1) The document discusses predictive analytics and business intelligence in payments and commerce. It outlines models like Type 0 and Type A analytics engagement and critical success factors. 2) Mobile technology is converging and will be a key driver of growth, with payments initiated by mobile expected to outnumber plastic card transactions within 10 years. 3) The future of payments and business is focused on predictive, accessible analytics solutions and managing mobile and technology convergence.

1. ®
The world of payments and
business intelligence
Art A peek into the future
Sankar Narayanan, Fractal Analytics
Director – Client Servicing
Science Kamran Ashraf, Visa Europe
Head of Analytics and Information Services
Predictive Analytics Innovation Summit
London, 18 April 2012
Confidential | Copyright © Fractal Analytics 2012 1

2. ®
The world of payments and business intelligence
1. Predictive and
accessible
analytics
4. Mobile 2. Sub-optimal
and models - Type
convergence ‘0’ and ‘A’
3. Critical
success factors
- T3 scorecard
Confidential | Copyright © Fractal Analytics 2012 2

3. ®
1. What good is data if we don’t use it!
A leading online grocery retailer, Competing on Analytics
1. The classic NYC traffic problem 2. The case of the broken egg
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4. 1. Police department benefits from real-time and
®
accessible analytics solutions
Key wins for the Police department: real-time updated models and accessibility
everywhere from police captain’s PC to the patrol cop’s car monitor
Applications
Support real-time
patrolling decisions
(suspicious activity)
Manage overtime &
budgets in a resource
constrained
environment
Visual map overlay
analysis to ensure
quick reallocation
“Real time visualization, predictive analytics and geospatial analysis provide answers.” – Lt. Dale Peet, Michigan State PD
Confidential | Copyright © Fractal Analytics 2012 4

5. 2. Sub-optimal ‘Type 0’ and ‘Type A’ analytics
®
engagement models
Type 0 Type A
Investment in pure
‘0’ investment, no science, no growth
growth objectives objectives
Objectives Plans
Strategic Data governance, especially Digitisation of data, new data
regulatory feeds
Operational Data warehouse consolidation Big data solutions
Optimisation Longer lifecycles Cutting edge models
Confidential | Copyright © Fractal Analytics 2012 5

6. 3. Critical success factors (CSFs) in the BI/IT domain –
®
T3 scorecard
Talent
Tangible
Trust
…ever closer collaboration
Confidential | Copyright © Fractal Analytics 2012 6

7. 3. Critical success factors (CSFs) in the BI/IT domain –
®
T3 scorecard
Talent
Tangible
Trust
Confidential | Copyright © Fractal Analytics 2012 7

8. 3. Critical success factors (CSFs) in the BI/IT domain –
®
T3 scorecard
Talent
Tangible
Trust
Confidential | Copyright © Fractal Analytics 2012 8

9. 3. Critical success factors (CSFs) in the Business
®
domain
1. Leadership Vision, prototyping
ROI themes and ‘test & learn’
2. Business 3. Ownership
application Metrics, KPIs = Data dictionary, quality
Themes Test & learn
n el
Chan
Activation –
restaurant
offer +50%
Transaction
Form
Dormancy –
holiday towel
offer +15%
Pr
od
Usage – uct
1 petrol offer in
cents or %
2 3
‘Must-have’ requirements which Move from product to customer
WILL be applied to business view – value, behaviours, triggers and
problems touch points
Confidential | Copyright © Fractal Analytics 2012 9

10. ®
4. Mobile as an engine for growth
It took….
Telephone Television Internet iPod iPhone Facebook Android
38 years 13 years 4 years 3 years 2 years 2 years 1 year
….to reach 50m users
Avoid extinction…
Technology convergence and rise of mobile payments
Within ten 50 billion devices will be Payments initiated by mobile will
years: connected to the Web outnumber transactions on plastic cards
Confidential | Copyright © Fractal Analytics 2012 10

11. ®
In summary & thank you for listening!
• Predictive and accessible
analytics
Art • Sub-optimal models - Type
‘0’ and ‘A’
• Critical success factors – T3
Science scorecard
• Future (of payments) is
mobile and managing
convergence is key
Confidential | Copyright © Fractal Analytics 2012 11

12. ®
In case you didn’t know…
Fractal’s clients achieve competitive advantage by ®
institutionalising analytics
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13. ®
In case you didn’t know…
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14. ®
In case you didn’t know…
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