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 Merchant Explorer Application Dec 1, 2014

2. © 2014 Cognizant 1 What’s in store… Introduction The Experience User Journey Key Insights How it Works Solution Architecture & External Data Sources Integration Navigating through the Application Data Analytics & Rule Engine Business Value Delivered Future Potential Solution Score Cube

3. © 2014 Cognizant 2 Introduction… “The Merchant Explorer” is a powerful tool that transforms BBVA transaction data into rich actionable insights (about customers, sales, similar businesses in own / neighboring zip codes) using external data feeds & powerful Data Analytics, to empower Enterprises / Merchants with increased business awareness and opportunities to unlock hidden potential…. Ability to track performance against peer group Social Insights News feeds - Weather, Economic forecast Actionable Recommendations Derived from Data Analytics & Rule Engine Increased awareness of sales patterns

4. © 2014 Cognizant 3 User Experience with Merchant Explorer is simple yet powerful 1234 RegisterViewCompareInsights Easy registration with minimum details ( Zip Code, Merchant Category, Sub Category ) Available to both BBVA and non-BBVA acquired merchants Powerful visualizations of sales patterns in a particular zip code External data overlay (weather, holidays etc) to understand influencing factors Gender, Age wise visualization to identify Top contributing customer segments Compare similar business sales pattern between own zip code and other zip codes for specified time periods Compare own performance with similar businesses (for BBVA acquired merchants only) Receive recommendation derived from powerful data analytics using internal & external data Relevant updates from BBVA Economic Forecast & External data sources Interesting insights from social media The Experience… User Journey

5. © 2014 Cognizant 4 How are external factors such as Rainy Days, Events, Holidays influencing sales in my business category? How is my/my Zip’s business performing? Which are the top contributing zips considering sale volumes and # of customers? Where are most of the customers spending in the business category originating from ? The Experience… Note: For demonstration purposes - BBVA acquired merchant’s sales data has been mocked up to contrast own sales to peer group Key Insights – Top Zip Codes & Peer-group spending

6. © 2014 Cognizant 5 Which customer segment(s) (gender & age group) contribute most to sales in a specific business category (MCC)? Key Insights – Spend Trend by customer segments & Performance across zip-codes The Experience… How is my business performing in comparison to similar businesses in neighboring zip ? Note: For demonstration purposes - BBVA acquired merchant’s sales data has been mocked up to contrast own sales to peer group

7. © 2014 Cognizant 6 What are my potential areas of improvement? What actions can I take to boost sales during specific events? Friday After Office Hours Deals Rainy Day Offers (say, free home delivery) Weekend Deals Focused marketing strategies for specific customer segments (zip code, gender and age group) to drive up sales volumes Key Insights – Drive sales correlation and actionable insights The Experience…

8. © 2014 Cognizant 7 Which are the most relevant news updates or economic forecasts influencing my business? Key Insights – Relevant News & Social media feeds The Experience… What are the most popular social media trends?

9. © 2014 Cognizant 8 Solution Architecture | BBVA API’s | External Data sources Integration Social Feed Analyzer Social Media (Facebook) Rule Engine Data Analytics BBVA Host BBVA API’s Social Insights Actionable recommendations to boost sales & unlock new potential Sales Pattern Visualization Event/Weather Correlation Comparison with similar business Industry specific popular social media trends Weather | Holiday | Events BBVA Merchant Transaction Aggregated Merchant Data | Individual Merchant Data Key Relevant news feeds BBVA Economic Research & other sources (Tripadvisor, AMDA etc.) News Feed Analyzer External Data API How it works…

10. © 2014 Cognizant Register with basic information : Email ID, zip code, merchant category & sub category. Already registered? Login with user ID & password Demo date for prototype 9 How it works… Registration

11. © 2014 Cognizant A dashboard that summarizes multitude of insights to the merchants: 1.Map based visualization of Top 10 contributing zip codes with supporting data points (volume, average ticket, number of consumers & merchants) for the specified merchant zip code 2.Graphical visualization of a.Sales patterns – Daily, Weekly or Monthly b.Age|Gender based Sales pattern c.Compare sales patterns with neighboring zip codes 3.Notes for graph & map highlighting neighboring zip codes 4.Actionable Recommendation generated by Analytical Rule Engine to enable increase in sales volumes 5.Top News Feeds from external sources like BBVA Economic Forecast, Trip Advisor, AMDA etc. 6.Social media trends from Facebook 1 2 3 4 5 6 10 How it works… Insightful Dashboard

12. © 2014 Cognizant 11 Weekend Sales (excluding holidays & rainy days) Weekend Sales (excluding holidays & rainy days) Holiday season sales Friday after office hours sales Rainy day sales (excluding holidays & weekends) Rainy day sales (excluding holidays & weekends) Gender / Age Category based sales Rule CategoryRule Engine Comparison with Peers in nearby areas or past sales volumes Generate relevant recommendations if sales lag is more than defined threshold (5%) Notify relevant upcoming occurrences (rainy day / holiday etc.) Actionable Recommendations Launch Offers – for e.g. Weekend special, free delivery on rainy days Campaign for target customers Proactive inventory management - Top selling product for specific customer segment More accurate guidance for BBVA merchants since rule-set correlates merchants’ own sales data to peer group and generates actionable insights How it works… Intuitive Rule Engine for Actionable Insights

13. © 2014 Cognizant 12 Top-5 Business Benefits… 1 Actionable insights to unlock new opportunities and hidden business potential. For e.g. Provide after office hours offers on Friday to boost sales Provide rainy day deals or free home delivery Increase marketing campaigns for locals 2 Superior & accurate insights for BBVA acquired merchants by contrasting merchant’s sales data with peer group 3 Supports both BBVA and Non-BBVA acquired Merchants to leverage BBVA payment data & other relevant external data to enhance awareness about factors (Customer segmentation, seasonality such as holidays / weather) influencing sales, thus presenting BBVA with an opportunity to acquire new merchants and/or drive up sales volumes 4 Help merchant understand consumer’s regional preferences (contributing zip codes), thereby enabling differential marketing strategy 5 Learn about what’s trending in social media and receive relevant economic & News updates.

14. © 2014 Cognizant 13  Highly Scalable architecture enabling rapid industrialization in production  High Performance with ability to capture & analyze data across zip codes, merchant categories  Responsive Web based Deign enabling application to be accessed through handheld devices (tablets)  Leverage of Open Source Software – Flexibility & Ease-of-implementation  Leverage of Public API ‘s to enrich BBVA Data Identify nearby zip codes: http://api.geonames.org/findNearbyPostalCodesJSON?postalcode &country= &radius= &username= http://api.geonames.org/findNearbyPostalCodesJSON?postalcode &country=<Country Historical Weather data: http://www.wunderground.com/history/airport/ / /DailyHistory.html http://airports.pidgets.com/v1/airports?near=<ziphttp://airports.pidgets.com/v1/airports?near=, &format=json" Overall Economic Forecasts and surveys from BBVA (www.bbvaresearch.com)www.bbvaresearch.com Industry specific news. E.g. : For car industry -- 5 Top selling cars (www.amda.mx/estudios/cifras/2014-cifras)www.amda.mx/estudios/cifras/2014-cifras For Restaurant/ Hotel industry -- Top 5 restaurants/ hotels (www.tripadvisor.com)www.tripadvisor.com Top-Trends from Social Media (www.facebook.com )www.facebook.com Salient Features of the Application…

15. © 2014 Cognizant Integration with BBVA merchant acquiring platform to get actual merchant level data for more accurate guidance Expand Rule Set for actionable insights by including parameters such as footfall of new vs. existing customers, correlation of sales with economic indices, prices of natural resources etc. Accept Data feed from multiple Social Media in order to score, analyze and present top social trends Extend News segment to include external industry and economic updates Recommended Roadmap… 14

16. © 2014 Cognizant Originality The app is uniquely positioned to provide retailers with Actionable insights based on sales patterns and external factors to explore hidden opportunities View of how seasonality impacts Sales patterns Economic & News updates relevant for the business Social trends in the specific business category The app is uniquely positioned to provide retailers with Actionable insights based on sales patterns and external factors to explore hidden opportunities View of how seasonality impacts Sales patterns Economic & News updates relevant for the business Social trends in the specific business category Visual Appeal The app enables retailers to view Comparison of sales performance viz-a-viz similar businesses in own and nearby zip codes Hot Spots identifying Top originating customer zip codes The app enables retailers to view Comparison of sales performance viz-a-viz similar businesses in own and nearby zip codes Hot Spots identifying Top originating customer zip codes Usefulness Implement actionable insights such as contextual offers / new marketing strategies to increase ticket size / overall sales volumes Keep updated with important economic updates & latest News Learn customer sentiments from social media Correlate sales patterns to external factors such as weather / holidays / events Implement actionable insights such as contextual offers / new marketing strategies to increase ticket size / overall sales volumes Keep updated with important economic updates & latest News Learn customer sentiments from social media Correlate sales patterns to external factors such as weather / holidays / events Usability across devices The app developed using rich responsive design templates & is accessible across traditional web browsers as well as hand- held devices External Data The app contextually integrates BBVA data in with external data sources 1.Geo Names ( For nearby zip codes) 2.Wunderground data (Historical rain data) 3.Economic Forecast from BBVA Economic Research 4.Category specific News feeds (AMDA, Trip Advisor) 5.Social Media Feed (Facebook) The app contextually integrates BBVA data in with external data sources 1.Geo Names ( For nearby zip codes) 2.Wunderground data (Historical rain data) 3.Economic Forecast from BBVA Economic Research 4.Category specific News feeds (AMDA, Trip Advisor) 5.Social Media Feed (Facebook) Solution Score Cube… 15

17. © 2014 Cognizant Link: https://bbvaopen4u.cognizant.com/MerchantExplorer/ https://bbvaopen4u.cognizant.com/MerchantExplorer/ Software Requirement:  Chrome version 38 & above / Safari 8 & above  Android 4.4.2 & above / Windows 7 & above / IOS 10.10.1  JRE 1.7 & above Experience Merchant Explorer… Suggested criteria to help user set-up insights: Industry CategorySub CategoryZip CodeSuggested Demo Date Bars & RestaurantsRestaurant6402020 th Nov, 2013 Bars & RestaurantsRestaurant110007 th Jan, 2014 16

18. © 2014 Cognizant © Cognizant Technology Solutions 2014. All rights reserved. Thank you