Presentation by ERN Merchant & Acquiring Sales Director Brian Eagle-Brown. Data-Driven Marketing Road Show at BL-NK, London, March 26 2014

2. ALL RIGHTS RESERVED © 2014 ERN GLOBAL LTD
March 2014
Brian Eagle-Brown
Head of Sales
Using Payment Transactional Big Data

3. ERN is a pioneering global big data technology company
• Big data transaction analytics platform
• Real-time Insights & analytics
• Real-time marketing capabilities
• Rewards & Loyalty solutions
33
Who is ERN?
Turning Payment Data Into Marketing Intelligence
ALL RIGHTS RESERVED © 2014 ERN GLOBAL LTD

4. 44
What is Big Data?
ALL RIGHTS RESERVED © 2014 ERN GLOBAL LTD
“Big data” is high-volume, -velocity and -variety information assets that demand
cost-effective, innovative forms of information processing for enhanced insight
and decision making.
Variety
Velocity
Volume
Cost-Effective
&
Innovative
Forms of
Information
Processing
Enhanced
Insight &
Decision
Making
Source: Gartner
Business
Improvement

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What is Big Data when related to payments ?
Acquirers:
Want to create new
revenues & provide
value adding services
to Merchants
Consumers:
Want control,
recognition,
convenience & better
value
Banks:
Inability to leverage
Big Data & get actionable
insights that create value
due to legacy systems
Merchants:
Want more business
& engagement from
new & existing customers
?

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What is Big Data when related to payments ?
What I might say I’d buy…. What payment data shows I buy….
Aspirational data can be appended to actual transactional behaviour
data for a more informed view of Customer

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Why bother…… ?
Source: Bain and Co.
• Bain & co survey of
400 large
organisations most
with $1b+ revenues
• Those companies
that aligned
people, tools, data
and analytics were
less than 4% but
achieved
staggering
performance

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What is the market opportunity ?
 Big Data Spend in 2013 by Banks & Retailers was an estimated $44bn
 SaaS Market will grow 19.5% Through To 2016

9. 99ALL RIGHTS RESERVED © 2014 ERN GLOBAL LTD
What are some of the challenges ?
Infrastructure and
internal resource
restraint
Increasing costs and
lack of specific skill set
for Big Data
transformations
Multiple legacy systems;
collection, storage &
processing is difficult
Too much data,
up to 500m
transaction per day

10. Pay by
mobile wallet
Click &
Collect
Get Deals &
Coupons
Use
Mobile AppsAccess
My Data
Choose
Sustainable
Customise my
products
Interact through
Social Media
Experiential
Shopping
Buy Local
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Thoughts on the
Opportunities….
Consumers are demanding more!

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Thoughts on the
Opportunities….
Mass
Communication can
often result in a
swift consumer
reaction

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Thoughts on the
Opportunities….
Businesses like to engage in 1:1
conversations with
consumers…..but this isn’t

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Thoughts on the
Opportunities….
Big Data with refined analytics can help
customers feel engaged on a 1:1 conversations
despite volume of customers or number of
changing variables
Weather
Location
Channel
Time
Day of
Week
Day of Month
Seasonalit
y

14. Thoughts on the Opportunities
Enhanced bank & Merchant Interaction: Integrated
data example
Card Data Shopping Bag
Item Detail
Transactional
‘Big Data’
Effective
Targeting
Relevant Offers
to the ‘Right’
consumer
OUTCOME
Top of Wallet
position for
Card `Issuer
Incremental
Footfall &
Purchases
for Merchant
Relevant individual
offers / rewards
for Consumer

15. Thoughts on the Opportunities: Combined
data
Relevance and convenience are key to customer engagement
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looop

16. Opportunities Through the Value Chain:
Using transactional data to gain competitor advantage
 Target consumers intelligently in real-time
 Provides real-time consumer spend
analytics
 Use predictive real time data to increase
footfall
transaction volume & average transaction
spend
Merchant
 Deeper understanding of consumer
behaviour
 Encourage transaction use & loyalty
 New revenue streams & value added
services
 Provides real-time actionable analytics
Card
Issuer
 Overcomes legacy systems & provides VAS
 Incremental data insight & usage
 Innovation with coupon & loyalty
capability
Acquirer

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Big Transactional Data : Big Benefits
!….
Big Data
capability
The ability to leverage transactional data analytics on a
specific
Enhanced
data analytics
The ability to leverage enhanced analytics from a number of
data sources to create targeted actionable insights
immediately
Real time,
targeted
communication
s
The ability to drive communications via a variety of devices,
including targeting by time, location, behaviour or
segmentation
Enhanced R&D
capability
The ability to innovate using test and learn methods on
complementary platforms with new, advanced technologies

18. Brian Eagle-Brown
Head of Sales
M: +44 (0) 777 551 5805
E: beagle-
brown@ernglobal.com
ALL RIGHTS RESERVED © 2014 ERN GLOBAL LTD
18
Thank you for listening
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