Accenture stresses that, “As banks adapt to changes in their competitive and technology environments, cloud computing will play a major role. Cloud’s combination of low cost and high scalability, effectively unlimited processing power and storage, unprecedented agility and speed to market, and variable pay-per-use cost structures all support the qualities that banks will need to compete and win in the future.”

1. Cloud computing
is changing the way
banks operate.
Is your bank on board?
1

2. Cloud computing.
 What is it?
 Never used it.
?
2

3. You may already be in the cloud.
v 65% Bank online
63% Shop online
58% Use social networking
29% Store photos online
22% Store music or videos
online
3

4. Instagram played it
smart to the tune of
$1 billion:
They used a 3rd party
cloud provider to handle
their needs more efficiently, securely
and at a fraction of the cost.
4

5. “We are on a shift that is as
momentous and as fundamental
as the shift to the electrical grid.”
– Andrew Jassey,
Amazon Web Services
5

6. Cloud computing is a powerful network.
6

7. Cloud computing is a versatile tool.
 Store, access and share data across
internet-connected devices
 Rent data storage and pay-as-you-g0
computer time
 Economies of scale keep costs down
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8. Cloud computing is like electricity.
 You pay only for what you use
 Next major computing trend for the
changing consumer – your customer
8

9. “A new era in banking – cloud
computing changes the game.”
Accenture stresses:
 Cloud computing will play major
role for all banks
 Supports what banks will need to
compete and win in the future
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10. Cloud computing will shake
up
the banking industry.
 Transform product offerings,
channels and customer service
 Reshape core banking
operations
 Stay relevant to customers
10

11. Banks can use cloud computing to:
 Support core banking applications
 Provide financial services offerings
to leverage social and mobile media
 Transform banking experience and
relationships for customers
11

12. Banks can use cloud computing to:
 Support core banking applications
 Provide financial services offerings
to leverage social and mobile media
 Transform banking experience and
relationships for customers
12

13. What CLOUDecision can do –
support core banking applications.
 Create financial and business spreading
 Origination and decisioning for auto,
small business and consumer finance
loans
 Origination and spreading for C&I and
A&D loans
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14. What CLOUDecision can do –
support banking applications.
 Perform portfolio analysis and loan
stress testing
 Comply with regulations and capital
stress testing requirements
 Create sources and uses of cash flow,
manage draws
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15. Leveraging social media
 Citigroup and Bank
of America reach out
in the cloud
 Community banks
can do the same
15

16. “Banks must prepare for the new
environment or risk being left behind.”
CLOUDecision is
technology enablement
for community banks.
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17. Cloud computing is a business model.
 Focus on points of differentiation
 Lower cost, more flexible, more service-oriented
 “A cloud-based model provides rapid
acquisition, low to no capital investment,
relatively low operating costs and variable
pricing tied directly to use.”
CLOUDecision pay-per-user model reduces
costs by over 80%. 17

18. Cloud computing for community banks.
 Pursue new and existing markets
 Rapid entry
 Infrastructure and service capacity can
grow with your business
 Cloud computing scales to meet your
bank’s needs
CLOUDecision software is adaptable and
scaleable as your business grows. 18

19. Move more banking activities
to the cloud.
 Virtual environment, greater
automation, flexibility,
adaptability
 BBVA reaches out in the cloud
19

20. What’s holding banks back?
primary concerns
 Perception vs. reality
• Cost is very low and scaleable
• Security and privacy superior to
banks’ internal systems
 A-list cloud providers meet strict
criteria
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21. What’s an A-list provider
of cloud-based services?
 We meet the strictest criteria for security and privacy
 Extensive security and privacy mechanisms in place
21

22. Software as a service, or SAAS
 Internet email, Google Docs, salesforce.com
and CLOUDecision
 Mckinsey & Company: “…the online
delivery of software or software as a
service is shaking the industry’s
foundations. Traditional vendors
should take heed.”
22

23. Extremely affordable on demand
software solutions.
 Financial analysis, statement
spreading, stress testing, portfolio
analysis, reporting and commercial
lending decisioning
 Helps banks to become regulatory
compliant
23

24. CLOUDecision’s 5 points of differentiation:
1) 100% cloud-based with easy 24/7
access from anywhere
2) Most advanced security, privacy
3) 8 mutually exclusive banking solutions
4) Huge cost savings
5) Very affordable pay-as-you-go user
pricing
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25. 25

26. CLOUDecision software solutions
PRO
 Financial analytics, financial spreading
$9.99 per month per user
PREMIUM (includes PRO)
 Business, individual and global financial
analysis
$14.99 per month per user
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27. COMPLETE
 Commercial loan decisioning
$19.99 per month per user
ADVANCED
 Portfolio management, stress testing,
slice and stress testing
$125.00 per month per user
27

28. COMMERCIAL RE
 CRE origination, rent roll, underwriting
and decisioning
$29.99 per month per user
SMALL BUSINESS DECISIONING
 Origination, underwriting, score card and
decisioning
$24.99 per month per user
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29. CONSUMER FINANCE
 Origination, underwriting score card and
decisioning
$24.99 per month per user
CONSTRUCTION MANAGEMENT
 Construction analysis, draws, absorptions
and monitoring
$34.99 per month per user
29

30. CLOUDecision
software includes:
 Training, ongoing customer
service support and online
tutorials
 Built-in regulatory
compliance controls
30

31. CLOUDecision.com
 Sign up and use right away
 FREE 7-day trial
 One-on-one demo to address
your specific needs
31

32. Cross River Bank
 Signed up for Advanced software to
comply with regulatory changes
 Using our back-end servicing to
integrate information into one central
location
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33. “Every bank is different, but
nearly all
face a monumental challenge
in aggregating and consolidating data,
assessing portfolio risk and making it
accessible to the board and to
the regulatory officials.”
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34. “Using CLOUDecision’s business
financials, commercial RE and portfolio
analysis and stress testing and
comprehensive back-end servicing, we are
able to compile, consolidate data from hard
copies, scanned documents, excel, word,
core systems and from shared drives.
We created a central database for
financial analysis, risk analysis and
portfolio analysis stress testing.”
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35. Q&A
 Chat line
 Phone
 Art Dague
adague@cloudecision.com
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