This document describes a new platform called Blue Catalyst that Capgemini and R3 are bringing to market. Blue Catalyst is a distributed blockchain-based platform that enables consent-based sharing of sensitive customer and supplier data to streamline onboarding processes. It allows each legal entity to own and control a digital vault of information and securely share data with consent. This improves traceability, reduces duplication of efforts, and helps ensure compliance with regulations. Use cases discussed include know your customer (KYC) and know your supplier (KYS) onboarding as well as opportunities in supply chain finance.

1. The information contained in this document is proprietary and confidential. Copyright ©2019 Capgemini. All rights reserved.
October 2019
Trusted Data Exchange for Corporate
& Supplier Onboarding
http://www.bluecatalyst.io
Manuel SEVILLA
Chief Digital Officer
VP - Capgemini Business Services
+33680964222
manuel.sevilla@capgemini.com
linkedin.com/in/msevilla/

2. 2© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Capgemini and R3 are joining forces to bring to market a
new platform: Blue Catalyst
200,000+ people worldwide
€13.2 billion revenue in 2018
>1000 FS clients
200+ financial institutions
consortium
250 professionals in 13
countries
Leadership in Enterprise
Blockchain
“Catalyze Trust in Business”
http://www.bluecatalyst.io

3. 3© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
We focus on Onboarding as a key step of any B2B relationship
Starting with two strategic use cases – KYC & KYS
Know Your Customer (KYC)
• KYC refers to the legal obligation for the banks to conduct
a due-diligence process on their corporate clients, mainly
for Anti-Money Laundering, Countering the Financing of
Terrorism & Anti-Bribery and Corruption purposes.
• KYC ask a bank to:
• Identify the customer and verify its identity
• Identify the beneficial owner and verify its identity
• Understand the purpose and nature of the business
relationship
• Conduct ongoing due diligence on the business
relationship
Know Your Supplier (KYS)
• KYS refers to the onboarding process of suppliers by
corporate buyers. It is one of the means to ensure supply
chain continuity and sustainability.
• KYS enables you to:
• Identify an entity
• Understand if you can and should do business with
the entity
• Monitor for suspicious activity
• Understand and optimize exposure to credit,
liquidity, and market risk
• Build processes for operational effectiveness and
compliance with regulations
REGULATION
• Financial Action Task Force (FATF)
• EU Money Laundering Directives
• Markets in Financial Institutions Directives (MiFID)
• US Foreign Account Tax Compliance Act (FATCA)
• OECD Good Practices Guidance
• Sanctions lists
REGULATION
• Foreign Corrupt Practices Act (FCPA)
• UK Bribery Act (UKBA)
• French Loi Sapin 2
• OECD Good Practices Guidance
• US Patriot Act
• EU Money Laundering Directives
• Child Labor & Modern-Day Slavery
CorporateBank SupplierCorporate

4. 4© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Onboarding is a broken process
and a pain for both onboarder & onboardee, putting their business relationship at risk
Source:
1. EACT, Briefing Focus KYC, 2019
2. AFTE Days Feedback
3. Fenergo, Global AML/KYC/Sanctions Fines: 2008 - 2018, 2019
4. SEC, in the matter of Walmart respondent, 2019
Operational risks over
data ownership & control
Need for consent-based sharing of
sensitive data as data ownership and
controls are not well-enforced in data
collection processes
• Sensitive information (passports etc.) is
sent without control2
• Lack of accountability and traceability in
data collection processes2
Problem Reason Example
Regulatory fines keep
the pressure on
Information exchange is not well-traced
making audits & remediations harder,
alongside constantly changing regulations
• $27 billion levied in fines against financial
institutions for AML/KYC sanctions
violations since 20083
• Walmart pays $282m fine in 2019 for
FCPA violations in overseas units4
Operational burden due
to time consuming, costly
& inefficient processes
Redundant manual processes lead to
duplication of efforts and inefficient back-
and-forth between involved parties
• Financial Institutions take 2 months to
never to onboard a new client1
• 25h per week are spent on KYC by
treasurers1

5. 5© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Blue Catalyst: A distributed B2B platform enabling
data sharing for onboarding processes
Streamline processes, realize cost efficiencies &
accelerate time-to-business
Key Benefits
Full ownership & consent-based sharing of data
Ensure full traceability & auditability
Key Features
Direct Outreach
Digital Vault Ownership
End-to-end & Tamper-proof Audit-trail
• Each legal entity owns a digital vault and can upload data & documents in it.
• Each legal entity is a node in the network.
• Each legal entity can connect to another legal entity on the network to share information.
• Each transaction is bilateral, private, consent-based, secured and traced thanks to blockchain
technology.
• Blue Catalyst uses Corda from R3 as enterprise blockchain protocol.
Key Product Considerations

6. 6© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
B L U E C A T A L Y S T
F O R K Y C

7. 7© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Blue Catalyst focuses on data collection and connects to the
bank’s CRM and CLM systems
Client Life Cycle
Management / KYC Suites
Prospection &
Campaigning
Data collection
• Blue Catalyst focuses on Customer Outreach for Data collection
• It integrates through API with CRM & CLM systems of the bank, as well as KYC/CDD Suites and shall not require any
significant modification of current onboarding workflows.

8. 8© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
▪ The bank sends a questionnaire to the
counterparty that contains data & document
requests sorted by sections.
▪ Blue Catalyst enables prefilling of corporate
information by external data providers or
banks, validated by clients.
▪ Under this design, each legal entity is
accountable of the data shared across the
network which can be e-signed by the
accountable person (treasurer or delegates).
▪ Overall data quality is higher by nature as
data is sourced directly from the accountable
legal entity.
Blue Catalyst for KYC (1/2)
CorporateBank
4. Send data &
documents
1. Request for consent
2. Consent to proceed
3. Send request for
Data and documents
Bilateral and secure communication
with complete traceability
Vault
prefilled &
filled by
corporate

9. 9© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Dramatically reducing duplication efforts thanks to a
Taxonomy-driven matching engine
▪ When the counterparty receives a question, Blue Catalyst
can detect from the taxonomy code if this question has
already been answered. It selects previous answer
automatically, thanks to a matching engine.
▪ This process will dramatically reduce duplication efforts
for Corporates, while increasing the quality of the answers
and accelerate time to business.
▪ Treasurers will have to focus on new questions only and
will have the opportunity to send updated information to
their banks.
▪ Banks will also benefit from a unified view of clients
across entities relying on the agreed taxonomy
▪ Different banks can agree to use the same taxonomy and
benefit from the acceleration it brings thanks to
mutualization.
2. Send requested data and
documents
4. Data and document are
automatically matched against
previously sent data & docs and
corporate answers new questions
3. Ask for data and documents
for a new KYC process
Bank 2Bank 1
1. Ask for data and documents
for a KYC process
Bilateral and secure communication
with complete traceability
Corporate

10. 10© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Providing a tamper-proof audit trail of the end-to-end
KYC workflow
▪ On Blue Catalyst, every data
transfer creates a transaction
which is added to the
ledger.
▪ This ledger generates a
complete audit trail that
cannot be tampered.
▪ This audit trail includes for
each transaction a
timestamp, the list of the
actors involved, and a
hashcode to prove which
documents have been used
in the transaction.
▪ It answers the questions :
What/How/When/Who
Corda Enterprise
Blockchain
Taxonomy-based
Translator
User and API
Interface
Blue Catalyst
Onboarding
Request
GTC Signed
Send
Questionnaire
Receive
Questionnaire
Answer
Questionnaire
Bank
Counterparty
Data provider
AML/Sanction
Data Provider
Data Collection
Screening
Natural
Persons
ID&V
KYC Tasks
Legal Entity
Unwrapping
Business Data
Provider
Data Verifier
Receive
Answers
Taxonomy-based Legal Entity ID&V Profile
Web Service & API Endpoints
Bank-specific processes

11. 11© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
B L U E C A T A L Y S T
F O R S U P P L I E R O N B O A R D I N G

12. 12© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Collecting first-hand data directly from accountable sources
▪ The corporate sends a questionnaire to the
supplier that contains data & document requests
sorted by sections.
▪ Blue Catalyst enables prefilling of corporate
information by external data providers.
▪ Under this design, each legal entity is
accountable of the data shared across the
network which can be e-signed by the
accountable person (treasurer or delegates).
▪ Overall data quality is higher by nature as data
is sourced directly from the accountable legal
entity.
SupplierCorporate
4. Send data &
documents
1. Request for consent
2. Consent to proceed
3. Send request for
Data and documents
Bilateral and secure communication
with complete traceability
Vault
prefilled &
filled by
supplier

13. 13© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Blue Catalyst for supplier sourcing and onboarding
Smart automation
E-signature / E-certificate Speed-up procurement process
Traceability & Integrity
▪ During supplier refreshment process, the
procurement teams needs to ensure the suppliers
but also their indirect suppliers respect
contractual and legal obligations (e.g. organic
food, no children at work, security & compliance,
ISO respect …)
▪ Blue Catalyst brings many breakthrough
capabilities:
✓ Requesting Process and forward of the
request to the whole supply chain can be
fully automated
✓ Ability to plan and automate regular
campaigns per type of certification or per Bill
of Material
✓ Forward of certificates initially coming from
certifiers is done digitally and can be fully
automated
✓ The integrity of the certification is proven
with both the audit trail that contains the
whole path and by the signatures of the
certifiers and the suppliers at each step of
the forward process.
Your SuppliersProcurement
Their Certifiers
Their Suppliers
Sourcing Request Certification Request
Bilateral and secure communication
with complete traceability

14. 14© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Blue Catalyst enabling Supply Chain Finance
▪ Blue Catalyst could integrate with current Supply
Chain Finance workflows and feed them with all the
necessary information to support business needs,
thanks to the secure sharing of information between
properly identified actors and to the traceability and
immutability of transaction records in the distributed
ledger.
▪ This verified information can be used for a number
of Supply Chain Finance use cases, such as payable
finance, receivables purchases (factoring, reverse
factoring), loan or advance against receivables, as well
as pre-shipment finance for instance.
▪ Blue Catalyst can support new business opportunities
around Sustainable Supply Chain Finance by
enabling third-party certifiers to connect to the
platform and provide certified information regarding
sustainable performance. This information will be
secured and traced thanks to the distributed ledger
technology.
Supplier
2. Send requested data and
documents
4. Data and document are
automatically matched against
previously sent data & documents
3. Ask for data and documents
BankCorporate
1. Ask for data and documents
Bilateral and secure communication
with complete traceability

15. 15© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
D E M O

16. 16© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
Contacts
Manuel SEVILLA
Chief Digital Officer
VP - Capgemini Business Services
+33680964222
manuel.sevilla@capgemini.com
linkedin.com/in/msevilla/
Abbas ALI
Global Head of Identity & KYC
R3
+44 7496 784318
abbas.ali@r3.com
linkedin.com/in/askabbas/

17. 17© 2019 Capgemini. All rights reserved. The information contained in this document is proprietary and confidential.
This document contains information privileged and confidential and it is property of Capgemini.
The information regarding concepts, ideas, methodologies and others material used are strictly limited to be used by the recipient only in order to evaluate the viability of the project. The total or partial reproduction or copy of this document
shall not be provided to other entities outside the recipient, without previous authorization from Capgemini.
Copyright © 2019 Capgemini. All rights reserved.