© 2014 YODLEE. CONFIDENTIAL

What Would You Do…

A Big Data ThinkTank

Eric ConnorsSVP, Products

© 2014 YODLEE. CONFIDENTIAL 2

The New Normal in Financial Services

© 2014 YODLEE. CONFIDENTIAL 3

The New Normal in Financial Services

Government Regulation

© 2014 YODLEE. CONFIDENTIAL 4

What IS Big Data?

© 2014 YODLEE. CONFIDENTIAL 55

BankTransactions

What Data Do YOU (Banks) Have?

BankBalance

BankAccount

Bills

Card Transactions

Card Statement

Card Account

InsuranceTransactions

InsuranceCoverage

Limit

InsuranceAccountInvestment

Transactions

Investment Holdings

Investment Account

Loan Statement

Loan Transactions

Loan Account

Real EstateRewards Activity

Rewards Balance

Rewards Program

Bank Account Types

• Checking

• Savings

• Money Market

• CD

Data Elements• A/C Holder name

• Secondary name

• Account number*

• Routing number*

• Current balance

• Available balance

• Account

classification

(personal, SMB

etc.)

• Account status

• Historical balance

Transaction Information

• Transaction ID

• Date

• Post date

• Description

• Dollar amount

• Status

• Currency

• Debit/credit

indicator

• Category

• NSFs

• Payments

© 2014 YODLEE. CONFIDENTIAL 66

Imagine the Mashup Potential of New Data Connections

FIN DAT OTHER DATA

Financial accounts

Transactions

APRs

Merchants

Categories

Geo targeting

Social media

Google data

Photos, video, recordings

© 2014 YODLEE. CONFIDENTIAL 7

To Answer Questions Like…What Don’t You Know About Your Customers? (Aggregation Example)

High RevolverAvg. Balance of

$3,457

Frequent Traveler

$100k+ Income

Home Owner$424,889 Loan Balance on Home Mortgage A/C

held jointly with wife

Son in Private School$25,650 in school

expenses

Remodeling Home

Daughter Ready for University

Saving Plan with a $51,450 Balance

Affluent Customer with Investments

worth $1,348,560

Favorite Merchants

Avg. spend by categoryTotal Loan Balances &

External Debt

© 2014 YODLEE. CONFIDENTIAL 88

Plus External Data to Build Better Customer Experiences and Offers

Today

CHECK CRD PURCHASE 05/30 SAUCE SAN FRANCISCO CA XXXXXX6809 304150833216042 ?MCC=5947

Sauce RestaurantSan Francisco, CA

Sauce, San Francisco, CA

WITH Merchant/Geo Categorization

tap

Arco, Mill Valley, CA

Get 3% back on your gas purchases! Find out how.

coupon > tap coupon v

© 2014 YODLEE. CONFIDENTIAL 99

Active SMB CheckingDaily Deposits and Frequent

Payments

Low BalanceTransfers Funds

Regularly

Merchant ServicesDaily batch settlements with

Square

Building Owner

$224,889 Loan Balance on Real Estate Loan

Charlotte Resident $150K+ Income

Successful BusinessDraws the most spend in the

Neighborhood

Shared Customers

Customers also shop at…

Declining Share

To the following 5 other shops

Gaining Interesting Small Business Insight

© 2014 YODLEE. CONFIDENTIAL 1010

Example: Happening Today

Market opportunity of $250M in management fees.

Identified $2.5B in held-

away investment assets for

10% of population.

Converted 5% assets,

generating $1.25M in

management fees

© 2014 YODLEE. CONFIDENTIAL 1111

Duration: 5 weeks (2013)

65,658Total Impressions

1.2%Click Through Rates (CTR)

44%Product

Acceptance Rate

14Total Campaigns

(7 in December, 7 in January)

* Results based on limited targeting analytics.

Result: 12X CTRs vs. banner ads 3X CTRs vs. Google search ads

Example: Happening Today

>160%Lift in Click Thru Rate

>125%Lift in Take Rate

>28%Lift in Avg Balance Transfer

© 2014 YODLEE. CONFIDENTIAL 1212

Data MashUps…Endless Opportunities

Fin. data

Click stream

data

Call center data

ATM interact

-ion data

CUSTOMIZED OFFERS AND PRODUCTS

Cons-umer spend

Geo locale

Weath-er data

Fuel data

SPECIALIZED TIMING AND

TYPE OF MKTG

CAMPAIGNS

TV viewing

data

POS txns

Auto owner-

ship data

Fuel data

TARGETED ADS BASED ON

NETWORKS AND AUDIENCE

© 2014 YODLEE. CONFIDENTIAL 1313

Let’s Brainstorm!

JANET JACKSONCMO

“What have you done for me lately?”

JAMES T. KIRKCRO

“Protecting the enterprise”

JERRY MAGUIREHead of Wealth Management

“Show me the money!”

© 2014 YODLEE. CONFIDENTIAL

© 2014 YODLEE. CONFIDENTIAL 1515

Data Types & Sources

FINANCIAL DATAAccount balances

TransactionsSpendingMerchantsBehaviors

CreditDebt

…

OTHER “ABOUT ME” DATAGoogle

Cell phoneTV viewing

Weather, GeoCall Center

MORE DATAPOS transactionsFederal DBs (e.g.,

consumer complaints)ATM interactions

…

SOCIAL DATAFacebook

TwitterYouTubePinterest

Yelp…

ACCOUNT TYPESInvestmentsCredit cards

LoansBills

Savings…

© 2014 YODLEE. CONFIDENTIAL 16

Janet Jackson: CMO“What Have You Done for Me Lately?”

© 2014 YODLEE. CONFIDENTIAL 17

James T. Kirk: COO“Running the Enterprise”

© 2014 YODLEE. CONFIDENTIAL 18

Jerry Maguire: CFO“Show Me the Money!”