Accelerate Digitization in banking by providing omni-channel customer experience using Predictive Analytics, Marketing Automation, Api Management with ShepHertz.

1. Omni-Channel Digitization
&
Marketing Automation Platform

2. Current
Banking
Trends
Banking
Use Cases
ShepHertz
App42
Platform
Overview
ShepHertz
App42
Platform
Deep Dive
Agenda

3. Current Trends in Banking

4. The New Buyer Journey in Banking

5. Customer Delight in Banking

6. Digital Banking Breakdown

7. Net Promoter Score in Banking

8. Percentage of Purchases using Channels

9. Percentage of Mobile Purchases

10. Omni-Channel Banking

11. The Future of Banking

12. Use Cases in Banking

13. General
• Omni-channel engagement across – Mobile, Web, Social etc.
• Deep Analytics and making the Big Data actionable
• Tracking user behavior across channels and taking action either on
demand or campaign based
• Identify which channel is more effective Web, Mobile
• Integrating offline, legacy, transaction data with data generated through
new age devices to launch new use cases and campaigns
• Launch new use cases and campaigns in days & weeks
• Ability for Business/Marketing team to launch campaigns without
having any dependency on Development team
• Monitor effectiveness of campaigns

14. User Acquisition
• Promote App in other Apps for user
Acquisition through ShepHertz
AppHype cross promotion product
• Invite friends from
Facebook/Twitter/LinkedIn/Google+
• Share Happy moments on Social
Platforms
• Referral campaigns on WhatsApp,
FB, Twitter etc.
• Facebook remarketing for customers
having similar attributes as your
highest converting audience

15. Engagement
• Assisting Onboarding through InApp messages and
push notifications
• Send notification when UPI Enabled banks get added
• Notify users when Pending transactions are fulfilled
• Geo-fence Banks and ATMs – users entering,
dwelling or exiting and send targeted offers
• Funnel Management – Target segments based on the
phase in the funnel e.g. Have added Bank accounts
but have not done any transactions. Transactions
done above 1 Lac tag them as HNI - can cross sell
• Users who have left the registration in between –
remind them to complete their requirement
information
• Target through - Push Notification, Web Push (Browser Notifications),
Social Post, Email, Survey, SMS, Lead Generation form
• Geo-Target affluent areas or areas where middle class generally live
• Live Chat – Assign a rep or allow your users to have in-app chat discussion with your representation
• Get Net Promoter Score

16. Gamification
• Give points based on timely EMI
payments
• Add small quizzes and give points
which increases the awareness and
financial knowledge
• Points based on shares done by the
user
• Rewards & Achievement Badges
based on points earned
• Rewards can be exclusive consultation
with a financial advisor

17. Conversion
• Recommendations based on User Similarity and
Item Similarity. People who have taken this have
also taken that.
• Tracking the user behavior based on events and
recommending
• Users who have not done any transaction for past
1 month send re-engage notifications
• Target based on Demographic parameters
• If the customer clicks on a particular banner,
tutorial, button– Automated email to be sent to
the sales rep so that he can engage with the user
right away

18. Prediction Analysis
• With prediction intelligence, optimize omni-
channel banking with effective campaigns to
influence the next moves of the customers
• Forecast the propensity to do a particular action
such as third party transfer, divide them into
buckets of low, medium and high likelihood and
launch campaigns accordingly
• Detect fraudulent behavior and anomalies and
take preventive actions before it’s too late
• Propensity to churn
• Propensity to by another product – Enabling
cross selling

19. Partner Integration
• Opening up resources to online banking
marketplaces that compare loan &
insurance rates, credit card offers and etc.
• Establish a digital wallet through a secure
and encrypted environment for
maintaining and transmitting sensitive
information
• Get real-time views of transactions and
accelerate the timing of targeted offers to
buyers via bank and merchant loyalty
programs

20. Sales Force Automation
• Manage & monitor Sales field force location
• Recommend them to meet other customers in the area where
they are visiting
• Route Planning
• Work offline in areas where there is connectivity issues
• Monitor Sales Rep Productivity
• Availability of accurate and timely actionable sales data
• Competitor intelligence
• Awareness about discounts & offers
• Upload photographs/documents
• Reseller Widget/Module
• Expense management
• Fake visits reduction
• Gamify based on no. of clients met in a day and get
achievements which later can be redeemed through Rewards
• Activity reports
• Quota reports & notification

21. API Banking
• Real-time vendor transactions
• Loan Disbursements
• Real-time Information of Forex Remittance by
NRIs
• Integration with the company’s ERP systems for
instant validation of electronic receipts
• Instant Refund payments to ecommerce
customers –using IMPS API’s ensuring 24/7
servicing
• Instant reconciliation of cash transactions
• Utility Bill Payments
• Invoicing and Bill Management facility for
universities and hospitals

22. ShepHertz App42 Platform
Overview

23. Why ShepHertz
- One Stop solution
- Omni-channel Platform – Supports 18 Native Platforms
- Big Data - Leverage Real time data generated by New age devices as well
offline
- Time To Market - Launch use cases in hours than in weeks
- End-to-End Solution - Single provider which offers you all the services with
committed SLAs and transparent/predictable pricing
- API driven so existing investments does not get wasted.
- Dependency of CMOs, Marketing & Product Heads on Tech is removed
- Expose protected resources as APIs – To Partner Apps and systems
- Deployment Model – Public, Dedicated, Hybrid & OnPremise

24. 47+ Billion
API Calls
150
Countries
44,000+
Customers

25. Continual Transformation Environment to build
Omni-Channel Apps
Backend API
Services
Gamification
Automation &
Actionable
BigData
Integrate with
other Apps by
Exposing APIs
Launch Use Cases & Campaigns on Omni-Channels – Mobile, Web, Social, IoT, Wearables, TV, Kiosks/ATMs
App Behavior Legacy AppsReal Time Offline
Big Data
Transactional External AppsUnstructured

26. Need to interface with multiple Cloud Service providers
Leverages & Compliments their legacy applications
Leveraging BigData - User Acquisition, Retention, Engagement &
Conversion
In context seamless transition of consumers across Omni- channels
Ever increasing customer expectation : Expects new services in weeks
Challenges & Constraints

27. App42 Cloud API - Services

28. Actionable BigData- Everything you need to grow your App

29. App42 API Gateway – Comprehensive API Management

30. Verticals

31. Server Locations

32. ShepHertz App42 Platform
Deep Dive

33. IoT Apps
Enterprise Apps
(External + Internal)
Omni-Channel
Wearables
800+ APIs
30+ Cloud Services
Actionable
BigData
Realtime
Messaging System
API
Management
App42 Cloud Ecosystem
IaaS Providers – IBM, vCloud Air, AWS, Azure Hybrid
Enterprise
OnPremise

34. Acquisition
Gamification
Virality Campaigns –
In-App Referrals
Social Posting
Engagement
Rewards
Achievements,
Gifting, Social
Leaderboards
Push campaigns
with A/B Testing,
Geo Targeting, Geo-
Fencing
In-App
Recommendation &
Messaging
Retention
App Remarketing on
Facebook
Email Campaigns
Push notifications to
users about to
churn(predictions)
Conversion
Funnel management
& segmentation
Trigger based action
e.g drop off points
Push Notifications
to users about to
convert(Predictions)
Diagnostic
Info
Analyse Act Monitor
Real-time Actionable Analytics

35. Define
• Events
• Properties
• Segments
• Campaigns
• Model
• Offline
Analyze
• App Data
• Behavior
• Flow
• Funnel
• Cohorts
• Effectiveness
Target
• Mobile & Web Push
• InApp
• Social
• Email
• Survey
• Web Push
Predict
• Classification
• Linear
• Anomaly
• Clustering
(Recommendation)
App42 Actionable Analytics

36. •Send Push Notifications, Facebook Wall Posts, In-App Messages, Emails and Chat Pop-
ups to Segmented Users
•Facebook Remarketing
•Strategize Push and In-App Campaigns
Segmenting and
Targeting
•Track App Retention Metrics with User Cohorts
•Run User-Retention Campaigns and check success/failureCohort Analysis
•Real-time Session Tracking and Targeted Action
•Identify Drop-off Points
•User Session Time on various Page Views
Session Tracking
•Forecast your users’ next moves and find out the propensity of churn and conversions
•Influence their next moves with personalized Push and Email campaigns
Prediction
Analysis
e.g. - “Trigger In-App
Message if a User stays
on a page for more
than 30 seconds”
App Engagement and Retention

37. Advanced Segmentation
based on Multiple Events
and User Properties
e.g. - “Users of Age
25 from New Jersey
who started the App
today but did not
make a purchase”
Behavioural Segmentation

38. Event Based Achievements
Events
Reads multiple
books
Bookworm
Owns many
books
Bibliophile
Lends multiple
books
Librarian
• Create achievements based on certain events to increase user recognition and easy engagement
• Assign badges as soon as users do those events
• Get to be creative in the badge design and names

39. ENTRY
POINT
EXIT
POINT
DROP-OFF
POINTS
Engaging the user during these in-
session drop off points based on
real-time analytics (Enhancing in-
app Personalization)
Engaging the user at the
entry point (can be
based on past session)
Engaging the user at
the exit point based
on his current session
activity
Send
information
on DEALS
Send
information
on OFFERS
Send RECOMMENDATIONS
APP SESSION
Session Event Tracking

40. Type of Campaign
Target Audience
Date Range to run Campaign
Campaign Trigger (Event)
Message/Push Layout
Frequency of Occurrence
CTAs
Action Paths
 Another Event
 A/B Test
 Custom Code
 URL
To run chain
campaigns
 Run Ad Campaigns
 Set Real time In-App triggers to
boost Conversion
 Run Retention Campaigns
 Schedule highly targeted Push
Notifications
 Run Chain Campaigns to
progressively bring Users down
the Sales Funnel
Campaigns

41. Dashboard
• Comprehensive Dashboard
• Customizable
• Daily Metrics Mails
• Deep dive based on interest

42. Omni-Channel Dashboard
• Real-time App
Installs
• Current Active
Users
• Average Session
Time
• Total current
events

43. Web Push Notifications
 Ability to Add Channels: The greatest thing about triggering the opt-in box to the user to click on allow or
block is that you can enable them to choose the channels they would like to subscribe to instead of opting
for all the notifications.
 User Segmentation: In addition to enabling the users to choose channels, you can also segment them
according to their demographics, behavior, activities, device type, etc. This further enhances your targeting
and increases the conversion of your push messages up to 75%.
 Push Automation: It is difficult to send out web push manually every time your user does any desired event.
With the ability of marketing automation tools, you can create events that you consider are important and
you may go ahead and create campaigns based on those events.

44. Unified Notifications
• Target customers based on User Behavior, Events & Properties,
Offline Data
• Rich Notifications
• Classification of users – Predictive
• Schedule
• Campaign Based
• Personalized
• A/B Test
• Geo Target/ Geo Fencing
• Configure Badge & Sound

45. Push Campaign for Geo Targeting
 Interactive map for selecting the
users in a particular location
 Select Country, State, City to send
targeted push
 Getting Geo location of various
users and then segmenting them
to send targeted Push messages
 Campaigns can be built for
automated targeting to the users
on the specific geo locations
Push Geo-Targeting Campaign Management

46. Push Geo-Fencing Campaign Management
Push Campaign for Geo Fencing
 Interactive map to select the
multiple Geo Fences
 A fence can be as small as 50
meters
 Users can be targeted based on
following cases
• Entering the fenced area
• Exiting the fenced area
• Dwelling inside the
fenced area

47. Define – Multi-level Segmentation

48. Insights – Active Users (DAU, WAU, MAU)
Set Goals – Get trigger mail

49. Insights - Funnel Analysis
 Create user flows - track drop off
points & Target
 Get accurate analysis of the screens
where users mostly lose interest
 Create specific campaigns to target
them to move them further into
the funnel for increased
conversions

50. Insights - Cohort Analytics & Retention
Marketing
 Track returning users with smart cohort analytics
 Analyze the days having majority of non-returning users
 Monitor the activities accordingly
 Plan personalized campaigns to bring them before they churn

51. Insights – Avg. Session

52. Insights – Installs & Un-Installs

53. Campaign – Push, InApp, Survey, Social Post, Email,
Virality, Lead Generation

54. Campaign - Push
 Event based rich push notifications
(include HTML, images, sound and
badges, videos)
 Geo-target people with location based
push notifications
 Create unlimited geo-fences across
the world and run campaigns on
people entering, exiting or dwelling
for sometime in the fence
 Run experiments on your push
notifications with A/B/n testing to try
out different copies, CTAs and
graphics to see which one works best

55. In-app referrals
 Implement growth hack in-app referral campaigns without any coding effort
 Choose among multiple sharing platforms
 Target users based on different segments to boost user acquisition

56. On Demand Targeting

57. Effectiveness – Compare Campaigns

58. Predict Analyze Target
• Define your
Churn/Convert
condition
• Get the user’s
likelihood of Churn
or Convert
• Know the reason of
Churn or Conversion
by looking at similar
customer’s related
activities
• Know the type of
customers who are
churning or converting
by looking at similar
customer’s attributes
• Target the segments
by taking appropriate
actions
• Send Push
notifications, In-App
Campaign or take
other actions to
reduce churn or
increase conversion
Features
• Increase Conversion, reduce
Churn
• Define your Churn/Convert
condition
• Bucket your customers into High,
Medium or Low likelihood of
Churn/Conversion
• Know your bucketed customer’s
related activities
• Know your bucketed customer’s
related user attributes
• Take preventive action on
bucketed segments to reduce
churn or increase conversion
• Identify Problem Areas
• Retain customer loyalty
Supports Classification, Regression, Anomaly Detection, Clustering
Predictive Analytics

59. Prediction Analysis

60. User interacts with
your app/web
Added to custom
list based on in-
app actions
User leaves Sees Remarketing ad on
Facebook offering benefits and
suggestions
Banner prompts
that user to return
to your app/web
Completes the
activities or takes
further actions
Remarketing - Facebook

61. Remarketing

62. Thank You