1. Social Graphing Doug Curling New Kent Capital April 2011 Beyond

2. In The Beginning……. There was data about people: - Anecdotal Personal Reference Data -Financial Transaction & Credit Data -Government “Public Record” Data Now the largest and fast growing source of consumer data is self-contributed data --- including social network data !

3. We Built Profiles….. Consumer Credit Files Consumer Marketing Profiles Public Record Dossiers Sometimes we used “snapshots” ----- and sometimes we constructed “rings on a tree” to understand: Is there a Doug ? Are you that Doug ? What kind of person/consumer is Doug ?

4. Now Consumers Are Building Their Own Profiles Unique U.S. Visitors Per Month (12/10) Facebook (153 million) MySpace (50 million) LinkedIn (27 million) Twitter (24 Million) Tumblr (7 million) Formspring (5 million) Source: ComScore Feb 2011

5. So We’re Building New Data Sets….. Search Engine Queries Web Sites Visited Web Shopping Data Web Posting Subjects/Content Time of Day/Tool of Day Interaction Stats Physical Location Data/Metrics Yada Yada Yada

6. And Mapping Connections…..

7. Trying to Figure Out This …..and This…..

8. “Our” Willingness to Reveal has Exploded FACEBOOK asks me what I’m doing……. TWITTER asks me what I’m thinking……. FOURSQUARE asks me where I’m going……. CONCLUSION: The internet is my new boyfriend!

9. How Do We Get Insight From All This New Data ? Strength of Affinity --- not who or what I know --- but instead who or what I give a S#IT about ? Topical Yodas --- the key influencers, by topic, in each consumers network, whose opinion/trends really matters to that consumer ? Behavioral Preferences --- decoding the things a consumer says, does, joins and likes ?

10. So Who’s Doing Interesting New Stuff ?

11. Investigative Due Diligence Matching and time tracking email and social network exchanges between people Tracking escalation in “emotion language” usage Tracking usage of “fine print” language Transitions from written to verbal (ie, cell) exchanges between advisors and friends

12. Social Media FCRA Background Checks

13. Micro Finance Lending Using Facebook/Gmail

14. Ghost Mob Marketing

15. What’s Next for Your Market ? Consumer created and self-managed profiles ? Building new (or transferring old) affinity after rejection ? Mobile marketing, customer enrollment and portfolio management ? A new opportunity for “social” financial partners ?

16. Questions/Discussion