CASE STUDY US CREDIT CARD PROVIDER Leading US Credit Card Provider Adopts PaaS Cloud Model © 2013-2015 Unitas 364M CREDIT CARD ACCOUNTS CURRENTLY OPEN IN THE US – American Banking Association Report, 2017 20% OF PEOPLE SAY THEY NEVER CARRY CASH; 46% SAY THEY RARELY OR NEVER USE IT - AmEx Digital Payments Survey, 2017 COUNTERFEIT FRAUD HAS DROPPED 60% IN CASH TERMS SINCE ADOPTION OF CHIP-AND-PIN IN US – Mastercard, 2017 © 2018 Unitas Global Case Study UNITAS CASE STUDY : CREDIT CARD PROVIDER THE CHALLENGEKEY CHALLENGES • Slow time to market for new applications • Outdated processes; outsourcing hampering de v eloper agility , efficiency , and morale • Low overall code quality slowing down development • Large parts of corporate IT infrastructure un- or under- utiliz

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