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Saylent EngageThe Next Evolution in Data-driven Customer Engagement

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Where are the deposits?

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Engagement Statistics

89% of consumers feel that a personalized experience

with their financial institution is important.Source: JD Power Retail Banking Satisfaction Survey, 2019

Yet, 94% of FI’s are unable to deliver on the

personalization promise.Source: JD Power Retail Banking Satisfaction Survey, 2019

42% of consumers find their banking provider’s

marketing to be relevant less than half the time, if ever.Source: Yes Marketing July 2019, The Financial Brand

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Portfolio Analytics

Segmentation

Marketing Campaigns

Fraud Forensics

• Account Analytics

• Dynamic Products

• Automated Rewards

• Seamless Integration

• Customer Insights

• Prescribed Actions

• Campaign Automation

• Transparent Outcomes

Proven partnership built on success since 2007

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Our Evolution from Analytics to Engagement

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Too much data – the sheer enormity of available data can

be overwhelming, resulting in missed opportunities

What We’ve Learned Together

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Too much independence – powerful tools are underutilized

due to lack of time, training, experience and expertise

Analysis over action – most solutions feed the cycle of

analysis, and lack the ability to spur action

Creative barriers – creativity and collaborative ideas are often

met with complex and expensive obstacles to execution

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Complete, End-to-End Solution

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Identify opportunities and build more profitable relationships through

automated, relevant communications

YOUR DATA

ENGAGEMENT MODELING OUTCOMES

ACTIONSINSIGHTS

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Saylent Engage Demonstration

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Insights Status

Model-Driven Insights Expert-Targeting Insights Tailored Insights

• Under-Performing Consumer Cards

• Under-Performing Commercial Cards

• Active Mortgage Shopper

• Direct Deposit

• Account Activation

• Under-Performing Accounts

• Single Service Customers

• New Customer Acquisition

• Customers with Maturing Loans

• Customers with Maturing CDs

• ATM-Only Users

• Low or No Bill Pay

• Credit Campaigns

• E-Statement Adoption

• Customer Onboarding and Lifecycle

• Think outside the box!

• Build awareness in new market

• Add onboarding steps

• Build in life-cycle touchpoints

Stage

Engage Insights

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New: Tailored Insights

TargetEstablish your audience

through list upload or query

builder

ReachSelect your customers’

preferred channels to present

your message

OptimizeDetermine your

campaign incentives and

qualifying criteria

LaunchGo to market with the

simple click of a button

Every institution is unique. And our newest addition to Engage gives

us the power to work with you to design, execute and learn from

campaigns that are tailored to your needs.

The same powerful Insights, Actions and Outcomes, now with additional flexibility and efficiency.

Unlock New Opportunities for Growth

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Beyond the Platform

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High-level business strategies can be classified in a few categories:

Major Business Objectives

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Profitability

--

Achieve profitability from all levels:

bank, territory, branch, customer, account

Retain

–

Keep existing business

Grow

–

Impact utilization of

products

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In the hierarchy of business objectives, sub-objectives can be classified as:

Business Sub-objectives

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Deposits

–

Increase Loan and Deposit

Account Balances

Interest Income

–

Increase Interest paid on

loans/credit cards

Non-Interest Income

–

Increase Interchange,

fee income

Expense reduction

–

Reduce costs of retention,

acquisition, and engagement

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Objective Matrix

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Objective Retain Grow

Deposits

• Maturing CDs

• Maturing Loans• Loyalty

• Birthday/Account Anniversary

• Attrition Triggers

• Merger Impact

• Onboarding Strategy

• Over drafters →Reg E opt-in

• Active Shopper: Risk/Retention

• DDA/Loan Internal Prospecting – “Single

Service”

• Onboarding Program

• Direct Deposit

• CD Specials

• Balance incentives

• Commercial - > Consumer

Interest Income

• Loyalty

• Birthday/Account Anniversary

• Attrition Triggers

• Merger Impact

• Onboarding Strategy

• Maturing Loans

• Loan Cross sell

• Onboarding Program

Non-Interest Income

• Recurring Transactions• Loyalty

• Birthday/Account Anniversary

• Attrition Triggers

• Merger Impact

• Onboarding Program

• POS Utilization

• POS Activation

• Recurring Transactions

• Onboarding Program

• Under-Engaged account program

• Over drafters →Reg E opt-in

Expense Reduction

• Attrition Triggers • Onboarding Program

• Under-Engaged account program

• eStatement penetration

• Heavy check writers

• In Branch depositors

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FI Objective: Drive deposit growth and retain

customers

Solution: Saylent devises a prescriptive action

plan to help FI reach their goals

Sample Strategy

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Objective Retain

Deposits

• Maturing CDs

• Maturing Loans• Loyalty

• Birthday/Account Anniversary

• Attrition Triggers

• Merger Impact

• Onboarding Strategy

Insight Action Outcome Frequency

Maturing CDs Target CDs Maturing in next 6 months Retained Relationships

Retained Deposit

Monthly

Maturing Loans Target CDs approaching average loan lift Retained Relationships

Retained Loan

Balances

Monthly

Loyalty Target Highly Engaged Accounts or POS transactors with a small

token of appreciation

Retained Relationships

& Deposit balances

2X Annually

Birthday/Account Anniversary Target Customers in their birthday month/account anniversary

month with loyalty messaging

Retained Relationships

& Deposit balances

Monthly

Attrition Triggers Target Customers before account closure based on Move, DD

Status, POS Activity, Overall Txn activity declines

Retained Relationships

& Deposit balances

Monthly

Merger Impact Target profitable customers in the wake of M&A activity,

assuring their importance

Retained Relationships

& Deposit balances

As Needed

Onboarding Strategy Target and treat New accounts, and New customers with series

of informational and cross-sell messaging

Retained Relationships

& Deposit balances

Daily

Etc.

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Success Stories

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BankFirst Case Study

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What Our Clients Are Saying

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• 2019 FinXTech Presenter

• 2019 CULytics FinTech Pitch Finalist

• Finovate Fall 2018 Presenter

• 2018 CUNA Technology “Best of Show” award at GAC

• 2018 NACUSO Finalist for “Next Big Idea” Competition

• 2018 CUNA Tech Conference Speed Round Finalist

“The Saylent Platform allowed us to

quickly and easily target customers

who didn’t use their cards as top of

wallet in a way we couldn’t before. We

are so pleased with the initial success

of the program that we plan to

continue to run new campaigns

through the Platform in 2019.”

Tim Adams, SVP, Electronic Banking

“We partnered with Saylent because

their robust solution could get us

through the noise of so much data;

and give us clarity on where to focus

to maximize our returns. We’re blown

away by the success of the campaign as

we hit our breakeven threshold in

under two months. We’re excited to see

what we can tackle next”

Leon Manning, VP, Director of Marketing

“The Saylent Platform is a unique

solution in the market that will

provide the Bank with significant

efficiencies by automating the

development of customer insights. The

ability to take the necessary steps to

execute on those insights through

marketing campaigns leveraging

multiple channels, manage fulfillment,

and review robust analytics through an

easy to follow workflow, will make this a

valuable tool for the Bank.”

Steve Johannessen, CPA, SVP, Deputy Chief

Financial Officer & Vice Treasure

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Q & A