Tullio SiragusaCEO | SegONE

@tulliosiragusa

tullio@SegONE.com

m. +1.310.936.6600

www.SegONE.com

Banking Micro-Contextual Segmentation

“BoA keeps sending me this offer but they say I can’t have it because I am not a US citizen. This has been going on for the past 8 years!”

Bhagavan JalliBank of America Customer

WHY

Banking Micro-Contextual Segmentation

VALUE PROPOSITION

Micro-Segmentation and Contextual Analytics can help banks gain more wallet share by enabling near real time insights on when to make the right offer, to the right customer, for the right reasons.

Banking Micro-Contextual Segmentation

A customer-centric bank’s true nature can evolve to be a commerce partner to consumers... Consumers are looking for a commerce partner to help them create experiences they value.

Data Science Central Blog

CONSUMER RELEVANCE

Banking Micro-Contextual Segmentation

Price products and services for innovative profitability

Gain a sustainable competitive advantage

Up-sell and cross-sell

products and services

Make timely and relevant

profitable offers

Identify who to drive revenue

promotions with

Banking Micro-Contextual Segmentation

DRIVE PROFITABLE GROWTH

BRIDGE THE DIVIDE“Our approach to engaging with customers, partners and each other has fundamentally changed and the power of deciding is the individual… it is critical to have both a business strategy (CMO) and a big data analytic solutions (CIO) working together to support the business - one person at a time.”

CHRISTOPHER PETERSIntel IT Center

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

PRODUCT ROADMAPPhase One

Micro-Contextual Segmentation(Consumer Dossier)

Phase TwoCustomer

Collaboration(Banker Dossier)

Phase ThreeMarket InsightsVertical Insights(Insights Integration)

Phase FourPredictive Analytics

(Artificial Intelligence)

Banking Micro-Contextual Segmentation

BUSINESS SUMMARYSegONE provides micro-segmentation and contextual analytics software to help banks gain more consumer wallet share by enabling insights on when to make the right offer, to the right customer, for the right reasons.  

Problem:• Consumers are moving target with eclectic behaviors• Predicting which customers are more likely to drive more transactions

based on current and relevant intent, and taking action on it in a timely fashion is not possible today

• Consumers are overloaded with messages, offers, and incentives to the point of being desensitized

• Contextual analytics solutions are fragmented across multiple industries (digital media, software, and IT); none of which are taking a big-data approach by coupling both internal and PCC (perpetually connected consumers) data to deliver micro-segmented contextual consumer insights

Solution:• SegONE uses structured historical transaction data and unstructured

perpetually connected consumer data to identify interests and behavior patterns in order to semantically identify consumer insights; helping banks engage consumers in relevant ways to drive more commerce. 

Banking Micro-Contextual Segmentation

CONTEXTUAL INSIGHTS• SegONE uses enterprise data, machine-to-machine & human-to-machine

communications, transaction logs, geospatial and consumer intent data to semantically index values to deliver near real time on demand micro-contextual segmentation insights.

• SegONE ties structured and unstructured data within the bank’s walls with perpetually connected consumer data to identify interests and behavior patterns.

• Banks gain competitive decisions advantage that lead to predictive analytics to manage churn, drive fees from profitable customers, and align investments coming from:

• Data mining the enterprise• Text mining call center transcripts• Smarter machines doing the heavy lifting• Statistical and historical trends tied to social data and human insights• Industry trends and market insights semantically indexed by

consumer• Historical and trending data semantically indexed by consumer• Geospatial consumer data tied to behavioral data• Transactional trends data tied to consumer intent insights

Banking Micro-Contextual Segmentation

SegONE Consumer Dossier

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

Banking Micro-Contextual Segmentation

SegONE Architecture

PRODUCT ROADMAPPhase One

Micro-Contextual Segmentation

(Consumer Dossier)

• Enterprise• Money Managers• Wealth Managers• Brokers• Insurance Agents• Call Centers• Analysts• Executives• Branch Reps

• Banks can create from APIs a SaaS: • Mobile App• Web App• For SOHO

affiliated advisors/reps

Phase Two

Customer Collaboration(Banker Dossier)

• Bi-Lateral Collaboration• Consumers gain

access to banker dossiers

• Consumers collaborate in the relationship

• Human to Human learning captured by machines

• Deeper more accurate insights continually optimized

• New collaborative engagement model

Phase Three

Investment Market Insights

Industry Vertical Insights

(Insights Integration)

• API TO PLUG IN (optional)• Fidelity• Fiserv• LinkedIn• Industry News feeds• Business News

Publishers

• Banks can enrich the tools provided to representatives by integrating market and industry vertical insights

• Integrates existing assets

Phase Four

Predictive Analytics(Artificial Intelligence)

• Integrate Phase 1 and 3• Apply human to

machine learning to deliver predictive insights

• Expanded Client Base• B2B Executives• Commercial Bankers• VCs• PE• Angel Investors

• Empowers commercial bankers

Pricing Model

• Core Pricing Model• Software License• Per Seat

• Alternative SaaS Pricing• Pay-per-Dossier• Pay-per-Seat• Pay-per-Insights• Pay-per-Analytics• Pay-per-Prediction

Banking Micro-Contextual Segmentation

DRIVE PROFITABLE GROWTHPrice for Profitability

(Retail Banking)

Gain maximum returns from deposits, loans, and fees with near real time consumer insights to match new products for deposits, loans, and fees. 

Determine the best action for each customer to increase spend levels and transaction frequency via micro-segmentation and contextual insights.

Competitive Advantage

(Retail Banking)

Drive balance, price loans, and structure fees with near real time insights on average rates by market with an historical perspective and predictive consumer context.

Beat the competition with offers that are more relevant and tied to timely consumer sentiment and interest.

Up Sell and Cross Sell

(Cross-Bank-Portfolio)

Develop strategies that promote customer loyalty and help you increase products per household on a geographic basis based on trends, and in market relevancy.

See what product types are proliferating that influence customer behavior and repeat with like consumers at scale.

Align Offers(Retail Banking)

Add services like credit score reporting (71.4% consumer interest*), identity theft alerts (70.8% consumer interest*), payment protection services (64.6% consumer interest*) and same day bill pay (58.7% consumer interest*).

Know why and when to target customers that will add profitable recurring revenues.

*Market Rate Insights

Promotions(Cross-Bank-Portfolio)

Offer the promotions and rewards which are most effective at keeping your most profitable customers happy and engaged.

Know when consumers are most likely to be interested, based on near real time insights gained from contextual analytics.

Banking Micro-Contextual Segmentation