Intellect Design Arena Ltd · NSE:INTELLECT
Intellect Design Arena — Investor Day (June 2021)
176 slides from Intellect Design Arena's investor day presentation, June 2021
Slide 1: Global IBS Sales League Table 2021
Global IBS Sales League Table 2021 Ranks Intellect #1 in three categories of the Financial Sector The Contextual Composable Cloud Technology Conversations
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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
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Slide 5: Table of Contents
Table of Contents 7 49 75 Technology, Products & Markets Composable Technology - Intellect Contextual Technology - Fabric Data Arun Jain Fincloud for Digital & Cloud Acceleration Platform and Intelligent Document Chairman and Managing Director Rajesh Makhija Extraction Chief Technology Officer, Deep
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Slide 7: Technology, Products & Markets
Technology, Products & Markets Arun Jain Chairman and Managing Director 7
Slide 8: 5 Phases of Technology Evolution
5 Phases of Technology Evolution 8
Slide 9: Technology 1.0, 2.0, 3.0
Technology 1.0 Technology 2.0 Technology 3.0 Computing, Application, User Client Server Architecture Demand for Scale Experience - All in one place Segregating the Client vs Central repository of Inspiration from Netflix Monolith Mainframes Operating system/ Database layer and Amazon Role of Middlew
Slide 10: Technology 4.0 and 5.0
Technology 4.0 Technology 5.0 Introduction of Customer centric Design Thinking Empathetic design Need for Contextual Power of decision in the hands of the customer Needs of customer in Corporate Banking vs Need for Composability Retail Banking vs Wealth vs Insurance vs Capital Markets Introduction o
Slide 11: Intellect's Exponential Technologies
Intellect’s 4 Exponential Technologies 11
Slide 12: Four Exponential Technologies
Four Exponential Technologies Hyperscale Contextual / Corporate Banking AI/ML – Data Operating System Platform 02 01 Unified data architecture, API led design, Cloud native and configurable integration 04 03 iTurmeric API Intelligent Document Ecosystem Exchange IDX 12
Slide 13: The Complete Data Insights Platform
The Complete Data Insights Platform Leverage Data and AI as a Service through API D D A A T T A A C S Intelligent Web Intelligent Document Customer O O Big Data N Extraction (IWX) Extraction (IDX) Data Lake U D1 D2 D3 D4 S R U C M E E S Data Governance R Data Accuracy Data Science Algorithms & Packa
Slide 14: iTurmeric Platform – Enabling the Ecosystem
iTurmeric Platform – Enabling the Ecosystem Ecosystem Marketplace Fintech ISV Partners Bank’s Ecosystem Channels Turmeric Back Office API Exchange API Studio Experience Integration & Developer Studio Orchestration Sandbox T1 T2 T3 Studio T4 T5 Payments … Commercial Core Lending Cards Corporate Other
Slide 15: iTurmeric Platform – Marketplace Enabler
iTurmeric Platform – Marketplace Enabler Open Omnichannel Corporates Partners FinTechs Developers Banking UX 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 Pa
Slide 16: Intellect Fin Cloud Platform – Reference Architecture
Intellect Fin Cloud Platform – Reference Architecture + Datastores Data Streaming Languages & Contain Repo / CI / CD API Warehous e Frameworks er Registry App Defn Gatewa y C6 C5 Observability Application Development Tracing C4 Orchestration & Scheduling Service Mesh Orchestration & Management Monit
Slide 17: 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 17
Slide 18: Our Products
Our Products 18
Slide 19: Intellect – A Snapshot
Intellect – A Snapshot The world’s Full-spectrum FinTech 8012, Ranked #1 in largest cloud- banking and the world’s the world for Trusted by Pioneered native, API led, insurance first design both Retail and over 240 Design Thinking microservices technology center for Transaction financial to create b
Slide 20: 5 Stages to drive Sustainable and Scalable Product Business
5 Stages to drive Sustainable and Scalable Product Business Design branding and marketing; Acquire first 10 Customers 3 Aggressive It takes 3 years to move Winning first Selling and from Stage 2 to Stage 4. reference Premium pricing 2 4 Over 60% of our product investments deliver to this time frame.
Slide 21: Intellect's Journey
Intellect’s Journey INTELLECT 1.0 – 2015-2018 INTELLECT 2.0 – 2018-2021 Phase of growth and investment – Industrialization, Monetization and Several Products were in Stage # 2 Customer Centricity and # 3 • Aim is to move more Products to Stage # 4 and # 5 • Investments in Product development – • Ind
Slide 22: Intellect – Our Lines of Businesses
Intellect – Our Lines of Businesses Risk, Treasury Corporate Retail Insurance Digital Solution Platform & Capital Markets Banking Banking 22
Slide 23: Products overview
Products overview Digital Transaction Banking Digital Core Modular & open, omnichannel, Digital 360, real-time, context-aware complete front-to-back integration Digital Lending Contextual Banking Experience Instant credit, micro-segmentation, risk optimisation White Label Digital Transaction Banking
Slide 24: Products overview
Products overview Brokerage Solution (Capital Alpha) Underwriting (Xponent) Broker in a box, multi-asset, Pioneering deployment of Artificial Intelligence, multi-exchange Big Data and IoT to transform insurance Treasury and ALM (Capital Cube) Risk Analyst Real time Optimizer & Risk Manager Risk, Tre
Slide 25: Products overview
Products overview I-Turmeric First-of-its kind enterprise integration and transformation platform for banks to I-GOV progressively modernise to a API led, Cloud ready Full Spectrum Digital for Public architecture Sector Services Digital Platform IDX Fabric Data Platform powered with AI, ML- Solution
Slide 26: What is the FinTech Market Opportunity?
What is the FinTech Market Opportunity? 26
Slide 27: Global Fintech Market Opportunity
Global Fintech Market Opportunity 50% growth in Need to accelerate Fintech Product Tailwinds - ‘Buy’ Technology Change Software spend in business projected and Demand for replaces ‘Build’ - FinTech projected i.e. from $20 Bn Contextual, Moving from 7% to at - $300 Bn to $30 Bn between Composable 10%
Slide 28: What do our customers expect…
What do our customers expect… Digital Inside Highly secure Customer Experience Wiring of Operations to Hyperscale Cloud deliver consistently ensure high STP - Technology high quality experience contextual and intelligent that can be elastic at every touch point management of Business enough to suppo
Slide 29: MCP, MPC, MTC
to drive/address… MCP More Customers Per Product MPC More Products Per Customer MTC More Transactions Per Customer 29
Slide 30: Mapping products to Customers' Desirability and Viability
Mapping products to Customers’ Desirability and Viability 30
Slide 31: Intellect's Market Opportunity - Americas
Intellect’s Market Opportunity - Americas • The US Market presents opportunities for Hyperscale Corporate Banking OS/ Virtual Accounts/ Escrow and Data/ Underwriting ‒ Presents a $ 1b opportunity ‒ Recently won deals for Liquidity/ Digital with Tier 1 Banks in the US, on a true cloud native , API le
Slide 32: 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 and Austria , building a strong reference for Trade Finance product. Set to expand further into the Nordics as well. ‒ The Digital Portfolio of
Slide 33: 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. • Lending suite from the iGCB Business, RM Office from the iWealth Business and Capital Cube / Treasury from the iRTM Business have signifi
Slide 34: Our competition in these markets
Our competition in these markets Consumer Banking: Temenos, Finastra, TCS, Finacle, Oracle, Mambu, nCino and Thought Machine Insurance and Data: Transaction Banking: Carpe Data, Planck, Duck Finastra, ACI Worldwide, CGI Creek and Palantir and Bottomline Risk, Treasury and Markets: Sungard, Finastra
Slide 35: Why do we win?
Why do we win? 35
Slide 36: Our Winning Digital Strategy
What problems do we solve We address the global technology requirements of • Complexity of multiple generation of Technology - • Banks – Corporate and Enabling convergence and Retail Digital / Cloud transformation. • Financial Institutions – • Complexity of Customer data Central Banks, Non OUR WINNI
Slide 37: How do Intellect's Products differentiate?
How do Intellect’s Products differentiate? Contextual Solutions Contextual solutions that address the specific Market needs of a customer, rather than as a generic product offering Functional depth Technology and breadth Differentiated through unified Comprehensive repertoire architecture, API led d
Slide 38: Why does Customer Rely on Intellect?
Why does Customer Rely on Intellect? Deep technological expertise combined with Domain knowledge Reduced Implementation time lead by 01 application of Design Thinking 02 Faster POC supported by Intellect Technologies 03 High NPS with existing customers - increasing referenceability 04 Focus on Custo
Slide 39: What has been our Journey so far?
What has been our Journey so far? 39
Slide 40: Outcome of Designed Strategy
Outcome of Designed Strategy 01 Our investment in Products and Markets in Intellect 1.0 is paying off We have cumulatively invested over Rs. 1,200 Crs in Product 02 development 03 4 Products have each achieved a cumulative revenue of over Rs. 1,000 Crs each 04 Our cumulative License revenues are nea
Slide 41: Intellect's Market Performance
Intellect’s Market Performance We have direct presence in Cumulative investment of INR 16 countries and supported by 1,900 Crs in Sales & Marketing Partners in more countries. Cumulative revenue exceeds INR 6,000 Crs. In these countries 41
Slide 42: Flywheel effect
Flywheel effect - Increased Win ratio and Operating leverage power play Faster Implementation Increased Lower Cost Referenceability Increased wins and installations 42
Slide 43: Levers for Revenue growth
Levers for Revenue growth More Products per customer - by leveraging our existing Customer assets More Customers per New country Product - by winning more expansion customers based on our referenceability in key Geographies 43
Slide 44: New Growth drivers
New Growth drivers - apart from acceleration of Product monetization Data platform iWealth iGov and IDX Two Senior hires - Completed GeM GMV is one from the referenceable accelerating, which Insurance Industry multi-country will increase our and one from a Data implementations in earnings as an MSP
Slide 45: Product-Cloud-Data
Product-Cloud-Data 45
Slide 46: What does Cloud enable?
What does Cloud enable? #1 Lower capital outlay #4 Composable architecture #2 Faster customer onboarding #5 Longer tail revenues 10-15 years with potential upside based #3 Shared on volumes 1 infrastructure costs 46
Slide 47: Cloud & Data Roadmap
Cloud & Data Roadmap Integration of Success in data with Insurance more products business– Xponent / Underwriter Invested in workstation new oil – Our products are Data Cloud ready 47
Slide 48: Drivers for SaaS revenues
Drivers for SaaS revenues 1 2 3 4 Hyperscale AI Platform IDC GeM Digital Platform Currently leveraged by More deals in SaaS Expansion owing to Digital/ Payments/ Underwriting - can format acceleration of GMV Liquidity offered in horizontally expand to in GeM Portal Subscription model on other produc
Slide 49: Composable Technology - Intellect Fincloud
Composable Technology - Intellect Fincloud for Digital & Cloud Acceleration Rajesh Makhija Chief Technology Officer, Intellect Global Transaction Banking
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Slide 51: Agenda
Agenda 01 Why Cloud 02 CBX - Digital Acceleration Platform 03 iTurmeric - Cloud Acceleration Platform 04 iFinCloud – Intellect FS Cloud 51
Slide 52: 1. Why Cloud
1. Why Cloud 52
Slide 53: Why Cloud - For our Customers?
Why Cloud - For our Customers ? Business Elasticity & Reduced Agility Scalability Complexity 53
Slide 54: Why Cloud - for Intellect?
Why Cloud - for Intellect ? Innovation Operational Predictable Efficiency Revenues 54
Slide 55: 2. CBX – Digital Acceleration Platform
2. CBX – Digital Acceleration Platform 55
Slide 56: Digital Platform – Pain Points & Challenges
Digital Platform – Pain Points & Challenges Hyperscale Technology How can I seamlessly and cost effectively handle the increasing volumes and performance of my digital platform. Connected Experience Extensibility Can I have converged channel platform How can I progressively keep across brands, acros
Slide 57: Digital Platform – Desires & Aspirations
Digital Platform – Desires & Aspirations Service Amplifiers How can I facilitate contextual, personal and value added interactions through my channel platform. Own UI / UX Collaboration How can I design and compose my How do I collaborate with own UI/UX to drive customer desire Partners and FinTechs
Slide 58: CBX Digital Acceleration Platform – L0 View
CBX Digital Acceleration Platform – L0 View Corporate Customers Open Banking Partners / FIntechs Ecosystems UX (Mobile, Tablet, Web) Open APIs Channel APIs Domain Packs Account Corporate Collections Virtual Corporate Cash Flow Trade Supply Chain Services Payments Receivables Accounts Liquidity Forec
Slide 59: CBX Digital Acceleration Platform – L1 View
CBX Digital Acceleration Platform – L1 View Channel Horizontal Microservices Channel Limits Approvals Entitlements Predictive Insights Hyperscale Alerts & Channel Notifications Security Message Center Predictive Actions Datastore Cloud Native Foundation Microservices C B O S – Corporate Banking Oper
Slide 60: CBX Digital Acceleration Platform - Key Benefits
CBX Digital Acceleration Platform - Key Benefits Superior Customer Experience Rapid Time to Market Innovation • Modern UX and contextual • OOTB services that are easily • Enable partners to build capabilities. extensible. niche and innovate apps. • Extend, enhance or build your • Converged platform
Slide 61: 3. iTurmeric – Cloud Acceleration Platform
3. iTurmeric – Cloud Acceleration Platform 61
Slide 62: Cloud Acceleration Platform – Pain Points & Challenges
Cloud Acceleration Platform – Pain Points & Challenges Skill Sets How can I reduce the extensive build / test efforts for integrations that currently need proprietary skills to build and manage. Legacy Modernization High Costs How can I abstract the complexity of How can I reduce the cost of my lega
Slide 63: Cloud Acceleration Platform – Desires & Aspirations
Cloud Acceleration Platform – Desires & Aspirations Agility How do I increase my integration agility both for on-premise and cloud applications. Open APIs Marketplace How can I design, document How can I build a market and publish APIs as digital place from which innovative assets aligned to the bus
Slide 64: iTurmeric Platform – L0 View
iTurmeric Platform – L0 View Omnichannel UX Open Banking Partners / FIntechs Ecosystems Developers Experience API Developer T3 Studio T1 Exchange T5 Sandbox T2 API Studio + iTurmeric T4 Integration Studio Product Processors Bank’s Product Processors 64
Slide 65: iTurmeric Platform – L1 View
iTurmeric Platform – L1 View T2 – API Studio API Design API Documentation API Catalogue T4 – Integration Studio iTurmeric Message Templates Transformations Flow Orchestration Metadata Store Security Runtime Debugging Monitoring 65
Slide 66: iTurmeric Platform – Positioning Scenarios
iTurmeric Platform – Positioning Scenarios PS1 – Legacy System Modernization PS2 – Enterprise Integration Channels Channels APIs APIs iTurmeric iTurmeric 3rd Party Systems Legacy Systems of Record Products Bank Core Systems PS4 – Standalone Intellect CBX PS3 – Bank’s Own Channel Platform Channel Cha
Slide 67: iTurmeric Platform - Key Benefits
iTurmeric Platform - Key Benefits Future Proof Accelerated Marketplace Enabler Transformations • Light weight, extensible and • Standardization and reuse • Enable banks to low coding platform. resulting in faster time to collaborate & build value. marketplace, resulting in • Cloud native architectur
Slide 68: 4. iFinCloud – Intellect Financial Services Cloud
4. iFinCloud – Intellect Financial Services Cloud 68
Slide 69: Why iFinCloud – Goals
Why iFinCloud – Goals Multi-Cloud Standardization Automation Public cloud provider agnostic for Standardized tools, technologies, Deployment flexibility and cloud provisioning, deployment and processes and guidellnes for cloud automation by adopting best practices maintenance. operations. and learni
Slide 70: iFinCloud Platform – Reference Architecture
iFinCloud Platform – Reference Architecture C6 Logging Monitoring Tracing Observability Datastores Data Data Languages & Container Repo / CI / CD API Warehouse Streaming Frameworks Registry App Defn Gateway C5 Application Development C4 Orchestration & Scheduling Service Mesh Orchestration & Managem
Slide 71: iFinCloud DevSecOps – Accelerate Automation
iFinCloud DevSecOps – Accelerate Automation Theta 1 - 4 71
Slide 72: iFinCloud – Highest Standards of Security
iFinCloud – Highest Standards of Security Application Security Regulations & Compliance Information Data Protection Secure Configuration Security Regulations Management Identity and Access API Security Management Centralized Data Logging and Classification Monitoring PII Data Encryption & Hashing Da
Slide 73: iFinCloud - Key Benefits
iFinCloud - Key Benefits Extreme Agility Security & Compliance Reduced Costs • Reuse of assets and cloud best • Best practices in security across • Due to economies of scale practices within Intellect for the application, build and infra within Intellect. cloud operating model. layers. • Process eff
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Slide 75: Contextual Technology - Fabric Data Platform and IDX
Contextual Technology - Fabric Data Platform and Intelligent Document Extraction Deepak Dastrala Chief Technology Offer, Intellect SEEC
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Slide 77: Data has become the new oil
Data has become the new oil, providing massive opportunities to the Companies who can Gather, Control & Analyze data 77
Slide 78: An Avalanche of Data
AN AVALANCHE OF DATA 78
Slide 79: Every 60 seconds…
Data Facts : How world has changed? Every 60 seconds… 294 billion+ emails sent 350 million+ tweets 54 million messages shared 4.4 million+ Google searches Mainframe Client/server The Internet Big Data,Cloud,Mobility Kilobytes Megabytes Gigabytes Zettabytes 500 hours new video on YouTube 404,444 hour
Slide 80: Data Is exploding: beyond decimal system
Data Is exploding : We have gone beyond decimal system Geopbyte Brontobyte This will take us beyond 2025 This will be our digital universe 1030 our decimal system tomorrow 1027 2020 Yottabyte Zettabyte 1024 2015 1.9 ZB of network traffic this year is 1021 This is our digital universe today because o
Slide 81: Urgent Need
URGENT NEED 81
Slide 82: Engage 100% of data
Engage 100% of data : to gain competitive advantage Traditional Big Data enterprise data Accuracy and insight Dark data CRM ERP Data warehouse Web Social Log files Machine data Semi-structured Unstructured Data volumes 82
Slide 83: Solution
SOLUTION 83
Slide 84: FABRIC - Intelligent Data Platform
FABRIC - Intelligent Data Platform Contextual, Cognitive Computing Built for Cloud – As a Service Comprehensive AI model pipeline that can Cloud Native Platform with Microservices extract contextual elements such as meaning, architecture and APIs built for intelligent, flexible, time, location and a
Slide 85: FABRIC - Cloud & DevOps
FABRIC - Cloud & DevOps Cloud Native, multi tenancy platform designed for Hyper scale Powers continuous delivery and automated updates without disrupting operations. Reduced time to market for a new product offering Flexible, Agile & Resilient Securely accelerate cloud native innovation Fabric Data
Slide 86: FABRIC – Big Data
FABRIC – Big Data Ingest unstructured and semi structured data in the form of images and Text Moves to “Element” of Truth not just “Source” of truth with Triangulation Integrated to thousands of data sources with connector capability to quickly add new source Fabric Data IDX Company search Location
Slide 87: FABRIC – AI Model Pipeline
FABRIC – AI Model Pipeline 28+ proprietary algorithms for Intelligent Image Processing 18+ purpose built computer vision deep learning model for ‘Document Segment Analysis’ State of the Art contextual Natural Language Processing pipeline Triangulation with trust and consensus models for field level
Slide 88: FABRIC DATA
FABRIC DATA Universally accessible and reliable business information at your finger tips 5000+ data points with comprehensive company, location and people data models Brings together from largest data set of thousands of data sources Provides single source of truth with data triangulation to address
Slide 89: IDX
IDX Contextual and Intelligent information classification & extraction platform Brings Operational efficiency to document heavy processes with reduced TAT Provides Last mile solutions for end to end straight through processing Data validation and Enrichment act as guard gates to data quality and cov
Slide 90: The capabilities developed by Intellect
The capabilities developed by Intellect These already have a track record of successful installations 01 FABRIC PLATFORM 02 FABRIC DATA 03 IDX.ai ▪ Fabric is is the continuous delivery ▪ Tailormade AI solutions/apps that can ▪ Contextual Extraction of data from software that powers our SaaS help to
Slide 91: Recent Analyst & Industry Awards and Recognition – Data & AI
Recent Analyst & Industry Awards and Recognition – Data & AI Intellect Risk Analyst cited among Intellect Risk Analyst implementation Intellect identified as a key player in leading Directed Data Platforms at Liberty Mutual featured as a case their report titled Machine Learning providing answers to
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Slide 93: iGTB - Consumerisation of Commercial Banking
iGTB - Consumerisation of Commercial Banking Manish Maakan Chief Executive Officer, Intellect Global Transaction Banking
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Slide 95: Big Thank You for Being Part of our Wonderful Journey
Big Thank You for Being Part of our Wonderful Journey 95
Slide 96: Your Company is now #1 – Wholesale Banking – Transaction Banking
Your Company is now #1 – Wholesale Banking – Transaction Banking ranked # 1 Best Selling Wholesale Banking – Transaction Banking Solution in the world 96
Slide 97: Over Three Decades of Innovation & Leadership in Transaction Banking
Over Three Decades of Innovation & Leadership in Transaction Banking 97
Slide 98: 94 customers, 91 countries
14 10 EUROPE AMERICAS 19 51 APAC IMEA 94 customers 91 countries 98
Slide 99: Built on Contextual Composable Hyperscale Secure Cloud Technology
Built on Contextual Composable Hyperscale Secure Cloud Technology 99 99
Slide 100: With a Vision of Consumerization Of Commercial Banking
With a Vision of Consumerization Of Commercial Banking Self service enablement Real time contextuality (AI/ML) Branding and product packaging “On Tap” Functionality extensions Uniform User Experience 100
Slide 101: Our Customers Are leading the Transaction Banking Marketplace
Our Customers Are leading the Transaction Banking Marketplace We measure our success by the success of our Customers iGTB Clients Exceed Average Industry Growth Rate 21% growth in HSBC cash & liquidity 16% growth in JPMC global treasury services revenues 9% growth in transaction banking global reven
Slide 102: Our GCC Customers are also leading the Transaction Banking Marketplace
Our GCC QATAR NATIONAL BANK 268 Customers are FIRST ABU DHABI BANK 236 also leading the SAUDI NATIONAL BANK 220 Transaction Banking EMIRATES NBD 189 Marketplace ABU DHABI COMMERCIAL BANK 111 AL RAJHI 96 NATIONALBANK OF KUWAIT 80 DUBAI ISLAMIC BANK 71 Source: Bloomberg - Total Assets as on Oct 20 102
Slide 103: Our Customers are our Big Promoters
Our Customers are our Big Promoters 2020 NPS Score of 60 103
Slide 104: Analyst Recognition
Analyst Recognition 104
Slide 105: Our Leadership Position is Endorsed by Market Leading Analysts
Our Leadership Position is Endorsed by 12 Market Leading Analysts INNOVATION AWARD FOR CUSTOMER STRONG PERFORMER iGTB IS A NOTABLE EXAMPLE #1 FOR OPEN BANKING EXPERIENCE The Forrester Wave™ 2020 : Digital Extensive use of micro services and Full Score on Interactive Abu Dhabi Islamic Bank Banking cl
Slide 106: Our Investments in Modern Cloud Platforms
Our Investments in Modern Cloud Platforms Ready to Fast Forward to Digital Next iGTB is Powered by Composable, Contextual & Hyperscale Technology Architecture #1 Partner of Choice for Digital Transaction Banking & Corporate Liquidity Management Transformation Programs 106
Slide 107: Our Investments in Modern Cloud Platforms
Our Investments in Modern Cloud Platforms Ready to Fast Forward to Digital Next 107
Slide 108: Digital Transaction Banking
34 57 Advanced AI Mountaineers in Corporate Cloud-ready Banking, Digitizing Accounts Receivables, solution Banks as Frontrunners, Leader in IDC available marketscape, worldwide, end-to-end banking CLOUD PLATFORM solution # COUNTRIES # CUSTOMERS ANALYST COVERAGE STAGE 5 #1 most comprehensive integrat
Slide 109: Contextual Banking Experience
55 56 Cloud-ready solution available AI + MACHINE LEARNING CLOUD PLATFORM # COUNTRIES # CUSTOMERS ANALYST COVERAGE STAGE 3 The contextual, composable hyperscalable, trendsetter Contextual Banking Experience built leveraging KEY FUNCTIONALITY DIFFERENTIATORS ARCHITECTURE COMPETITION CLOUD 1,000+ prov
Slide 110: Liquidity Management Solution
56 40 • iGTB clients regularly win awards for best-in-class liquidity Cloud-ready • Recent Aité Fireside Chat with iGTB & solution BNY Mellon available • IDC: “Covid-19 forced CFO focus on CLOUD PLATFORM liquidity. In response, 65% of corporate # COUNTRIES # CUSTOMERS ANALYST COVERAGE banks will inv
Slide 111: Payments Services Hub
30 36 Ovum: best choice for tactical short term solution & building blocks of longer term foundation Under Among global top 12 payment vendors constructio worldwide in CEB (Gartner) report AI + MACHINEnLEARNING CLOUD PLATFORM # COUNTRIES # CUSTOMERS ANALYST COVERAGE STAGE 3 Cloud-based context-sensi
Slide 112: Trade & Supply Chain Finance
11 20 CBX Trade Finance judged best-in- class for corporate client services in CEB report Assessed by Aité as 10% market Cloud AI + MACHINE LEARNING CLOUD PLATFORM deployable share # COUNTRIES # CUSTOMERS ANALYST COVERAGE Judged a leader by IDC STAGE 3 Future of trade & supply chain finance with AI,
Slide 113: iGTB Oxford School of Transaction Banking
We contribute back to Eco-System Thru iGTB Oxford School of Transaction Banking 113 Over 200 alumni of senior transaction bankers 🔵 6 successful schools conducted 🔵 10 in-house bank training cohorts 🔵 94.4% NPS
Slide 114: iGTB Oxford School Research & Learning Programs
iGTBOxford School of Transaction Banking Research & Learning Programs 114
Slide 115: Our leadership team Guides the World Class Team of 1800+
Our leadership team Guides the World Class Team of 1800+ Manish Maakan Andrew England Dave Revell Ted Malloch CEO, iGTB Director, Head of Strategy Growth Advisory Council Growth Advisory Council Growth Advisory Council, iGTB iGTB iGTB Uppili Srinivasan Atanu Ganguli Phil Cantor Rajesh Makhija Busine
Slide 116: Accelerating Growth & Expanding our Market Coverage
Accelerating Growth & Expanding our Market Coverage Expanded SAM Potential 450 SAM expansion MID-TIER & EMERGING BANKS ON CLOUD # OF BANKS ASSET MANAGEMENT FINANCIAL INSTITUTES 300 SAM Potential SAM 150 21% Target-2026 Market Share 94 5.8% 2021 Market Share* # of Products 2.7 4 10 Per Customer # OF
Slide 117: Our Evolving & Expanding Technology Partner Program
Our Evolving & Expanding Technology Partner Program 117
Slide 118: Our Moat & Unfair Advantage
Our Moat & Unfair Advantage Top 7 Reasons we WIN Strategy, 1. Customer as Promoters Products & 2. Market Leading Products & Global Footprint Organisation: 3. Market Ready Cloud Technology Platforms Ready 4. Execution Track-record to Deliver 5. Analyst consistently rate as Market Leader #1 6. Experie
Slide 119: Look forward to Continued Support & Trust from all of You
Look forward to Continued Support &Trust from all of You 119
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Slide 121: Intellect Global Consumer Banking - Full Spectrum Retail Banking
Intellect Global Consumer Banking - Full Spectrum Retail Banking Rajesh Saxena Chief Executive Officer, Intellect Global Consumer Banking
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Slide 123: Agenda
Agenda 1 Year 2020, Market Size and Retail Banking Trends Retail 2 Our Purpose & Strategy Banking 3 Why Intellect ? 4 Case Studies 5 Summary 123
Slide 124: Year 2020 Market Trends
Chapter 1 Size of the Retail Banking Year 2020 Market Trends The COVID-19 pandemic has changed how we work, travel, communicate, bank, shop and more …. 124
Slide 125: 2020-21: Retail Banking in the age of COVID-19
2020-21: Retail Banking in the age of COVID-19 57 24% 27% Banks need to % accelerate digital transformation and customer • 57% fall in cash usage experience across Respondents expect Consumers who agree • Rise in payments using products and banks to operate more that banks will be more • Credit card
Slide 126: Confidently navigated global crises and came out stronger
Confidently navigated global crises and came out stronger FY 17 FY 18 FY 19 FY 20 FY 21 Revenue Resilient business model backed by consistent innovation-focused strategy 126
Slide 127: Confidently navigated global crises and came out stronger
Confidently navigated global crises and came out stronger Awards Lending powered Yes Bank has won the award for Best Fintech Partner Bank in Asia #1 ranking by IBS Annual Sales 7-time Leader in Gartner’s for its API first initiative at Magic Quadrant for retail IDC Financial Insights League Table 20
Slide 128: Gartner: Peer Insight Ratings for Global Retail Core Banking
Gartner : Peer Insight Ratings for Global Retail Core Banking Highest Rating among peers 128
Slide 129: Size of the Market
Chapter 1 Retail Banking Year 2020 Size of the Market Trends Intellect Addressable Market - $ 10.8 Bn, growing at a CAGR of 10% 129
Slide 130: Huge Headroom for growth exists for Intellect
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 130
Slide 131: Customer-centric business model is very important
Chapter 1 Retail Banking Year 2020 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 131
Slide 132: 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 133: Calibrated, Consistent and Profitable Growth Trajectory
Chapter 2 4 Prong Purpose Strategy Calibrated, Consistent and Profitable Growth Trajectory in next 5 years 133
Slide 134: Our Purpose
Our Purpose To enable banks (our customers) deliver customer delight to their customer at the lowest TCO 134
Slide 135: Our Strategy for Growth
Our Strategy for Growth Latest Technology Europe Architecture Product Growth Marketplace Engines 135
Slide 136: Latest Technology Architecture
Latest Technology Architecture ✓ Microservices architecture ✓ Container technology for deployment flexibility and scaling ✓ Continuous delivery: ✓ DevOps culture ✓ Cloud agnostic ✓ Private , Public and Hybrid cloud models 136
Slide 137: Architecture Blueprint
Architecture Blueprint UI / Channels Other Systems Intellect Back Intellect CBX-R/C Intellect Assisted Channel Partner Portal / Intellect Customer External Office UI Portal / Mobile Portal / Mobile Mobile, Custom UI Products Systems Systems Customer API Gateway / ESB Inward - API Proxy & Custom API
Slide 138: Our Strategy for Growth
Our Strategy for Growth Latest Technology Europe Architecture Product Growth Marketplace Engines 138
Slide 139: Product Growth Engine: IDC 21
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 Cloud & Treasury Native Digital 360 • Apps for r
Slide 140: IDC 21: Packaged Business Capabilities and APIs
IDC 21: Packaged Business Capabilities and APIs A total of 100 PBCs are supported by 01 Intellect Digital Core through Intellect and 3rd parties and partners. 927 Externalized APIs with 842 02 being Self Sourced and 85 are partner APIs 03 BIAN Compliant APIs 140
Slide 141: IDC 21 Differentiators - Analyst View
IDC 21 Differentiators - Analyst View Breadth of Functionality across Core, Lending, Trade and Treasury (Celent ABCD Vendor view 2019) Modern Architecture (Forrester Wave2020) Recognized for API, Microservices (greater than avg numbers) and Open banking (Gartner MQ 2019) Flexible Vendor (Forrester W
Slide 142: Product Growth Engine: IDL 21
Product Growth Engine 2 : IDL 21 • Containers based deployment managed by • Fully Integrated Lending Suite across Retail, Kubernetes for extreme scale SME and Corporate • Multi-Tenant & Multi-Lingual 06 01 • Composable Components– Origination, Cloud Integrated Loan Mgmt, Collateral & Limits Mgmt, Na
Slide 143: Product Growth Engine: Digital Bank
Product Growth Engine 3 : Digital Bank DNA of a Lifestyle Digital Bank 143
Slide 144: Product Growth Engine: Quantum Banking
Product Growth Engine 4 : Quantum Banking Banking Services Currency and Government Services Enterprise General Vault Management 1 2 Ledger 3 4 Credit/Market Depository & Public Collateral Management Operations Debt Management Treasury & Risk 5 6 7 8 National Level Cross Border FX National Payment Cr
Slide 145: Our Strategy for Growth
Our Strategy for Growth Latest Technology Europe Architecture Product Growth Marketplace Engines 145
Slide 146: Europe Strategy
Europe Strategy Building Solution, Delivery and 1 hosting capabilities in Germany and UK 2 Marquee clients – Cater Allen and Europe 2 Otto. Last 2 in many deals 3 Fully Hosted IDC Solution in AWS Germany and UK Regulatory, open Banking , 4 PSD2 Compliance 5 Kredit 360 Launch in Europe 146
Slide 147: Our Strategy for Growth
Our Strategy for Growth Latest Technology Europe Architecture Product Growth Marketplace Engines 147
Slide 148: Intellect Marketplace | A Banking Operating System
Intellect Marketplace | A Banking Operating System KYC Onboardin Extende g (3) d Payment Solution s (1) s (3) PayAgg( PFM (2) 2) IDC Corporat Reg e Banking Techs (4) (1) Advance Engage d ment Analytics (AI/ML) and CXP Fraud & (3) (6) Protectio n (2) 148
Slide 149: Why Intellect
Chapter 3 Proven at Banks Why Intellect of all Sizes, across all Geographies 149
Slide 150: Why Intellect?
Why Intellect ? Breadth of Open API and Cloud – Domain functionality Native Architecture Expertise Agile Deal Intensity & Marketplace & Implementation Customer Referenceability Ecosystem Thinking 150
Slide 151: Why do we win?
Why do we win ? Traditional NEO Vendors Vendors 1. Architecture 1. Domain Expertise 2. Breadth of 2. Breadth of Functionality Functionality 3. 10 - 15% TCO 3. One Stop Vendor benefit 4. Customer References 4. Deal Intensity 151
Slide 152: Ready for SaaS Acceleration
Ready for SaaS Acceleration Hosting Capabilities India Canada UK Germany Dubai Cloud Ready Products IDC, IDL, CBX Private Data AWS Microsoft Azure IBM FS Centres Private & Public Cloud 152
Slide 153: The Winning Combination
The Winning Combination Breadth of Breadth Breadthofof Domain Functionality Functionality Functionality + Architecture + Expertise = 153
Slide 154: Chapter 4 | Case Studies
Chapter 4 | Case Studies Tier 2 Bank in Large Retailer in Bank of North America Europe Mozambique 154
Slide 155: Tier 2 Bank | North America Case Study
Tier 2 Bank | North America Case About Intellect Objectives Products Study • Currently, serving only • Customer On-boarding • Enable bank to launch a the Credit Unions • Intellect CBX R digital bank, and • Serving 5 million plus digitally deliver the • Intellect CBX C right client experience members
Slide 156: Large Retailer | Europe Case Study
Large Retailer | Europe Case About Intellect Objectives Products Study • Germany's leading • Loan Life Cycle • Complete digitization of online shopping Management credit business marketplace • Dunning • Scalable cloud • One of the biggest E- architecture to support com players in Europe • Refinancin
Slide 157: Bank of Mozambique | Africa Case Study
Bank of Mozambique | Africa Case About Intellect Objectives Products Study • Banco de Moçambique) • Intellect Quantum Core • Replace Legacy System is the Central Bank of • Intellect Treasury built on SAP Mozambique. • Standard Product with • Intellect Adrenalin HRMS • Bank reported Reserves Best Pra
Slide 158: Chapter 5 Summary
CHAPTER 5 Summary 158
Slide 159: Summary
Summary 1. After Calibrated growth for the last couple of year, we believe this is the inflection year for Retail Banking Business. All engines of the business firing : Solution, Execution, Engineering & Customer support 2. Three products: IDC, IDL & QCBS have hit critical mass. 3. Europe will conti
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Slide 161: Intellect SEEC - Insurance and Data Business
Intellect SEEC - Insurance and Data Business Banesh Prabhu Chief Executive Officer, Intellect SEEC
Slide 162: Areas of Focus: Cloud and Data
Areas of Focus: Cloud and Data Born on the cloud Data as the oil • Insurance leaders scaling on digital channels is accelerating – • Our Fabric Data platform (FDS) connects with 22 leading data they are significantly outperforming over competition partners and data platforms for access to thousands
Slide 163: Areas of Focus: AI and Marketplace Platforms
Areas of Focus: AI and Marketplace Platforms AI Marketplace Platform • Purpose built AI models for Commercial Insurance, • Our partnerships with Marketplace platforms such as Banking and Wealth Management domains. Salesforce, Snowflake and AWS provides an additional channel to market and sell our pr
Slide 164: Functional Capabilities
Functional Capabilities Intelligent Data Extraction – Contextual & AI based hyper automation platform Classification Extraction Validation and Enrichment Verification Integration 164
Slide 165: Classification: Key Differentiators
Classification Use cases Key Differentiators • Classification of broker submitted forms • Contextual Text and image-based classification and excels for Large Commercial Insurance carrier in US • Intelligent splitting and sorting of document bundle • Classification of 500 document types for Commercia
Slide 166: Extraction: Key Differentiators
Extraction Key Differentiators Use cases • Contextual extraction leveraging purpose built AI models across Banking, Insurance and • Extraction of key customer information for Wealth domains eKYC as part of the customer on-boarding use case for a Retail banking customer • Extraction across structured
Slide 167: Validation and Enrichment: Key Differentiators
Validation and Enrichment Key Differentiators • Validate extracted data against third party and Use cases external sources of truth • Validate data against business rules • Aadhaar number validation against UIDAI authentication API • Pre-fill missing data with external data sources • eKYC regulatory
Slide 168: Verification: Key Differentiators
Verification Key Differentiators Use cases • Human in loop to triage and make decisions • Human review of Aadhaar extraction on exceptions, errors and approvals and masking exceptions based on image quality • Quality checks based on extraction confidence score at field level • Document review on hig
Slide 169: Integration: Key Differentiators
Integration Use cases Key Differentiators • Integration of existing customer on- boarding systems to intake eKYC and • An API-first approach service documents in real time • Seamless integration with legacy systems and • Integration with existing Aadhaar data cloud technologies vaults for extraction
Slide 170: A large, rapidly growing Data Extraction Market
A large, rapidly growing Data Extraction Market • Customer Onboarding • Trade Finance • New / renewal • Operationalised for Commercial Insurance • Mortgage business companies in US Processing Submissions from • Operationalised for FTSE 100 Wealth • Legal Contracts Brokerages management company in UK
Slide 171: Enabling Contextual AI & ML Led Business Transformation
Enabling Contextual AI & ML Led Business Transformation Contextual AI & ML Transformation Minimal Human Touch & Better Decision Outcomes Optimization + Business Productivity Cyborg Enterprise Major Efficiency & Effectiveness Gain Traditional Digital Transformation + New Business Models Digitization
Slide 172: Providing Underwriting Resilience Through Emerging Technologies
Providing Underwriting Resilience Through Emerging Technologies Manual Underwriting Process Manual Intake Manual assessment & Collaboration Manual Decision 85% Broker Submission • Many questions for a portal • 100% submissions hit underwriter desk via quote • 60-70% time to search/aggregate data fro
Slide 173: Supplemental Resources
INTELLECT ’S DNA IS DESIGN THINKING And Innovative Business Solutions Through Out The Underwriting Life Cycle CARRIER PROCESS OUR SOLUTIONS Prospecting Prospect Prioritization Magic Submissions Supplemental Resources Submission Intake Triage Submission Prioritization Xponent UW Insights Risk Analyst
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Slide 176: © 2021, Intellect Design Arena Limited. All rights reserved
© 2021, 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