Global IBS Sales League Table 2021

Ranks Intellect #1 in three

categories of the Financial Sector

The
Contextual
Composable
Cloud Technology
Conversations
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 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.

3
Table of Contents

7 49 75

Technology, Products & Markets
Arun Jain
Chairman and Managing Director
Composable Technology - Intellect
Fincloud for Digital & Cloud Acceleration
Rajesh Makhija
Chief Technology Officer,
Intellect Global Transaction Banking
Contextual Technology - Fabric Data
Platform and Intelligent Document
Extraction
Deepak Dastrala
Chief Technology Offer, Intellect SEEC

93 121 161

iGTB - Consumerisation of Commercial
Banking
Manish Maakan
Chief Executive Officer,
Intellect Global Transaction Banking
Intellect Global Consumer Banking -
Full Spectrum Retail Banking
Rajesh Saxena
Chief Executive Officer,
Intellect Global Consumer Banking
Intellect SEEC - Insurance and Data Business
Banesh Prabhu
Chief Executive Officer, Intellect SEEC
5
Technology, Products & Markets
Arun Jain
Chairman and Managing Director
7
5 Phases of
Technology
Evolution

8
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 Middleware such as Websphere,

Operating Systems, Database,
Weblogic, JBOSS in connecting Client and Introduction of Cloud Technology
Processing, Front end
Backend systems

Client was web based such as a

Scale up and Pay as you grow
website / portal

Technology vendors such as AWS,

Google cloud, Azure, IBM

9
 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 of AI/ ML/ System of Insights - faster,
Data technologies better decisions

API and Microservices led Reduce time to market,

architecture Greater Product Innovation

10
 Intellect’s
4 Exponential Technologies

11
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
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
& Package S
D5 D6 D7

Cloud/
Scale DevOps

13
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 Others..
Origination

14
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 Payments SCF … AML …

15
 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
Monitoring

C3 Operating Systems Storage Containers

Runtime

C2 Provisioning Host Management Security Logging

Provisioning

C1 IAAS

Infra

16
 Reference Architecture – C5 Application Development

Datastores Data Warehouse Streaming Languages &

Frameworks

C5
Application
Development

Container Registry Repository / App Defn CI / CD API Gateway

17
Our Products

18
 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
based multi- products across fintech
Banking by IBS institutions cutting-edge
product FinTech Corporate, reflecting its
Intelligence across the products and
platform Retail, Wealth, commitment
Sales League world platforms
powered by Capital Markets to continuous
Table 2020
AI/ML and Insurance and impactful
innovation

19
 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.

Life Time Value (LTV) of one

successful product is typically
$100 Mn to $500 Mn.
Building a
product around 1 5
Partnerships,
an identified Strategic Alliances
market need and Mining

20
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 –
• Industrialization – Scaling
Investments in Sales & Marketing
‒ Making processes robust and repeatable
• Brand building, gaining Market acceptance,
winning Analyst endorsements ‒ Ensuring D-3 OTIF, defect free delivery
• Investments in building Leadership bandwidth and • Monetization – Unlocking the value of IP investments
building expertise ‒ Better Pricing and Revenue realisation
• Expanding Customer footprint – Sharpening ‒ Alternatives in Pricing models to maximize
execution revenue
Resulting in • Customer Centricity – Fostering rewarding
Recognition as partnerships
Acquiring Winning key
Category
marquee logos deals
Leaders

21
Intellect – Our Lines of Businesses

Risk, Treasury
Corporate Retail Insurance Digital Solution Platform
& Capital Markets
Banking Banking

22
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
platform to manage firms’ cash and trade Digital Cards
Full-stack digital payments platform
Trade & Supply Chain Finance Corporate Retail
Integrated platform to manage two key Retail Banking (CBX Retail)
portfolios of the Corporate Bank
Banking Banking Driving contextual Digital experience

Liquidity Management Solution Digital Wealth ( Wealth Qube)

Best-in-class algorithmic contextual Relationship-centric digital wealth
Liquidity Management management solution

Payments Central Banking

Unified payments Designed for complexity reduction, real-time GL,
liquidity, risk management & complex payment
orchestration

Intellect Ranked #1 in 3 Categories in

Global IBS Sales League Table 2021

23
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, Treasury Integrating multiple data sources with Intelligence
for the Bank’s treasurer & Capital Insurance to guide the Underwriter

Asset Servicing (Capital Sigma)

Markets Magic Submission
An end to end transaction platform for Reimagine Submissions with the magic of AI
Custodians and Asset Managers

Contextual ALM 2020 (CALM 20) rated

among Top NextGen ALM and Balance Sheet Intellect Ranked #1 in 3 Categories in Global
Management solutions Worldwide. IBS Sales League Table 2021

24
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 Intelligent Data Extraction, Validation and
contextual synthesis

25
What is the
FinTech Market
Opportunity?

26
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% of pie
FY19 to FY23 journeys

27
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 support their and channel of rules, entitlements
growth interaction and workflows

High Performance Data as new oil

Technology Leveraging multiple
to support high sources of structured
volumes/high and unstructured data
availability for contextual
intelligence

28
to drive/address…

MCP
More Customers
Per Product
MPC
More Products
Per Customer

MTC
More Transactions
Per Customer

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
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 and Calypso

34
Why do we win?

35

We address the global
technology requirements of
• Banks – Corporate and
Retail
• Financial Institutions –
Central Banks, Non
OUR
WINNING
Banking Financial Houses
• Capital Markets - Mutual DIGITAL
Funds, Brokerage Houses, STRATEGY
Custodians
• Insurance Carriers
What problems do we solve
• 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
36
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 design,
of User Journeys that also cloud native and integration
make them 'composable' with other products/
regulatory ecosystem

37
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 Customer experience - driven

by API ecosystem and SDKs

05 Able to fill gap where competition

is fragmented

38
What has been our Journey so far?

39
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 nearly 1,700 Crs

05 Our cumulative AMC revenues are 1,327 Crs

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

40
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
Flywheel effect -
Increased Win ratio and Operating leverage power play

Faster Implementation

Increased Lower Cost

Referenceability

Increased wins
and installations

42
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
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
Company - to APAC, Middle East
sharpen the GTM and India. Expected
and then scale it - to close key deals in
both vertically and the next financial
horizontally year

44
Product-Cloud-Data
45
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
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
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 products the Cloud

48
Composable Technology - Intellect Fincloud for Digital & Cloud Acceleration
Rajesh Makhija
Chief Technology Officer, Intellect Global Transaction Banking
Agenda

01 Why Cloud

02 CBX - Digital Acceleration Platform

03 iTurmeric - Cloud Acceleration Platform

04 iFinCloud – Intellect FS Cloud

51
1. Why Cloud

52
Why Cloud - For our Customers ?

Business Elasticity & Reduced

Agility Scalability Complexity

53
Why Cloud - for Intellect ?

Innovation Operational Predictable

Efficiency Revenues

54
2. CBX – Digital Acceleration Platform

55
 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, across customer segments, adding new products and
across businesses and across products. capabilities without any
disruption to my current
ecosystem.
Pain
Points

56
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 to
and keep refreshing it to keep pace provide innovative experiences
with modern UX trends. to the customers.

Desires

57
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 Forecasting Finance Finance

C B O S – Corporate Banking Operating System +

iTurmeric Integration Platform

Product Processors Bank’s Product Processors

58
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 Operating System

APIs Events

iTurmeric Integration Platform

59
 CBX Digital Acceleration Platform - Key Benefits

Superior Customer Experience Rapid Time to Market Innovation

• Modern UX and contextual
capabilities.
• Extend, enhance or build your
own UI to keep with market
trends.
• OOTB services that are easily • Enable partners to build
extensible. niche and innovate apps.
• Converged platform enabling • Composable and Open APIs
reuse. increase distribution.

60
3. iTurmeric – Cloud Acceleration Platform

61
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 legacy systems of record and of the integrations across my
expose data and services as on-premise and cloud
standardized and simple APIs applications.

Pain
Points

62
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 business apps can be built using the
capabilities being offered. API ecosystem.

Desires

63
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
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
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
Channels Channels

Bank’s Channel Platform Channel Platform

APIs APIs

iTurmeric iTurmeric

Products Bank’s Products Bank’s Products

66
 iTurmeric Platform - Key Benefits
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.
Marketplace Enabler
• Enable banks to
collaborate & build
marketplace, resulting in
larger distribution
67
 4. iFinCloud –
Intellect Financial Services Cloud

68
 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 learnings across the organization.

69
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 &
Management

C3 Operating Systems Storage Containers

Runtime

C2 Provisioning Host Management Security

Provisioning

C1 IAAS

Infrastructure

70
iFinCloud DevSecOps – Accelerate Automation

Theta 1 -
4

71
 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 Data Cloud Native
Security & Computing
Privacy Foundation

72
 iFinCloud - Key Benefits
Extreme Agility
• Reuse of assets and cloud best
practices within Intellect for the
cloud operating model.
• Faster time to market for new
product capabilities.
Security & Compliance
• Best practices in security across
application, build and infra
layers.
• Adherence to various cloud
regulated compliances.
Reduced Costs
• Due to economies of scale
within Intellect.
• Process efficiencies due to
high levels of automation.
73
Contextual Technology - Fabric Data Platform and Intelligent
Document Extraction
Deepak Dastrala
Chief 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?

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 hours video users stream

Hosts 208,333 participants in meetings

347,222 messages posted

Source: DOMO

79
 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 of Video

Petabyte 1018 Exabyte 2010

The CERN Large Hadron 1015 2.5 EB is created on Internet each day
collider generates 1 PB per sec

1012 Terabyte
Gigabyte 109 Facebook=500TB/day 2005
106 Megabyte

Source: OMEDA, Statista, Cisco

80
URGENT NEED

81
 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
SOLUTION

83
 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 appropriate domain from scalable, and integrate-able services
multiple sources of information, including both
structured and unstructured

Real time Data Ingestion Data Centric Security

Realtime data ingestion and processing Security and privacy are “built-in” design
capability that can deal with different aspects principles to access ubiquitous data in
of business data such as Volume, Variety, secure way
Veracity & Velocity
Fabric Data IDX

Company search Location Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI Model Triangulation Consensus Analysis Classification Segmentation
Extraction

Pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

84
 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 IDX

Company search Location Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI Model Triangulation Consensus Analysis Classification Segmentation
Extraction

Pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

85
 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 Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI Model Triangulation Consensus Analysis Classification Segmentation
Extraction

Pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

86
 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 accuracy
benchmarking
Purpose built Domain specific models contextual to industry specific problem
statements

Fabric Data IDX

Company search Location Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI Model Triangulation Consensus Analysis Classification Segmentation
Extraction

Pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

87
 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 data veracity

Easy accessibility to custom data packages for specific problem statements

Fabric Data IDX

Company search Location Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI Model Triangulation Consensus Analysis Classification Segmentation
Extraction

Pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

88
 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 coverage

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

Intelligent redaction of PII and sensitive data to ensure regulatory compliance

Fabric Data IDX

Company search Location Search People Search Classification Extraction Validation

Data Trust & Sentiment Document Layout

Image to Text Named Entity
AI model Triangulation Consensus Analysis Classification Segmentation
Extraction

pipeline Topic
De Duplication
Contextual Image Object Image Semantic
Modelling Extraction Pre-Processing Detection Post-Processing Analysis

Big Data Structured Semi Structured

+ Data Connectors
+ Unstructured Internal

Cloud & DevOps

89
 The capabilities developed by Intellect
These already have a track record of successful installations
01 FABRIC PLATFORM
▪ 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.
02 FABRIC DATA
▪ 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
03 IDX.ai
▪ 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
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 2020
Intellect SEEC recognized as a "Full
AI Suite Provider" who can help
carriers streamline their underwriting
workflows
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
Novarica rates Intellect SEEC’s IDX
as an Intelligent Text Ingestion
solution for Advanced Underwriting
with AI & ML playing a larger role.
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
2020
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 # 1
Best Selling Wholesale
Banking – Transaction
Banking Solution in the world

96
Over Three Decades of
Innovation & Leadership in Transaction Banking

97
 14
10 EUROPE
AMERICAS

19
51 APAC
IMEA

94 customers 91 countries
98
 Built on
Contextual
Composable
Hyperscale
Secure
Cloud
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 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 revenues

The top 12 investment banks’ revenues

from transaction banking jumped to
$31.3bn.

101
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
Our Customers are our Big Promoters
2020 NPS Score of 60

103
Analyst Recognition

104
 Our Leadership Position is Endorsed by
12 Market Leading Analysts
#1 Partner of Choice for Digital
Transaction Banking
Transformation Programs
Top Trends in Corporate Banking 2019-2020
#1 PACESETTER IN CUSTOMER ENGAGEMENT
Cited for developing persona-based customer
Only Product company with complete Corp Banking
STRONG PERFORMER
The Forrester Wave™ 2020 : Digital
Banking
Engagement Platforms
#1 FOR RETAIL BANKING
#1 FOR TRANSACTION BANKING
#1 FOR INSURTECH
IBS Annual Sales League Table 2021
2 GLOBAL FINTECH INNOVATION
AWARDS
Worldwide End-to-End Corporate Banking
Most Innovative Digital banking platform at
HLBB
Best payment system implementation at
CIBC
Future Ready Payments Implementation
#1 IN GLOBAL PAYMENTS SYSTEMS
#3 IN GLOBAL DIGITAL BANKING &
CHANNELS
IBS Annual Sales League Table
MODEL BANK AWARD
Emirates NBD wins for Transaction
Banking Transformation
PERSONA-BASED UI
journeys
ADVANCED A.I. MOUNTAINEER
suite with integrated UX,UI
2 XCELENT AWARDS
Advanced Technology and
Breadth of Functionality
iGTB IS A NOTABLE EXAMPLE #1 FOR OPEN BANKING
Extensive use of micro services and Full Score on Interactive
cloud-native PaaS technologies
LEADER IN TRADE FINANCE
MarketScape report: Worldwide Trade
Finance Systems 2020
LEADER IN ORPORATE BANKING
SOLUTION
Solution Providers 2019
FINTECH 100: 3 REAL RESULTS
AWARDS
at CIBC
Digital Transformation Leader at IDFC
Customer Experience at NBK
GOLD CLASS
AWARD
Digital Transaction
Banking
INNOVATION AWARD FOR CUSTOMER
EXPERIENCE
Abu Dhabi Islamic Bank
Open Banking Channel TOP 5 TRADE & SUPPLY CHAIN VENDOR
Capabilities Aite Matrix: Trade Finance Software Report
#1 FOR APIs
Top Rating on all six measures:
Development, Wholesale banking, Sandbox,
Connectivity, Management and Analytics
CASH MANAGEMENT
SURVEY 2020
#1 Mashreq Bank
#5 Emirateds NBD
TRADE FINANCE SURVEY
BEST PAYMENTS HUB
2021 – 2019
Santander wins inaugural award
#4 Raiffeisen Bank International
INNOVATORS IN CASH MANAGEMENT
FAB wins for the Global Cash Position Mobile App
BEST INTEGRATED CORPORATE BANKING
SITE
Abu Dhabi Islamic Bank wins for ME
FINTECH POWER 50 BEST BANK FOR LIQUIDITY MANAGEMENT
Transforming First Abu Dhabi Bank wins for ME
Financial HSBC wins in Asia Pacific
Services 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
LEADING GLOBAL VENDOR Lebanon
Online Banking Solutions First Abu Dhabi Bank wins for UAE
Technology Analysis HLBB wins for Malaysia
CIBC wins for North America and Canada
2 PRODUCT INNOVATION AWARDS
Ripple-backed Payments Solution
Corporate Banking on the Watch
105
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
Our Investments in Modern Cloud Platforms
Ready to Fast Forward to Digital Next

107
 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 integrated

transaction banking solution globally
Digital Transaction
Banking

processes transactions worth

$350+billion pays
KEY FUNCTIONALITY

No other vendor has

ARCHITECTURE

Cloud-ready with
COMPETITION

Win rate of
CLOUD

$50billion
every year fully integrated cash composable & 60% from all
and trade offering contextual RFPs
including supply digital. participated
salaries every year chain finance, front Significantly in the last 4
over

100billion
to back. superior digital years
Capable through experience with
iZoom to go live for respect to the Finastra
corporate transactions a bank within weeks. competition Oracle
executed every year
Nucleus
Software
(Asia)

108
 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+
proven customer TB journeys
White label digital banking
for corporations, SME/SMB
covering Payments,
Best-next-action
Best-next-offer
UX-led
Cloud native, API-first
Fully open source
Coconet
Finastra
Contextual powered by Infosys
Account Services, Liquidity, Persona-based AI/ML Internal IT
Collections & Receivables, Covering all Cross-domain data fetch
Virtual Accounts, Escrow corporate banking
offering Full score (Gartner) for

450+
Management and Cash domains
Flow Forecasting interactive open banking
Part of Intellect CBX
channel capabilities
family
open banking APIs Singled out by Accenture
as notable example of
extensive use of
microservices and cloud-
native PaaS technologies

109
 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 invest in supporting predictive
liquidity”

STAGE 5

#1 market leader in liquidity

management, live in all continents
Liquidity Management
Solution

allocates interest on over sweeps over

$35trillion $4trillion
CLOUD
KEY FUNCTIONALITY ARCHITECTURE COMPETITION

Comprehensive Pegasus Two of our largest

notional pools every year cash every year sophisticated cash engineering. liquidity
concentration, notional management
Born in the
pooling, intercompany competitors’ clients
processes worldwide cloud, API-first,
loans, investments plus have chosen to

23%
micro services,
much more including replace with iGTB
pure open source,
protecting bank balance LMS in the last 12
real time.
sheet. months.
of major currency cross-border Front office uses
MNC sweeps Includes predictive Tieto
Lisa SPA for
liquidity/CFF, real time Infosys
banks’ clients and
funds control and virtual
bank staff. ReVal
accounts including
Escrow.
Country coverage
meanslocal regulations
and taxation hold no fears
for LMS.
110
 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-sensitive corporate

payments optimizing interactions
Payments Services
Hub

rolled out by one bank every

4-6 weeks
CLOUD
KEY FUNCTIONALITY ARCHITECTURE COMPETITION

Corporate payments in the Contextual digital Bottomline

to a new country Cloud native Finastra
now live in 19 countries cloud
Payments pre-processing API-first ACI
Fully open source Fiserv

>1million
Orchestration
Execution FIS
Limits management
payments processed per hour in live use Remittance repository
ISO 20022 rapid adoption

111
 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, risk mitigation & partner ecosystem
Trade & Supply Chain
Finance

KEY FUNCTIONALITY PARTNER ARCHITECTURE COMPETITION CLOUD

ECOSYSTEM
Only solution covering both trade Finastra
finance and SCF fully AI/ML/NLP
according to the ICC according to the ICC Surecomp
Best next actions

$60bn $20bn
Transformational and sustainable China Systems
IoT
Risk participation, distribution Open banking,
and mitigation fully composable
trade finance SCF opportunity Digital 360
opportunity for banks for banks Fast supplier onboarding APIs
IDX smart paper-killer that reads Cloud deployable
any form
Limits management

112
 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
iGTBOxford School of Transaction Banking
Research & Learning Programs

114
 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

Business Head Business Head CMO, iGTB CTO, iGTB
Digital, Payments & DTB, Trade, Supply Chain
Liquidity

115
 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 PRODUCTS

116
Our Evolving & Expanding
Technology Partner Program

117
 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. Experienced & Stable Leadership Team
Growth over
7. Only Brand that Focuses on GTB
Next 5 Years

118
Look forward to Continued Support &Trust from all of You

119
Intellect Global Consumer Banking - Full Spectrum Retail Banking
Rajesh Saxena
Chief Executive Officer, Intellect Global Consumer Banking
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
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
 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 cards (7% net) customer journeys
digitally in the next 12-24 flexible in the next 1-2
• Debit cards (10% net) months years
• Online payment tools
(14% net)
• Contactless as the preferred
payment option (up 34% net)

COVID-19 has changed everyone’s mindsets & circumstances

forcing banks and Intellect to adopt to remote working

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

125
 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
Confidently navigated global crises and came out
stronger
#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.
Awards
Lending powered Yes Bank
has won the award for Best
Fintech Partner Bank in Asia
7-time Leader in Gartner’s
for its API first initiative at
Magic Quadrant for retail IDC Financial Insights
banking 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
127
Gartner : Peer Insight Ratings for Global Retail
Core Banking

Highest Rating
among peers

128
Chapter 1

Retail Banking
Year 2020 Size of the Market
Trends

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

129
 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
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
 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 Open Banking

5 Data Insights
AI/Machine Learning
Source: Digital Banking Report
6 Marketplace & Research - The Financial Brand
Ecosystem Thinking

132
Chapter 2

4 Prong
Purpose
Strategy

Calibrated, Consistent and Profitable Growth Trajectory in next 5 years

133
 Our Purpose
To enable banks (our customers) deliver customer
delight to their customer at the lowest TCO

134
Our Strategy for Growth

Latest Technology Europe

Architecture

Product Growth Marketplace

Engines

135
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
 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 Layer (Olive Fabric) Outward - Integration Layer (Olive Fabric)
Entré Orchestration & Foundation Integration Services
API Exceptions & Auditing & Protocols & Data Queuing &
Specs OAuth2 Message Persistence &
Orchestration Notifications Governance Translations Ingestion Events

Microservices

Loan Management Collateral & Limits Commercial Origination Retail Origination Common

Backend / Cloud Services

Distributed
Database Read Store Event Hub
Cache

137
Our Strategy for Growth

Latest Technology Europe

Architecture

Product Growth Marketplace

Engines

138
 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 retail & corporate banking

• Scalable Architecture-Capacity on
05 02 • Completely Decoupled & Refreshing UI
Demand Omni- Digital Apps • Less clicks - Revamped UX
• Enhanced BPM Channel & with
Future Revamped
Ready UI/UX

• Enterprise wide Pricing Engine Powerful In-built

• Product Bundling Back-end Analytics • Role based Contextual Dashboards
• Payment Hub for P2P, Domestic & Cross border • Cross sell/upsell using Predictive Analytics
with Europe readiness.
04 with ML 03 • Customer 360° view
• Multi Lingual Statements

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

139
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
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 Wave 2020)

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

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

141
 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,
Native Lending Debt Mgmt.
Solution

• Apps across loan life-cycle - Digital

• 5-minute Critical EOD for 1.2 05 02 Agency, Digital Collector, RM Tablet on-
Million Loans Digital Apps boarding
Performance
• Key APIs benchmarked for with • GPS and Geo-coding enabled apps
and Security
400-600 TPS user-friendly
Benchmarks
UI/UX

Powerful Contextual • ML based Credit risk analyst

• Industry standard workflow Back-end & Real-time • Contextual Data Capture
engine 04 03 • Real-time exposure monitoring and
• Powerful Business Rules Engine tracking
• Customer 360° view across exposure
limits and counter-party

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

142
Product Growth Engine 3 : Digital Bank

DNA of a Lifestyle Digital Bank

143
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 Credit Aggregation &
Trade Finance Systems Transaction Management
9 10 Reporting 11 12

144
Our Strategy for Growth

Latest Technology Europe

Architecture

Product Growth Marketplace

Engines

145
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
Our Strategy for Growth

Latest Technology Europe

Architecture

Product Growth Marketplace

Engines

147
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
Chapter 3

Proven at Banks
Why Intellect of all Sizes,
across all Geographies

149
Why Intellect ?

Breadth of Open API and Cloud – Domain

functionality Native Architecture Expertise

Agile Deal Intensity & Marketplace &

Implementation Customer Referenceability Ecosystem Thinking

150
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
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
The Winning Combination

Breadth of
Breadth
Breadthofof Domain
Functionality
Functionality
Functionality
+ Architecture + Expertise =

153
Chapter 4 | Case Studies

Tier 2 Bank in Large Retailer in Bank of

North America Europe Mozambique

154
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
• Commercial Loan to the customers
Origination • Broaden customer
• Intellect Olive Fabric service offerings to
direct customers
• Build a future-ready
micro services, cloud
native architecture

155
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 • Refinancing growing volumes

• Handling over 40 • Factoring • Handle wide range of

Million invoices and sales finance products
• Accounting Engine
20+ million e-com loans with Factoring and
• Partner Settlements Refinancing
arrangements

• One Common Credit

Platform to manage
both B2B and B2C
Business processes

156
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 Practices
of $2300 million • Harvested from
(2019) Intellect Expertise
• Governs 22 Commercial • Reduce multiple
Banks in the Country interfaces. Consolidate
• Operates 2 Branches Middleware with Olive
and 11 Offices Fabric
• Enable Online Access to
Ministry of Economy
and Finance & 19
Commercial Banks
through Portal

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 Business
Banesh 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
Areas of Focus: AI and Marketplace Platforms
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
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 Functional Capabilities
Intelligent Data Extraction – Contextual & AI based hyper automation platform

Classification Extraction

Validation and Enrichment Verification Integration

164
 Classification

Key Differentiators
• Contextual Text and image-based classification
• Intelligent splitting and sorting of document
bundle
• Classification of pages and sections within
documents
Use cases
• 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

165
 Extraction
Key Differentiators
• 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
Use cases
• 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
166
 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 checks against government

mandates for large Life Insurance Carrier

167
 Verification
Key Differentiators
• 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
Use cases
• Human review of Aadhaar extraction
and masking exceptions based on
image quality
• Document review on highlight of any
business or compliance discrepancies
168
 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 and masking in bulk
mode
• Real Time mode for current needs as well as
Bulk Processing capabilities for document • Integration with Platform such as Salesforce
backlogs & AWS

169
 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
• Risk and Banking Insurance • Claims • PoV’s in progress for
Compliance • Customer onboarding use cases for
leading Banks in US, Middle East and
Australia
• Invoices • Invoice Processing for Large Property
• Purchase orders • Patient Software company in US
• Sales orders Registration • Magic Aadhar for Insurance and
Manufacturing Healthcare
• Quality • Physician telecom carriers
Assurance Referrals
records
$3.8B+ TAM

170
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 & Process

Process Optimization Automation

Manual Limited Efficiency

process +
Enhanced UX
Time

171
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 from
email/mail • Days - weeks to manually some disparate sources leads to gaps in risk • Portal Quote in 3-5 days
& <15% • Quote to Bind in 30+ days
triage broker submissions information
Portal
Quote
• Inconsistency in triage • Manual collaboration for missing
decisions requirements(email)
• <2% data validated & enriched • Inaccuracies in underwriting decisions (false
• Broker data error rates (7%) positives & false negatives in portfolio)

AI & ML Approach For Next Generation Underwriting

Cognitive Intake Auto Insights & Collaboration Decision

Shift to
70% Portal • Company Name & location for quick • Seconds to appetite match for quick submit • STP Quote in < 2mns
Quote and quote • Auto trigger of account level risk Insights with • Quote with UW Review 1
API driven • 87% faster with 90% less resources alerts day
Broker • Auto Extract, Validate. Enrich • Automated requirements management • STP Bind in Minutes
submission • 20% data quality improvement • Routing & collaboration (external and internal) • Bind with UW Review 1-2
• Feedback & deep learning models • Integration APIs days

172
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 and Pre-fill

Price
Underwriting Workstation
Quote

Bind

Intellect Transformation Accelerators

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