The Contextual Composable Cloud Technology Conversations

Global IBS Sales League Table 2021 Ranks Intellect #1 in three

categories of the Financial Sector

The ContextualComposable Cloud Technology Conversations

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 and uncertainties include, but are not limited to our

ability to manage growth, intense competition among Indian and overseas IT Products companies, various

factors which may affect our cost advantage, such as wage increases or an appreciating Rupee, our ability to

attract and retain highly skilled professionals, time and cost overruns on fixed-price, fixed-time frame contracts,

client concentration, restrictions on immigration, our ability to manage our international operations, reduced

demand for technology in our key focus areas, disruptions in telecommunication networks, our ability to

successfully complete and integrate potential acquisitions, liability for damages on our service contracts, the

success of the companies in which Intellect Design Arena has made strategic investments, withdrawal of

governmental fiscal incentives, political instability, legal restrictions on raising capital or acquiring companies

outside India, unauthorized use of our intellectual property and general economic conditions affecting our

industry.

Intellect Design Arena may, from time to time, make additional written and oral forward-looking statements,

including our reports to shareholders. These forward-looking statements represent only the Company’s current

intentions, beliefs or expectations, and any forward-looking statement speaks only as of the date on which it

was made. The Company assumes no obligation to revise or update any forward-looking statements.

Safe Harbor Statement

3

Table of Contents

Technology, Products & MarketsArun Jain

Chairman and Managing Director

Composable Technology - Intellect Fincloud for Digital & Cloud Acceleration

Rajesh MakhijaChief Technology Officer,

Intellect Global Transaction Banking

Contextual Technology - Fabric Data Platform and Intelligent Document

ExtractionDeepak Dastrala

Chief Technology Offer, Intellect SEEC

iGTB - Consumerisation of Commercial Banking

Manish MaakanChief Executive Officer,

Intellect Global Transaction Banking

Intellect Global Consumer Banking -Full Spectrum Retail Banking

Rajesh SaxenaChief Executive Officer,

Intellect Global Consumer Banking

Intellect SEEC - Insurance and Data BusinessBanesh Prabhu

Chief Executive Officer, Intellect SEEC

7 49 75

93 121 161

5

Technology, Products & MarketsArun Jain

Chairman and Managing Director7

5 Phases of Technology Evolution

8

Technology 1.0 Technology 2.0 Technology 3.0

Computing, Application, User Experience - All in one place

Monolith Mainframes

Operating Systems, Database, Processing, Front end

Client Server Architecture

Segregating the Client vs Central repository of Operating system/ Database layer

Role of Middleware such as Websphere,Weblogic, JBOSS in connecting Client and

Backend systems

Client was web based such as a website / portal

Demand for Scale

Inspiration from Netflix and Amazon

Introduction of Cloud Technology

Scale up and Pay as you grow

Technology vendors such as AWS, Google cloud, Azure, IBM

9

Technology 4.0

Introduction of Design Thinking

Customer centricEmpathetic design

Need for Composability

Needs of customer in Corporate Banking vs

Retail Banking vs Wealth vs Insurance vs Capital

Markets

API and Microservices led architecture

Reduce time to market, Greater Product Innovation

Introduction of AI/ ML/ Data technologies

System of Insights - faster, better decisions

Need for Contextual Power of decision in the hands of the customer

Technology 5.0

10

Intellect’s 4 Exponential Technologies

11

Four Exponential Technologies

02

0304

01

Hyperscale Contextual / Corporate Banking Operating SystemAI/ML – Data

Platform

Intelligent Document Exchange IDX

iTurmeric API Ecosystem

Unified data architecture, API led design, Cloud

native and configurable integration

12

DATA

SOURCES

Leverage Data and AI as a Service through API DATA

CONSUMERS

Scale Cloud/DevOps

Intelligent Web Extraction (IWX)

D1

Intelligent Document Extraction (IDX)

D2

Customer Data Lake

D3

Big Data

D4

Data Accuracy

D5

Data Science Algorithms

D6

Data Governance & Package

D7

The Complete Data Insights Platform

13

Bank’s Ecosystem

Payments

Back Office

Channels

…

Ecosystem

Marketplace Fintech ISV Partners

Core Lending Cards CorporateCommercial Origination

Others..

API Exchange API Studio Experience Studio

Turmeric

Integration & Orchestration

Studio

Developer Sandbox

T1 T2 T3 T4 T5

iTurmeric Platform – Enabling the Ecosystem

14

Intellect Products

IDC

IDL

LMS

Payments

Trade Finance

SCF

Capital Alpha

…

Bank’s Back Office SystemsGL

AML

CRM

…

T1API

ExchangeT3Experience

Studio

T2 API Studio

T5Developer

Sandbox

T4 Integration Studio

Open Banking

CorporatesOmnichannel UX

DevelopersFinTechsPartners

+

iTurmeric Platform – Marketplace Enabler

15

Intellect Fin Cloud Platform – Reference Architecture

Containers

Host Management

IAASC1Infra

ProvisioningC2Provisioning

Security

Operating SystemsC3Runtime

Storage

Orchestration & SchedulingC4Orchestration &

Management

Service Mesh

C6Observability

Logging

Monitoring

Tracing

Datastores

C5Application

Development

DataWarehouse

Streaming Languages & Frameworks

API Gateway

CI / CDRepo / App Defn

Container Registry +

16

Reference Architecture – C5 Application Development

Datastores

C5Application

Development

Data Warehouse Streaming Languages & Frameworks

API GatewayCI / CDRepository / App Defn Container Registry

17

Our Products

18

Intellect – A Snapshot

The world’s

largest cloud-

native, API led,

microservices

based multi-

product FinTech

platform

powered by

AI/ML

Ranked #1 in

the world for

both Retail and

Transaction

Banking by IBS

Intelligence

Sales League

Table 2020

Pioneered

Design Thinking

to create

cutting-edge

products and

platforms

Trusted by

over 240

financial

institutions

across the

world

FinTech 8012,

the world’s

first design

center for

fintech

reflecting its

commitment

to continuous

and impactful

innovation

Full-spectrum

banking and

insurance

technology

products across

Corporate,

Retail, Wealth,

Capital Markets

and Insurance

19

It takes 3 years to move from Stage 2 to Stage 4.

Over 60% of our product investments deliver to this time frame.

Life Time Value (LTV) of one successful product is typically $100 Mn to $500 Mn.1

2

3

4

5Building a product around

an identified market need

Winning first reference

Design branding and marketing; Acquire first 10 Customers

Partnerships, Strategic Alliances and Mining

Aggressive Selling and Premium pricing

5 Stages to drive Sustainable and Scalable Product Business

20

Intellect’s Journey

INTELLECT 1.0 – 2015-2018 INTELLECT 2.0 – 2018-2021

Phase of growth and investment –Several Products were in Stage # 2 and # 3

• Investments in Product development –Investments in Sales & Marketing

• Brand building, gaining Market acceptance, winning Analyst endorsements

• Investments in building Leadership bandwidth and building expertise

• Expanding Customer footprint – Sharpening execution

Acquiring

marquee logos

Recognition as

Category

Leaders

Winning key

deals

Resulting in

Industrialization, Monetization and Customer Centricity

• Aim is to move more Products to Stage # 4 and # 5

• Industrialization – Scaling

‒ Making processes robust and repeatable

‒ Ensuring D-3 OTIF, defect free delivery

• Monetization – Unlocking the value of IP investments

‒ Better Pricing and Revenue realisation

‒ Alternatives in Pricing models to maximize revenue

• Customer Centricity – Fostering rewarding partnerships

21

Corporate

Banking

Retail

Banking

Risk, Treasury

& Capital Markets Insurance Digital Solution Platform

Intellect – Our Lines of Businesses

22

Products overview

Corporate Banking

Retail Banking

Digital Transaction Banking

Modular & open, omnichannel, complete front-to-back integration

Contextual Banking Experience

White Label Digital Transaction Banking

platform to manage firms’ cash and trade

Trade & Supply Chain Finance

Integrated platform to manage two key

portfolios of the Corporate Bank

Liquidity Management Solution

Best-in-class algorithmic contextual

Liquidity Management

Payments

Unified payments

Digital Core

Digital 360, real-time, context-aware

Digital Lending

Instant credit, micro-segmentation, risk optimisation

Digital Cards

Full-stack digital payments platform

Retail Banking (CBX Retail)

Driving contextual Digital experience

Digital Wealth ( Wealth Qube)

Relationship-centric digital wealth

management solution

Central Banking

Designed for complexity reduction, real-time GL,

liquidity, risk management & complex payment

orchestration

23

Intellect Ranked #1 in 3 Categories in

Global IBS Sales League Table 2021

Risk, Treasury & Capital Markets

Insurance

Brokerage Solution (Capital Alpha)

Broker in a box, multi-asset,

multi-exchange

Treasury and ALM (Capital Cube)

Real time Optimizer & Risk Manager

for the Bank’s treasurer

Asset Servicing (Capital Sigma)

An end to end transaction platform for

Custodians and Asset Managers

Underwriting (Xponent)Pioneering deployment of Artificial Intelligence,

Big Data and IoT to transform insurance

Risk Analyst Integrating multiple data sources with Intelligence

to guide the Underwriter

Magic Submission

Reimagine Submissions with the magic of AI

Products overview

Contextual ALM 2020 (CALM 20) rated among Top NextGen ALM and Balance Sheet

Management solutions Worldwide.

24

Intellect Ranked #1 in 3 Categories in Global

IBS Sales League Table 2021

Digital Solution

Platform

I-GOVFull Spectrum Digital for Public

Sector Services

I-TurmericFirst-of-its kind enterprise integration and

transformation platform for banks to

progressively modernise to a API led, Cloud ready

architecture

IDXFabric Data Platform powered with AI, ML-

Intelligent Data Extraction, Validation and

contextual synthesis

Products overview

25

What is the FinTech MarketOpportunity?

26

Global Fintech Market Opportunity

Software spend in

FinTech projected

at - $300 Bn

50% growth in

Fintech Product

business projected

i.e. from $20 Bn

to $30 Bn between

FY19 to FY23

Tailwinds - ‘Buy’

replaces ‘Build’ -

Moving from 7% to

10% of pie

Need to accelerate

Technology Change

and Demand for

Contextual,

Composable

journeys

27

What do our customers expect…

Highly secure

Hyperscale Cloud

Technology

that can be elastic

enough to support their

growth

High Performance

Technology

to support high

volumes/high

availability

Customer Experience

deliver consistently

high quality experience

at every touch point

and channel of

interaction

Data as new oil

Leveraging multiple

sources of structured

and unstructured data

for contextual

intelligence

Digital Inside Wiring of Operations to

ensure high STP -contextual and intelligent management of Business

rules, entitlementsand workflows

28

to drive/address…

More TransactionsPer Customer

MCPMore CustomersPer Product

More ProductsPer Customer

MPC

MTC

29

Mapping products to Customers’ Desirability and Viability

30

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 led architecture deployed in a Hyperscale cloud .

‒ Gone live in a record time with one of such banks

• Data/ Underwriting have acceptance amongst the Top 10 P & C Carriers - across the value chain - Data Intake / triangulation and enrichment

‒ Strong pipeline and pursuits / POCs in progress for Data and IDX .

‒ Market size of Data/ Underwriting in the US - about 150 P&C Insurers @$1m per account.

• Leadership in Payments product in Canada through recent wins and dominate the Cards market in Chile in LATAM - with multiple customers including a Global retail chain.

31

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 CBX , VAM/ Escrow, Liquidity has a similar market potential as in the US

• Active funnel for IDC with Intellect figuring in the last 2 in a few deals after the go-live of Cater Allen on Cloud, fully compliant with Security and GDPR regulations

• Growth for Digital Lending in Europe: Recently won a Point of Sale Lending deal with the second largest European retailer, Otto, deployed on the cloud, after a rigorous evaluation and POC. Opened up new avenue for growth for Lending in Europe

• Insurance: Underwriting product to be focused in this market next year.

• Large ongoing engagement with a Wealth Management business in the UK which is set to scale up further

32

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 significant presence in these

Markets with referenceable installations

across geographies.

‒ Focus to further expand their presence

to more countries/ more Banks in

countries with existing installations

33

Consumer Banking: Temenos, Finastra, TCS, Finacle, Oracle,

Mambu, nCino and Thought Machine

Transaction Banking: Finastra, ACI Worldwide, CGI and Bottomline

Risk, Treasury and Markets: Sungard, Finastra and Calypso

Insurance and Data: Carpe Data, Planck, Duck

Creek and Palantir

Our competition in these markets

34

Why do we win?

35

We address the global technology requirements of

What problems do we solve

• Banks – Corporate and Retail

• Financial Institutions –Central Banks, Non Banking Financial Houses

• Capital Markets - Mutual Funds, Brokerage Houses, Custodians

• Insurance Carriers

• Complexity of multiple generation of Technology -Enabling convergence and Digital / Cloud transformation.

• Complexity of Customer data

• Leveraging Technology to drive ‘Exponential’ Operating cost reduction

• Accelerating growth agenda by enabling agility in configuring Products and taking them to Market quickly.

• Driving Customer Experience

OUR WINNING DIGITAL

STRATEGY

36

How do Intellect’s Products differentiate?

Functional depthand breadth

Comprehensive repertoire of User Journeys that also make them 'composable'

TechnologyDifferentiated through unified architecture, API led design, cloud native and integration with other products/ regulatory ecosystem

Contextual SolutionsContextual solutions that address the specific Market needs of a customer,

rather than as a generic product offering

37

Why does Customer Rely on Intellect?

Deep technological expertise combined with Domain knowledge

04

05

02

01

03

Reduced Implementation time lead by

application of Design Thinking

Faster POC supported by Intellect

Technologies

High NPS with existing customers -

increasing referenceability

Focus on Customer experience - driven

by API ecosystem and SDKs

Able to fill gap where competition

is fragmented

38

What has been our Journey so far?

39

03

04

01

02

06

05

Our investment in Products and Markets in Intellect 1.0 is paying off

We have cumulatively invested over Rs. 1,200 Crs in Product development

4 Products have each achieved a cumulative revenue of over Rs. 1,000 Crs each

Our cumulative License revenues are nearly 1,700 Crs

Our cumulative AMC revenues are 1,327 Crs

Our License linked revenues are therefore, 3,000+ crores

Outcome of Designed Strategy

40

Intellect’s Market Performance

Cumulative investment of INR

1,900 Crs in Sales & Marketing

We have direct presence in

16 countries and supported by

Partners in more countries.

Cumulative revenue exceeds INR 6,000 Crs. In these countries

41

Flywheel effect -Increased Win ratio and Operating leverage power play

Faster Implementation

Increased wins and installations

IncreasedReferenceability

Lower Cost

42

Levers for Revenue growth

New country expansion

More Customers per Product - by winning more customers based on our referenceability in key Geographies

More Products per customer -by leveraging our existing Customer assets

43

New Growth drivers - apart from accelerationof Product monetization

Data platformand IDX

iWealth iGov

Two Senior hires -

one from the

Insurance Industry

and one from a Data

Company - to

sharpen the GTM

and then scale it -

both vertically and

horizontally

Completed

referenceable

multi-country

implementations in

APAC, Middle East

and India. Expected

to close key deals in

the next financial

year

GeM GMV is

accelerating, which

will increase our

earnings as an MSP

44

Product-Cloud-Data

45

What does Cloud enable?

1

#4 Composablearchitecture

#1 Lower capital outlay

#2 Faster customer onboarding

#3 Shared infrastructure costs

#5 Longer tail revenues 10-15 years with potential upside based on volumes

46

Cloud & Data Roadmap

Our products are Cloud ready

Invested in new oil –

Data

Success in Insurance business–Xponent /

Underwriter workstation

Integration of data with

more products

47

Drivers for SaaS revenues

AI Platform

Currently leveraged by

Underwriting - can

horizontally expand to

other products

IDC

More deals in SaaS

format

GeM

Expansion owing to

acceleration of GMV

in GeM Portal

HyperscaleDigital Platform

Digital/ Payments/

Liquidity offered in

Subscription model on

the Cloud

1 2 3 4

AI Platform

Currently leveraged by

Underwriting - can

horizontally expand to

other products

IDC

More deals in SaaS

format

GeM

Expansion owing to

acceleration of GMV

in GeM Portal

HyperscaleDigital Platform

Digital/ Payments/

Liquidity offered in

Subscription model on

the Cloud

1 2 3 4

48

Composable Technology - Intellect Fincloud for Digital & Cloud AccelerationRajesh Makhija

Chief Technology Officer, Intellect Global Transaction Banking

Why Cloud01

02

03

04

CBX - Digital Acceleration Platform

iTurmeric - Cloud Acceleration Platform

iFinCloud – Intellect FS Cloud

Agenda

51

1. Why Cloud

52

Why Cloud - For our Customers ?

Business Agility

Elasticity & Scalability

Reduced Complexity

53

Why Cloud - for Intellect ?

Operational Efficiency

Predictable Revenues

Innovation

54

2. CBX – Digital Acceleration Platform

55

Digital Platform – Pain Points & Challenges

PainPoints

How can I seamlessly and cost effectively handle the increasing volumes and performance of my digital platform.

Hyperscale Technology

Can I have converged channel platform across brands, across customer segments, across businesses and across products.

Connected Experience

How can I progressively keep adding new products and capabilities without any disruption to my current ecosystem.

Extensibility

56

Desires

Digital Platform – Desires & Aspirations

How do I collaborate with Partners and FinTechs to provide innovative experiences to the customers.

Collaboration

How can I design and compose my own UI/UX to drive customer desireand keep refreshing it to keep pace with modern UX trends.

Own UI / UX

How can I facilitate contextual, personal and value added interactions through my channel platform.

Service Amplifiers

57

CBX Digital Acceleration Platform – L0 View

Product Processors

C B O S – Corporate Banking Operating System

Bank’s Product Processors

UX (Mobile, Tablet, Web)

Open Banking Partners / FIntechs Ecosystems

Channel APIs

Open APIs

Corporate Customers

Do

mai

n P

acks

iTurmeric Integration Platform

Corporate Liquidity

Cash Flow Forecasting

Trade Finance

Supply Chain Finance

Account Services

Corporate Payments

Collections Receivables

Virtual Accounts

+

58

CBX Digital Acceleration Platform – L1 View

C B O S – Corporate Banking Operating System

Hyperscale

Channel Datastore

EventsAPIs

Ch

ann

el H

ori

zon

tal

Mic

rose

rvic

es

Alerts & Notifications Security Message Center

ApprovalsChannel Limits Entitlements

Cloud Native Foundation Microservices

Predictive Actions

Predictive Insights

iTurmeric Integration Platform

59

CBX Digital Acceleration Platform - Key Benefits

Superior Customer Experience

• Modern UX and contextual capabilities.

• Extend, enhance or build your own UI to keep with market trends.

Rapid Time to Market

• OOTB services that are easily extensible.

• Converged platform enabling reuse.

Innovation

• Enable partners to build niche and innovate apps.

• Composable and Open APIs increase distribution.

60

3. iTurmeric – Cloud Acceleration Platform

61

Cloud Acceleration Platform – Pain Points & Challenges

PainPoints

How can I reduce the cost of of the integrations across my on-premise and cloudapplications.

High Costs

How can I reduce the extensive build / test efforts for integrations that currently need proprietary skills to build and manage.

Skill Sets

How can I abstract the complexity of my legacy systems of record and expose data and services as standardized and simple APIs

Legacy Modernization

62

Cloud Acceleration Platform – Desires & Aspirations

How can I design, documentand publish APIs as digital assets aligned to the business capabilities being offered.

Open APIs

How do I increase my integration agility both for on-premise and

cloud applications.

Agility

How can I build a market place from which innovativeapps can be built using the API ecosystem.

Marketplace

Desires

63

iTurmeric Platform – L0 View

T1API

ExchangeT3Experience

Studio

T2 API Studio

T5Developer

Sandbox

T4 Integration Studio

Omnichannel UX Developers

+

Product Processors Bank’s Product Processors

iTurmeric

Open Banking Partners / FIntechs Ecosystems

64

T2 – API Studio

iTurmeric Platform – L1 View

T4 – Integration Studio

MetadataStore

iTurmeric

Security Runtime Debugging Monitoring

Flow Orchestration

API Catalogue

Message Templates Transformations

API DocumentationAPI Design

65

iTurmeric Platform – Positioning Scenarios

Channels

Legacy Systems of Record

iTurmeric

APIs

Channels

Bank’s Products

iTurmeric

Channel Platform

APIs

Channels

iTurmeric

Products Bank’s Products

Bank’s Channel Platform

APIs

PS1 – Legacy System Modernization

PS3 – Bank’s Own Channel PlatformPS4 – Standalone Intellect CBX Channel

PS2 – Enterprise Integration

Channels

Products

iTurmeric

Bank Core Systems

APIs

3rd Party Systems

66

iTurmeric Platform - Key Benefits

Marketplace Enabler

• Enable banks to collaborate & build marketplace, resulting in larger distribution

Future Proof

• Light weight, extensible and low coding platform.

• Cloud native architecture with elastic scalability.

Accelerated Transformations

• Standardization and reuse resulting in faster time to value.

• Drastic reduction in build and test integration efforts.

67

4. iFinCloud –Intellect Financial Services Cloud

68

Why iFinCloud – Goals

Multi-Cloud

Public cloud provider agnostic forprovisioning, deployment and

maintenance.

Standardization

Standardized tools, technologies, processes and guidellnes for cloud

operations.

Automation

Deployment flexibility and cloud automation by adopting best practices and learnings across the organization.

69

Containers

Host Management

IAAS

Provisioning Security

Operating Systems Storage

Orchestration & Scheduling Service Mesh

Logging Monitoring Tracing

Datastores DataWarehouse

DataStreaming

Languages & Frameworks

API Gateway

CI / CDRepo / App Defn

Container Registry

iFinCloud Platform – Reference Architecture

C5Application Development

C6Observability

C1Infrastructure

C2Provisioning

C3Runtime

C4Orchestration & Management

70

iFinCloud DevSecOps – Accelerate Automation

Theta 1 -4

71

iFinCloud – Highest Standards of Security

Cloud Native Computing Foundation

Data Security & Privacy

Data Protection Regulations

Information Security

Centralized Logging and Monitoring

Secure Configuration Management

API Security

Data Classification

PII Data Encryption &

Hashing

Identity and Access

Management

Application Security Regulations & Compliance

72

iFinCloud - Key Benefits

Reduced Costs

• Due to economies of scale within Intellect.

• Process efficiencies due to high levels of automation.

Security & Compliance

• Best practices in security across application, build and infra layers.

• Adherence to various cloud regulated compliances.

Extreme Agility

• Reuse of assets and cloud best practices within Intellect for the cloud operating model.

• Faster time to market for new product capabilities.

73

Contextual Technology - Fabric Data Platform and Intelligent Document Extraction

Deepak DastralaChief Technology Offer, Intellect SEEC

Data has become the new oil, providing massive opportunities to the Companies who can Gather, Control & Analyze data

77

AN AVALANCHE OF DATA

78

Data Facts : How world has changed?

Source: DOMO

Every 60 seconds…294 billion+ emails sent

350 million+ tweets

4.4 million+ Google searches

Hosts 208,333 participants in meetings

500 hours new video on YouTube

54 million messages shared

404,444 hours video users stream

347,222 messages posted

Big Data,Cloud,MobilityZettabytesThe Internet

GigabytesClient/serverMegabytes

MainframeKilobytes

79

Data Is exploding : We have gone beyonddecimal system

Source: OMEDA, Statista, Cisco

1030

1027

10241021

1018

1015

1012

GeopbyteBrontobyte

ZettabyteYottabyte

ExabytePetabyte

TerabyteGigabyte

Megabyte

2.5 EB is created on Internet each day

Facebook=500TB/day

The CERN Large Hadron collider generates 1 PB per sec

1.9 ZB of network traffic this year isbecause of Video

This is our digital universe today

This will be our digital universe tomorrow

This will take us beyondour decimal system

2005

2010

2015

2020

2025

109

106

80

URGENT NEED

81

Engage 100% of data : to gain competitive advantage

Big Data

Data volumes

Acc

ura

cy a

nd

insi

ght

CRM ERP Data warehouse Web Social Log files Machine data Semi-structured Unstructured

Dark data

Traditionalenterprise data

82

SOLUTION

83

FABRIC - Intelligent Data Platform

Company search Location Search People Search Classification Extraction Validation

Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication

AI Model Pipeline

Structured Semi Structured Unstructured InternalBig Data

Cloud & DevOps

Data Connectors+ +

Contextual Extraction

Document Classification

Image Pre-Processing

Layout Segmentation

Object Detection

Image to Text

Image Post-Processing

Named Entity Extraction

Semantic Analysis

IDXFabric Data

Real time Data IngestionRealtime data ingestion and processing capability that can deal with different aspects of business data such as Volume, Variety, Veracity & Velocity

Data Centric SecuritySecurity and privacy are “built-in” design principles to access ubiquitous data in secure way

Contextual, Cognitive ComputingComprehensive AI model pipeline that can extract contextual elements such as meaning, time, location and appropriate domain from multiple sources of information, including both structured and unstructured

Cloud Native Platform with Microservices architecture and APIs built for intelligent, flexible, scalable, and integrate-able services

Built for Cloud – As a Service

84

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

IDXFabric Data


Structured Semi Structured Unstructured InternalData Connectors+ +

Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication

AI Model Pipeline Contextual

Extraction



Layout Segmentation

Object Detection

Image to Text



Semantic Analysis

Big Data

Cloud & DevOps

FABRIC - Cloud & DevOps

85

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 – Big Data

IDXFabric Data



Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication


Extraction



Layout Segmentation

Object Detection

Image to Text



Semantic Analysis

Big Data

Cloud & DevOps

86

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 accuracy benchmarking

Purpose built Domain specific models contextual to industry specific problem statements



Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication


Extraction



Layout Segmentation

Object Detection

Image to Text



Semantic Analysis

Big Data

Cloud & DevOps

IDXFabric Data

FABRIC – AI Model Pipeline

87

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 data veracity

Easy accessibility to custom data packages for specific problem statements


Structured Semi Structured Unstructured InternalData Connectors+ +Big Data

Cloud & DevOps

Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication


Extraction



Layout Segmentation

Object Detection

Image to Text



Semantic Analysis

IDXFabric Data

FABRIC DATA

88



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 coverage

Complete ownership of customer value with no dependencies on 3rd party services

Intelligent redaction of PII and sensitive data to ensure regulatory compliance

Big Data

Cloud & DevOps

Data Triangulation

Trust & Consensus

Sentiment Analysis

Topic Modelling

De Duplication

AI model pipeline Contextual

Extraction



Layout Segmentation

Object Detection

Image to Text



Semantic Analysis

Fabric Data IDX

IDX

89

The capabilities developed by IntellectThese already have a track record of successful installations

01 02 03FABRIC PLATFORM FABRIC DATA IDX.ai

▪ Fabric is is the continuous delivery software that powers our SaaS products, Fabric Data and IDX, in the public cloud and beyond. Fabric enables rapid Customer Integration, Customer Delivery and Deployment helping improved client’s decisions and management of digital applications. It eliminates the trade-off between stability and speed by delivering continuous, automated updates without disrupting operations.

▪ Tailormade AI solutions/apps that can help to analyze organizational data elements from several external and internal sources helping risk management decisions with speed, reduce cost and facilitating accuracy & digital delivery

▪ Strong data engineering and AI foundations which provides real time access to over thousands of data sources and over 5000+ data elements covering structured and unstructured data for clients to triangulate data use cases

▪ Contextual Extraction of data from various sources/documents. Data can be structured or semi/unstructured.

▪ Validating data using ML after the extraction, for both internal information provided in document or for external validation of information

▪ Data scored using ML and then it can be easily Injectable into destination platforms through API’s

90

2020

Recent Analyst & Industry Awards and Recognition – Data & AI

Intellect Risk Analyst cited among leading Directed Data Platforms

providing answers to specific questions from an individual insurer

for use in underwriting or other processes - 2020

2020

Intellect Risk Analyst implementation at Liberty Mutual featured as a case

study in the Data and Analytics category by Novarica in their 9th

Annual case study - 2020

2020

Intellect identified as a key player in

their report titled Machine Learning

in Global Insurance Sector by

presenting Intellect's implementation

as an example of an intelligent RPA

use case in a project undertaken by a

commercial insurance client.

2019

20202020

Novarica rates Intellect SEEC’s IDX as an Intelligent Text Ingestion solution for Advanced Underwriting with AI & ML playing a larger role.

2020 2020

Intellect SEEC recognized as a "Full AI Suite Provider" who can help

carriers streamline their underwriting workflows

91

iGTB - Consumerisation of Commercial Banking Manish Maakan

Chief Executive Officer, Intellect Global Transaction Banking

Big Thank You for Being Part of our Wonderful Journey

95

Your Company is now #1 – Wholesale Banking – Transaction Banking

ranked

Best Selling Wholesale Banking – Transaction

Banking Solution in the world

#1

96

Over Three Decades ofInnovation & Leadership in Transaction Banking

97

94 customers 91 countries

10AMERICAS

14EUROPE

51IMEA

19APAC

98

Built on Contextual

Composable Hyperscale

SecureCloud

Technology

99 99

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

Our Customers Areleading the Transaction Banking Marketplace

21% growth in HSBC cash & liquidity

16% growth in JPMC global treasury services

revenues

9% growth in transaction banking global revenues

We measure our success by the success of our Customers

iGTB Clients Exceed Average Industry Growth Rate

The top 12 investment banks’ revenues from transaction banking jumped to $31.3bn.

101

Our GCC Customers arealso leading the Transaction Banking Marketplace

Source: Bloomberg - Total Assets as on Oct 20

71

80

96

111

189

220

236

268

DUBAI ISLAMIC BANK

NATIONALBANK OF KUWAIT

AL RAJHI

ABU DHABI COMMERCIAL BANK

EMIRATES NBD

SAUDI NATIONAL BANK

FIRST ABU DHABI BANK

QATAR NATIONAL BANK

102

Our Customers are our Big Promoters2020 NPS Score of 60

103

Analyst Recognition

104

Our Leadership Position is Endorsed by12 Market Leading Analysts

#1 Partner of Choice for Digital Transaction Banking Transformation Programs

MODEL BANK AWARD Emirates NBD wins for Transaction

Banking Transformation PERSONA-BASED UI

Top Trends in Corporate Banking 2019-2020#1 PACESETTER IN CUSTOMER ENGAGEMENT

Cited for developing persona-based customer journeys

ADVANCED A.I. MOUNTAINEEROnly Product company with complete Corp Banking

suite with integrated UX,UI 2 XCELENT AWARDS

Advanced Technology and Breadth of Functionality

LEADING GLOBAL VENDOROnline Banking Solutions

Technology Analysis

GOLD CLASS AWARD

Digital Transaction Banking

STRONG PERFORMERThe Forrester Wave™ 2020 : Digital

Banking Engagement Platforms

#1 FOR OPEN BANKINGFull Score on Interactive Open Banking Channel

Capabilities

INNOVATION AWARD FOR CUSTOMER EXPERIENCE

Abu Dhabi Islamic Bank TOP 5 TRADE & SUPPLY CHAIN VENDOR Aite Matrix: Trade Finance Software Report

#1 FOR APIsTop Rating on all six measures:

Development, Wholesale banking, Sandbox, Connectivity, Management and Analytics #1 FOR RETAIL BANKING

#1 FOR TRANSACTION BANKING#1 FOR INSURTECH

IBS Annual Sales League Table 20212 GLOBAL FINTECH INNOVATION

AWARDSMost Innovative Digital banking platform at

HLBBBest payment system implementation at

CIBC#1 IN GLOBAL PAYMENTS SYSTEMS#3 IN GLOBAL DIGITAL BANKING &

CHANNELS IBS Annual Sales League Table

BEST PAYMENTS HUBSantander wins inaugural award

INNOVATORS IN CASH MANAGEMENTFAB wins for the Global Cash Position Mobile App

BEST INTEGRATED CORPORATE BANKING SITE

Abu Dhabi Islamic Bank wins for ME BEST BANK FOR LIQUIDITY MANAGEMENT

First Abu Dhabi Bank wins for MEHSBC wins in Asia Pacific

BEST BANK FOR CASH MANAGEMENT AWARD

Abu Dhabi Islamic Bank wins for UAE Abu Dhabi Commercial Bank wins for ME

Arab Bank wins for Jordan, Bahrain, Qatar and Lebanon

First Abu Dhabi Bank wins for UAEHLBB wins for Malaysia

CIBC wins for North America and Canada2 PRODUCT INNOVATION AWARDS

Ripple-backed Payments Solution Corporate Banking on the Watch

LEADER IN TRADE FINANCEMarketScape report: Worldwide Trade

Finance Systems 2020LEADER IN ORPORATE BANKING

SOLUTIONWorldwide End-to-End Corporate Banking

Solution Providers 2019 FINTECH 100: 3 REAL RESULTS

AWARDSFuture Ready Payments Implementation

at CIBC Digital Transformation Leader at IDFC

Customer Experience at NBK

iGTB IS A NOTABLE EXAMPLEExtensive use of micro services and

cloud-native PaaS technologies

CASH MANAGEMENT SURVEY 2020 #1 Mashreq Bank

#5 Emirateds NBD TRADE FINANCE SURVEY

2021 – 2019 #4 Raiffeisen Bank International

FINTECH POWER 50Transforming

Financial Services

105

Our Investments in Modern Cloud PlatformsReady to Fast Forward to Digital Next

#1 Partner of Choice for Digital Transaction Banking & Corporate Liquidity Management Transformation Programs

iGTB is Powered by Composable, Contextual & Hyperscale Technology Architecture

106

Our Investments in Modern Cloud PlatformsReady to Fast Forward to Digital Next

107

# CUSTOMERS

57# COUNTRIES

34ANALYST COVERAGE

Advanced AI Mountaineers in Corporate Banking, Digitizing Accounts Receivables, Banks as Frontrunners, Leader in IDC marketscape, worldwide, end-to-end banking solution

CLOUD PLATFORM

Cloud-ready solution available

STAGE 5

COMPETITION

(Asia)

ARCHITECTUREKEY FUNCTIONALITY

#1 most comprehensive integrated transaction banking solution globally

No other vendor has fully integrated cash and trade offering including supply chain finance, front to back.Capable through iZoom to go live for a bank within weeks.

Cloud-ready with composable & contextual digital.Significantly superior digital experience with respect to the competition

Win rate of 60% from all RFPs participated in the last 4 years

pays

$50billionsalaries every year

processes transactions worth

$350+billionevery year

over

100billioncorporate transactions executed every year

FinastraOracleNucleusSoftware

CLOUD

Digital TransactionBanking

108

# CUSTOMERS

56# COUNTRIES

55ANALYST COVERAGE

CLOUD PLATFORMAI + MACHINE LEARNING

STAGE 3

Cloud-ready solution available


The contextual, composable hyperscalable, trendsetter

White label digital banking for corporations, SME/SMB covering Payments, Account Services, Liquidity, Collections & Receivables, Virtual Accounts, Escrow Management and Cash Flow Forecasting

DIFFERENTIATORS

Best-next-actionBest-next-offerUX-ledPersona-basedCovering all corporate banking domainsPart of Intellect CBX family

Cloud native, API-firstFully open sourceContextual powered by AI/MLCross-domain data fetchFull score (Gartner) for interactive open banking channel capabilities

Singled out by Accenture as notable example of extensive use of microservices and cloud-native PaaS technologies

COMPETITIONbuilt leveraging

1,000+proven customer TB journeys

offering

450+ open banking APIs

Contextual BankingExperience

CoconetFinastraInfosysInternal IT

CLOUD

109

# CUSTOMERS

40# COUNTRIES

56ANALYST COVERAGE

• iGTB clients regularly win awards for best-in-class liquidity

• Recent Aité Fireside Chat with iGTB & BNY Mellon

• IDC: “Covid-19 forced CFO focus on liquidity. In response, 65% of corporate banks will invest in supporting predictive liquidity”

STAGE 5

Cloud-ready solution availableCLOUD PLATFORM


#1 market leader in liquidity management, live in all continents

Comprehensive sophisticated cash concentration, notional pooling, intercompany loans, investments plus much more including protecting bank balance sheet.

Includes predictive liquidity/CFF, real time funds control and virtual accounts including Escrow.

Country coverage meanslocal regulations and taxation hold no fears for LMS.

Pegasus engineering.

Born in the cloud, API-first, micro services, pure open source, real time.

Front office uses Lisa SPA for banks’ clients and bank staff.

COMPETITION

Two of our largest liquidity management competitors’ clients have chosen to replace with iGTB LMS in the last 12 months.

sweeps over

$4trillioncash every year

allocates interest on over

$35trillionnotional pools every year

processes worldwide

23%of major currency cross-border

MNC sweeps TietoInfosysReVal

Liquidity ManagementSolution

CLOUD

110

# CUSTOMERS

36# COUNTRIES

30ANALYST COVERAGE

Ovum: best choice for tactical short term solution & building blocks of longer term foundationAmong global top 12 payment vendors worldwide in CEB (Gartner) report

CLOUD PLATFORMAI + MACHINE LEARNING

Under construction

STAGE 3


Cloud-based context-sensitive corporate payments optimizing interactions

Corporate payments in the cloudPayments pre-processingOrchestrationExecutionLimits managementRemittance repositoryISO 20022 rapid adoption

Contextual digitalCloud nativeAPI-firstFully open source

COMPETITION

>1millionpayments processed per hour in live use

rolled out by one bank every

4-6 weeksto a new country

now live in 19 countries

Payments ServicesHub

BottomlineFinastraACIFiservFIS

CLOUD

111

# CUSTOMERS

20# COUNTRIES

11ANALYST COVERAGE

CBX Trade Finance judged best-in-class for corporate client services in CEB report

Assessed by Aité as 10% market share

Judged a leader by IDCAI + MACHINE LEARNING CLOUD PLATFORM

Cloud deployable

STAGE 3


Future of trade & supply chain finance with AI, risk mitigation & partner ecosystem

Only solution covering both trade finance and SCF fully

Transformational and sustainable

Risk participation, distribution and mitigation

Fast supplier onboarding

IDX smart paper-killer that reads any form

Limits management

COMPETITION

AI/ML/NLPBest next actionsIoTOpen banking, fully composableDigital 360APIsCloud deployable

PARTNERECOSYSTEM

according to the ICC

$60bntrade finance

opportunity for banks

according to the ICC

$20bnSCF opportunity

for banks

Trade & Supply ChainFinance

CLOUD

FinastraSurecompChina Systems

112

We contribute back to Eco-SystemThru iGTB Oxford School of Transaction Banking

Over 200 alumni of senior transaction bankers 🔵 6 successful schools conducted 🔵 10 in-house bank training cohorts 🔵 94.4% NPS

113

iGTBOxford School of Transaction BankingResearch & Learning Programs

114

Our leadership team Guides the World Class Team of 1800+

Andrew EnglandDirector, Head of StrategyGrowth Advisory Council,

iGTB

Dave RevellGrowth Advisory Council

iGTB

Ted MallochGrowth Advisory Council

iGTB

Manish MaakanCEO, iGTB

Atanu GanguliBusiness Head

DTB, Trade, Supply Chain

Phil CantorCMO, iGTB

Rajesh MakhijaCTO, iGTB

Uppili SrinivasanBusiness Head

Digital, Payments & Liquidity

115

Accelerating Growth & Expandingour Market Coverage

# OF PRODUCTS

# O

F B

AN

KS

SAM expansion450 Expanded SAM PotentialMID-TIER & EMERGING

BANKS ON CLOUD

ASSET MANAGEMENT

FINANCIAL INSTITUTES

SAM300 SAM Potential

10

Target-2026150

42.7

202194

# of Products

Per Customer

21%Market Share

5.8%Market Share*

116

Our Evolving & ExpandingTechnology Partner Program

117

Strategy, Products &

Organisation: Ready

to Deliver Growth over

Next 5 Years

1. Customer as Promoters

2. Market Leading Products & Global Footprint

3. Market Ready Cloud Technology Platforms

4. Execution Track-record

5. Analyst consistently rate as Market Leader #1

6. Experienced & Stable Leadership Team

7. Only Brand that Focuses on GTB

Our Moat & Unfair AdvantageTop 7 Reasons we WIN

118

Look forward to Continued Support &Trust from all of You

119

Intellect Global Consumer Banking - Full Spectrum Retail BankingRajesh Saxena

Chief Executive Officer, Intellect Global Consumer Banking

Retail Banking

1

5

2

3

4

Year 2020, Market Size and Retail Banking Trends

Our Purpose & Strategy

Why Intellect ?

Case Studies

Summary

Agenda

123

Year 2020 Size of the Market

Retail Banking Trends

Chapter 1

The COVID-19 pandemic has changed how we work, travel, communicate, bank, shop and more ….

124

2020-21: Retail Banking in the age of COVID-19

Source – EY Report: Four ways COVID-19 is reshaping consumer banking behavior

57%

24% 27%

Respondents expect banks to operate more

digitally in the next 12-24 months

• 57% fall in cash usage • Rise in payments using

• Credit cards (7% net)• Debit cards (10% net) • Online payment tools

(14% net)• Contactless as the preferred

payment option (up 34% net)

Banks need to accelerate digital transformation and customer experience across products andcustomer journeys

COVID-19 has changed everyone’s mindsets & circumstancesforcing banks and Intellect to adopt to remote working

Consumers who agree that banks will be more flexible in the next 1-2

years

125

Confidently navigated global crises and cameout stronger

FY 17 FY 18 FY 19 FY 20 FY 21

Resilient business model backed by consistent innovation-focused strategy

Revenue

126

#1 ranking by IBS Annual Sales

League Table 2021 Intellect

Global Consumer Banking (iGCB),

the retail banking arm of Intellect,

retained its #1 Global Leadership

position in retail banking for the

third time in a row.

7-time Leader in Gartner’s Magic Quadrant for retail banking

Confidently navigated global crises and came outstronger

Lending powered Yes Bank has won the award for Best Fintech Partner Bank in Asia for its API first initiative at IDC Financial Insights Innovation Award (FIIA)

Won the IBS Intelligence Award for the Most Impactful Project in Digital Lending Category for SVFC

Winner of ‘Most Innovative Product’ By Economic Times Innovation Award 2019-20 for CBX-O

Awards

127

Gartner : Peer Insight Ratings for Global Retail Core Banking

Highest Rating among peers

128

Year 2020 Size of the MarketRetail Banking

Trends

Chapter 1

Intellect Addressable Market - $ 10.8 Bn, growing at a CAGR of 10%

129

Huge Headroom for growth exists for Intellect Retail Banking

TOTAL ADDRESSABLE MARKET

INTELLECT SERVICE

ADDRESSABLE MARKET

CHANGE THE BANK MARKET

TAM

CBM

SAM

$60 Bn

$18 Bn

$10.8 Bn

Source – IBS, Ovum and Internal Estimates

CAGR – 10 %FY 2025 - $ 15.81 Bn

SAAS Revenue

15%

40%

FY 21 FY 25

130

Year 2020 Size of the MarketRetail Banking

Trends

Chapter 1

61% of bankers say a customer-centric business model is “very important”. Only 17% are “very prepared” for it

Source: PWC

131

Key Patterns in Retail Banking Technology

Marketplace & Ecosystem Thinking

Data InsightsAI/Machine Learning

Agility & DevOps

Cloud/SaaS

Open API & Cloud Native Architecture

Digital Customer Experience

58% Removing friction from the Customer Journey

43% Use of Big data, AI, AA and cognitive computing

33% Use of APIs and Open Banking

1

2

3

4

5

6Source: Digital Banking Report Research - The Financial Brand

Top Trends – Retail Banking Industry

132

Purpose4 Prong Strategy

Chapter 2

Calibrated, Consistent and Profitable Growth Trajectory in next 5 years

133

Our PurposeTo enable banks (our customers) deliver customer

delight to their customer at the lowest TCO

134

Our Strategy for Growth

Latest Technology Architecture

Product Growth Engines

Europe

Marketplace

135


✓ Microservices architecture

✓ Container technology for deployment

flexibility and scaling

✓ Continuous delivery:

✓ DevOps culture

✓ Cloud agnostic

✓ Private , Public and Hybrid cloud models

136

Architecture Blueprint

Intellect Back Office UI

Intellect CBX-R/C Portal / Mobile

Intellect Assisted Channel Portal / Mobile

Partner Portal / Mobile, Custom UI

SpecsProtocols &

Message Translations

Data Persistence &

Ingestion

Integration Services

Queuing & Events

API Orchestration

Orchestration & Foundation

Inward - API Proxy & Custom API Layer (Olive Fabric)

OAuth2

Entré

Exceptions & Notifications

Auditing & Governance

UI / Channels

Microservices

Database

Loan Management

Distributed Cache

Event Hub

Outward - Integration Layer (Olive Fabric)

Intellect Products

Customer Systems

External Systems

Other Systems

Customer API Gateway / ESB

Backend / Cloud Services

Read Store

Collateral & Limits Commercial Origination Retail Origination Common

137




Europe

Marketplace

138

Product Growth Engine 1 : IDC 21

In-built Analytics with ML

Powerful Back-end

Digital 360Cloud Native

Digital Apps with

Revamped UI/UX

Omni-Channel &

Future Ready

06 01

02

0304

05

• Fully integrated product suite • Composable Services - Deposits, Teller, GL,

CASA, CBX-C, CBX-R, IDL, Trade Finance, AML & Treasury

• Apps for retail & corporate banking• Completely Decoupled & Refreshing UI• Less clicks - Revamped UX

• Role based Contextual Dashboards• Cross sell/upsell using Predictive Analytics • Customer 360° view

• Enterprise wide Pricing Engine• Product Bundling• Payment Hub for P2P, Domestic & Cross border

with Europe readiness. • Multi Lingual Statements

• CSP Agnostic ( AWS, Azure, IBM )• Composable Business components• BIAN Compliant APIs

• Scalable Architecture-Capacity on Demand

• Enhanced BPM

IDC 21 - Composable. Contextual. Open API. Cloud Native

139

01

02

03

A total of 100 PBCs are supported by Intellect Digital Core through Intellect and 3rd parties and partners.

927 Externalized APIs with 842 being Self Sourced and 85 are partner APIs

BIAN Compliant APIs

IDC 21: Packaged Business Capabilities and APIs

140

IDC 21 Differentiators - Analyst View

Excellent Customer Feedback (Gartner, Forrester, Celent and IDC)

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 Wave 2020)

Operations is a bright spot and Maintenance cost one of the lowest(Gartner 2020)

141

Contextual & Real-time

Powerful Back-end

Integrated Lending Solution

Cloud Native

Digital Apps with

user-friendly UI/UX

Performance and Security Benchmarks

06 01

02

0304

05

• Fully Integrated Lending Suite across Retail, SME and Corporate

• Composable Components– Origination, Loan Mgmt, Collateral & Limits Mgmt, Debt Mgmt.

• Apps across loan life-cycle - Digital Agency, Digital Collector, RM Tablet on-boarding

• GPS and Geo-coding enabled apps

• ML based Credit risk analyst• Contextual Data Capture• Real-time exposure monitoring and

tracking• Customer 360° view across exposure

limits and counter-party

• Industry standard workflow engine

• Powerful Business Rules Engine

• Containers based deployment managed by Kubernetes for extreme scale

• Multi-Tenant & Multi-Lingual

• 5-minute Critical EOD for 1.2 Million Loans

• Key APIs benchmarked for 400-600 TPS

IDL 21 - Composable. Contextual. Open API. Cloud Native

Product Growth Engine 2 : IDL 21

142

Product Growth Engine 3 : Digital Bank

DNA of a Lifestyle Digital Bank

143

Collateral Management

Government Services

Credit/Market Operations

Trade Finance

Enterprise General Ledger

Treasury & Risk5

2

6

9

3

8

National Payment Systems 10

Banking Services Currency andVault Management

Depository & Public Debt Management

1 4

7

National Level Credit Aggregation &

Reporting 11

Cross Border FX Transaction Management12

Product Growth Engine 4 : Quantum Banking

144




Europe

Marketplace

145

Building Solution, Delivery and hosting capabilities in Germany

and UK

1

Europe22 Marquee clients – Cater Allen and

Otto. Last 2 in many deals

3 Fully Hosted IDC Solution in AWS Germany and UK

4Regulatory, open Banking ,

PSD2 Compliance

5 Kredit 360 Launch in Europe

Europe Strategy

146




Europe

Marketplace

147

Intellect Marketplace | A Banking Operating System

IDC

KYC Onboardin

g (3)Payment

s (1)

PayAgg(2)

Reg Techs

(1)

Engagement

and CXP(6)

Fraud & Protectio

n (2)

Advanced

Analytics (AI/ML)

(3)

Corporate

Banking(4)

PFM (2)

Extended

Solutions (3)

148

Why Intellect

Chapter 3

Proven at Banksof all Sizes,

across all Geographies

149

Why Intellect ?

Breadth of functionality

Open API and Cloud –Native Architecture

Domain

Expertise

Agile

Implementation

Deal Intensity &

Customer ReferenceabilityMarketplace &

Ecosystem Thinking

150

Why do we win ?

Traditional Vendors

NEO

Vendors

1. Architecture

2. Breadth of Functionality

3. 10 - 15% TCO benefit

4. Deal Intensity

1. Domain Expertise

2. Breadth ofFunctionality

3. One Stop Vendor

4. Customer References

151

Cloud Ready Products

Hosting Capabilities

IDC, IDL, CBX

Private & Public Cloud

India Canada UK Germany Dubai

Ready for SaaS Acceleration

Private Data Centres

AWS Microsoft Azure IBM FS

152

Breadth of Functionality

Breadth of Functionality

ArchitectureBreadth of

Functionality

DomainExpertise

The Winning Combination

+ + =

153

Tier 2 Bank in

North AmericaLarge Retailer in

EuropeBank of

Mozambique

Chapter 4 | Case Studies

154

Case Study

Tier 2 Bank | North America

AboutIntellect Products

Objectives

• Customer On-boarding

• Intellect CBX R

• Intellect CBX C

• Commercial Loan Origination

• Intellect Olive Fabric

• Enable bank to launch a digital bank, and digitally deliver the right client experience to the customers

• Broaden customer service offerings to direct customers

• Build a future-ready micro services, cloud native architecture

• Currently, serving only the Credit Unions

• Serving 5 million plus members

155

Case Study

Large Retailer | Europe


Objectives

• Loan Life Cycle Management

• Dunning

• Refinancing

• Factoring

• Accounting Engine

• Partner Settlements

• Complete digitization of credit business

• Scalable cloud architecture to support growing volumes

• Handle wide range of sales finance products with Factoring and Refinancing arrangements

• One Common Credit Platform to manage both B2B and B2C Business processes

• Germany's leading online shopping marketplace

• One of the biggest E-com players in Europe

• Handling over 40 Million invoices and 20+ million e-com loans

156

Case Study

Bank of Mozambique | Africa


Objectives

• Intellect Quantum Core

• Intellect Treasury

• Intellect Adrenalin HRMS

• Replace Legacy System built on SAP

• Standard Product with Best Practices

• Harvested from Intellect Expertise

• Reduce multiple interfaces. Consolidate Middleware with Olive Fabric

• Enable Online Access to Ministry of Economy and Finance & 19 Commercial Banks through Portal

• Banco de Moçambique) is the Central Bank of Mozambique.

• Bank reported Reserves of $2300 million (2019)

• Governs 22 Commercial Banks in the Country

• Operates 2 Branches and 11 Offices

157

CHAPTER 5

Summary

158

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 continue to be a Star performer, validating our strategy.

4. Healthy Pipeline. Last 2 in several deals

Overall cautiously optimistic about 2021-22 and strongly optimistic in the medium to long

term

159

Intellect SEEC - Insurance and Data BusinessBanesh Prabhu

Chief Executive Officer, Intellect SEEC

Areas of Focus: Cloud and Data

Born on the cloud• Insurance leaders scaling on digital channels is accelerating –

they are significantly outperforming over competition• We have 12 clients on the Cloud infra bringing in agility,

extensibility, better cyber security and scalability at significantly reduced costs

Data as the oil• Our Fabric Data platform (FDS) connects with 22 leading data

partners and data platforms for access to thousands of data elements & sources

• FDS supports all stages of data management from ingestion through triangulation, validation and enrichment

• We are seeing a significant increase in Personalized and Contextual Data and AI scaling in underwriting and claims processing to gain real time decisions and risk assessment

• A sampling of our data partners:

162

AI

• Purpose built AI models for Commercial Insurance, Banking and Wealth Management domains.

• Intelligent Data Platform to accelerate the product innovation and Go To Market across the geographies

• Dedicated research and development team with 400+ man years of expertise in niche AI technologies such as Natural Language Processing, Computer Vision with Deep Learning

• Operationalizing and scaling AI models with highest level of accuracy across various domains

Marketplace Platform

• Our partnerships with Marketplace platforms such as Salesforce, Snowflake and AWS provides an additional channel to market and sell our products across the geographies

• Marketplace platforms continue to become key distribution channels for our application and data business

• Our Centers of Excellence (COE) around Marketplace platforms offer skillsets to effectively use these technologies along with our solutions

Areas of Focus: AI and Marketplace Platforms

163

Classification Extraction

Validation and Enrichment Verification Integration

Functional CapabilitiesIntelligent Data Extraction – Contextual & AI based hyper automation platform

164

• Classification of broker submitted forms and excels for Large Commercial Insurance carrier in US

• Classification of 500 document types for Commercial Insurance carrier in US

Use cases

Classification

• Contextual Text and image-based classification

• Intelligent splitting and sorting of document bundle

• Classification of pages and sections within documents

Key Differentiators

165

• Extraction of key customer information for

eKYC as part of the customer on-boarding use

case for a Retail banking customer

• Extraction of key exposure and underwriting

details from various broker submission for

commercial underwriting with more than 98%

accuracy

Use cases• Contextual extraction leveraging purpose built

AI models across Banking, Insurance and

Wealth domains

• Extraction across structured, semi-structured

and unstructured input data types

• High extraction accuracies with little human

intervention

Extraction

Key Differentiators

166

• Aadhaar number validation against UIDAI

authentication API

• eKYC regulatory checks against government

mandates for large Life Insurance Carrier

Use cases• Validate extracted data against third party and

external sources of truth

• Validate data against business rules

• Pre-fill missing data with external data sources

Key Differentiators

Validation and Enrichment

167

• Human review of Aadhaar extraction

and masking exceptions based on

image quality

• Document review on highlight of any

business or compliance discrepancies

Use cases

• Human in loop to triage and make decisions

on exceptions, errors and approvals

• Quality checks based on extraction confidence

score at field level

• Intuitive point and click user interface for

quality reviewers

Key Differentiators

Verification

168

• Integration of existing customer on-

boarding systems to intake eKYC and

service documents in real time

• Integration with existing Aadhaar data

vaults for extraction and masking in bulk

mode

• Integration with Platform such as Salesforce

& AWS

Use cases

• An API-first approach

• Seamless integration with legacy systems and

cloud technologies

• Real Time mode for current needs as well as

Bulk Processing capabilities for document

backlogs

Key Differentiators

Integration

169

A large, rapidly growing Data Extraction Market

Banking Insurance

Manufacturing Healthcare

• Customer Onboarding

• Trade Finance• Mortgage

Processing• Legal Contracts• Risk and

Compliance

• New / renewal business Submissions from Brokerages

• Claims

• Patient Registration

• Physician Referrals

• Invoices• Purchase orders• Sales orders• Quality

Assurance records

$3.8B+ TAM

• Operationalised for Commercial Insurance companies in US

• Operationalised for FTSE 100 Wealth management company in UK

• PoV’s in progress for • Customer onboarding use cases for

leading Banks in US, Middle East and Australia

• Invoice Processing for Large Property Software company in US

• Magic Aadhar for Insurance and telecom carriers

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Enabling Contextual AI & ML Led Business Transformation

Manual

process

Bu

sin

ess

Pro

du

cti

vit

y

Time

Decision

Optimization

+

Cyborg

Enterprise

Minimal Human

Touch

& Better

Outcomes

Digitization &

Process Optimization

Limited Efficiency

+

Enhanced UX

Major Efficiency

& Effectiveness Gain

+ New Business ModelsTraditional Digital Transformation

Process

Automation

Contextual AI & ML Transformation

171

• Seconds to appetite match for quick submit • Auto trigger of account level risk Insights with

alerts• Automated requirements management• Routing & collaboration (external and internal)• Integration APIs

Auto Insights & Collaboration

• Company Name & location for quick quote

• 87% faster with 90% less resources• Auto Extract, Validate. Enrich• 20% data quality improvement• Feedback & deep learning models

Cognitive Intake

• STP Quote in < 2mns• Quote with UW Review 1

day• STP Bind in Minutes • Bind with UW Review 1-2

days

Decision

Shift to 70% Portal Quote and API driven

Broker submission

Next Generation UnderwritingAI & ML Approach For

• 100% submissions hit underwriter desk• 60-70% time to search/aggregate data from

some disparate sources leads to gaps in risk information

• Manual collaboration for missing requirements(email)

• Inaccuracies in underwriting decisions (false positives & false negatives in portfolio)

Manual assessment & Collaboration

• Many questions for a portal quote

• Days - weeks to manually triage broker submissions

• Inconsistency in triage decisions

• <2% data validated & enriched• Broker data error rates (7%)

Manual Intake

• Portal Quote in 3-5 days• Quote to Bind in 30+ days

Manual Decision

85% Broker Submission

via email/mail

& <15% Portal Quote

Manual Underwriting Process

Providing Underwriting ResilienceThrough Emerging Technologies

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And Innovative Business Solutions Through Out The Underwriting Life Cycle

INTELLECT’S DNA IS DESIGN THINKING

Prospecting

Submission Intake

Triage

UW Insights

Price

Quote

Bind

Prospect Prioritization

Magic Submissions

Submission Prioritization

Risk Analyst and Pre-fill

Underwriting Workstation

OUR SOLUTIONS

Xp

on

en

t

Su

pp

lem

en

tal R

eso

urc

es

CARRIER PROCESS

Intellect Transformation Accelerators

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© 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 system nor should the materials be disclosed to third parties without the express written authorization of Intellect Design Arena Limited.

The Contextual Composable Cloud Technology Conversations

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