Unisys Tech Forum 2016

1. Unisys Tech Forum 2016 October 09/13 Eric Crabtree Global Head of Financial Services

2. Agenda Introducing Unisys in Financial Services The digital banking landscape Understanding today’s customer Fulfilling customer’s expectations, digitally When to engage Unisys

3. Financial Services – Industry Overview Marketplace: • Global IT spend by banks is approx. $200 Billion annually • Banking IT spending is projected to grow at 4.9% reaching ~ $220 Billion by 2018 (1) • North America is the largest (46%) and the fastest growing (5.6%) Financial Services IT market (1) • Global FinTech funding touched $20bn in 2015 - 57% of FIs are unsure how to respond to FinTechs (2) • Mobile interactions with banks have increased by 940% in last 5 years - No. of smartphone users surpass 2bn in 2016; likely to touch 6bn users by 2020 (3) Tightened regulations and compliance mandates Unfavorable macro economy, continued low interest rates Ever evolving, highly sophisticated cyber threats to banks Customer-centric banking and telepathic expectations Onslaught of FinTech on incumbents (1) EverestStudy (2) McKinsey (3) Bain Research

4. Did you know Unisys in Financial Services Over $1 trillion transferredevery day by a clearinghouse powered by Unisys 70% of financed properties in Brazilare administered by Unisys systems

5. Unisys in Financial ServicesBuilding from a Position of Strength • Active client base exceeds 1260 financial institutions • Predominant footprint in Retail and Commercial banking segments, followed by Insurance services and Investment Banking • Q1 2016 global revenue: $146m and April registered $43.6m • New logo pipeline is $111m across all regions Retail Banking Commercial Banking • Financial Services Investment Banking Insurance Services

6. We are embarking on a new age In which the most successful enterprises will reinvent themselves to serve increasingly powerful customers. Ageofinformation Ageofthecustomer Ageofdistribution Ageofmanufacturing ConnectedPCs and supplychainsmean companies thatcontrol data flow dominate. Google, Comcast, CapitalOne Empoweredbuyers demandanewlevelof customerobsession. Salesforce, USAA, Amazon Globalconnections andtransportation systemsmake distributionkey.Walmart, Toyota, UPS Mass manufacturing makesindustrial powerhouses successful. Boeing, GE, RCA Source: Forrester, 2015

7. Changing consumerexpectation You know whoIam You understand my financial needs You are communicatingwitheachother You rememberwhatItoldyoubefore You rememberwhatYOUtold mebefore You care about me Source: IDC 2014

8. The consumer of today

9. Omnichannel addresses these expectations Omnichannelis not just technology, is a holistic approach to the client by aligning processes and people to ensure a consistent customer experience across all channels.

10. A digital strategy must create value • Digital technologies increase a bank’s connectivity—not just with customers but also with employees and suppliers. • Digital draws on big data and advanced analytics to extend and refine decision making. • Enabling straight-through processing—that is, automating and digitizing a number of repetitive, low-value, and low-risk processes. • Digitalization is a means of fostering innovation across products and business models.

11. Digital Transformation: things to consider Be prepared and adjust teams to think how to do better, secure and faster all the time. Be aware of disruptors: Fintechs, Startups & Digital Banks Mobile Solutions are a must but are just a step of a journey to understand customers needs and expectations. If a Bank wants to be competitive, think outside-in.

12. Omnichannel ecosystem Other Apps Other Channels Contact Centre Sales & Service Mobile Worker Back Office Self Service Kiosks Mobile Banking Internet Banking Teller Channel Applications Unisys Retail Delivery Omni-channel Service Oriented Eco-System makes any service available consistently through any channel and maintains a 360 degree customer view Legacy and non-legacy back end systems Core Banking CRM AML, KYC & Compliance Wealth Management Market data feeds Data Warehouse & Analytics Loans, Cards, Payments Etc.

13. Accelerating Data Driven Culture with Advanced Data Analytics Stealth Predictive Analytics for Different Industries Stealth Intelligent Applications for Digital Transformation Analytics for IoT Devices StealthAnalytics

14. Where to Start: Solutions That Work for You Consumer-Style Devices in the Organization Just Beginning Digitisationin the Organisation Assessment & Consulting Services Mobile Infrastructure Digital Environment Management Where to start. Where to go. Foundational Innovation & Strategy Assessment Advisory Digital Lifecycle Management Digital Device Management Mobile End User Support Digital Application Development Application Projects Productivity Digital Security Service Plans Device Swaps TEM Policy & Config. Compliance Reporting Tech Cafe Field Services Service Desk Infrastructure & Protection Transformational Mobile Assessments & Consulting Digital Content Management Mobile Applications End User Experience Management & Enablement App Management App Store End User Performance “Perf Mon” Reporting Mobile Doc Management Enterprise Drop Box App Development Cloud / On-Premise Security & MFA Integration Assessment & Consulting Services IaaS App Wrapping & Data Loss Prevention Multi-factor Authentication Office Migration SaaS Value Chain Use Cases Redefined Processes

15. When and how toengageUnisys Mobile banking strategy and advisory consultation Optimize omnichannel portfolio How best to respond to FinTech momentum? Considering introduction of mobile banking Secure mobile payments and transactions Getting “Mobile First” right Cloud and infrastructure transformation for mobile banking Digital banking expertise Revolutionise customer experience

16. Thank you eric.crabtree@gb.unisys.com @ericecrabtree