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ValueScape, Analytics Inc., proprietary and confidential information, all rights reserved
Turning Loan Applications into Journeys
ValueScape, Inc., proprietary and confidential information, all rights reserved
We are a high-tech data science company providing mobile applications, social media outreach and advanced analytics for loan application generation, property inspection and appraisal efficiency.
WHO WE ARE
On October 2015, ValueScape received the Wolfram’s Innovator Award and was recognized as an innovative data science company in mortgage and real estate.
WOLFRAM INNOVATOR AWARD
ValueScape, Inc., proprietary and confidential information, all rights reserved
“ValueScape has been selected to present its application SnapValue, due to its groundbreaking, disrupting, analytical and data driven approach”
DIGITAL MORTGAGE 2017
ValueScape, Inc., proprietary and confidential information, all rights reserved
“We’re delighted to announce that ValueScape has been elected to be a presenter at our upcoming Tri-State Convention on Mackinac Island!”
MBA-OBL-ILFI JOINT CONVENTION 2018“UN-CONVENTIONAL THINKING”
ValueScape, Inc., proprietary and confidential information, all rights reserved
Advanced Analysis for Appraisal Efficiency Scheduling & Property Profile verified by Borrowers
Enhanced AVM, Data and Analytics
ValueScape, Inc., proprietary and confidential information, all rights reserved
Drone technology for Property
Inspections
Analytical driven Inspection
Qualified leads for Loan Application Generation
DIGITAL, A DISRUPTIVE FORCE THAT IS
CHANGING RETAIL BANKING
41%of customers indicate they would not
hesitate to change financial services
providers if they found one that offered a
better online/digital offer/experience.EY: “Global Consumer Banking Survey”
53%of millennials are most likely to share content
on Facebook, than GenXers 45% and baby
boomers 43%. Business Insider - 2017
82%of consumers globally go online first if
they are looking to buy a new product
or service.EY: “Global Consumer Banking Survey”
40%or more of new inflow revenue will
be attributed to digital in the next five
years.McKinsey: “Strategic Choices for Banks in the Digital
Age” 2015
80%of all browser’ searches in RealtyTrac’s web site
came from millennials.RealtyTrac - 2017
86%of all closed loans in February 2017
came from millennials Ellie Mae’s Millennial Tracker - 2017
69%of all adult Americans use Facebook.
88% 19-29; 79% 30-49; 61% 50-64 Pew Research Center - 2017
“PAGES MAY SEE REACH AND TRAFFIC DECLINE”
Copyright © 2018 Social Media Examiner®.
All Rights Reserved
“MINDSET RESET”: WHO ARE THE RIGHT PEOPLE THAT SHOULD BE TARGETTED? – IS NOT ABOUT NUMBERS …
Copyright © 2018 Social Media Examiner®.
All Rights Reserved
BANKS STRUGGLE WITH CHANGING CLIENT
EXPECTATIONS
75%of customers consider their banking relationship to be
merely transactionalAccenture: “The Digital Disruption in Banking” 2014
nearly 50%of commercial banks don’t offer mobile
banking servicesABA “Mobile Banking and Mobile Payment Practices of US
Financial Institutions” 2015
51%of customers want their bank to proactively
recommend products and services for their
financial needsAccenture: “The Digital Disruption in Banking” 2014
*Transforming Customer Experience: From Moments to Journeys, 2013
Customer-centric journeys lead to strong
business outcomes including higher revenue,
happier customers, and lower costs.
+36%
Customer
satisfaction
+19%
Likely to
stay/renew
+28%
Willingness to
recommend
+33%
Less likely to
cancel/churn
BE HUMAN
STORYTELLING & GAMIFICATION
ESTABLISHING “KNOW, LIKE, AND TRUST”
RETARGETING PEOPLE
Target the right audience and build a community of
passionate fans by turning Banking transactions into
Journeys
ValueScape, Inc., proprietary and confidential information, all rights reserved
Storytelling & Gamification…. “The Disney Way”, Duncan Wardle
ValueScape, Inc., proprietary and confidential information, all rights reserved
Establishing “know, like, and trust”
Educating consumers about market trends, differences between subject property and sales comps, sales vs listing prices, what is driving value, etc.
Connected customers, with a personalized,
high touch experience
CONNECTED
Bankers
CONNECTED
Customer Care
CONNECTED
Branches
CONNECTED
Products
CONNECTED
Brand
ValueScape, Inc., proprietary and confidential information, all rights reserved
Market Segmentation
• Test Loan Programs
• Determine potential market
• Instant market outreach
• Measure customer satisfaction
• Generate meaningful qualified leads
Happier customers
• Instant gratification
• Real Time and Personalized
awareness about new loan
programs
• Immediate response
Strong business outcomes
• Higher revenue
• Lower costs
• Increased customer loyalty
• Improved SLA’s
ValueScape, Inc., proprietary and confidential information, all rights reserved
Targeting 69%
of all adult Americans
using Facebook.
88% 19-29;
79% 30-49;
61% 50-64
• Acquire
• Onboard
• Engage
Facebook: Target audiences
Drive App adoption
Customer engagement & social media outreach generating
qualified leads for loan application
ValueScape, Inc., proprietary and confidential information, all rights reserved
“Bullseye targeting”: Matchmaking eligibility criteria
Loan Profile
Property Profile
Borrower Profile
Social media Profile
• Journeys featuring client’s logo
• Available for web browsers
• Market loan programs to SnapValue users
• Design, publishing and tracking of loan programs based on
eligibility criteria including: Borrowers profile, Property Profile,
Value Analysis report, Social media Profile
• Notifications to borrowers including: loan pre-approval, complete
specific or incomplete 1003 data, mortgage statement, etc.
• Send messages on specific life events such as birthdays, etc.
• Marketing of loan programs based on consumer’s life events or
preferences such as: motorcycles, cars, travel, etc.
• Management and allocation of marketing budget
ValueScape, Inc., proprietary and confidential information, all rights reserved
• SnapValue featuring Bank’s logo
• Available in Apple store and Google play for Android
phones and iPhones
• Property profile, Borrower Profile, Value Analysis report
and Social media profile is matched against an “eligibility
criteria” managed by lenders in Journeys
• Free Value Analysis Report for consumers and lenders:
MOSAIC AVM™
• Customizable, examples: custom workflows, buttons and
the type of data required to borrowers (i.e. photos)
ValueScape, Inc., proprietary and confidential information, all rights reserved
Customer engagement & Social Media outreach: Qualified leads for Loan Application Generation
• Property profile verified by homeowner: public record
data, property photos, description of improvements.
• Features “Geofencing”, Location of property photos
are geocoded matched against property’s geocode.
• Property photos are verified by machine learning (i.e.
front view actually being a front view of the property)
• Includes scheduling for property inspection
• Customizable, examples: custom workflows, buttons
and the type of data required to borrowers (i.e.
photos)
ValueScape, Inc., proprietary and confidential information, all rights reserved
Beyond Marketing….. Backend efficiency: Appraisals, Inspections
Users complete a Property Profile.
Photos are verified by Geofencing and Machine Learning.
Scheduling of Inspection.
Inspection data is presented to appraisers using ValuationNavigator®: review inspection data, complete a market analysis, regression analysis and the selection of comparable (listings and sales).
Appraisers complete an Appraisal report via a web form on ValuationNavigator® or their computer’s browser.
Includes ValueScape addendum
ValueScape, Inc., proprietary and confidential information, all rights reserved
Property Profile data is presented to inspectors using InspectorNavigator™ to complete an inspection report
HOME OWNERS INSPECTORS APPRAISERS REVIEWERS & MANAGERS
Data is presented in Journeys.
• Appraisal report and its data is pushed to 3rd party appraisal management systems via API
• Business Intelligence & reports
• Automate workflows
• Further data analysis
• Customer satisfaction surveys
• ValueScape’s billing
• Optional: MosaicAVM
The “Tri-furcation” of the appraisal process
Backend efficiency and customer satisfaction
Mark Linne, CEO
mlinne@valuescape.com
William Leveson-Gower, COO
wleveson@valuescape.com
Build a Banking community of passionate fans…
Start your Journey with today !
YOU ARE AN UN-CONVENTIONAL THINKER !!!
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