1. © 2014 Cognizant © Cognizant Technology Solutions 2014. 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 SpendWise Genie Application Application Demo, Dec 1, 2014 SpendWise. Be Wise.

2. © 2014 Cognizant 1 Cognizant presents SpendWise. Be Wise. User can slide on the circular pane to select his/her age or tap in the centre of the circle to type the age in years. My Group: User provides his/ her age, gender & location information and also the time period for which he wants to see the report My Group: User provides his/ her age, gender & location information and also the time period for which he wants to see the report User can select the gender. Loading…

3. © 2014 Cognizant 2 Cognizant presents SpendWise. Be Wise. People Like Me: In this section, for selected age group, gender and location, user can select merchant category and sub-category and see how people in same demographic group are spending in a particular region. People Like Me: In this section, for selected age group, gender and location, user can select merchant category and sub-category and see how people in same demographic group are spending in a particular region. To view spending trends or offers in a particular region for selected group, user can enable location sharing or enter his/her zip code. This button navigates to the page where user can see how his/her peers are spending in different categories This button navigates to the page where user can see how his/her peers are spending in different categories This button navigates the user to offers page** People Like Me The user now has to choose the category spending for which he/she wants to view the report. **The offers section is presently built for ONLY Top 10 Zip Codes by spend amount in the list provided by BBVA API: 11000, 11560, 11320, 11590, 11510, 14300, 11520, 44100, 11529, 64000

4. © 2014 Cognizant 3 User can use this button to go back to previous screen(s) if he/she wants to modify any selection People Like Me User can select the time-period for which he/she want to view the report, using a drop- down menu which allows month selection options. Presently the app allows to select only the months for which data is provided through BBVA APIs. Cognizant presents SpendWise. Be Wise. The user has to choose the merchant sub- category for which he/she wants to view the report. User can also choose “All” to view the report for spend in all sub-categories combined within the selected category.

5. © 2014 Cognizant 4 Cognizant presents SpendWise. Be Wise. The charts show how people in user’s selected group spend in selected category and region. User can also compare this spending with spending of all other people in this region for selected category. People Like Me The 1 st view is month- wise trend. Clicking on the bar chart leads user to the week-wise trend chart for that particular month User can tap the chart legend to select to see only “Your Group” or only “All Groups” report. Week-wise trends for the user selection. The 2 nd view is week- wise trend. Clicking on the bar chart leads user to the date-wise trend chart for that particular selected week.

6. © 2014 Cognizant 5 Cognizant presents SpendWise. Be Wise. Date-wise trend for the user selection. People Like Me The 3 rd view is date-wise trend for the selected week in the selected month. Clicking on the bar chart navigates user to another report showing whether people are making big spends or small spends. User can use this button to go back to previous screen(s) to view month/week/date-wise charts or if he/she wants to modify any selection This view shows user that for the selected criteria(s) by the user, whether people are spending money in making big purchases or small purchases.

7. © 2014 Cognizant 6 Cognizant presents SpendWise. Be Wise. In all the chart views, there is a button on the top of page which allows user to view the current selection for which the reports are displayed. People Like Me The left menu button open a panel which allows user to navigate to “My Group”, “People Like Me” or “Offers Genie” home page. User can go back to the chart view by click on this button.

8. © 2014 Cognizant 7 Cognizant presents SpendWise. Be Wise. The left panel menu. User can directly go any of the sections through this menu. People Like Me User can go to the offers page by selecting this option on the left panel menu. OR User can select “My Group” from this panel and then go to offers page.** User can go to the offers page by selecting this option on the left panel menu. OR User can select “My Group” from this panel and then go to offers page.** User can go back to the “My Group” page and make can change in group selection or region to view offers and/or reports for a different selection. **The offers section is presently built for ONLY Top 10 Zip Codes by spend amount in the list provided by BBVA API: 11000, 11560, 11320, 11590, 11510, 14300, 11520, 44100, 11529, 64000

9. © 2014 Cognizant 8 Cognizant presents SpendWise. Be Wise. User can select a merchant category to view near-by offers or depending on user’s group’s previous spend behavior in this region, the application predicts the category where user has the highest probability of spending at present weekday and time of day when he/she is using the app. Offers For Me On clicking on the Genie Lamp, app predicts the category for user with best offers. User also can select a category for which he/she wants to view near-by offers. User can use this button to go back to previous screen(s) if he/she wants to modify any selection User can select a spend range to view near-by offers in that range or depending on user’s group’s previous spend behavior in this region, the application predicts the amount user is likely to spend at the present weekday and time of day when he is using the app. Clicking on the amount takes user to the best offers listing.

10. © 2014 Cognizant 9 Cognizant presents SpendWise. Be Wise. Offers For Me User can view offers details here and a sample image of the merchant or merchant products. The best offers are listed in near-by region for selected/predicted category in the selected/predicted spend range for user’s selected group (age, gender selection). User can click on a listed offer to view offers details, merchant location on map, directions on map, ratings and reviews. Once the user has read an offer, the app marks it read by marking the star symbol next to offer, so that user can keep a track which offers he has reviewed. User can use the bottom panel to navigate between offers details, merchant location and directions on map and merchant rating and reviews about merchant from Google Places.

11. © 2014 Cognizant 10 Cognizant presents SpendWise. Be Wise. Offers For Me User can view the rating for the merchant for the selected offer, sourced real-time from Google Places. User can view the merchant address for the selected offer and also merchant location on a map using Google Maps. User gets a message to visit “Reviews” tab if reviews are available for the merchant of selected offer. If no ratings or reviews are available, a message is displayed saying no reviews are available. User can click on the ‘Car’ icon displayed to get directions from his/her current location to merchant location. User can view the reviewes for the merchant for the selected offer, sourced real-time from Google Places.