Mobility

Adding more efficient and innovative solutions to the world mobility needs

2.8b

35m

Internet users increased from 35m in 1995 to 2.8b in 2015

5.2b

80m

Mobile users increased from 80m to 5.2b in the same period

Technology adoption is driving ubiquitous connectivity

With more of the population having access to mobile

devices than banking services, mobile has

become essential to everyday life

The number of mobile devices has already exceeded the global population

7.9 billion mobile devices[1] 7.35 billion world population[2]

With more of the population having access to mobile devices than banking services,

mobile has become essential to everyday life

>

25.155

93.353

126.557

27.171

2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

Banda ancha fija Banda ancha móvil

Fixed & mobile traffic (million minutes)

17%

18%

31%

36%

38%

54%

61%

77%

80%

20%

22%

30%

18%

19%

26%

19%

15%

11%

63%

60%

39%

45%

43%

20%

20%

8%

9%

Traditional Mobile Messaging

Video Calling

Traditional Fixed Voice Calls

Micro-Blogging

Voice Over Internet

Traditional Mobile Voice Calls

Social Networking

Email

Instant Messaging / Chat

Daily Weekly Monthly or less

Around 4 out of 5 Spanish consumers use Instant Messaging/ Chat once a day or more to communicate with others

use Instant

Messaging daily to

communicate with

others

80%

How often do you use the following ‘communication’ services?

3.507

4.469

783

4.679

1.743

210

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

Banda ancha fija Banda ancha móvil Ingresos SMS

Data lines revenue & messaging revenue (€ million)

Mobile has become essential to the way we do business

By 2020

▪ 90 percent of the populated globe* will have high-speed mobile data coverage

▪ 10 billion global SIM connections

▪ More than 6.1 billion global smartphone subscriptions

▪ Total mobile data traffic expected to rise at a 45% CAGR

More than 165,000 mHealth

apps exist today

Over 27% of global

online transactions are

now on mobile devices

M Commerce Market

worth $467.3 billion

in 2019

By 2017, 30% of travel

sales in the US will be

generated through a mobile

device

Changing the way business is done across

industries

Mobile investment drives business value through four key categories

Increase existing

revenue sources

Create new revenue

sources

Support new business

models

Expand into other industries,

products/service areas

Exceed customer

expectations

Reduce currently

incurred costs

Avoid new

costs

Increase employee

effectiveness

Revenue growthPeople experienceCost controlNew business opportunity

Unprecedented technological, social and regulatory disruption is giving rise to the next

era of business reinvention—with business platforms at its heart

Business platforms

Phase I → Outside-in

Demand for Digital Reinvention™

Changing customer expectations Pervasive interconnectivity

Phase II → Inside-out

New outcomes from data possible with:

Automation Blockchain Artificial Intelligence

Distinct from mass consumer and technology platforms, business platforms combine data,

workflows and expertise to drive competitive advantage

Mass consumer platform

(i.e. Alibaba)

Technology platform

(i.e. ICP, AWS)

Business platform(i.e. CCC)

Business platform

Internal External

DataData

PeopleEnabled professionals

Pools of expertise

ProcessCognitive workflow

Cu

sto

me

rs

Ou

tco

me

s

Multiple such business platforms compose the Cognitive Enterprise

Core business platforms

(i.e. CCC)

owned & operated

Core platform(s) provide key

differentiation

Enabling business platforms

(i.e. we.trade)

supplied

Secondary platforms provide mid-and

back-office support—and may be

supplied by a broader partner

ecosystem of industry players and

third parties

Back-office business platforms

(i.e. AML)

operated

Cutting across the Cognitive Enterprise’s multiple business platforms are common capability

layers, each subject to its own major transformation

The Cognitive Enterprise

Industry platforms

Transaction platforms

Culture SkillsWays of working

Decision processes

Front-office processes

Back-office processes

Artificial Intelligence

Blockchain AutomationInternet of Things

5G

Licensed data

Proprietary data

Public data

Custom LegacyAPI-enabledapplications

Cloud native Digital

Public Private On-premise Security

The Cognitive Enterprise

Culture of agile innovation

…powered by an ecosystem of business platforms

…activated by cognitive-enabled enterprise workflows

…made possible with exponential technologies

…that are fueled by data

…using next-generation applications

…on a secure hybrid multi-cloud infrastructure