© 2015 YODLEE. CONFIDENTIAL

Harnessing Data Technology and Analytics for the Underserved Market:

Yodlee’s Sense Financial Wellness App

Presented by: Janice Rudenauer, Yodlee Financial Data & Analytics Practice Leader

Morgan Stanley & The Center for Financial Services Innovation’s Big Data, Big Potential Roundtable, 2015

2© 2015 YODLEE. CONFIDENTIAL 2© 2014 YODLEE. CONFIDENTIAL

16 million+Paid

Users*

12,500+Data

Sources*

750+Organizations

Use Yodlee*

64US Patents

Issued*

The Yodlee Financial Cloud powers digital financial

solutions for financial institutions and

Internet services companies.

FINANCIAL CLOUD

Account Data

and TransactionsChecking, Bills, Loans, Credit

Cards, Savings, Investments,

Insurance, Payments…and more

Industry SolutionsRetail Banking, Small Business,

Wealth Management

*As of June 30, 2014

Product SolutionsPFM, Risk Management, APIs,

Data, Mobile, Money Movement

API SolutionsOnline Financial Services,

E-commerce, Media, Retail

Data AnalyticsCross-Sell, Risk, Research

3© 2015 YODLEE. CONFIDENTIAL

Anticipate customer needs

SENSE: Increase customer loyalty with insight that lets you anticipate

customer needs and present a relevant customer experience

Making it actionable HOW IT WORKS?

Detect and identify patterns by

analyzing transaction data

Measure future balance by

identifying recurring income and

expenses

Suggest call to action in case of

financial updates

Actionable digital experience to

empower your customer

Generating real-time insights as

transaction data becomes available

Transaction Enrichment for clean,

clear, categorized, geo-located

information

4© 2015 YODLEE. CONFIDENTIAL

Auto-discover financial updates

Drive your customer engagement by “Sensing” important transactions and

automating reminders so they never miss a payment

Add to calendar HOW IT WORKS?

Yodlee engine constantly analyzes

historical and new transaction data

Analyzing inflows and outflows, non-

discretionary spending, calculating

average cash at hand

Pattern identification discovers new

financial updates

Keep the customer engagement

levels higher based on the

discovery

5© 2015 YODLEE. CONFIDENTIAL

Yodlee Personalization Engine at a glance

Risk Attributes

Variable Spending

Fixed Income & Expenses

Predict

Suggest

Detect

Multiple data sources

Business

Input

Many ways to access

Access Method

6© 2015 YODLEE. CONFIDENTIAL

Develop deep understanding of your customers’ financial behavior

to drive digital engagement and build trust

Sense Engine is flexible and scalable

Available through Yodlee Platform APIs

Pre-packaged classification, analysis and scoring based on analysis

of transactional and accounts data

Manage and configure data analysis as per your requirements

Deploy custom algorithms and models

High performing data analysis

Flexible develop and publish process