Universal AI Banking Platform

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1 Universal AI Banking Platform A conversational AI banking platform that delivers the best CX (customer experience). Allows customers to engage seamlessly with your bank across channels such as Web, App, IVR, etc.

2 SOLUTION BRIEF PAGE 2 of 5 Overview The financial services industry is undergoing a transformation driven by expanding customer expectations for convenience and personalization. AI technologies are bridging the gap between what financial institutions currently offer versus what customers want. These technologies focus on personalization, quick response, relevance, and channel agnostic delivery to enhance customer experiences. AI technology is a top priority for C-level executives and members on the board of financial institutions. Investments in AI have increased with focus on digital-first customer experiences and the need for cross-channel and cross-device access. Also, with advancements in AI, financial institutions will now be able to derive business value from the large data sets they have been collecting over the years. Our Value Proposition Payjo's AI banking platform is designed to help financial institutions achieve the following four goals: Delight customers with omni-channel & intelligent experiences Save on customer servicing cost through automation Payjo AI Banking Platform Payjo s AI-powered Banking platform leverages Artificial Intelligence (AI) to truly democratize access to personalized assistance for each and every customer of the Bank. With the use of Natural Language Processing (NLP), Payjo reduces friction across all the digital touch points between the Bank and the customer to significantly increase the digital channel adoption and make them 21st century ready. Grow revenues through upsell/cross sell and by converting prospects Retain clients by rewarding loyalty and creating personalized journeys Further, with the use of Machine Learning (ML), Payjo analyses the wealth of data gathered from all customer touch points to predict customer behaviours, minimize future risks and maximize opportunities.

3 SOLUTION BRIEF PAGE 3 of 5 A high-level view of our platform Highlights Below are the key highlights of the Payjo AI banking platform: Universal AI Platform - A single platform with significant impact on a financial institution s top-line, bottom-line and NPS. Zero drop-rate - Customers can pick up conversations that they left off on one channel and continue or complete it on another channel, without having to start over. Commerce Integrations - Our AI agents can be integrated with over 45 different online services such as Uber, Yelp, Zomato, and many more. Pre-build Experience - Programmed with over 300 pre-trained machine learning models and workflows. Easy CRM and IT System Integration - Connects easily with core IT systems and CRMs allowing financial institutions to gather key information from customer interactions and input them to a CRM. Payjo is live with the most number of Transactional AI Agents at banks across the world, including some of the largest and the most innovative banks in the world. Reporting and Analytics - CXO dashboard designed with a simple and intuitive interface to provide key metrics for business management decision making. Our implementations have reported up to 52% savings in support costs and 7% increase in revenues, within the first year.

4 SOLUTION BRIEF PAGE 4 of 5 Features and Functionalities Omni-Channel Learning Unmatched Data Volumes Most Comprehensive range of AI Agents Enterprise Ready Platform Our platform integrates with all of the Payjo s platform processes 15,000 requests Payjo provides the most comprehensive Centrally shared ontology to ensure data digital channels offered by financial per second or 1.3 Billion requests every day range of AI Agents in the industry, covering consistency, NLU processing, validation, and institutions today (including website, and this gives us an enormous set of Smart Information and Product Discovery data security mobile app, social media, , and more) as well as futuristic platforms of tomorrow, building a common knowledgebase across platforms. It acts as an intelligent first responder to handle customer servicing, lead generation and recommendations autonomously. Secure and Compliant The platform is built with a huge emphasis on security. The system has gone through extensive security audits and is in production with a number of banks. It is compliant with GDPR, MiFiD II & PCI DSS. Designed for Millennials Payjo s algorithm is designed to accommodate the millennial mindset and learn quickly to cater to user behaviour patterns of today s users. conversational data unmatched in the industry. We leverage this data set with our automated proprietary deep learning algorithms to continuously improve our conversational models and always provide the best customer experience. Voice Enabled Agents The underlying platform is built for both voice and text. Hence the same core platform enables you to deploy to voicefirst channels like Smart Home devices, Connected Cars and Contact Center IVR. Dedicated Editorial Services Payjo s unique feature set includes a Dedicated Editor (as a service) who is responsible for knowledge creation and maintenance with a quick turnaround of 24 hours. to Smart Transactional to Intelligent PFM experiences offering a full gamut of AI Agents that are proactive and reactive. Smart Conversion AI Agent: Payjo s unique offering includes a smart conversion AI Agent that helps grow bank revenues up to 20% by ensuring zero-drop rates with intelligent contextbased navigation and voice support while onboarding customers. It even goes up to the extent of following up with automated phone calls (and rescheduling if busy), browser notifications, via /SMS. ADA compliant AI Agent: An industry first, Payjo provides ADA compliant AI Agents making meaningful differently-abled friendly banking possible. Hosting Payjo s proprietary deep learning models and machine algorithms enable us to deploy the platform On-Premise, On-Cloud Channel and language agnostic processing to enable simultaneous omni-channel and multilanguage operation Multi-level data models to power conversational, behavioral, and personalization system behavior. Integrated data pipelines for constant system monitoring, model generation and optimization, with full compliance verification and review EU-GDPR and US privacy regulations compliance Full administration, maintenance and updates of the end-to-end enterprise conversational AI agent processing. Multilingual AI Payjo s bot supports multiple (100+) languages for users around the world. or Hybrid

5 PAGE 5 of 5 About Payjo Payjo, Inc. is the leading AI Banking Platform, founded in It is headquartered in San Mateo, California. Founding team comes from some of the core AI groups of Microsoft and Stanford with over 25 years of experience in financial software generating close to $50 Million in revenue and $2 Billion in transactions. For more information, please visit sales@payjo.co USA: INDIA: