Presentation by Jouk Pleiter, CEO & Co-Founder of Backbase about the Future of Payments, how mobile and customer experience are changing the world.

1. Bank 2.0 Portal

2. Bank 2.0 : “Inside-Out” vs “Outside-In” Internal Systems & Products Inside—Out Approach HTML Push On-Size-Fits-All Silos Outside-In Approach Customer Experience Layer Customer Experience

3. Bank 2.0 : One Platform, Multiple Devices Desktop Tablets Smartphone BACKBASE Bank 2.0 Portal Social Networks Cloud Content, Data & Services Enterprise Content, Data and Applications unified desktop Front Office

4. Bank 2.0 : One Platform, Multiple Channels Integration Layer Customer Experience Platform Public Website Online Banking Mobile Banking Branch Front-end Call Center Front-end Other … Transaction Systems Advisory Tools Communication Tools Personalized Content 3 rd Party Tools Core Systems Payment Brokerage Credit Cards Etc. Web Services Pre-fill Straight Through Processing Etc.

5. Bank 2.0 : Customer Experience Layer Internal Systems & Products Inside—Out Approach HTML Push On-Size-Fits-All Silos Outside-In Approach Customer Experience Layer Customer Experience

6. Bank 2.0 : Customer Experience Layer Customer Engagement Portal Internet / Mobile Branch Call Center 1:1 customer treatment (targeting, segmentation) Business Rules collect customer preferences (implicit & explicit) Customer Profile Transactional Core Banking CRM, Brokerage, … Other Back-end Functions PFM, … 3 rd Party Functions Consistent across Channels Content Simulation, Calculators, … Advisory Tools Re-Usable Widgets

7. Bank 2.0 : Align Stakeholders Business IT Customer Outside-In | User Experience Personal & Relevant Any Place, Any Device (Mobile) Leverage existing Infra Easy Integration Secure & Performance Modern Web Technology Differentiate Grow the Business Less IT Dependency Faster Time to Market

8. Bank 2.0 : Align Stakeholders INTERNAL SYSTEMS AND PLATFORMS Customer Experience CHANGE REQUIREMENTS CHANGE CAPABILITY

9. Bank 2.0 : Align Stakeholders Existing Banking Systems Bank 2.0 Portal Software IT Portal Manager (e-Business Professionals) Bank 2.0 Portal (Your Customers)

10. We Deliver : Bank 2.0 Solutions for Financials Customer Engagement Portal Software

11. Track-Record : Bank 2.0 Solutions. Delivered. 2.0 2.0 2.0 2.0 2.0

12. WWW.BACKBASE.COM [email_address] NEW YORK : +1 866 800 8996 AMSTERDAM: +31 (0)20 465 8888 Q&A | Thank you for your Time