashboard E-Receipts SME and Personal Advice Widgets Dashboard Cash Management Spending Analysis Saving Goals Budget Our system is not as usually at the market. We can work with consolidated personal and corporate finances. JUST CASHBACK (Tinkoff) JUST TRANSACTION SUM Spend analysis only from ONE BANK RECOMMENDATIONS IN OTHER BANKS 2013 Target 2017 My Helper JUST CASHBACK JUST TRANSACTION SUM Spend analysis only from ONE BANK JUST TRANSACTION SUM Spend analysis only from ONE BANK

2013 «TARGET» 2017 «MY HELPER» RECOMMENDATIONS IN OTHER BANKS JUST CASHBACK JUST TRANSACTION SUM Spend analysis only from ONE BANK 2017 «MY HELPER» Some Banks in Russia are doing a similar services. BUT They are concentrated just only on information from JUST ONE BANK and only from transaction SUM, without detailes. These information isn’t full and representative JUST TRANSACTION SUM Spend analysis only from ONE BANK

INSIDE INTERNET-BANKING This is a visualization of CASHOFF in web and mobile banking

AlfaBank, Tinkoff, MTS, CitiBank, Russian Standart, Touchbank, RosCap, ACHIEVEMENTS in 2016-2017 Up to 10 new Customers: AlfaBank, Tinkoff, MTS, CitiBank, Russian Standart, Touchbank, RosCap, VBRR, BCS etc. Growing team: From 7 to 30 persons New Markets Opening office in London (August 2017) We have a fast growing. For the 2016 and 2017 year we started to work with up to 10 big banks and one the biggest Telecom in Russia Our team was grown and now we are opening the new office in London for working in Europe

Verestnikova Darya +7 929 677 98 78 d.verestnikova@cashoff.ru CONTACTS Verestnikova Darya +7 929 677 98 78 d.verestnikova@cashoff.ru cashoff.ru/banks Any questions?