This document (including, without limitation, any product roadmap or statement of direction data) illustrates the planned testing, release and

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2 Innovation in Banking Profitable Growth through Customer Focus David Rosen Vasil Kajcovski 2

3 DISCLAIMER During the course of this presentation, TIBCO or its representatives may make forward-looking statements regarding future events, TIBCO s future results or our future financial performance. Although we believe that the expectations reflected in the forward-looking statements contained in this presentation are reasonable, these expectations or any of the forward-looking statements could prove to be incorrect and actual results or financial performance could differ materially from those stated herein. TIBCO could experience factors that could cause actual results or financial performance to differ materially from those contained in any forward-looking statement made in connection with this presentation. TIBCO does not undertake to update any forward-looking statements that may be made from time to time or on its behalf. This document (including, without limitation, any product roadmap or statement of direction data) illustrates the planned testing, release and availability dates for TIBCO products and services. This document is provided for informational purposes only and its contents are subject to change without notice. TIBCO makes no warranties, express or implied, in or relating to this document or any information in it, including, without limitation, that this document, or any information in it, is error-free or meets any conditions of merchantability or fitness for a particular purpose. This document may not be reproduced or transmitted in any form or by any means without our prior written permission. The material provided is for informational purposes only, and should not be relied on in making a purchasing decision. The information is not a commitment, promise or legal obligation to deliver any material, code, or functionality. The development, release, and timing of any features or functionality described for our products remains at our sole discretion.

4 Download the App to download the TIBCO NOW App visit now.tibco.com/2018/mobile-app 4

5 Topics and Agenda Drivers of Innovation and Disruption in Banking TIBCO Connected Intelligence for Banking Innovation Panel Discussion: Innovation Success Stories 5

6 Schedule your sessions on the TIBCO NOW app now.tibco.com/2018/mobile-app 6

7 Drivers of Innovation and Disruption in Banking 7

8 Innovation Patterns in Banking Innovative new offers by competitors Margin compression Monetize Data Increased revenues from innovative new offers and business models Streamline Customer Experience Increased revenues from new products, digital sales, and using data to cross-sell +30 Increased operational risk Lower operational costs, automation/digitization, and transaction migration -6 Predict Disruption Optimize Value Chain Profitability Remove Channel Friction Empower Employees Total -35% +45% SOURCE McKinsey Analysis (% of net profit for a sample of retail banks) Act On Customer Insights Extend Control (to customers) 8

9 Solving Pain Points Personalization & Privacy Storage Laws Speed and Real-Time Unbound Infrastructures Overly Powerful Intermediaries Supply & Demand Imbalance Capital Productivity 9 Actionable Insights Digital Engagement Compute & Structural Inefficiencies Rapidly Shifting Technology Leaps Customer Expectations Disruption Leads to Innovation Inefficient Data Infrastructure Insufficient Intelligence Continuous Change / Continuous Adaptation

10 Blurring of Channels Channel mix is shifting, but the real story lies in how customers are choosing to mix and match depending on where, when and why they engage. 10

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15 Unique Insights from Data Fast growing teams are addressing meaningful opportunities in new markets, products, productivity and risk with advanced analytics.

16 Digital Innovation at the Core of Transformation

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18 Algorithmic Automation Combining deeper knowledge of customers history with real-time contextual streaming, allows banks to deliver a high degree of relevance at scale vastly improving customer experience, satisfaction and loyalty. 18

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20 Value Chain Optimization FinTechs have tried to cherry-pick the most attractive customer and product segments from traditional banks, but established institutions are fighting back and reclaiming their leadership with their own innovation. 20

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23 Customers in Control Increasingly, the dominant factor in digital transformation has been the ability to allow customers to shape their own banking experiences. 23

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27 Extreme Personalization 73% OF CEOS acknowledge the need for products, services and experiences that are more meaningful to their customers. Accenture Put Your Trust in Hyper-Relevance

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31 Innovation Required Capabilities Learn & Adapt Sense and Respond Connect & Assemble 31

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33 Applying CI to Banking Innovation Channel/Network Design & Optimization Next Best Offer / Conversation Features and Pricing Test & Learn Segmentation and Scoring Risk Mitigation and Fraud Customer 360 and Profit Drivers Back-Office RPA Customer Journey Management

34 Visual analytics Data and systems Streaming analytics Embedded analytics APIs People and processes 34

35 TIBCO Connected Intelligence for Banking Innovation 35

36 We Spoke About How To: Monetize Data Communicate in Real-Time Add Personalization Improve Customer Experience Add Intelligence in the Conversation Act on Customer Insights Become Algorithmic 36

37 The WOW Effect in Banking! 37

38 In the Meantime In Banking: The hunt for the Customer s Wallet has never halted and continues at higher pace The traditional banking customer of today lives and operates in a digital world and economy Primary channel of communication is digital and real-time Customers demand information and service - NOW 38

39 I am the Only_Customer of My_Bank BANK CUSTOMER A single intelligent conversation with A single insightful conversation with MY_CUSTOMER MY_BANK 39

40 Reasserting the Customer as the Most Strategic Asset capture, manage, and utilize client intelligence data in motion data at rest their values // their hot-buttons // their concepts // their metrics // their behaviors 40

41 The Importance of Customer Events Next-Gen Banking Architecture is: Real-Time Event-Driven Smart Self-Learning Customer-Oriented At any expected or unexpected event points, the DEMAND is already created How to be the FIRST to KNOW and CAPTURE it and ACT in REAL TIME 41

42 Banking Reference Architecture (/past /future) Machine Learning Personalization and Validation Compliance Real-time, Event-driven, Rule-based High-performance and distributed, In-memory architecture Event-Driven Cloud Predictive Customer Interaction Experience Microservices Fulfillment Backbone Fraud Detection Reporting, Analysis / Collaboration 360 Customer View MDM Integration / Enterprise Messaging Loans Deposits Credit Cards Mortgages Insurance Investments Gateways Operational End-to-end Monitoring and Management High-Performance, Low-Latency Messaging Data Privacy & Security Smart Analytics Payments CRM AI Core Banking Processes Cloud-Ready HR Systems Core Back-office Processes Serverless Auto-Scale Simulation Models 42 API s

43 Case Study KB Kookmin Card Real-time, Personalized, Right Offer Objective Credit card business transformation by increasing customer spend and satisfaction. Increase market share by offering real-time, highly-personalized marketing campaigns. Business Outcomes: 1. From 30 to 300 real-time simultaneous campaigns. KB Card Invests in the Future Innovation, flexibility, fast results 2. REAL-TIME ANALYSIS of credit card use. 3. Increased sales of about US$ 600 MILLION. real-time campaigns, improved customer experience, minimized dependency on IT 43

44 Case Study Bank of Montreal Building a Real-Time Customer Experience Challenge Capability to better serve customers and provide relevant offers whether they interacted with the bank in a branch, through a call center, or in digital space. Business Outcomes: 1. Integration of all customer channels to all products and services across all lines of business. 2. Real-time event processing to trigger actions based on the right customer relevant events. BMO Invests in Exceptional Customer Experience % reductions in time to market for our business process automations, 40-50% reduction of integration costs, real-time offers increased from only 5% of the time to now more than 60% of the time. have those relevant timely conversations with our customers across channels 4. Highly relevant offers, 3X greater acceptance. 44

45 Case Study Citibank Asia Increased Profitability and Customer Satisfaction Objective Digitally transform to a new way of working, bring agility, cost reduction, and a focus on quality. Build simple systems for a remarkable customer experience to stay ahead of our competition. Business Outcomes: 1. Framework built on TIBCO to launch new products & services rapidly 2. Create contextual campaigns and outreach waves to ensure maximum penetration. 3. Consistent experience via 13 different channels for customers Citibank Invests in Transformation Strategy, agility, innovation, flexibility, fast results simple systems for a remarkable customer experience 45

46 Technology Innovation Use Cases 46

47 Banking Innovation Discussion WEN YONG US Bank DAN HUDSON First Citizens Bank WALT SPENCER Morgan Stanley 47

48 Innovation Topics Major drivers of Innovation (Industry, Company) Innovation process and best practices Measures of Innovation success Looking to the future of Innovation 48

49 Questions Please wait for the microphone before asking your questions State your name & company Please Remember to download the TN App and complete the survey for this breakout 49

50 Next Steps on Your TIBCO NOW FSI Journey FSI Focus Group Banking Demos Join our table to continue the conversation! Visit our industry experts and watch demos on Risk Management Fraud Detection Real-time Contextual Banking Location: Technology Hub, Bristlecone Ballroom, Level 1 When: Tuesday lunch Wednesday breakfast Location: Technology Hub, Bristlecone Ballroom, Level 1 When: Throughout TIBCO Now 50

51 Related Sessions at TIBCO NOW MetLife: Open Data Access for Everyone; Transforming with Data Virtualization Tuesday 1:00 PM Location: Ironwood 8 ADIS: Digital Process Automation and Analytics to Sustain Growth Wednesday 2:00 PM Location: Ironwood 1 RBC Capital Markets: AI and Machine Learning Use Cases Tuesday 3:15 PM Location: Juniper 1 First Citizens Bank: Revolutionizing Fraud and Dispute Management Tuesday 3:15 PM Location: Ironwood 7 Fannie Mae: Enterprise Messaging Architecture for Digital Business Thursday AM Location: Ironwood 3 US Bank: Cloud-based Mortgage Lending, Customer Experience, and Service Quality Thursday AM Location: Ironwood 1 AA Ireland: Combining Advanced Data Analytics and Complex Event Processing using TIBCO Thursday 3:00 PM Location: Juniper 1 51

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