1. 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

2. 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

3. 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

4. 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

5. 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

6. 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

7. 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

8. 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

9. 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 ₽
HOUSE 0%
LEFT
15 year 7 month
₽ 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% ₽
FIRST ₽
MONTH ₽

10. 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
Target
My Helper
JUST CASHBACK
JUST TRANSACTION SUM
Spend analysis only from ONE BANK
JUST TRANSACTION SUM
Spend analysis only from ONE BANK

11. 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

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

13. AlfaBank, Tinkoff, MTS, CitiBank, Russian Standart, Touchbank, RosCap,
ACHIEVEMENTS in
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

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