© 2014 Cognizant © Cognizant Technology Solutions All rights reserved. Cognizant owns all rights in all its trademarks, trade names or logos, Patents, Copyrights and any other intellectual property rights used in the presentation. Cognizant acknowledges the proprietary rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in the presentation. Except as expressly permitted, neither this presentation nor any part of it may be reproduced, stored in a retrieval system, transmitted or modified in any form or by any means, electronic, mechanical, printing, photocopying, recording or otherwise, without prior written permission of Cognizant Technology Solutions. Cognizant disclaims and makes no warranties or representations as to the accuracy, quality, reliability, suitability, completeness, usefulness of the presentation. BBVAOpen4U Innova Challenge Merchant Explorer Application Application Demo, Dec 1, 2014

© 2014 Cognizant Link: Suggested criteria for user set-up Industry CategorySub CategoryZip CodeSuggested Demo Date Bars & RestaurantsRestaurant th Nov, 2013 Bars & RestaurantsRestaurant th Jan, 2014 Cognizant introduces The Merchant Explorer Intuitive insights helping merchants unlock hidden potential… Software Requirement:  Chrome version 38 & above / Safari 8 & above  Android & above / Windows 7 & above / IOS  JRE 1.7 & above 1

© 2014 Cognizant 2 Registration & Login New User Registration Cognizant introduces The Merchant Explorer Log in for existing users  Sign up with basic information - ID, Zip Code, Industry category and Sub-category  Login with user name password – Sample User: sg6; password: sg Demo Date for Prototype  Choose any date between Nov 2013 till Apr 2014 as per data provided by BBVA  Choose demo date – 7 th Jan, 2014  For BBVA merchants – insights, comparisons & recommendations are based on merchant’s own sales available from BBVA merchant acquiring platform; for this prototype, merchant sales data is mocked up  For Non-BBVA merchants – the insights and recommendations are based on merchants’ zip code sales Indicate if you are a BBVA merchant Intuitive insights helping merchants unlock hidden potential…

© 2014 Cognizant Different sections of the dashboard: 3 Cognizant introduces The Merchant Explorer Dashboard Features Intuitive insights helping merchants unlock hidden potential… 1.Visualize the location of Merchant zip code on the Mexican map alongside key Attributes 2.Graphical visualization of a.Overall Sales patterns in specified duration b.Age | Gender based Sales pattern c.Sales Patterns in Comparison with neighboring zip codes 3.Notes for graph & map highlighting neighboring zip codes 4.Read Actionable Insights for possible opportunities to boos t Sales 5.Review Top News Feeds from external sources Review Social media trends 7.Option to select if user wants to see daily / weekly / monthly view

© 2014 Cognizant Cognizant introduces The Merchant Explorer Map Section Details Intuitive insights helping merchants unlock hidden potential… 1. Spot own zip code on the map; pop up box with additional details like total volume, avg. ticket, No of consumers & merchants 2. Spot Top zips where most customers spending in selected business category originate from. Additional details like zip code, total contribution volume & no. of customers will pop up. Click on circles to compare volume in graph section 3.By choosing different options in the selection panel user will be able see customer heat map for desired neighboring zip, any industry category & for desired time period (daily/ weekly/ monthly) 4.Refresh button to be hit after changing the options in selection panel for updated view M

© 2014 Cognizant 5 Cognizant introduces The Merchant Explorer Intuitive insights helping merchants unlock hidden potential… Graph Section Details User will be able to view zip’s Avg. sale volume for last one week. For BBVA merchants, there will be another trend line indicating merchant’s own volume 2.Weather & Holiday details indicating seasonality impact on sales 3.Option to print/ download chart 4.By choosing different options in the ‘Age & Gender distribution’, user will be able see the contribution of different customer segments 5.Key in neighboring zip code in ‘Compare Zip’ box (take hint from Notes section) and click on COMPARE to get sales volume comparison between merchant & keyed-in zip

© 2014 Cognizant 6 Actionable Insights obtained from powerful data analytics and intuitive Rule engine has two parts: 1.Identify potential are of improvement 2.Provides necessary guidance which can be adopted for improvement Latest News Feed keeps a merchant updated about: A. Useful economic forecast B. Industry specific relevant rankings 1 2 A B Social Media Buzz keeps a merchant posted about relevant social media sentiments/ trends which can be helpful to take business decision. Cognizant introduces The Merchant Explorer Intuitive insights helping merchants unlock hidden potential… Insights, news & social media

© 2014 Cognizant © Cognizant Technology Solutions All rights reserved. Cognizant owns all rights in all its trademarks, trade names or logos, Patents, Copyrights and any other intellectual property rights used in the presentation. Cognizant acknowledges the proprietary rights of other companies to the trademarks, product names and such other intellectual property rights mentioned in the presentation. Except as expressly permitted, neither this presentation nor any part of it may be reproduced, stored in a retrieval system, transmitted or modified in any form or by any means, electronic, mechanical, printing, photocopying, recording or otherwise, without prior written permission of Cognizant Technology Solutions. Cognizant disclaims and makes no warranties or representations as to the accuracy, quality, reliability, suitability, completeness, usefulness of the presentation. Thank you