The BIG Future of BIG Data

BigData

DataGovernance

DataWarehousing

DataReporting

DataInfrastructure

Become a PREDICTIVE Enterprise by generating ACTIONABLE

research and business insights through data ANALYTICS

Member Success Outbound Program & Next Best Cross-Sel l ing / Predict ive Model ing

• 12 months since inception• ROI: 13%• Indirect Member HHs to Retail: 18%• Member “Churn” Impact: -12%• 600 active/profitable Checking Accts• $5M in profitable loans• $4M in core deposits • Increase of 15-20% in service usage & adoption

Algorithms

Demographics Psychographics LifeStage

MemberSuccessSpecialistTypeA

Demographics Psychographics LifeStageMemberTypeA

MemberSuccessSpecialistTypeA

MemberTypeA

Direct Marketing & Product Propensity Modeling

→ Black Friday CD Promotion (1 day)

→ Pr i ce po in t members move money a round→ CD Purchase P ropens i ty Mode l (Member/Non-Member)→ Dr ive- t ime to b ranch based on w i l l i ngness → Targe t Marke t segmenta t i on/c r i t e r i a→ Opt ima l Commun i ca t i on channe l based on member p re fe rence

Other applications of Big Data:→ Branch Placement

→ Enter New Market (Branch Opening)→ Exi t Current Market (Branch Closure)→ Opt imize Network (Branch Relocat ion)

→ Virtual Branch→ LifeStage Segmentation (CRM)→ Machine Learning→ Decision-Making Engines (Acct/Loan Origination

Systems)→ Apple Pay

Other applications of Big Data:→ More Algorithms

→ Digi ta l Market ing (Reputat ion R isk Soc ia l Media, B logsphere, Dig i ta lsphere)

→ Branch Beacons→ Geofenc ing→ Cal l Center and Branch Forecast ing Model Engine

(Dai ly staf f ing and # of new hires)

Challenge the Status Quo. Stay Hungry. Stay Foolish

Steve Jobs

Thank you