Digital Order-to-Cash: Innovations for the New Normal and Beyond Emagia is a leader in digital order-to-cash Power of digital trifecta “Automation, Analytics and AI” Intelligent. Hyper Efficiency. Self-Service. Touchless. Automation – Eliminating Manual Tasks for Hyper Efficiency Business License Bots Resale Certificate Bots Contractor License Bots Liens/Bonds Bots Bots for PODs Bots for Bank Statements Gathering Bots for EDI/MT940/BAI2 Feeds Workflow System Strategy and Rules Engines Analytics – Empower Data-driven Operations Global O2C Insights Hub Over 100+ Insights CFO Dashboard Controller Dashboard Credit Dashboard AR Dashboard Collections Dashboard Cash Application Dashboard Cash Forecasting Dashboard Predictive Payment Dates Predictive Dispute Reason Predictive Invoice Match Prescriptive Next Task Prescriptive Work Flow. https://www.emagia.com/resources/videos/digital-order-to-cash-innovation-for-the-new-normal-and-beyond/

1. Digital Order-to-Cash:
Innovations for the
New Normal and Beyond

2. Introduction to the Speakers
Veena Gundavelli
Founder & CEO, Emagia
Vipul Taneja
VP, Digital Finance, Cognizant

3. Emagia is a leader in
digital order-to-cash
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing

4. Accolades
FORBES
Global 2000
2020
533
FORBES
Top 100 Digital
Companies Oct. 2019
63
FORTUNE 500
2020
194
FORBES
America’s Best
Employers 2019
461
FORTUNE
World’s Most Admired
Companies Jan. 2020
Twelve years in a row
109
Cognizant is a leader in Digital Services
FORBES
Best Employers for Diversity
Jan. 2019
483
Our Vitals
FOUNDED
1994
(Nasdaq: CTSH)
GLOBAL
HEADQUARTERS
Teaneck, New Jersey
290+
Global Offices
~281,200
Employees
June 2020
REVENUE
$4.2B in Q4 2020
$16.7B in FY 2020
REVENUE MIX
NA: 75.8%
Europe: 17.9%
RoW: 6.3%
Since 2007
3.1 million volunteering
hours
180,000 volunteers
29 countries
690,000 lives impacted

5. Order to Cash Capabilities
February 12, 2021
© 2021 Cognizant

6. Evolving role of the finance function
• Rule-based nature enables
large scale automation
• Automation powered by AI
and analytics will become
mainstream
Intelligent Automation
• Step change versus
incremental improvements
• Adopt industry best practices
Reimagined processes
• Re-imagining Finance
organization and skills
• Data and analytics
as strategic tools
Digital ready organization
• Expanding CFO agenda
and expectations
• Business strategy
custodian and performance
management owner
Business partner
Future of Finance
Primary Focus: Business Strategy
and Enablement
Forward Looking Performance
Management
Touchless Transactions
Fully Automated Controls
Real-time Contextual Data

7. COVID-19 has increased the pace of transformation
of the finance function
Amid the COVID-19 crisis, the need to digitize finance processes has gone from nice-to-have to mandatory
Procure to Pay Order to Cash Record to Report
e-Invoicing
Vendor Portal
Automated Processing
Automated Collections
Credit Management
Cash Application
Month-end Visibility
Automated Reconciliations

8. Cognizant is a leader in digital finance
900+ Digital practitioners
(Data Scientists, RPA / AI Analysts)
25 Delivery centers
26 Languages
3,500+ Bots in production
200+ Bot use cases (Configurable)
14,200+ Finance & Accounting (F&A)
delivery specialists
120+ Global clients
> $1B in Business Impact over
the last 24 months
250+ Transformation projects
in the last 24 months
80% Clients with digital solutions
560M+ Annual transactions
processed
$100B+ Annual disbursements
$150M+ Daily financial adjustments
by bots
Business Outcomes Delivered
2–3 Day
DSO improvement
30 - 50%
Annual cost
reduction in
operations
$227M
Improved
AR collection
$48M
in Avoidance of
duplicate payments

9. Drive outcomes through a digital finance framework
Our methodology to solutions includes four actionable levers that can be used independently or as an entire program
Cognizant
Digital
F&A
Process
Analytics
Platforms
60% of finance processes are automatable
Pre-built BOTs
E2E Automation
Methodology
Systems that
Do, Think, &
Learn
Provides CFOs an actionable roadmap
for transformation
Transition Service Excellence
Transformation Outcomes
80% of finance processes can be platform enabled
Flexible proprietary and industry platform solutions
that are ERP agnostic, scalable and enable
standardization and harmonization
in changing environments
Enables CFO organizations to spend more time
on business partnering
CFO Dashboard
Data
Harmonization
& Optimization
Accelerated
Decision
Making
Controllership and Compliance
Automation

10. Hyperautomation across the ‘O2C’ value chain
• Dispute Analytics
(guided resolution)
• RCA Engine
on Disputes
(dispute avoidance)
Cognizant drives end to end automation across the O2C value chain across the different technologies / tools / product partnerships
Digital Orders
(automate
order entry)
Intelligent Order Processing
(reduce order fallouts)
ROBUST CREDIT MGMT
• Automated credit modelling
• Real time view of limits
• Recommendation engine
(recommendation for order
processing)
Contract Digitalization
(extract and populate data)
INTELLIGENT COLLECTIONS
• Integrated collections
workbench
• Collections optimizer
• Payment analytics
• Chatbot assistant
• Automated SoA Generation
• Automated Dunning Process
• AR Reconciliations
• Automated Cash Entry
Order Entry
Contract
Administration
& Customer
Master
Credit
Management
Order
Fulfilment
Invoicing
Cash
Application
Collections Dispute
SMART INVOICING
• Invoice validation
(invoice, order and contract)
• Automated PO and invoice entries
• Automate invoice dispatch
O
N
R
A
M
A
M
A
M
O
N R
R
R
I
A
M
A
M
C
Efficiency and accuracy
Credit and
payment risk
Orders processed
Customer
satisfaction
Billing days
Unbilled revenue
DSO, AR overdue
Cost per $ collected
Cash flow
OCR
O NLP
N
RPA
R iBPMS
I
Advanced Analytics
A
Machine Learning
M Chatbot
C Process Mining
P
O
N
R
O
N
M
A
M R
N
O M
R
R
A
M M
A
M

11. Revenue Cycle Management Example - Digital Interventions in O2C
Process
PROCESS
Improve billing
accuracy
(First Time Right)
Improve billing
cycle - single
touch flow,
proactive
measures, billing
platform
enhancement
AR workflow
implementation
EOB access
through web
portals
“Paper Resolve”
– Automation
Reduction
in billing
rejections
1 2 3
Revamp of
collection
strategy
Denial
Management
Drive sales
behavior and
knowledge
to get cleaner
orders
Process Improvement : Value Stream Mapping, Lean Six Sigma Methodologies, Work Force Management
1
Automation: RPA, NLP, Machine Learning
2
Advanced Analytics: Smart Audit, Dashboards, Sentiment Analytics, Denial Propensity, Predictive Analytics
3
Doctor
Product is
applied to
patient;
notifies
sales rep
Sales Staff
Collects
details,
signature,
paperwork
Order Entry
Bill claims
Clearing
House
Forwards
claims to
payer /
rejects
Payer
Approves
/ denies
claims
Collections
Deals with
denials and
raises appeal
Payment
Posting
Post entries
1 3 1 2 1 2 1 3 2 3 2 2 1 2

12. Proof Points
Hi-Tech Leader Water Solutions Provider
• High Days Sales Outstanding (DSO) and overdue
payments
• AR% well below target
• Lack of visibility in payments
• Inefficient process design
• Low collection rate
• Lack of scalability Challenge
• Single unified engagement platform
• Collection optimizer
• Overdue and payment analytics
• Centralized scalable set-up
• Customer payment analytics
• Automated cash application Approach
• Reduced payment delays and improved monthly
AR by >10% in 9 months
• Enhanced customer experience
• $200M additional cash flow
• 80% collections goal target achieved in 6 months
• Ageing invoices reduced to <1% Outcome

13. 1-866-EMAGIA-1 info@emagia.com
© Emagia Corporation. All rights reserved.
© Emagia. All rights reserved.
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing
Digital O2C For the
New Normal and Beyond

14. Technology Partners
OTC Industry Affiliations
To maximize the financial performance of our
customers by driving efficiency and
intelligence in the order-to-cash operations .
Recognized as the LEADER in Digital Order-to-Cash
Emagia is a Leader in Digital Order-to-Cash
Our Mission
200+
Customers
$850B+
In AR
90
Countries
25
Languages

15. GLOBAL AT CORE – Multi ERP, Multi-Language. Multi-Currency. Multi-time zone
SOX COMPLIANCE
Legal Hold, Retention, Discovery
Cash Flow
Analytics
Receivables
Analytics
Customer Behavior
Analytics
Collections
Analytics
CFO
Controller
Shared Services
Biz Analysts
Receivables Collections Deductions Customer
EIPP Portal
Cash
Application
Credit
Emagia AI Engine - Automation, Analytics and AI
Emagia Data Hub- Transactions and Documents
Emagia Data Exchange API Connectivity to External
Emagia
Enterprise
Receivables
Batch
|
Real-time
ERP
CRM
Banks
Files
Credit
z
z Shared Services
Emagia AI-Driven Order-to-Cash Cloud

16. Power of digital trifecta
“Automation, Analytics and AI”
Intelligent. Hyper Efficiency.
Self-Service. Touchless.
Global
Order-To-Cash
Cycle

17. Bots for Enhancing Productivity
Automation – Eliminating Manual Tasks for Hyper Efficiency
Data
Gathering
From
external sites
200+
Bots and APIs
 Business License Bots
 Resale Certificate Bots
 Contractor License Bots
 Liens/Bonds Bots
 Bots for PODs
 Bots for Bank Statements Gathering
 Bots for EDI/MT940/BAI2 Feeds
 Workflow System
 Strategy and Rules Engines

18. Receivables
Risky Customer Alerts
Collections Cash Application
DSO Forecast
Cash Flow Forecast
Risk By Region DSO Analysis Overdue Analysis
Dispute Analysis
• Global O2C Insights Hub
• Over 100+ Insights
• CFO Dashboard
• Controller Dashboard
• Credit Dashboard
• AR Dashboard
• Collections Dashboard
• Cash Application Dashboard
• Cash Forecasting Dashboard
• Predictive Payment Dates
• Predictive Dispute Reason
• Predictive Invoice Match
• Prescriptive Next Task
• Prescriptive Work Flow
Analytics – Empower Data-driven Operations

19. • Over 100+ Skills – Voice, Text, Vision/OCR, Mobile
• Gia as a Credit Assistant
• Gia as a Collections Assistant
• Gia as Disputes Resolution Assistant
• Gia as Cash Application Assistant
• Gia as Cognitive Data Capture Assistant
• Gia as Customer Financial Service Assistant
• Gia as Finance Executive Assistant
AI – Enterprise Digital Finance Assistant
Cognitive AI that has voice, vision and vice
24x7
Customer
Interaction
100+
O2C Skills

20. Digital Mobile Responsive Credit Applications
Mobile self-service forms with digital signatures
and digital reference checks
Predictive Credit Scoring and Auto Decisions Engine
Highly configurable scoring model and risk-based decisions
Prepackaged RPA Verification Bots
Hyper-efficiency with business validation, license verifications,
resale tax certificates
Delegation-of-Authority
Automate approval workflows
<5min
B2B credit
approval time
Integrated Credit Bureaus Reports
DnB, Experian, CreditSafe, Credit Risk Monitor
Gia for Credit
Customer facing and credit rep support 24X7
Digital Credit For the New Normal and Beyond
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing

21. Data-driven personalization in collections strategy and
correspondence
Digital Invoicing and Digital Payments
Shift from EIPP to DIPP and bots assisting posting of the
invoices to customer portals
AI-Powered Digital Assistants
Powering Collection process with direct customer reach
and enabling payments, promises and dispute resolution
Prioritized Task List
Strategy-based communication
AR Portfolio Alerts and Third Party Integrations
Credit Risk Monitor, NCS – Liens and Bonds, Bankruptcy
Monitoring
Predictive Collections and Strategy Automation
Digital Collections For the New Normal and Beyond
<85%
Current AR
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing

22. Best practices reason codes, consolidated from
230+ reason codes to 30+ reason codes
Auto Deductions Processing
Auto identify short pay, over pay with reason codes, auto
generate and resolve disputes through workflow
Automated workflow approvals
Routing based on dispute reason codes. Graphical
workflow process. Audit trails.
Rules-based bulk claims processing
Auto-approvals based on business decisions
Gia Request to Resolve
Reminders and communication on resolution process
Dispute Reason Codification
Digital Deductions For the New Normal and Beyond
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing
<1
Week

23. GiaDocs – Cognitive Remittance Data Capture
Eliminate manual lockbox, email remittance PDFs and
bank statements payments document handling
AI-driven Cash Application
Straight through invoice-to-receipts matching and posting
automation
Roadmap - Netting, Factoring, Rebates, Commissions, Refunds
Gia Request for Remittance
Automated digitally assisted requests to customers to
collect remittance information
Banking Integrations
BAI2, MT940, EDI data formats. Integration with over 170+
banks, Open banking APIs
Global Payor/payee Relationship
Complex third-party payment relationships
Digital Cash Application For the New Normal and Beyond
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing
<90%
Auto match

24. Customer Digital Invoicing and Payments Portal
Onboarding new customers for all customer financial transactions
Split payments, Discounts capture
Straight through invoice-to-receipts matching and posting automation
Account Statements
Automated digitally assisted requests to customers to collect
remittance information
Payment Gateway – CC and Bank-to-Bank
Chase Paymentech, Visa, Master, PayPal, CardX
Gia 24X7 AI- Assistant
Digital assistant for customer account interactions – remittance,
payment, statements
Digital Customer Services For the New Normal and Beyond
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing
24x7
Mobile
Digital Assistant

25. Multi-dimensional visual drill-down
Analyze across business units, regions and other
dimensions
Out-of-the-Box Standard Reporting
Best In class reports with governance structure
Standard Dynamic Reporting
Tools for auto creation of report
Global O2C Insights Hub
CFO Dashboard, Controller Dashboard and All insights
across all processes
Credit Risk Analysis DSO Analysis
Cash Flow Forecast Collections Efficiency Risky Customer Alerts
AR Aging Analysis
Disputes Analysis
Cash Application Customer Payment Credit Utilization
Digital Insights For the New Normal and Beyond

26. 85%
or higher current AR
performance
85%
or higher
cash application
auto-match rates
85%
or higher
Credit approval cycle
acceleration
30%
or higher
DSO reduction
40%
Or higher
Operations Cost
Reduction
World-class Digital Performance For the New Normal and Beyond

27. $10B
Receivables in
Emagia till date
2,000,000
Digital
Transactions
100%
Customer Touch
100%
Risk Assessment
>85%
Current AR
>90%
Auto-cash
34
Business
Units
150
Countries
14
Languages
English, German,
Spanish,
Portuguese,
French, Italian
30+
Banks
Lock Box
Remittance
2k+Users
Collections
Dispute
Resolvers
Cash Application
Unified
Global
Customer
Master
Parent/Child
Hierarchy
Invoice
Consolidation
100%
Analytical Insights
Large Global Manufacturer:
Global Shared Services
Orders
Credit
Cash
Application
Collections
Deductions
Payments
Invoicing

28. www.emagia.com
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