Global provider of digital financial management solutions

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POWERING FINTECH INNOVATION

© Strands Inc. 2015

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

2 THE FINTECH RACE

THE FINTECH RACE HAS STARTED

“They all want to eat our lunch.” – Jamie Dimon, JP Morgan Chase CEO

“We are on the leading edge of a technology revolution in financial services.” – Anthony Jenkins, Barclays CEO

“Banks are losing their monopoly in banking.” “In the future, BBVA will be a software company!” – Francisco González, BBVA CEO

CUSTOMER BEHAVIOUR IS CHANGING Millenials are the frontrunners

1. ABOUT STRANDS

are open to switchingbanks in the next

90 days

in 5 years, the way we pay for things will be totally

different

would rather go to the dentist than listen to what

banks are saying

would be more excited about a new offering in financial services from

Google, Amazon, Apple, Paypal, or Square

33% 70% 71% 73%%

Source: Viacom Media Networks (2013)

1. ABOUT STRANDS

THE OPPORTUNITY FOR BANKS Unleash the power of Big Data and Digital Relationships

“(…) the good news is that we still have one significant advantage, which is the vast array of financial and non-financial DATA that we accumulate.” – Francisco González, BBVA CEO

2. THE FINTECH RACE

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

2. THE FINTECH RACE

STRANDS FINANCE SUITE

BUSINESS FINANCIAL MANAGEMENT

BFMCARD-LINKED OFFERS

CLO

PERSONAL FINANCIAL MANAGEMENT

PFMPRODUCT RECOMMENDER

REC

LOOP

RETAIN & GROW

EN

GA

GE

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