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ValueScape, Analytics Inc., proprietary and confidential information, all rights reserved

Turning Loan Applications into Journeys

ValueScape, Inc., proprietary and confidential information, all rights reserved

We are a high-tech data science company providing mobile applications, social media outreach and advanced analytics for loan application generation, property inspection and appraisal efficiency.

WHO WE ARE

On October 2015, ValueScape received the Wolfram’s Innovator Award and was recognized as an innovative data science company in mortgage and real estate.

WOLFRAM INNOVATOR AWARD


“ValueScape has been selected to present its application SnapValue, due to its groundbreaking, disrupting, analytical and data driven approach”

DIGITAL MORTGAGE 2017


“We’re delighted to announce that ValueScape has been elected to be a presenter at our upcoming Tri-State Convention on Mackinac Island!”

MBA-OBL-ILFI JOINT CONVENTION 2018“UN-CONVENTIONAL THINKING”


Advanced Analysis for Appraisal Efficiency Scheduling & Property Profile verified by Borrowers

Enhanced AVM, Data and Analytics


Drone technology for Property

Inspections

Analytical driven Inspection

Qualified leads for Loan Application Generation

DIGITAL, A DISRUPTIVE FORCE THAT IS

CHANGING RETAIL BANKING

41%of customers indicate they would not

hesitate to change financial services

providers if they found one that offered a

better online/digital offer/experience.EY: “Global Consumer Banking Survey”

53%of millennials are most likely to share content

on Facebook, than GenXers 45% and baby

boomers 43%. Business Insider - 2017

82%of consumers globally go online first if

they are looking to buy a new product

or service.EY: “Global Consumer Banking Survey”

40%or more of new inflow revenue will

be attributed to digital in the next five

years.McKinsey: “Strategic Choices for Banks in the Digital

Age” 2015

80%of all browser’ searches in RealtyTrac’s web site

came from millennials.RealtyTrac - 2017

86%of all closed loans in February 2017

came from millennials Ellie Mae’s Millennial Tracker - 2017

69%of all adult Americans use Facebook.

88% 19-29; 79% 30-49; 61% 50-64 Pew Research Center - 2017

WISDOM FROM MARI SMITH (FACEBOOK EXPERT)

ADAM MOSSERI SAID:


All Rights Reserved

“PAGES MAY SEE REACH AND TRAFFIC DECLINE”


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“MINDSET RESET”: WHO ARE THE RIGHT PEOPLE THAT SHOULD BE TARGETTED? – IS NOT ABOUT NUMBERS …


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BANKS STRUGGLE WITH CHANGING CLIENT

EXPECTATIONS

75%of customers consider their banking relationship to be

merely transactionalAccenture: “The Digital Disruption in Banking” 2014

nearly 50%of commercial banks don’t offer mobile

banking servicesABA “Mobile Banking and Mobile Payment Practices of US

Financial Institutions” 2015

51%of customers want their bank to proactively

recommend products and services for their

financial needsAccenture: “The Digital Disruption in Banking” 2014

*Transforming Customer Experience: From Moments to Journeys, 2013

Customer-centric journeys lead to strong

business outcomes including higher revenue,

happier customers, and lower costs.

+36%

Customer

satisfaction

+19%

Likely to

stay/renew

+28%

Willingness to

recommend

+33%

Less likely to

cancel/churn

BE HUMAN

STORYTELLING & GAMIFICATION

ESTABLISHING “KNOW, LIKE, AND TRUST”

RETARGETING PEOPLE

Target the right audience and build a community of

passionate fans by turning Banking transactions into

Journeys


Be human


Storytelling & Gamification…. “The Disney Way”, Duncan Wardle


Establishing “know, like, and trust”

Educating consumers about market trends, differences between subject property and sales comps, sales vs listing prices, what is driving value, etc.


Retargeting People

Connected customers, with a personalized,

high touch experience

CONNECTED

Bankers

CONNECTED

Customer Care

CONNECTED

Branches

CONNECTED

Products

CONNECTED

Brand


Market Segmentation

• Test Loan Programs

• Determine potential market

• Instant market outreach

• Measure customer satisfaction

• Generate meaningful qualified leads

Happier customers

• Instant gratification

• Real Time and Personalized

awareness about new loan

programs

• Immediate response

Strong business outcomes

• Higher revenue

• Lower costs

• Increased customer loyalty

• Improved SLA’s


Targeting 69%

of all adult Americans

using Facebook.

88% 19-29;

79% 30-49;

61% 50-64

• Acquire

• Onboard

• Engage

Facebook: Target audiences

Drive App adoption

Customer engagement & social media outreach generating

qualified leads for loan application


“Bullseye targeting”: Matchmaking eligibility criteria

Loan Profile

Property Profile

Borrower Profile

Social media Profile

• Journeys featuring client’s logo

• Available for web browsers

• Market loan programs to SnapValue users

• Design, publishing and tracking of loan programs based on

eligibility criteria including: Borrowers profile, Property Profile,

Value Analysis report, Social media Profile

• Notifications to borrowers including: loan pre-approval, complete

specific or incomplete 1003 data, mortgage statement, etc.

• Send messages on specific life events such as birthdays, etc.

• Marketing of loan programs based on consumer’s life events or

preferences such as: motorcycles, cars, travel, etc.

• Management and allocation of marketing budget


• SnapValue featuring Bank’s logo

• Available in Apple store and Google play for Android

phones and iPhones

• Property profile, Borrower Profile, Value Analysis report

and Social media profile is matched against an “eligibility

criteria” managed by lenders in Journeys

• Free Value Analysis Report for consumers and lenders:

MOSAIC AVM™

• Customizable, examples: custom workflows, buttons and

the type of data required to borrowers (i.e. photos)


Customer engagement & Social Media outreach: Qualified leads for Loan Application Generation

• Property profile verified by homeowner: public record

data, property photos, description of improvements.

• Features “Geofencing”, Location of property photos

are geocoded matched against property’s geocode.

• Property photos are verified by machine learning (i.e.

front view actually being a front view of the property)

• Includes scheduling for property inspection

• Customizable, examples: custom workflows, buttons

and the type of data required to borrowers (i.e.

photos)


Beyond Marketing….. Backend efficiency: Appraisals, Inspections

Users complete a Property Profile.

Photos are verified by Geofencing and Machine Learning.

Scheduling of Inspection.

Inspection data is presented to appraisers using ValuationNavigator®: review inspection data, complete a market analysis, regression analysis and the selection of comparable (listings and sales).

Appraisers complete an Appraisal report via a web form on ValuationNavigator® or their computer’s browser.

Includes ValueScape addendum


Property Profile data is presented to inspectors using InspectorNavigator™ to complete an inspection report

HOME OWNERS INSPECTORS APPRAISERS REVIEWERS & MANAGERS

Data is presented in Journeys.

• Appraisal report and its data is pushed to 3rd party appraisal management systems via API

• Business Intelligence & reports

• Automate workflows

• Further data analysis

• Customer satisfaction surveys

• ValueScape’s billing

• Optional: MosaicAVM

The “Tri-furcation” of the appraisal process

Backend efficiency and customer satisfaction

Courtesy of Petersen Automotive Museum

A PEEK INTO THE FUTURE…….

Mark Linne, CEO

[email protected]

William Leveson-Gower, COO

[email protected]

Build a Banking community of passionate fans…

Start your Journey with today !

YOU ARE AN UN-CONVENTIONAL THINKER !!!

mailto:[email protected]

mailto:[email protected]

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