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Digital Journey: Industry trends and our achievements in recent times
February 2016
Reliance Capital
Confidential Slide 2
This presentation does not constitute a prospectus, an offering circular, an advertisement, a private placement offer letter or offer document or an offer, or
a solicitation of any offer, to purchase or sell any securities under the Companies Act, 2013 and the rules made thereunder, the Securities and Exchange
Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended, or any other applicable law. This presentation should not
be considered as a recommendation that any investor should subscribe for, or purchase, any securities of Reliance Capital Limited or its subsidiaries or
its associates (together, the Company) and should not be used as a basis for any investment decision.
The information contained in this presentation is only current as of its date and has not been independently verified. No representation, warranty,
guarantee or undertaking, express or implied, is or will be made as to, and no reliance should be placed on, the accuracy, completeness or fairness of the
information, estimates, projections and opinions contained in this presentation. The Company may alter, modify or otherwise change in any manner the
contents of this presentation, without obligation to notify any person of such revision or changes.
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current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. These
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forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such
forward-looking statements as a result of various factors and assumptions which the Company believes to be reasonable in light of its operating
experience in recent years. The risks and uncertainties relating to these statements include, but not limited to, risks and uncertainties, regarding
fluctuations in earnings, our ability to manage growth, competition, our ability to manage our operations, government policies, regulations etc. The
Company does not undertake to revise any forward-looking statement that may be made from time to time by or on behalf of the Company. Given these
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Disclaimer
Confidential Slide
Information Technology
Co
nte
nts
Way Forward 3
Predictions & Trends - 2016 and beyond 1
Strategic Predictions for 2016 and Beyond
Internet, Channels, Social, IOT, Virtual Assistants, Big Data
Projects undertaken against the emerging trends - Website modernizations,
Mobile Apps, Private Cloud, Advanced Analytics
Current Trends & Our Journey 2
Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core
Prescriptive Analytics, Hybrid Cloud, Security, Strong Core, User Experience
More Mobile Apps
3
Confidential Slide
Co
nte
nts
Way Forward 3
Predictions & Trends - 2016 and beyond 1
Strategic Predictions for 2016 and Beyond
Internet, Channels, Social, IOT, Virtual Assistants, Big Data
Projects undertaken against the emerging trends - Website modernizations,
Mobile Apps, Private Cloud, Advanced Analytics
Current Trends & Our Journey 2
Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core
Information Technology
Prescriptive Analytics, Hybrid Cloud, Security, Strong Core, User Experience
More Mobile Apps
4
Confidential Slide
0
200
400
600
(in million)
2015 2008 2006 2012 2010 2004 2002 2000 1998 1996 1994 1992 2018
5
Exponential internet explosion
India racing ahead: 550 MN+ internet users by 2018
Over 550 million internet users by 2018
60% will only access the internet through their mobile
Source: Boston Consulting, Accenture
Internet 1
Predictions - 2016 and Beyond 1
20 years for first 100 million users; 2-3 years for second 100 million;
1 - 1.5 years for next three 100 million each
Confidential Slide
40
20
0
100
80
60 7.1%
2.9% 7.2%
22.4%
0.1%
3.5% 0.3% 2.4%
42.0%
2010 2003
3.3%
94.3%
5%
49.0%
15.8%
44.6%
% share of transactions from banking channels
2020 (Base)
Branch
ATM cards
POS (Card)
Call centre
Online
Mobile
Direct
channels
Survey across 14K customers, 50K
bank employees (2011)
In Banking
~0% 3.9% 33% % share of direct
channels
By 2020, Share of transactions on direct channels
to increase from 4% to 33% (Banking)
Source: Boston Consulting,
Channels 2
Predictions - 2016 and Beyond 1
6
Confidential Slide
Social Media Users to Grow by 15% by 2016-17 in India
240 million Internet users in India
106 million active social media users
Today social media banking users are
not even 5% of Active Internet banking
or social network users
By 2016-17, it will grow to 13-15%, so
an exponential growth is expected
Source: Gartner, Boston Consulting
Social 3
Predictions - 2016 and Beyond 1
7
Confidential Slide
One million New IOT devices will be purchased
every hour of every day in 2021
By 2020, 50% and more domestic smart objects
will be able to communicate (directly or
indirectly) with smartphones
By 2018, 6 billion connected things
will be requesting support
By 2018, 2 million employees will be required to wear health and fitness tracking devices
as a condition of employment
Worries about system data will be dwarfed by concerns over personal, behavioral and
health data Source: Boston Consulting, Accenture
Internet of Things (IOT) 4
Predictions - 2016 and Beyond 1
8
Confidential Slide
By 2020, smart agents will facilitate 40% of mobile interactions, and the
post-app era will begin to dominate
Virtual personal
assistants (VPAs) for
workforce productivity
would be on the rise
Cloud services with
open VPA APIs would
grow
The post-mobile / post-app era is coming Virtual Assistants 5
Predictions - 2016 and Beyond 1
9
Source: Gartner
Confidential Slide
Through 2020, Smarter and Faster Business Decisions Will Be a Key Driving Force of IT Innovation.
Big Data Analytics will be embedded
everywhere
IDC predicts that by 2020, 50% of all
business analytics software will include
prescriptive analytics
By 2020, IDC predicts, data monetization
efforts will result in enterprises increasing the
marketplaces consumption of their own data
by 100-fold or more
Also, by 2020, the amount of data that is
worth analyzing will double
Source: IDC, Gartner
Big Data 6
Predictions - 2016 and Beyond 1
10
Confidential Slide
Information Technology
Co
nte
nts
Way Forward
Predictions & Trends - 2016 and beyond
Strategic Predictions for 2016 and Beyond
Internet, Channels, Social , IOT, Virtual Assistants, Big Data
Social, Mobile, Analytics, Cloud, User Experience, Security, Strong Core
Projects undertaken against the emerging trends - Website modernizations, Mobile
Apps, Private Cloud, Advanced Ana