PERSONAL FINANCIAL MANAGEMENT

© Strands Inc.

Product Overview

PFM

AGENDA1

ABOUT STRANDS

2 PFM BENEFITS & ROI

3 PFM FUNCTIONALITY

4 CASE STUDIES

1 ABOUT STRANDS

1. ABOUT STRANDS

COMPANY FACTS

MISSION Develop innovative

software to help banks &

retailers monetize data

HISTORY Founded in 2004 as a

pioneer of personalization &

recommendation solutions by

experts in machine learning

& Big Data

2 BUSINESS UNITS FINANCE

Powering FinTech innovation by delivering

customized digital banking experiences RETAIL

Personalization & recommendation

solutions boosting e-commerce

business

CUSTOMERS >300 corporate customers

worldwide

INTERNATIONAL Multicultural team of

70+ employees from more than15 countries speaking over

10 languages

LOCATIONS Barcelona (HQ), San

Francisco, Miami, Madrid &

Buenos Aires

We create more engaging & personalized digital experiences, enabling banks to leverage the rich sources of data they generate.

Our bespoke solutions help banks to open up new revenue streams, retain their customers, & grow their business.

EngageTarget

Retain & Grow

THE STRANDS MISION Powering FinTech Innovation

1. ABOUT STRANDS

RETAIN & GROW

STRANDS FINANCE SUITE

BUSINESS FINANCIAL MANAGEMENT

BFMCARD-LINKED OFFERS

CLO

PERSONAL FINANCIAL MANAGEMENT

PFMPRODUCT RECOMMENDER

REC

LOOP

EN

GA

GE

1. ABOUT STRANDS

2 PFM BENEFITS & ROI

Clothes €300/m

Dream House €200,000

€500/m

Food €250/m

Fuel €190/m

Vacation €3,600 €300/m

2. PFM BENEFITS & ROI

Customer Needs:

How can I control my expenses?

How much money can I put aside at the end of this month?

What if I want to purchase a new house, a TV or a computer?

Am I spending more than others like me?

EMPOWER Bank customers want help managing their finances

Strands PFM:

Award-winning money management solution

Helps users understand & manage their money more intelligently

Makes digital banking more relevant, fun & convenient

Creates a much closer relationship between account holders & their bank

2. PFM BENEFITS & ROI

WHITE-LABEL SOLUTION Design your own PFM that integrates easily with digital banking

3 PFM FUNCTIONALITY

3. PFM FUNCTIONALITY

Analysis Planning Decisions

Income & Spending Cash Flow

Peer Comparison Transaction Details

OK-to-Spend What-if?

Financial Health Notifications

Budgeting Saving Goals

Net-Worth Financial Calendar

Spending Plan

FRONT-END LAYER WIDGETS

4 CASE STUDIES

4. CASE STUDIES

DEUTSCHE BANK

Country: Germany

PFM solution name: FinanzPlaner

Number of users: 4 million

Deployment: Web, Tablet, Mobile, Apple Watch

Launch year: 2014

4. CASE STUDIES

POST FINANCE

Country: Switzerland

PFM solution name: E-Cockp

Number of users: 1.7 million

Deployment: Web & Tablet

Launch year: 2012

4. CASE STUDIES

BARCLAYS

Country: UK

PFM solution name: MoneyTools

Number of users: 9 million

Deployment: Web, fully integrated

Launch year: 2012

4. CASE STUDIES

ALLIED IRISH BANKS (AIB)

Country: Ireland

PFM solution name: My Money Manage

Number of users: 700,000

Deployment: Tablet

Launch year: 2012

CLIENT REFERENCES

“The FinanzPlaner (powered by Strands) is a strategic investment for us. The huge amount of positive customer feedback proves that it was the right decision”

Michael Koch, Head of Online and Mobile Bankingat Deutsche Bank

“My Money Manager (powered by Strands) provides our customers with deep financial insights, an excellent user experience and an ability to manage their money on the move through our online channels”

John Brennan, Head of Online ChannelDevelopment at AIB

“Strands has been a great partner in this journey. Barclays was able to integrate Strands widget logic and functionalities creating a seamless user experience”

Simon Shorey, Head of Social Media Platformsand Servicing, Digital Banking at Barclays

“We are excited about the positive response from our customers who have been looking for a better way to get a clear picture of where their money is going. MoneyLogic provides them with immediate insights into their spending and savings habits”

Dan Dickinson, Head of Online & Mobile Banking at Bank of Montreal

THANK YOU

LEARN MOREABOUT STRANDS:

WEBfinance.strands.com

BLOGblog.strands.com

TWITTER@StrandsFinance