05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.

Bosch Financial Software is now

Automating Decision Rules at MarkOne FinancialBuilding Business Capabilities 2015 – Case Study PresentationACTICO GmbH and MarkOne Financial

Bosch Financial Software is now ACTICO.

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.2 Bosch Financial

Software is now

Speakers

Volker GrossmannHead of Product DevelopmentBosch Financial Software

ACTICO designs, develops, markets, and implements rule-based software solutions and technologies for decision making.

Graduated from University of Furtwangen, Germany with a degree in Computer Science.Founding member of Innovations Software Technology (acquired by Bosch in 2008) and responsible for product development, architecture and technology strategies.

Facts & FiguresLocations: Immenstaad, Germany

Chicago, USA Singapore

Employees: ~ 125Customers: > 100

previously Bosch Financial Software

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.3 Bosch Financial

Software is now

Speakers

Nikhilesh NathChief Information OfficerMarkOne Financial

MarkOne is an automotive finance company in the subprime market that offers competitive loans and finance programs to dealerships for their customers.

Facts & FiguresLocations: Jacksonville, USA

Southern California, USAEmployees: ~ 150Dealers: > 2000

Graduated from Marathwada University, India with a degree in Electronics Engineering.18 years of IT experience in the fields of system implementations, architecture, data encryption, network engineering & consulting.

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.4 Bosch Financial

Software is now

Business & Technical SituationAutomating Decision Rules at MarkOne Financial

Manual Underwriting Process

Underwriters could spend 15-20 minutes reviewing an application

Relied on experienced underwriters due to comprehensive business rules

High potential for human error and slow time-to-market

Time Consuming

Training New Underwriters

Risk & Non-Competitive Position in Market

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.5 Bosch Financial

Software is now

Business & Technical SituationAutomating Decision Rules at MarkOne Financial

Manual Underwriting Process

Underwriters could spend 15-20 minutes reviewing an application

Relied on experienced underwriters due to comprehensive business rules

High potential for human error and slow time-to-market

Time Consuming

Training New Underwriters

Risk & Non-Competitive Position in Market

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.6 Bosch Financial

Software is now

Time ConsumingAutomating Decision Rules at MarkOne Financial

Data Sources

Solution: Automate loan application review process by integrating with external data sources

Vehicle Valuation Sources

Credit Bureaus

• Experian• Equifax• TransUnion• CBCInnovis

Public Records

• Eviction records• Criminal history• Bankruptcy records• Payday loans• Utilities• Insurance• Employment

Vehicle Valuation

• NADA• Kelly Blue Book

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.7 Bosch Financial

Software is now

Time ConsumingAutomating Decision Rules at MarkOne Financial

Direct Service Call

Database Access

• Service calls to external systems• Database access• Import of data models

Solution: Automate loan application review process by integrating with external data sources

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.8 Bosch Financial

Software is now

Business & Technical SituationAutomating Decision Rules at MarkOne Financial

Manual Underwriting Process

Underwriters could spend 15-20 minutes reviewing an application

Relied on experienced underwriters due to comprehensive business rules

High potential for human error and slow time-to-market

Time Consuming

Training New Underwriters

Risk & Non-Competitive Position in Market

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.9 Bosch Financial

Software is now

Training New UnderwritersAutomating Decision Rules at MarkOne Financial

Solution: Transfer written rules into rule models graphically and naturally

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.10 Bosch Financial

Software is now

Training New UnderwritersAutomating Decision Rules at MarkOne Financial

Solution: Transfer written rules into rule models graphically and naturally

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.11 Bosch Financial

Software is now

Training New UnderwritersAutomating Decision Rules at MarkOne Financial

Solution: Transfer written rules into rule models graphically and naturally

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.12 Bosch Financial

Software is now

Business & Technical SituationAutomating Decision Rules at MarkOne Financial

Manual Underwriting Process

Underwriters could spend 15-20 minutes reviewing an application

Relied on experienced underwriters due to comprehensive business rules

High potential for human error and slow time-to-market

Time Consuming

Training New Underwriters

Risk & Non-Competitive Position in Market

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.13 Bosch Financial

Software is now

Risk & Non-Competitive Position in MarketAutomating Decision Rules at MarkOne Financial

Solution: Simulate decisions in a highly-developed test environment and deploy rules with one click

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.14 Bosch Financial

Software is now

Risk & Non-Competitive Position in MarketAutomating Decision Rules at MarkOne Financial

Serv

er

Clie

nt

ModelModeler Rules Modeling Analysis Testing/Simulation Deployment

Team Server Collaboration Rule Repository Build Server

Builder Building Tagging Testing Deployment

Execution Server Rule Execution Statistics

Solution: Simulate decisions in a highly-developed test environment and deploy rules with one click

Manage Build Execute

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.15 Bosch Financial

Software is now

Risk & Non-Competitive Position in MarketAutomating Decision Rules at MarkOne Financial

Solution: Simulate decisions in a highly-developed test environment and deploy rules with one click

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.16 Bosch Financial

Software is now

BenefitsAutomating Decision Rules at MarkOne Financial

With only a 3 day onsite training, users easily developed rules on their own.

Implementation

MarkOne automated nearly all rules, policies and rejections.

Automation

The number of processed applica-tions doubled and response time improved.

Efficiency

IT resources and man power efforts were reduced.

Cost Savings Reuse

MarkOne evolved from a regional lender into a mid-sized national lender.

Company Growth

Rules with 50+ data points integrate into external and internal sources with ease.

Data IntegrationWith Visual Rules at its core, the system ensures consistency in the quality of underwriting.

Consistency

Changes to rules can be tested n a matter of hours and deployed with a click.

Speed

Rules created for initial third party LO system are still in place today.

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.17 Bosch Financial

Software is now

100+ Customers in more than 30+ CountriesACTICO‘s World

100+ clients in30+ countries

Tier 1 banks on 4 continents

Satisfied customers since 1998

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.18 Bosch Financial

Software is now

Bosch Financial Software is now ACTICO

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.

05/02/2023 © ACTICO GmbH, 2016. All rights reserved, also regarding any disposal, exploitation, reproduction, editing, distribution, as well as in the event of applications for industrial property rights.

Bosch Financial Software is now

Tank youPlease stop by booth 419 for more information about this presentation and other offerings or visit our website at www.actico.com