© Copyright Intelliflo Ltd.

Change the game

Nick Eatock

June 2015

1950s – 1980s = Product-Centric

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• In most markets there was more demand than supply• Poorly informed customers• Profitable growth was all about extending market share

“Where there’s mystery, there’s margin!”

Alan Sugar

Focus on Product

1990s+ = Customer-Centric

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• More supply than demand• Better informed customers – internet• Wider distribution does not necessarily dictate higher profits

“Get closer than ever to your customers.”

Steve Jobs

Focus on Client

Mission Statement

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“To be Earth’s most customer-centric company…”

Populations/Users are changing

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Facebook QQ/Wechat WhatsApp Qzone LinkedIn Skype Google+ Instagram Twitter Snapchat -

200

400

600

800

1,000

1,200

1,400

1,600

1,415

1,297

700 629

347 300 300 300 288

200

Social Network Users March 2015 (millions)

Source: Statista 2015

Customers are changing

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Toothbrushes

Customers are changing

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Customers are changing

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Mobile Presence – which are you?

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• 44% of companies have iPhone apps

• 33% have Android apps

• 26% have iPad apps

• 22% still don’t have any kind of mobile presenceSource: econsultancy 2013

• 10 connected devices owned by average UK familySource: Microsoft Research 2013

Preferred Channels for Banking

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Direct v Digital importance for HNWI – by Functional Area

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Client Evolution

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Make it easy for clients to do business with you

Business Reimagined

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Don’t confuse the value you provide with the way you provide it

Source: Dave Coplin (Microsoft) and Adam Pisoni (Yammer)

Business Reimagined

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Don’t confuse the value you provide with the way you provide it

Source: Dave Coplin (Microsoft) and Adam Pisoni (Yammer)

• Supports Advice Process

• Grow your business through cost-effective

Campaign Management

• Clients can complete Fact Find online

• Automated alerts and insights

• Budgeting & Goal Management via Optional Bank Account aggregation

Personal Finance Portal:Adviser-Client Access

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70,000+ clients in UK actively using this today

Client Access to Info on Medium and Long Term Money

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Unique Aggregation to Pensions and Investments Valuations and Funds

“Use Your Agency Number!”

Uniquely Available through Advisers

Print & Post – an ROI study

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• 100 active clients per adviser• Typical Adviser documents - annual Portfolio Statements,

Report and Suitability, Fact Finds, Risk Questions, Service and Fee Agreements, Disclosure Documents

• We analysed documents sent over 10 years of data• Sourced full costs for print from Hewlett Packard• Sourced postage costs from Royal Mail• What do clients do with these documents anyway?• ROI Result – between £1k - £10k per adviser pa saving

Data Protection

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• Email or Post versus Secure Mail• Significant fines on firms not providing

protection of data and information• 45% of all fraud in 2014 was identity fraud • 24% of UK citizens have been victim of identity fraud• Fact Find is the richest source of client information for identity theft• 5% of UK citizens are 100% confident that organisations they deal with

treat their personal information securely

Use Secure Mail to Address this

Fact Finding

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• Tedious, embarrassing and expensive process

• Use online Fact Finding to:-• Reduce Cost• Remove Embarrassment of client not knowing

what they’ve got• Get better data• Keep data secure• Reduce time and cost of first appointment• Analyse new clients before first appointment• Allow you to have decent MI in your business

PFP PremiumShort Term Cash - Aggregation

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• Client gets visibility over ALL their portfolio - current and savings accounts, credit cards, loans, pensions, investments, assets, mortgages

• Allows budgeting, goal and debt management

• Provides real data for financial planning and cashflow modelling - making adviser’s job easier

• Enhances relationship and service scope between client and adviser

PFP PremiumHeld Away Assets

• Provides access to “held away” assets and portfolios you may not know about:- • Hargreaves Lansdown• Sharepeople• Stocktrade• TD Direct• Bestinvest• Cash / Savings / Other Pensions…• Circa 268 other providers

And perhaps charge accordingly for advice on these assets?

• Provides automated alerts to client and adviser

• Provides easy click through to start engagement• Goal management and progress• Significant changes in valuations• Fund Changes• Spending habits • Budget management• Debt management• Insights

Alerts and Insights

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PFP Premium Conference Special Offer

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• Auto-register your Premium Clients

• 20% saving off RRP indefinitely for licences registered by 31st August

• Save £288 per annum for 100 clients

• Visit the PFP Stand to apply

The Future Possibilities?

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• Omni-channel Advice• Full, Simplified and Guided• Transactional via multiple platforms

and providers

• Financial Fitness and Healthcheck

• Financial Education & Lifestages

• People like You

• Payment Collection

• Lead Generation

Digital Advice – enhancing relationship

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Every client wants some interaction face to face

but

No client wants everything face to face

12 Months of new functionality…

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New Workflow• Built on industry leader platform – Microsoft Windows Workflow• Comprehensive configuration capability allows users to define any workflow

process – no code

Document Designer• Sophisticated tool allows users to create templates (e.g. suitability) in Microsoft

Word based on XPath open standard – no code• Huge breadth of fields and conditional logic

Wealthlink• Tight Straight through Processing integration with key platforms in marketplace• Delivers operational efficiencies and accuracy• 4 live today – Zurich, Cofunds, 7IM and AXA• 3 further platforms currently in build

Best of Breed Integration Partners

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Philosophy• Open not Closed• 100+ Approved Integration Partners• Third-party specialists provide best of breed capability in their field• Intelligent Office is the hub• Tight integrations provide real operational efficiency and best in

class capability combined with flexibility of choice

Recent Integration Partners• eValue Advisa Centa• FE Analytics• Voyant Cashflow• Distribution Technology Dynamic Planner

Results• Typical ROI of 100-300% and payback of 6-12 months• Adoption is everything

Return on Investment

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Community

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Capability• Encourages sharing of knowledge and discussion across the

community of all our users• Faster resolution• Immediate 24x7 updates on all cases raised

Ideas• You raise ideas, the community votes, we build them• 43 major upgrades since we started in 2004• Democratising Development – everyone can vote• Every quarter we will build a selection of the top voted ideas• “It’s your product”