Slide 1: Filing cover letter to stock exchanges
intellect @ B Design for Digital INTELLECT/SEC/2016-17 September 02, 2016 1. The National Stock Exchange of India Ltd., Exchange Plaza, 5" Floor, Plot No. C/1, G Block, Bandra Kurla Complex, Bandra (E), Mumbai — 400 051 2. The Bombay Stock Exchange Ltd., 1st Floor, New Trade Ring, Rotunda Building,
Slide 2: Changing the DNA of BFSI
Changing the DNA of BFSI Investor Day | September 2016
Slide 3: Safe Harbor Statement
Safe Harbor Statement Certain statements in this release concerning our future prospects are forward-looking statements. Forward- looking statements by their nature involve a number of risks and uncertainties that could cause actual results to differ materially from market expectations. These risks
Slide 4: Who Are We?
WHO ARE WE? 2
Slide 5: Global Fintech Leader for BFSI
GLOBAL FINTECH LEADER FOR BFSI 3
Slide 6: Uniquely Focused Products Business
UNIQUELY FOCUSED PRODUCTS BUSINESS 4
Slide 7: Design Philosophy Providing Differentiation
DESIGN PHILOSOPHY PROVIDING DIFFERENTIATION 5
Slide 8: Key Differentiators
Key Differentiators DIGITAL CONTEXTUAL REAL TIME 6
Slide 9: Marquee Banks Partnering with Intellect
192 Marquee Banks Partnering with Intellect CUSTOMERS 7
Slide 10: Comprehensive Product suite covering entire gamut of financial services
14 Comprehensive Product suite covering entire gamut of financial services PRODUCT PORTFOLIO 8
Slide 11: Ahead of schedule; testimony of strong execution
92% Ahead of schedule; testimony of strong execution IMPLEMENTATION 9
Slide 12: Rs 811 Crores Revenue
Rs 811 Crores On course to double the revenue from listing (2015) by 2018 REVENUE 10
Slide 13: Consistent margins
50%+ Consistent margins GROSS MARGIN 11
Slide 14: Global workforce driving innovation
4,000+ Global workforce driving innovation EMPLOYEES 12
Slide 15: Business lines in various maturity stages
Business lines in various maturity stages Monetization Adoption Catalyst Growth Incubation 20% efforts offers 80% efforts to achieve 20% return 80% returns Time Horizon
Slide 16: Significant investment in R&D has provided a head start
Significant investment in R&D has provided a head start Others iPay Incubation One Markets Xponent (Card/Wallet) (Risk Analyst) Central Banks Catalyst Trade SCF One LRM Wealth Adoption Payments Lending Digital Core One Treasury Distribution Monetization Liquidity DTB 14
Slide 17: Global human capital driving growth
Global human capital driving growth 4,000+ 89 911 ~3,000 Strong Experienced Associates Base Middle Level Passionate Leadership Associates Team Management Comprises Sector Constitutes Bankers, Talented and Engaged Specialists, Capital Market Comprises Young, Team - our pride and Passionate, Agilers C
Slide 18: Led by a world class management team
Led by a world class management team Arun Jain S Swaminathan Jaideep Billa Manish Maakan Venkatesh Srinivasan Pranav Pasricha Chairman & Managing Chief Financial Officer Chief Executive Officer, Chief Executive Officer, Chief Executive Officer, Chief Executive Officer, Director iGCB iGTB iRTM iSEEC
Slide 19: Led by a world class management team
Led by a world class management team K Srinivasan (KS) Alfred J. Carpetto Mark S.Wilson Reid Warren Business Head – IMEA Business Head – Americas Business Head – Europe Business Head – Asia Pacific 17 17
Slide 20: On way to achieve highly profitable business
On way to achieve highly profitable business 5th year of Listing FY 14-15 FY 15-16 FY 19-20 DETAILS Actual Actual Forecast Revenue Mix Licence & AMC 32% 33% 43% Implementation Revenue 68% 67% 57% GM (%) 50% 52% 60% S&M (%) 32% 31% 23% G&A (%) 10% 10% 6% R&E (%) 20% 13% 5% Others (%) 1% 1% 1% Operati
Slide 21: Copyright notice
© 2016, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval sys
Slide 22: Enabling Business Aware Banking & Payments
Da t e: Se pt ember 2 2 0 1 6 Enabling Business Aware Banking & Payments 1 1
Slide 23: Three Forces of Change for FIs
Three Forces of Change for FI s Three forces of change CONSUMER) 22 N P 33N TECHNOLOGY) INDUSTRY)STRUCTURE) 2
Slide 24: The world of Banking & Insurance is changing
The world of Banking & Insurance is changing … Banking & Insurance Companies Source: Majesto Research 3
Slide 25: Software is eating the world
“Software is eating the world” Mar k Andr eesen 4 4
Slide 26: #disruption (still) a myth?
#disruption (still) a myth? 5
Slide 27: Market is growing | Example: US
Market is growing | Example: US 6 6
Slide 28: This change has a significant impact on the industry
This change has a significant impact on the industry ... Source: Majesto Research 7
Slide 29: And it is driven by digital adoption
And it is driven by digital adoption … Source: Andreessen Horowitz Research 8
Slide 30: The world in 2020 | 5bn people have a smartphone
The world in 2020 | 5bn people have a smartphone Source: Andreessen Horowitz Research 9
Slide 31: Digital Age is transforming the industry
“Digital Age” is transforming the industry as we know … Source: PWC Global Fintech Reoport 2016 10
Slide 32: Our customers take Digital strategically
Our customers take Digital strategically and are accelerating their transformation programs Source: AT Kearney Analysis 11
Slide 33: Why do our customers need Intellect Design?
Why do our customers need Intellect Design?
Slide 34: Disintermediation is here and now
Disintermediation is here and now …
Slide 35: Re-bundling of the Bank is already happening
Why the rush? Re-bundling of the Bank is already happening 14
Slide 36: Challengers all around us | Insurance
Challengers all around us | Insurance 15
Slide 37: Disrupters | SME Banking
Disrupters | SME Banking 888-986-8263 | Help | Signin Get the security of a business line of credit today. Qualify for a line up to $100,000 in minutes! ACCREDITED BUSINESS At+ FREE, NO OBLIGATION Find out how Kabbage works in this brief video @ git ‘ol Ou, 16
Slide 38: Disruptors | Retail Banking
Disruptors | Retail Banking 17
Slide 39: How retail banks are being displaced, diminished and disintermediated
How retail banks are being displaced, diminished and disintermediated Displaced NSN. Diminished rr-r-Disintermediated > \ 4 $B Visibility Point of sale ¢? . AY estan tansy, = 6 ee {J ( apt Saat, coe nee | \ : fimiamamh ‘pm |. a > — iu Digital wallet automatically chooses best card \ fii — based on r
Slide 40: Disruption | Market Outlook across FI categories
Disruption | Market Outlook across FI categories Opportunity for Intellect Design Source: PWC Global Fintech Reoport 2016 19
Slide 41: Opportunity or threat?
Opportunity or threat? Assessment of PSD2 impact on banks 88% Expect PSO2 to have an impact on thee business 68% Heide pled losing contro! of Psp2 customer interface es 68% Fool they will be weakened fs 8 result of PSD2 84% Foresae strategy changes due to PSO2 52% “Think there will be a risk of labi
Slide 42: Relevant Trends in Banking
Relevant Trends in Banking Source: PWC Global Fintech Reoport 2016 21
Slide 43: Relevant Trends in Payments and Fund Transfer
Relevant Trends in Payments and Fund Transfer Source: PWC Global Fintech Reoport 2016 22
Slide 44: Relevant Trends in Insurance
Relevant Trends in Insurance Source: PWC Global Fintech Reoport 2016 23
Slide 45: Our Focus is on enabling FI's New #Digital Eco System
Our Focus is on enabling FI’s New #Digital Eco System 24
Slide 46: Ideal Customer Profile in each Market Segment
Ideal Customer Profile (ICF) in each Market Segment Our Sweetspot 25
Slide 47: Digital Strategy – Technology Enablement
Digital Strategy – Technology Enablement 26
Slide 48: #co-exist Build ecosystems, and be part of other's
1 #co-exist Build ecosystems, and be part of other’s
Slide 49: #Disruption: Re-bundling of the Financial Institution
#Disruption : Re-bundling of the Financial Institution 28
Slide 50: Opportunity (or Threat): API based Eco System
Opportunity (or Thread): API * based Eco System through regulation (PSD2) or competition (rebundling) * API = Application Programming Interface, see also: https://en.wikipedia.org/wiki/Application_programming_interface 29
Slide 51: Building Eco Systems through APIs
Building Eco Systems through APIs Uber in 2014 Uber in 2015 30
Slide 52: Banks have to choose a path to the future
Banks have to choose a path to the future … Scenario 1 Digital Core Systems Banking Digital CX Scenario 2 Lean Built-for-Digital Banking Platform Core Greenfield Digital Fintech Providers Scenario 3 Banking Services Fintech Providers Aggregator Aggregator Fintech Providers Core Systems Scenario 4 Om
Slide 53: API First and Platform Strategy to Co-Exist with Fintechs
API First and Platform Strategy to Aggregate and Co-Exist with Fintechs Extend the Eco System
Slide 54: APIs | FI's Eco System and Internal Co-Creation Enabler
APIs | FI’s Eco System and as Internal Co- Creation Enabler 33
Slide 55: Product Offering | Alternative capitalization on same Product IP
Product Offering | Alternative capitalization on same Product IP Part of Full Stack : Speed + Economics No Restrictions : Flexibility + Control 34
Slide 56: #decomplex Increase adoption of digital channels
2 #decomplex Increase adoption of digital channels
Slide 57: Disruption | Pressure on Cost Income ratio
Disruption | Pressure on Cost Income ratio Source: EFMA - Digital Transformation in 10 Building Blocks – to boost customer experience and return on Equity. McKinsey 36
Slide 58: Cost per user compared
Cost per user compared [USD] 200 Tier 1/2 Bank 7,4 eBay Facebook Google 37
Slide 59: Digital Adoption: No friction, easy to onboard
Digital Adoption: No friction, easy to onboard. 38
Slide 60: Innovate on the Glass
Innovate on the Glass Banking As A Widget
Slide 61: 40
40
Slide 62: Bespoke?
Bespoke? 41
Slide 63: Asset: Knowledge Development
Asset: Knowledge Development
Slide 64: Industrialized UIs for Target Verticals
Industrialized UIs for Target Verticals
Slide 65: Netflix for Banking: Everywhere
Netflix for Banking: Everywhere 15 44
Slide 66: Seamless Experiences despite Technology and Organizational Silos
Seamless Experiences despite the Technology and Organizational Silos 45
Slide 67: Enabling Technology
Enabling Technology 46
Slide 68: Tailored Experiences through SDKs and Extension Points
Tailored Experiences through SDKs and Extension Points 47
Slide 69: Leave home by 4:30 pm
Leave home by 4:30 pm Driving From home Arrive 90 min early British Airways BAO2 Scheduled - departs hours 56 mins LON >
Slide 70: Harvest Data Insights: Contextual Banking
Harvest Data Insights: Contextual Banking Best Next Offer Best Next Advise 49
Slide 71: Machine Learning make interactions smarter and very context aware
Machine Learning make interactions smarter and very context aware. Sour ce: Forrester Research, “Mobi l e I s The New Face Of Engagement ” report. 50
Slide 72: Outside In: Intellect's Contextual Digital Platform
Outside In: Intellect’s Contextual Digital Platform OMNI-CHANNEL/API DIGITAL SERVICES PREDICTIVE ANALYTICS SYSTEMS INTEGRATION 51
Slide 73: #aggregate To remain relevant, become a platform
3 #aggregate To remain relevant, become a platform
Slide 74: Wishlist customer
A 2013 survey from Celent Research asked people what they want most in a mobile financial app. The results showed that, more than anything, users want Wishlist customer the ability to view all their finances in one place. Source: Celent Research on U.S. Mobile App Preferences, July 2013 53
Slide 75: Hierarchy of Needs applied to Financial verticals' customers
Hierarchy of Needs applied to Financial verticals’ customers INSIGHT How Am I Doing? FORESIGHT What Should I Do? OVERSIGHT What Do I Have and Where Is it Going? 54
Slide 76: Threat: Aggregated or be aggregated
Threat: Aggregated or be aggregated. 55
Slide 77: PFM and BFM: Financial Well Being
PFM and BFM: Financial Well Being 56
Slide 78: PFM and BFM: How am I doing compared to others?
PFM and BFM: How am I doing compared to others? 57
Slide 79: #bcommerce Sell into Self Service channels
4 #bcommerce Sell into Self Service channels, and Improve Conversion in Origination
Slide 80: Disruption | Margin Pressure
Disruption | Margin Pressure 59
Slide 81: eCommerce for Banking
eCommerce for Banking Operate Self Service Channels with Amazon-like mindset 60
Slide 82: bCommerce and Digital Marketing
bCommerce and Digital Marketing 61
Slide 83: bCommerce: Campaign Management
bCommerce: Campaign Management 62
Slide 84: Spending in Marketing Technology
Spending in Marketing Technology 63
Slide 85: #timetoconnect #masscustomize A-la-carte and Full Outsource
#timetoconnect #masscustomize A-la-carte and Full Outsource
Slide 86: This is why they buy: Time-to-Market
This is why they buy: Time-to-Market 65
Slide 87: Why the Intellect Digital solutions: Mass Customized
Why the Intellect Digital solutions: Mass Customized
Slide 88: Embrace and Extend: Expand our eco system
Embrace and Extend: Expand our eco system.
Slide 89: Digital Product IP Superstore, or In-Store
Digital Product IP Superstore, or In-Store
Slide 90: Roadmap Acceleration and Market Alignment: Co-Creation
Roadmap Acceleration and Market Alignment: Co-Creation 69
Slide 91: Summary
Summary Customer Centric approach: Context Awareness will drive Interactions Deep focus: We have Product IP and Knowledge to get this right. Solutions are attached to customer’s business pains and ambitions. Validated: Perfect Product-Market Fit. Targeting segments with: best-of-breed and
Slide 92: Our Ambition
Our Ambition Help Financial Institutions to Accelerate their Digital Transformation through Productized Technology- and Design Innovation, and make them True Customer Centric, Business Aware and Emerge as a FinTech Leader. 71
Slide 93: Thank you
Thank you