Intellect Design Arena Ltd · NSE:INTELLECT
Intellect Design Arena — Investor Day (December 2021)
128 slides from Intellect Design Arena's investor day presentation, Dec 8, 2021
Slide 1: Invitation: Intellect Technology Day II 2021 - Presentations
Intellect/SEC/2021-22 08 th December 2021 1. National Stock Exchange of India Ltd., Scrip Code: Exchange Plaza, 5th Floor, Plot No. C/1, G Block, Bandra Kurla Complex, INTELLECT Bandra (E), Mumbai – 400 051. 2. BSE Ltd. Scrip Code: 1st Floor, New Trade Ring, Rotunda Building, PJ Towers, 538835 Dalal
Slide 2: Arun Jain, Chairman and Managing Director
Arun Jain Chairman and Managing Director
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 a
Slide 4: Purpose
Purpose INTELLECT 2.0 – 2018-2021 To provide Large Enterprise Grade Composable and Contextual solutions driving higher business growth, reducing cost and risk on sustainable basis. 3
Slide 5: Our Belief of Industry today
Our Belief of Industry today 3 dimensional complexity Our Proposition for the bankers today • With Intellect Open Finance Platform having 250+ • Supporting 4 generations Packaged Business Components(PBC’s) and 900+ API’s of Technology on Unified Data Model and Low coding Platforms, AI/ML algorithms,
Slide 6: Intellect – Building an Institution
Intellect – Building an Institution Principles of Intellect as a sustainable Institution 1 2 3 4 Strong Culture of Calibrated, Sustained Smart and Collaborative Contribute with our Design Thinking and Profitable team of deep Market, time - not just money provides continuous growth with high Banking,
Slide 7: Intellect's Journey
Intellect’s Journey INTELLECT 1.0 – 2015-2018 INTELLECT 2.0 – 2018-2021 Phase of growth and investment – Several Industrialization, Monetization and Products were in Stage # 2 and # 3 Customer Centricity • Investments in Product development – Cumulative • Aim is to move more Products to Stage # 4 an
Slide 8: 5 Stages to drive Sustainable and Scalable Product Business
5 Stages to drive Sustainable and Scalable Product Business 05 Partnerships, Strategic Alliances and Mining 04 Aggressive Selling It takes 3 years to move and Premium pricing from Stage 2 to Stage 4. Over 60% of our product 03 Design branding and investments deliver to marketing; Acquire first this
Slide 9: Intellect Value Framework
intellect’ S2shne' @©@ Design forDigtal_ | December 07, 2021 Framework
Slide 10: Intellect Value Framework
Intellect Value Framework C1 C2 C3 C4 C5 C6 Technology Customer Brand and Talent Execution Finance & Capital Capital Sales Capital Capital Capital Risk Capital We believe that it’s a 6 capital cube that drives value to Institution building and in turn drives value for all our stakeholders - Customer
Slide 11: Technology Capital
Technology Capital C1 Being a Technology Company, Intellect has 4 exponential technologies, 12 products and 4 Platforms. 10
Slide 12: Technology Edge - Low Coding Platform
Technology Edge - Low Coding Platform 7 Areas of driving Enterprise Grade Application C - Customer Experience technologies (Canvas and Turmeric) O - Operation Excellence Technologies (Turmeric and IDX) P - Performance (Cloud and MACH) A - Analytics Technologies (Canvas and FDS R - Proactive risk man
Slide 13: Evolution from Technologies to Marketplace
Evolution from Technologies to Marketplace Data Model Cloud 3rd Party Participants Technology Products Platforms + FinTech Marketplace - Stack FinTech Ecosystem 12
Slide 14: Technology shifts that favour Intellect
Technology shifts that favour Intellect Segregation of Shift from Shift to Open APIs as medium of UX Layer from On Premise Architecture Data Exchange Business Logic – to Cloud Headless Architecture Emergences of Predicting Trends MACH as defacto Fintechs and and Investing standard Market Place proac
Slide 15: The Complete Data Insights Technology
The Complete Data Insights Technology D D Leverage Data and AI as a Service through API A A T T A A C S Intelligent O Intelligent Web Customer Document Big Data O Extraction (IWX) Data Lake N Extraction (IDX) U D1 D2 D3 D4 S R U C M E Data Governance E Data Accuracy Data Science Algorithms S & Packa
Slide 16: iTurmeric Technology – Enabling the Ecosystem
iTurmeric Technology – Enabling the Ecosystem Ecosystem Marketplace Fintech ISV Partners Bank’s Ecosystem Channels Turmeric Back Office Experience Integration & Developer API Exchange API Studio Studio Orchestration Sandbox T1 T2 T3 Studio T4 T5 Payments … Commercial Core Lending Cards Corporate Oth
Slide 17: iTurmeric Technology – Marketplace Enabler
iTurmeric Technology – Marketplace Enabler Open Omnichannel UX Corporates Partners FinTechs Developers Banking Experience API Developer T3 Studio T1 Exchange T5 Sandbox T2 API Studio + T4 Integration Studio Bank’s Back Office Systems IDC LMS Trade Finance Capital Alpha Intellect GL CRM Products IDL
Slide 18: Intellect Fin Cloud – Reference Architecture
Intellect Fin Cloud – Reference Architecture Datastores Data Streaming Languages & Container Repo / CI / CD API C5 Warehouse Frameworks Registry App Defn + Gateway C6 Observability Application Development Tracing C4 Orchestration & Scheduling Service Mesh Orchestration & Management Monitoring Operat
Slide 19: Reference Architecture – C5 Application Development
Reference Architecture – C5 Application Development Datastores Data Warehouse Streaming Languages & Frameworks C5 Application Development Container Registry Repository / App Defn CI / CD API Gateway 18
Slide 20: How do Intellect's Products differentiate?
Products How do Intellect’s Products differentiate? Functional depth Contextual Solutions Technology and breadth Contextual, curated solutions Differentiated through unified Comprehensive repertoire of that address the specific Market architecture, MACH compliance PBCs – Packaged Business needs of a
Slide 21: Products
Products IDC CBX Trade & SCF Quantum Liquidity Treasury Digital Lending DTB Underwriting Digital Cards Payments Wealth
Slide 22: Products and Platforms
Products and Platforms 3 Products - emerged as Category Leaders Products/Platforms - would power Next Growth Cycle 45 customers Liquidity 56 countries Payments Proven with Advanced Market customers $ 4 Trillion cash every year Launched earlier this year, DTB/ 60 Customers in Middle East and Asia iKr
Slide 23: Platforms
Platforms 1 2 iKredit360 CashPower 22 3 4 Xponent GeM 22
Slide 24: Customer Capital
intellect’ 525/010" 8 Design for Digital | December 07, 2021 Customer Capital 23
Slide 25: Customer Capital
Customer Capital • Customer is where Intellect belief meets the reality of Value creation. • We love Demanding Customers who challenge our limits of Imagination and thus drive that ‘Edge’. • Intellect Products have been chosen leaders of each market which ensures comprehensive Functional depth and A
Slide 26: Customer Assets
Customer Assets 260+ Active Customers more than Customers more than Customers $ 1 mn doubled from $ 3 mn nearly trebled FY15 to FY21 from FY15 to FY21 Average first year revenue $ 76 MN Revenues from $ 111 MN Revenues from realization from new Top 10 Customers Top 20 Customers Customer acquisitions
Slide 27: Lifetime Value of Key Customers
Lifetime Value of Key Customers Customer # 1 Customer # 2 Customer # 3 Customer # 4 150000 56981 60000 34027 114553 60000 40000 42382 100000 40000 30000 40000 50000 20000 20000 20000 10000 0 0 0 0 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY15 FY16 FY17 FY18 FY19 FY20 FY2
Slide 28: Lifetime Value of Key Customers
Lifetime Value of Key Customers Customer # 9 Customer #10 Customer #11 Customer # 12 30000 30000 30000 17243 23625 22855 21807 20000 20000 20000 20000 15000 10000 10000 10000 10000 5000 0 0 0 0 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY15 FY16 FY17 FY18 FY19 FY20 FY21 F
Slide 29: Brand and Sales Capital
: Technol intellect’ Day” @©@ Design for Digtal | December 07, 2021 Brand and Sales Capital 28
Slide 30: Brand Capital
Brand Capital • Ability to win large and prestigious deals in Advanced markets. • Created new Fresh Premium brand for Enterprise grade products among chosen 1000 Bank and Insurance market. • Created Intellect GTB Oxford School of Transaction Banking to drive Thought leadership - led by Andrew Englan
Slide 31: Accolades
Accolades • #1 in Retail Banking, #1 Corporate Banking and #1 Insuretech by IBS Sales League Table 2021 • #1 In AI/ML platform by Novarica. • Won 7 awards for creating value for our customers in last 18 months. • Liquidity, DTB and Quantum Banking in Leadership quadrant 30
Slide 32: Global IBS Sales League Table 2021
Global IBS Sales League Table 2021 • Best Retail Payments System implementation: Best Adoption of Tools & Governance @ Janata Bank • Most Effective Digitization / Paperless Initiative: Best Project Implementation @ Janata Bank, JBL Ltd • Best Transaction Banking Implementation: Most Impactful Projec
Slide 33: Analyst ratings and leadership recognition
Intellect Design - PSH (Payments Services Hub) rated "LEADER" in The Omdia Intellect Design - Capital Sigma and Capital Cube rated as "Category Universe: Selecting a Payment Hub Leaders“ in Chartis FinTech Quadrant Intellect Design rated "Global Players" (Among Top 8 Globally) in Forrester Global Ba
Slide 34: Intellect's Market Opportunity – Americas
Intellect’s Market Opportunity – Americas • The US Market presents opportunities for Hyperscale Corporate Banking OS/ Liquidity/Virtual Accounts/ Escrow and Data/ Underwriting ‒ Presents a $ 1b opportunity ‒ Recently won deals for Liquidity/ Escrow Digital with Tier 1 Banks in the US, on a true clou
Slide 35: Intellect's Market Opportunity – Europe
Intellect’s Market Opportunity – Europe • Europe has been the forte for the iGTB Business, with customers in the UK. ‒ iGTB expanded its footprint to Spain , Sweden, France and Austria , building a strong reference for Liquidity, Payments and Trade Finance. Set to expand further into the Nordics as
Slide 36: Growth Markets (Middle East, Asia and Africa)
Growth Markets (Middle East, Asia and Africa) • Digital Transaction Banking (DTB) is the clear Market leader with nearly 50 installations across Growth Markets. Top 8 of 9 Banks in GCC are Intellect customers • Lending suite from the iGCB Business, RM Office from the iWealth Business and Capital Cub
Slide 37: Sales Capital
Sales Capital • Very seasoned and senior sales Leadership closer to Customer. • London Office is staffed with over 50 senior profiles for catering to Europe business at the Financial district of Canary Wharf. • US Office is led by Uppili Srinivasan and Jim McKenney staffed with over 30 Senior leader
Slide 38: Partnership Ecosystem
Partnership Ecosystem Strategic Partners - IBM, Country specific 25 partnerships Microsoft, AWS, Partners in 18 with Fintech Hexaware countries companies 37
Slide 39: Real, Rich Funnel
Real, Rich Funnel The current funnel of Intellect (INR Mn) 48,084 ($649 mn) Q2 FY22 46,302 ($ 628 mn) Q1 FY22 40,181 ($ 540 mn) Q2 FY21 41,490 ($ 560 mn) 38,118 ($ 517 mn) 30,285 ($ 407 mn) is accounted by 156 is accounted by 150 is accounted by 117 opportunities opportunities opportunities DESTINY
Slide 40: Talent Capital
. Technolo: intellect? bay?” 8 Design for Digital | December 07, 2021 Talent Capital 39
Slide 41: Talent Capital
Talent Capital • The foundation of Intellect is about people who have not written their resume in their life or after they joined Intellect! • Intellect celebrates talent with ability to challenge status quo and commitment to deliver the new belief. • Two Institutional frames - 35 member Partnership
Slide 42: Board of Directors
Board of Directors Arun Jain Anil Verma Andrew England Chairman & Executive Director Non-Executive Director Managing Director Arun Shekhar Aran Abhay Gupte Vijaya Sampath Independent Director Independent Director Independent Director 41
Slide 43: Strategic Advisors
Strategic Advisors Andrew England Dave Ravell Prabal Basu Roy Pradeep Kapur Director & Head of Strategy, Growth Advisory Board, iGTB Advisor to Chairman Strategic Advisor UK, iGTB Sanjeeb Chaudhuri Swarup Choudhury Theodore Roosevelt Vikram Sud Growth Advisory Board, Strategic Advisor Malloch Growth
Slide 44: Leadership Team
Leadership Team Arun Jain Manish Maakan Rajesh Saxena Banesh Prabhu Chairman & Chief Executive Officer Chief Executive Officer Chief Executive Officer, Managing Director Intellect Global Transaction Intellect Global Consumer Intellect SEEC Banking Banking TV Sinha Jaideep Billa Anil Verma Debanjan K
Slide 45: Leadership Team
Leadership Team Krishna Rajaraman Venkateswarlu Saranu Padmini Sudha Chief Technology Officer Chief Financial Officer Chief Talent Officer Gopalakrishnan Global Head – Quality Debal Dutt Ramanan SV Kannan Ram Chief Marketing Officer Chief Executive Officer, Global Head- Partnerships India and South
Slide 46: The Intellect Way of doing things
The Intellect Way of doing things. • Design Thinking in our DNA • Passionate about R & D/innovation • Lakshya, our visioning exercise • Circle time: Encourage diverse thoughts but keep the tribe together. • The most approachable leadership 45
Slide 47: Execution Capital
: Technol intellect’ Day” @©@ Design for Digtal | December 07, 2021 Execution Capital 46
Slide 48: Execution Capital
Execution Capital Principles • Based on design Thinking principle. Last 2% detailing drives 200% throughput. • Comprehensive Delivery excellence Framework -D1-D7 Framework • Driving reduction in Digital Transformation cycle time 30% year on year by application of design thinking. • Extremely low def
Slide 49: Finance Capital
: Technol intellect? bay?” 8 Design for Digital | December 07, 2021 Finance Capital 48
Slide 50: Finance Capital
Finance Capital Investment Driving Business Focus on Thruput on Cash Flows EBITDA Growth ARR Growth R&D dollars Growth 49
Slide 51: Its time to get to Financial Numbers..
Its time to get to Financial Numbers.. • Large deals signups and focus on Destiny deals resulted in accelerating revenue Growth to 22%. • Zero debt Global Fintech Company. Net cash moved from Net Debt of 114 Cr to 257Cr positive. • Higher quality execution drives higher license linked revenues growt
Slide 52: QoQ Financial Highlights
intellect’ pes"°!°oY QoQ Financial Highlights senimntenes | camber 7201 Quarter's figures Q1FY20 Q2FY20 Q3FY20 Q4FY20 QiFY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 TOTAL REVENUE 342.8 326.6 319.5 358.0 345.9 3718 382.2 397.6 408.3 452.1 License 55.4 425 49.1 100.4 60.0 98.2 91.0 85.5 79.2 86.9 SaaS 23.3
Slide 53: LTM Financial Highlights
LTM Financial Highlights LTM Figures QIFY20 Q2FY20 Q3FY20 Q4FY20 QiFY21 TOTAL REVENUE 1,494 1,440 1,384 1,347 1,350 License 326 260 233 247 252 SaaS 83 95 106 122 137 AMC 231 240 245 252 266 Impl 854 844 800 726 695 Licensed Linked Revenue 640 595 584 621 655 LLR % Total Revenue 43% 41% 42% 46% 48%
Slide 54: In Summary
intellect’ Beshne! @©@ Design forDigtal_ | December 07, 2021 53
Slide 55: Summary
Summary • We continue our strategy of Calibrated Growth with predictable profitability • Going deeper with Strategic Customers • Getting wider with more customer in existing market and • Getting wider with platforms in new markets • Building Network of Partners for driving platform Growth 54
Slide 56: intellect’ bay”
intellect’ bay” @88 Design for Digital December 07, 2021
Slide 57: Intellect Technology Day II – iGTB
Intellect Technology Day II iGTB Manish Maakan, CEO
Slide 58: Agenda
AGENDA A B C D iGTB OUR NEW MARKET WHY PRODUCT BUSINESS TRENDS WE WIN PILLARS PROPOSITION 57
Slide 59: Our Investments in Modern Cloud Platforms
iGTB A PRODUCT PILLARS Our Investments in Modern Cloud Platforms Ready to Fast Forward to Digital Next Digital Transaction Banking iGTB is Powered by Composable, World’s First Integrated Digital Transaction Banking Enterprise Platform delivering Omni-Channel Cash & Trade Product Processors Contextua
Slide 60: Digital Transaction Banking
iGTB A1 PRODUCT PILLARS DIGITAL TRANSACTION BANKING DTB 34 60 Advanced AI Mountaineers in Corporate Banking, Cloud-ready Digitizing Accounts Receivables, Banks as solution Frontrunners, Leader in IDC marketscape, available worldwide, end-to-end banking solution CLOUD PLATFORM # COUNTRIES # CUSTOMERS
Slide 61: Liquidity Management System
iGTB A2 PRODUCT PILLARS LIQUIDITY MANAGEMENT SYSTEM LMS • iGTB clients regularly win awards for best-in- 56 45 class liquidity Cloud-ready • Recent Aité Fireside Chat with iGTB & BNY solution Mellon available • IDC: “Covid-19 forced CFO focus on liquidity. CLOUD PLATFORM In response, 65% of corporat
Slide 62: Contextual Banking Exchange (CBX)
iGTB A3 PRODUCT PILLARS CONTEXTUAL BANKING EXCHANGE CBX # COUNTRIES 55 # CUSTOMERS 61 AI + MACHINE LEARNING Cloud-ready solution available CLOUD PLATFORM ANALYST COVERAGE STAGE 3 The contextual, composable hyperscalable, trendsetter Contextual Banking Experience built leveraging KEY FUNCTIONALITY DI
Slide 63: Payment Services Hub
iGTB A4 PRODUCT PILLARS PAYMENT SERVICES HUB PSH Ovum: best choice for tactical short term 30 39 solution & building blocks of longer term foundation Under Among global top 12 payment vendors construction worldwide in CEB (Gartner) report AI + MACHINE LEARNING CLOUD PLATFORM # COUNTRIES # CUSTOMERS
Slide 64: Trade & Supply Chain Finance
iGTB A5 PRODUCT PILLARS TRADE & SUPPLY CHAIN FINANCE TSC CBX Trade Finance judged best-in-class 11 22 for corporate client services in CEB report Assessed by Aité as 10% market share Cloud Judged a leader by IDC AI + MACHINE LEARNING CLOUD PLATFORM deployable # COUNTRIES # CUSTOMERS ANALYST COVERAGE
Slide 65: Hyperscaling the business model: Product to Platform
Hyperscaling the business model Product to Platform… 64
Slide 66: iGTB CashPower '22
iGTB.....-. , CashPower ’22 iGTB intellect’ pechnology ©88 Designtordigtal_ | December 07, 2021 = 2® Model Bank New eXperiences. True creativity. iGTB Cloud CashPower ’22
Slide 67: Market Trends
B MARKET TRENDS 1. Banks earned nearly $1tn from commercial in 2020 2. Need for Innovation to support Small Business Banking 3. Corporates & Regulators pressure banks to transform their technology 4. COVID-19 has pushed technology and transformed business forever 5. Corporate Banking Global IT spend
Slide 68: Banks earned nearly $1tn from commercial in 2020
B1 MARKET TRENDS Banks earned nearly $1tn from commercial in 2020 McKinsey: Global Payments revenues will be back to growing 6-7% Domestic & Cross-Border Payments and Account-related Liquidity are the key revenue pools for commercial banking Source: McKinsey 67
Slide 69: Need for Innovation to support Small Business Banking
B2 MARKET TRENDS Need for Innovation to support Small Business Banking Need to REINVENT by applying Design Thinking 68
Slide 70: Corporates & Regulators pressure banks to transform their technology
B3 MARKET TRENDS Corporates & Regulators pressure banks to transform their technology 7- 8% 1.1m 16% $3.5bn growth risky CRs corporates corporate spend switched bank SME Growth Regulatory Customer Demand for • Focus on SME is • Regulators worldwide, growing concerned on Experience APIs • Cloud trans
Slide 71: COVID-19 has pushed technology and transformed business forever
B4 MARKET TRENDS COVID-19 has pushed technology and transformed business forever 3x likelier now than before the crisis to say that at least 80 percent of their customer interactions are digital in nature Source: McKinsey 70
Slide 72: Corporate Banking Global IT spend Growing
B5 MARKET TRENDS Corporate Banking Global IT spend Growing $7.6bn 2022 Application Spend $46.9bn projected 2022 projected $55.5bn $9.3bn 2025 Application Spend 2025 projected projected Source: Omdia 71
Slide 73: SaaS Cloud spend growing to 25% of on-prem applications spend
B6 MARKET TRENDS SaaS Cloud spend growing to 25% of all on-prem applications spend $2.3bn 2025 Shift to Buy vs Build Source: Omdia 72
Slide 74: Our Business Proposition
Our Business Proposition 73
Slide 75: New Business Proposition
C New Business Proposition 1. Consumerization of Commercial Banking 2. iGTB Cash Cloud Platform 3. Three distinct Composable Market Offerings 4. Hyperscaling the Business Model 74
Slide 76: Consumerization of Commercial Banking
NEW C1 BUSINESS PROPOSITION Consumerization of Commercial Banking Composable User Experience Real time Contextuality (AI/ML) Self service enablement Branding and product packaging “On Tap” Functionality extensions on a SaaS Cloud 75
Slide 77: iGTB Cash Cloud Platform
NEW C2 BUSINESS PROPOSITION iGTB Cash Cloud Platform 76
Slide 78: iGTB Cash Cloud on SaaS: 3 Composable Market Offerings
C3 NEW BUSINESS iGTB Cash Cloud on SaaS PROPOSITION 3 distinct Composable Market Offerings CashPower CashXtra SCALE SCALE MID-LARGE CORPORATES CashNow REJUVENATE SME BANKING INNOVATE INNOVATE MODULES 1.Account Services 8. Liquidity BUSINESS BANKING MODULES - Advance 9. H2H 2. Payments – 10. Dashboar
Slide 79: Hyperscaling the Business Model
C4 NEW BUSINESS Hyperscaling the Business Model PROPOSITION 1,000 banks in 70 countries In Partnership with Microsoft 78
Slide 80: 7 reasons why we WIN
D 7 reasons why we WIN 1. Recognized Leadership Position in the Market 2. Customers as Promoters – High NPS 3. Market Ready Cloud Technology 4. Open Banking APIs for Financial Ecosystem 5. Execution Track Record - Agility in Implementation 6. Commercial Proposition – PAYG with 40% lower TCO 7. Exclu
Slide 81: Our Leadership Position In The Market
D1 REASONS WHY WE WIN Our Leadership Position In The Market ranked # 1 Best Selling Wholesale Banking – Transaction Banking Solution in the world 2 years in a row 80
Slide 82: Leadership Endorsed by 12 Market Leading Analysts
D1 REASONS Our Leadership Position is Endorsed by WHY WE WIN 12 Market Leading Analysts
Slide 83: Our Customers are our Big Promoters
D2 REASONS WHY WE WIN Our Customers are our Big Promoters 2020 NPS Score of 60 82
Slide 84: Customers recognised as Technology Transformation Leaders
D2 REASONS WHY WE WIN Our customers are being recognised as Technology Transformation Leaders Emirates NBD bags Celent Model Bank Award We looked worldwide, for platforms that could serve for cash & digital transaction banking channel corporates. If those platforms that actually existed, that transf
Slide 85: Market Ready Cloud Technology – Contextual Banking Operating System
D3 REASONS WHY WE WIN Market Ready Cloud Technology Contextual Banking Operating System (CBOS) Composable Contextual Connected Delivered with a thoughtful Delivering a more personal, value- A connected & robust library of reference UX, and supporting a added Contextual interactions with Experience A
Slide 86: Open Banking APIs for Financial Ecosystem and Integration Readiness
D4 REASONS WHY WE WIN Open Banking APIs for Financial Ecosystem and Integration Readiness with Leading Core banking API ECOSYSTEM 85
Slide 87: Execution Track Record – iZoom Implementation 3X faster
D5 REASONS WHY WE WIN Execution Track Record Agility - iZoom Implementation 3X faster 1 • BUSINESS ACCELERATORS Market specific Product Awareness Session 10-25 • Product deployed in cloud with MData & PData • Onboarding templates • Regression test packs Weeks# • Interface configurations 2 Be up & ru
Slide 88: Commercial Proposition – PAYG with 40% lower TCO
D6 REASONS WHY WE WIN Commercial Proposition PAYG with 40% lower TCO PAY-AS-YOU-GROW Simplified, flexible pay-as-you-grow pricing that allows banks to tailor their business models with corporates & Using the right SMEs cloud solution matters UPTO 40% REDUCTION IN YOUR IT OPERATIONS COSTS covering AM
Slide 89: Exclusive Transaction Banking focus & Fragmented Competition
D7 REASONS WHY WE WIN Exclusive Transaction Banking focus & Fragmented Competition AMERICAS EUROPE MIDDLE-EAST ASIA 88
Slide 90: Rajesh Saxena, CEO Global Consumer Banking
Rajesh Saxena Chief Executive Officer Global Consumer Banking
Slide 91: Retail Banking Agenda
Agenda 1 Size of the Market & Retail Banking Trends Retail Banking 2 Our Strategy for Growth (Recap) 3 iKredit 360 Platform 4 Why iKredit 360 Platform ? 5 Tentative iKredit 360 Platform Revenue Model 90
Slide 92: Size of the Market & Retail Banking Trends
Chapter 1 (Recap) Size of the Market Retail Banking Trends Intellect Addressable Market - $ 10.8 Bn, growing at a CAGR of 10% 91
Slide 93: Huge Headroom for growth exists for Intellect Retail Banking
Huge Headroom for growth exists for Intellect Retail Banking $60 Bn SAAS Revenue TOTAL ADDRESSABLE MARKET 40% TAM $18 Bn CHANGE THE BANK MARKET CBM 15% $10.8 Bn INTELLECT SERVICE SAM ADDRESSABLE MARKET FY 21 FY 25 CAGR – 10 % FY 2025 - $ 15.81 Bn Source – IBS, Ovum and Internal Estimates 92
Slide 94: Retail Banking Trends
Chapter 1 (Recap) Retail Banking Size of the Market Trends 61% of bankers say a customer-centric business model is “very important”. Only 17% are “very prepared” for it Source: PWC 93
Slide 95: Key Patterns in Retail Banking Technology
Key Patterns in Retail Banking Technology 1 Top Trends – Retail Digital Customer Experience Banking Industry 2 Open API & Cloud Native Architecture 58% Removing friction from the Customer Journey 3 Cloud/SaaS 43% Use of Big data, AI, AA and cognitive computing 4 Agility & DevOps 33% Use of APIs and
Slide 96: Our Strategy for Growth (Recap)
Chapter 2 - Our Strategy for Growth (Recap) Technology Architecture Europe Product Growth Engines Marketplace Calibrated, Consistent and Profitable BAU Growth trajectory with exponential opportunity to grow revenue in Advanced Markets (Europe) 95
Slide 97: Product Growth Engine 1: IDC
Product Growth Engine 1 : IDC 21 • CSP Agnostic ( AWS, Azure, IBM ) • Composable Business components • Fully integrated product suite • BIAN Compliant APIs 06 01 • Composable Services - Deposits, Teller, GL, CASA, CBX-C, CBX-R, IDL, Trade Finance, AML & Treasury Cloud Native Digital 360 • Apps for r
Slide 98: Product Growth Engine 2: IDL
Product Growth Engine 2 : IDL 21 • Fully Integrated Lending Suite across Retail, • Containers based deployment managed SME and Corporate by Kubernetes for extreme scale 06 01 • Composable Components– Origination, • Multi-Tenant & Multi-Lingual Cloud Integrated Loan Mgmt, Collateral & Limits Mgmt, Na
Slide 99: Product Growth Engine 3: Digital Bank
Product Growth Engine 3 : Digital Bank DNA of a Lifestyle Digital Bank
Slide 100: Our Strategy for Growth (Recap)
Our Strategy for Growth (Recap) Technology Europe Architecture Product Growth Engines Marketplace Calibrated, Consistent and Profitable BAU Growth trajectory with exponential opportunity to grow revenue in Advanced Markets (Europe) 99
Slide 101: Europe Strategy
Europe Strategy Building Solution, Delivery and 1 hosting capabilities in Germany and UK Build Referenceable clients in UK, 2 Nordics & Germany Europe Fully Hosted IDC Solution in AWS 3 Germany and UK. Azure, Google Cloud Ready Whitespace in Credit. Launch of 4 iKredit 360 Platform in July 2021 100
Slide 102: iKredit360 Platform
Chapter 3 iKREDIT 360 PLATFORM Expanding our Addressable market by launching iKredit 360 platform 101
Slide 103: The World of Credit is changing rapidly
The World of Credit is changing rapidly The Battle to ▪ Product thinking to Ecosystem thinking “OWN’’ the Customer ▪ Transactions to Experience ▪ Parallel tracks to interconnected tracks ▪ Mass lending to My Lending ▪ TAT – from Days to minutes The Battle to The Battle to replicate the FAANG Expand
Slide 104: Launching iKredit360 Platform
Launching iKredit 360 Platform Welcome to the world of Open Finance Platform : iKREDIT360 Composable, Credit360 & Cloud Technologies Allows financial instructions to compose any credit experience for your customers
Slide 105: iKredit360 video
https://vimeo.com/556481876 104
Slide 106: Scenario 1: Point of Sale Financing
SCENARIO 1 POINT OF SALE FINANCING 1. Apps/ Channel UI 1.1 Customer Self 1.2 Relationship 1.3 Sales 1.4 Field 1.5 Field Service App Manager App Agency App Verification App Collection App 2. Back Office Functions 2.1 Credit 2.2 Credit 2.5 Legal and 2.7 Document Decisioning 2.3 Policy checks 2.4 Asset
Slide 107: Scenario 2: SME Lending
SCENARIO 2 SME LENDING 1. Apps/ Channel UI 1.1 Customer Self 1.2 Relationship 1.3 Sales 1.4 Field 1.5 Field Service App Manager App Agency App Verification App Collection App 2. Back Office Functions 2.1 Credit 2.2 Credit 2.5 Legal and 2.7 Document Decisioning 2.3 Policy checks 2.4 Asset 2.6 Contact
Slide 108: Scenario 3: Inventory Finance
SCENARIO 3 INVENTORY FINANCE 1. Apps/ Channel UI 1.1 Customer Self 1.2 Relationship 1.3 Sales 1.4 Field 1.5 Field Service App Manager App Agency App Verification App Collection App 2. Back Office Functions 2.1 Credit 2.2 Credit 2.5 Legal and 2.7 Document Decisioning 2.3 Policy checks 2.4 Asset 2.6 C
Slide 109: Why iKredit 360 Platform?
Chapter 4 iKredit360 empowers financial institutions to Why expand and extend their iKredit 360 credit experiences to Platform ? become the primary engagement point for their customers 108
Slide 110: 6 Reasons for iKredit 360 Platform to win
6 Reasons for iKredit 360 Platform to win ? Custom built for Europe. Current focus - Nordics & Open API and Cloud Native Ready platform with Germany with Architecture facilitates quick regulatory and local Referencable clients Customer on boarding interfaces Competitors carry legacy PAAS & Price dis
Slide 111: Bringing it all together. In myriad ways.
IDC Composability Choose based on need: Pre-stitched for Standard user journeys Compose to Curate new business possibilities Bringing it all together. In myriad ways.
Slide 112: iKredit360 - PBC Landscape
iKredit360 - PBC LANDSCAPE 1. Apps/ Channel UI 1.1 Customer Self 1.2 Relationship 1.3 Sales 1.4 Field 1.5 Field Service App Manager App Agency App Verification App Collection App 2. Back Office Functions 2.1 Credit 2.2 Credit 2.5 Legal and 2.7 Document Decisioning 2.3 Policy checks 2.4 Asset 2.6 Con
Slide 113: iKredit360 – Curated for Partner Settlement
iKredit360 – Curated for Partner Settlement 1. Apps/ Channel UI 1.1 Customer Self 1.2 Relationship 1.3 Sales 1.4 Field 1.5 Field Service App Manager App Agency App Verification App Collection App 2. Back Office Functions 2.1 Credit 2.2 Credit 2.5 Legal and 2.7 Document Decisioning 2.3 Policy checks
Slide 114: iKredit360 – Partner Settlement – L1 view
iKredit360 – Partner Settlement – L1 view Product Configuration Partner Setup Credit Cards Retail Loans Partner Partner Group Franchise Stores Campaigns TStores &C Stores Eligibility Stores Stores Stores Stores Malls E-Com Product Catalogue & Contract Definitions Segments, Industry, Category, … Sett
Slide 115: iKredit360 – Composability Enabled Through iTurmeric
iKredit360 – Composability Enabled Through iTurmeric Omnichannel UX Corporates Open Banking Partners FinTechs Developers Experience API Developer T3 Studio T1 Exchange T5 Sandbox T2 API Studio T4 Integration Studio iKredit360 Origination Limits Loan Cards Payments CRM PBCs Management Management Bank
Slide 116: iKredit360 Composability – Enablers for Art of Possible
iKredit360 Composability – Enablers for Art of Possible - Summary Composable Cloud Native Contextual Over 100 PBCs supported by MACH Ready Architecture Open APIs & Business Events for bi- Intellect Digital Core directional data flow Best in class Features Future Ready Real-time Ready to go Open Arch
Slide 117: Intellect SEEC – Banesh Prabhu, CEO
Intellect SEEC Banesh Prabhu, CEO
Slide 118: Intellect SEEC Management Team
Intellect SEEC Management Team Banesh Prabhu James McKenney Laila Beane Sandeep Tandon Chief Executive Officer, Chief Strategy Officer & Chief Customer Officer Chief Technology Officer- Intellect SEEC Products Business Head Head of Consulting Americas Hari Menon Deepak Dastrala Hitesh Arora Sriram N
Slide 119: Discussion Path
Discussion Path • Our Value Prop • Underwriting Complexity & Business Transformation Opportunity • Intelligent Platform Capabilities • US Commercial Insurance Opportunity • Potential to Scale our Platform as a Service (PaaS) 118
Slide 120: A Commercial Lines Modernization Partner
A Commercial Lines Modernization Partner Our Value Prop We partner with Commercial lines insurance carriers to modernize legacy platforms to enable profitable growth by bringing a broad set of solutions via our Platform as a Service supported by industry leading insurance subject matter experts. Sol
Slide 121: Our Solutions Enable Carriers' Profitable Growth
Our Solutions Enable Carriers’ Profitable Growth Industry Legacy Challenges Intellect PaaS Submission Intake Intake teams take between 24 hrs to Intake triage cost reduced by 70% and manually process data from broker speed to process improved by 87% submission documents Submission Triage All submiss
Slide 122: Composable & Contextual Underwriting Platform
Composable & Contextual Underwriting Platform
Slide 123: Composing a User Journey on Underwriting Platform
Composing a User Journey on Underwriting Platform SOV Processing User Journey Broker email request Email Poller and Base Document processor Email Poller Classifier Commercial Property Company report Email Processor Email Extractor Location Report Email Classifier SOV Sheet Extraction Email & SOV cla
Slide 124: North American market is a meaningful opportunity
North American market is a meaningful opportunity There is a material opportunity with nearly all carriers needing modernization in some form The global commercial insurance market was valued at $692 billion in 2020, and is projected to reach $1.61 trillion by 2030, growing at a CAGR of 9.7% from 20
Slide 125: We have a solid foundation to grow from
We have a solid foundation to grow from We are actively engaged with 9 carriers with SaaS relationships, including one of the top 3, and have a strong pipeline to move forward. Our SaaS Customers Profile of our target conversions over next quarter Prospect 1 Top 5 carrier GWP $17B GWP $580M GWP $840
Slide 126: Our solutions are broader than our competition
Our solutions are broader than our competition We are well positioned in comparison to competitors with the broadest solution offering in the industry Magic Submission Risk Analyst Xponent Intake & Routing Data Enrichment Quote & Underwrite 125
Slide 127: Awards and Accolades
Awards and Accolades Our brand is well positioned, and we are ready to grow Intellect Design featured amongst leading RPA players in Celent's report "What vendors see for the Future of Robotic Process Automation in Insurance" Silicon Review: Intellect SEEC named 5 Best Insurtech Companies to watch i
Slide 128: intellect’ bay”
intellect’ bay” @88 Design for Digital December 07, 2021
Intellect Design Arena — Investor Day (December 2021) on 6ix