REZOLVE AI INVESTOR DAY: REZOLVE REWARD - JAMES HOUSE - REZOLVE AI PLC

Thank you very much Naga and good morning everyone it's great to be here with you today I'm James House I'm CEO of Resolve Reward I've spent 30 years in loyalty data and technology companies and in leadership roles within MasterCard and BNP Paribas amongst others I think you've just heard from Naga very clearly how Resolve Pay is reducing friction for the customer in the moment of payment. I'm going to talk to you now a little bit about how Resolved Reward is really extending that reach into the broader customer relationship. There we go. So Resolved reward, for those of you aren't familiar, sits at the intersection of banking and commerce. Our banking partners bring customers, a trusted network, we all trust our banks, and and transaction data. Our merchant partners bring a demand for profitable growth. We take the bank's first party transaction data, be that from a current account or a checking account, a credit card transaction or a debit card transaction, and we turn that into actionable customer intelligence. This intelligence drives more relevant customer engagement for both the banks and the merchants. So we start to create this virtuous circle. Most importantly, and I think this is a really important point, especially in today's economic environment, is we close the loop to the actual purchase. I think every marketer today really wants to understand where they invest their dollars and where it has the biggest impact. And we bring the most powerful source of measurement, which is actually the transaction. So I'm going to take the next 10 minutes really just to tell you a little bit more about Resolve Reward and Resolve Insights as well. So as you can see here, Reward is operating at a global scale. We're in 15 major markets and we're delivering programs to engage over 14 million consumers. We have over 30 major financial institution and payment partnerships. And this really spans the major schemes, as you can see, from Visa, MasterCard and Amex to some of the world's leading issuing banks and also to some innovative fintechs such as Zilch, for example. We analyze over 100 billion transactions in the UK market. That is one in three transactions alone that we're actually analysing. And that represents around 140 billion in annual spend. So you can see a real power in terms of the depth of insight that we are deriving. We also connect over 30,000 retail outlets and several hundred merchant partners. And you can seen in the corner there some major brands from Starbucks, McDonald's, Disney, Deliveroo, now part of DoorDash, Uber Eats amongst others. I could go on. We are connecting everyday spend categories here. So we span QSR, grocery, fashion retail, specialty retail, media and telco, amongst other sectors. So we really have every element of consumer purchasing covered. And importantly as well, we've returned over 2 billion of value back to consumers. So consumers are deriving significant value from being part of our programs. We operate a very powerful self-reinforcing cycle. It starts at the center with engaged bank customers. So everything we do for our banking partners is about driving deeper and richer customer engagement. That gives us access to the data that I spoke about. So we can understand where customers are shopping, how often they shop, how much do they spend, how loyal are they, how do they switch between different brands. So there's a real, real power. And I'd struggle, and I've worked in data for 30 years, to identify a more powerful source of consumer intelligence. So we take that data and we derive intelligence from it. That can be segments, that can be propensities, that can be helping our clients make better business decisions as we go forward. Who to target, with what proposition and where to invest. And then importantly, we then can activate on those audiences and measure the resulting transactions. So I think again in today's market, there's a plethora of insights available to marketers. I think what we're able to do is actually deliver the richest sort of intelligence activator on it and then measure it. And as you can see, the more engaged customers that we get, the more data we get the better the targeting, the segmentation and the propensities are going forward and that's the compelling cycle that we operate I think further kind of positive news is that there's a massive growth opportunity for our business we have significant tailwinds in each of the three markets that we operate in, customer engagement, commerce, media and consumer insights. Within customer engagement for banks we've talked about the propensity towards digital payments, Naga mentioned the shift away from cash We can talk to the battle for top of wallet status. So every customer now is operating a wallet with multiple bank cards. Every bank wants to be top of wallet. And every bank wants the opportunity to create new ways to engage with consumers. Let's face it, our banking relationships haven't been always the most exciting. Banks are looking to create New Ways to connect with consumers and drive NPS. For merchants, the challenge is how do you drive greater ROI? Most marketing budgets are challenged. How do you deliver greater uplift? And importantly as well, how can you drive deterministic measures? Obviously, the advertising industry has been heavily governed by proxies like clicks, propensities and impressions. We bring the definitive deterministic measure in terms of transactions. That said, we're expanding our heritage from banking, loyalty and card link commerce into these three connected markets. Together, they represent a 40 billion addressable opportunity for resolved reward. Retailers need a better customer understanding and demonstrable ROI. We're connecting these three areas under what we call our finance media network. This enables bank distribution, customer intelligence, and merchant activation to be measured against actual spend. I said one of the key growth areas for our organization was consumer insights. And this is why we're doubling down on what we called resolve insights. We've spoken about how we use data to drive activation, to enable people to drive better advertising campaigns. We can also use our intelligence to drive better commercial decisions. And this is really where we're doubling down as a growth driver. You can see here, we already have some strong foundations through partnerships with leading global data and insight players. This includes Experian, Affinity Solutions here in the US, and CACI, as well as a number of consumer-facing brands, including Deliveroo, Nike, Asda, and Domino's, all major brands who are using our insight. They're not just using this to activate, they're using this to make decisions around which customer segments they want to grow, which locations do they want to build, which categories do they want to focus on, how do they think about time of day in terms of how they service different customers, how to think about potential strategic acquisitions. I could go on. There's many, many use cases for our insights. Most importantly, this for us creates a high value differentiated recurring revenue stream through what we call data as a service provision just going to spend a couple of minutes now and show you a short demo video this is showing how our product is embedded within a banking app we've kind of made it a generic example but you could go to any of our banking partners and be able to see how we embed in the banking app as it goes through I'll just kind of voiceover a kind of few of the key features there we go it's working so the technology is embedded in the in the clients banking app it's a seamless customer experience so the customer doesn't have to move between apps or it changed browser or anything it's API deployment within a matter of weeks and it delivers a modular or end-to-end loyalty capability and what I mean by that is there's the opportunity to be a collection partner but also a burn partner as well and we deliver hyper personalized rewards both in terms of earn and burn opportunities and as well as card linked offers you can see here this is an example within the marketplace you can convert the cash back you've earned to a whole host of different leading partners based on your selections this is where we measure the commercial outcome through actual transactions everything we do within the app is driven by AI and machine learning strengthening segmentation personalization and measurement but don't just take it from me I think the great thing about resolve rewards we've got some fantastic back banking partners both old and new I'm going to talk first to NatWest which is one of our longest-standing banking customers we've had a relationship with them for more than 10 years and I think that shows the the value that we deliver to the program you can read the quote there from lewis i won't go through it verbatim but we combine transaction intelligence digital engagement and relative retail content and as you can imagine the transition that natwest one of the uk's traditional high street banks has been through through digitization over the last 10 years we've been delighted to kind of partner with them during that transformation mashrec is a newer partner for resolve reward For those of you who don't know, it's one of the leading fintechs within the UAE. And we've operated and launched a new program with them through our global partner, Visa. So it's shown really how we can operate and replicate our model at a global scale and how we work with distribution partners such as Visa. Both connect real purchasing behavior and demonstrate enterprise durability, measurable outcomes, and importantly, global scalability. I'm now going to hand over to Shovig. We've heard how Resolve Reward creates commercial value across banking and commerce. Shovig is now going to take us through the underlying AI infrastructure that supports everything that you've heard so far this morning. Thank you very much.