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KPMG and H2 Ventures are excited to present the fourth annual ‘Fintech100’ report which compiles a list of the year’s best fntech +,,-.%/-&0'1&-2'%&-3,)'/4$'5-&6)7
The Fintech100 represents the most innovative companies, creating products and services at the juncture of technology and fnancial services who are seeking to disrupt the existing processes and products that dominate the marketplace, with fntech companies from 29 8-3,/&+$0'1$%/3&+,9'+,'/4+0':$%&;0'!<<7'
The Fintech100 is divided into two sub-lists: (1) the ‘Top 50’ established fntech frms around the globe, which are ranked based on innovation, capital raising activity, size and country; and (2) the ‘Emerging 50’ frms, which are newer companies that are at the forefront of +,,-.%/+.$'/$84,-6-9+$0'%,)'=&%8/+8$0'%,)'-1/$,'=3&03+,9',$5'>30+,$00'2-)$607
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China continues to dominate the fntech landscape, representing 5 of the Top 10 fntech companies in 2017. This follows the trend from =&$.+-30':$%&0*'%0'V4+,$0$'+,832>$,/0'8-,/+,3$'/-'08%6$'5+/4'%'4$%.:'$2=4%0+0'-,'=%:2$,/0'%,)'+,03&%,8$7''MTMU')-2+,%/$0'/4$' Emerging 50, with 29 companies on that list. From an APAC perspective, Australia’s place in the global fntech landscape is also on the rise, 5+/4'!<'8-2=%,+$0'+,'/4$'W+0/7'
B4$'0$8/-&+%6'>&$%O3='-1'/4$'@+,/$84!<<'+0'%0'1-66-50J' Q' "C'6$,)+,9'8-2=%,+$0* Q' C!'=%:2$,/0'8-2=%,+$0*' Q' !G'/&%,0%8/+-,'%,)'8%=+/%6'2%&O$/0' Q' !C'+,03&%,8$'8-2=%,+$0*' Q' P'5$%6/4'8-2=%,+$0* Q' X'&$9/$84'Y'8:>$&'0$83&+/:'8-2=%,+$0* Q' E'>6-8O84%+,'%,)')+9+/%6'83&&$,8+$0'8-2=%,+$0*'%,) Q' "')%/%'%,)'%,%6:/+80'8-2=%,+$07
" " ?4+60/'6$,)+,9'%,)'=%:2$,/0'8-2=%,+$0')-2+,%/$'/4$'C-3,)%&+$07''B-'/4+0'$,)*'>%,O0' and other fnancial institutions must optimise their ‘data assets’ and enhance their capabilities (both internally and through working with fntech companies) in order to defend their existing proft pools and position themselves to explore new market opportunities.
U',$5'/4$2$'54+84'$2$&9$)'1&-2'%,%6:0+0'-1'/4$'8-2=%,+$0'+,'/4$'@+,/$84!<<'+0'-=$,'>%,O+,9'Z')$0+9,$)'/-'1-0/$&'9&$%/$&'$2=-5$&2$,/' of customers (consumer and small business), transparency and levels of competition. Open banking is not just the future of fnancial services; it is the future of commerce itself as open ‘banking’ is just the start – as it progressively extends to other segments of the fnancial 0$&.+8$0'+,)30/&:'%,)'/4$,'>$:-,)*'+,863)+,9'$,$&9:*'/$6$8-223,+8%/+-,0*'$/87''[=$,')%/%'5+66'>$'/4$'8%/%6:0/'1-&'%',$5'=4%0$'-1'$,%>6$2$,/' %,)')+0&3=/+-,*'6$.$&%9+,9'/$84,-6-9:'%,)')%/%'/-'8&$%/$',$5'%,)'+2=&-.$)'=&-)38/0'%,)'0$&.+8$0'1-&'830/-2$&07''[=$,'>%,O+,9'&$936%/+-,' +,'/4$'RS*'M3&-=$*'/4$'R,+/$)'F/%/$0'%,)'U30/&%6+%'+0'/4$'0/%&/'-1'/4+0'84%,9$7'B4+0':$%&;0'@+,/$84!<<'+,863)$0'!G'8-2=%,+$0'/4%/'%&$'0$$O+,9' to be a part of this solution. Founders and CEOs must have the agility and fexibility to adopt a 'plug and play' structure in a race against time %,)'8-2=$/+/-&07'
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?$'8-,9&%/36%/$'/4$'B-='!<'8-2=%,+$0'+,'/4$'@+,/$84!<<'1-&'CLufax online fnancial asset trading company and uses big data to analyse risk P7' S&$)+/$84'3,)$&5&+/$'3,)$&I>%,O$)'830/-2$&0'5+/4+,'0$8-,)0 ]7' Atom Bank is the UK’s frst purely digital retail bank 9. JD Finance uses its e-commerce expertise to provide fnance across seven verticals including consumer fnance, crowd-funding and =%:2$,/'0$&.+8$0 !<7' S%>>%9$'13,)0'02%66'>30+,$00$0'/4&-394'+/0'%3/-2%/$)'6$,)+,9'=6%/1-&2
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We encourage you to visit www.fntechinnovators.com to fnd out more.
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T%6/%'K!N S$,:%'K!N _&%d+6'KCN F+,9%=-&$'KCN Nigeria (2) U30/&%6+%'K! New Zealand (3) G G U>-3/'/4$'6+0/ The Fintech100 is a collaborative efort between H2 Ventures and KPMG and analyses the fntech space globally. The Fintech100 comprises of a 'Top 50' and an 'Emerging 50' and highlights those companies globally that are taking advantage of technology and driving disruption within the fnancial services industry. A judging panel comprised of senior partners from ' H2 Ventures, KPMG and Matchi was used to decide on the fnal composition of the Fintech100 list. !"#$%&'()%* H2 Ventures is one of the emerging thought leaders in fntech venture capital investment around the world. Founded by >&-/4$&0'_$,'%,)'B->:'`$%=*'%,)'>%0$)'+,'F:),$:*'U30/&%6+%*'+/'+,.$0/0'%6-,90+)$'$,/&$=&$,$3&0'%,)'-/4$&'+,.$0/-&0'+,'$%&6:' stage fntech ventures. H2 Ventures is the manager of the H2 Accelerator - Australia’s leading fntech, data and artifcial +,/$66+9$,8$'%88$6$&%/-&7 /01''%)'e`Cfg$,/3&$0'21&3%45&'`C'g$,/3&$0'678%9::3'`C'g$,/3&$0 +,-.#.;:97;#61&'%8< The fnancial services industry is transforming with the emergence of innovative, new products, channels and business 2-)$607'B4+0'5%.$'-1')+0&3=/+-,'+0'=&+2%&+6:')&+.$,'>:'$.-6.+,9'830/-2$&'$A=$8/%/+-,0*')+9+/%6+0%/+-,*'%0'5$66'%0'8-,/+,3$)' &$936%/-&:'%,)'8-0/'=&$003&$07'SaTD'+0'=%00+-,%/$'%>-3/'03==-&/+,9'-3&'86+$,/0'/-'0388$001366:',%.+9%/$'/4+0'84%,9$*' mitigating the threats and capitalising on the opportunities. KPMG’s Global Fintech practice comprises of partners and staf in over 35 fntech hubs around the world, working closely with fnancial institutions and fntech companies, to help them 3,)$&0/%,)'/4$'0+9,%60'-1'84%,9$*'+)$,/+1:'/4$'9&-5/4'-==-&/3,+/+$0'%,)'/-')$.$6-='%,)'$A$83/$'-,'/4$+&'0/&%/$9+8'=6%,07' /01''%)#eSaTD'21&3%45&#SaTD' X 'F$8/-&+%6'>&$%O3=' a%:2$,/0'KC!N #%/%'%,)'U,%6:/+80' B&%,0%8/+-,'%,)' K"N V%=+/%6'T%&O$/0'K!GN W$,)+,9'K"CN ($9/$84'%,)'V:>$&' ?$%6/4'KPN F$83&+/:'KXN _6-8O84%+,'%,)'#+9+/%6' b,03&%,8$'K!CN V3&&$,8+$0'KEN P S$:'`+946+94/0 #=<1&7>#=<1&7# First, second and third place, on this year’s Fintech100, are occupied by Chinese fntech frms. These frms are continuing a trend that is several years in the making and highlights the extraordinary rise of the fntech industry in China. <"' -7B:)#C(&41&@#):(&4*#7&4#1&8)%7*1&@#1&'%)%*'#C):D#&:'79;%#1&E%*':)* Twelve companies on the Fintech100 have raised over US$100M, notably ZhongAn’s USD1.5B &%+0$'+,'8-,L3,8/+-,'5+/4'+/0'&$8$,/'ba['-,'/4$'`-,9'S-,9'F/-8O'MA84%,9$7'g$,/3&$'+,.$0/-&0'+,' @+,/$84'8-2=%,+$0'+,863)$i'F$j3-+%'V%=+/%6*'b,)$A'g$,/3&$0*'@-3,)$&0'@3,)'%,)'^'V-2>+,%/-&*' /-9$/4$&'5+/4'0/&%/$9+8'+,.$0/-&0'0384'%0'D-6)2%,'F%840*'T-&9%,'F/%,6$:*'T%0/$&V%&)'%,)' U2$&+8%,'MA=&$007 ] S$:'`+946+94/0 <]' Data is the core of fntech business models Data is the lifeblood of any fnancial institution; and will be a critical foundation for the successful adoption of any advanced analytics and artifcial intelligence. The vast majority of companies in the Fintech100 are using data, analytics and artifcial intelligence to fuel their business models. 09' L1*)(A':)*#8:&'1&(%#':#*'7&4#:('#1&#'<%#D7)3%'# Disruptive fntech continue to dominate the Top 50, which are those companies that are radically changing their industry paradigm for all players and competing directly with fnancial institutions. `-5$.$&*'/4$'+2=-&/%,8$'-1'h$,%>6$&0;'K8-2=%,+$0')$.$6-=+,9'_C_'0-63/+-,0'%,)'5-&O+,9'5+/4' fnancial institutions) has remained steady. This year’s Fintech100 features 27 that are 'enablers' Z'5-&O+,9'%8&-00'>%,O+,9*'+,03&%,8$'%,)'5$%6/4'2%,%9$2$,/7' !<' MA%a&31&@#7):(&4#'<%#0:);4# Some of the most exciting enablers are working with the largest banks and fnancial services frms in the world. Increasingly, these companies are adopting 'plug-and-play' models. Open banking &$936%/+-,'+,'/4$'RS*'M3&-=$*'/4$'R,+/$)'F/%/$0'%,)'U30/&%6+%'4%0'>$$,'%'2%L-&'8%/%6:0/'1-&'/4+0' 84%,9$7'B4+0':$%&;0'@+,/$84!<<'+,863)$0'!G'8-2=%,+$0'0$$O+,9'/-'>$'%'=%&/'-1'/4+0'0-63/+-,7'' 9 9 B4$'!<< !"#$%&'()* ('.# +*, U,/'@+,%,8+%6 /0 +,2 F$83&$S$:'B$84,-6-9+$0 +4 +.) g+.%'($=3>6+8% 11 +*- ZhongAn // +,3 0-6%&+0_%,O +5 +.0 ?$W%> 12 +*. k3)+%,'Kk31$,j+N /+ +-* U):$, +6 +.1 d+=T-,$: 13 +*/ [08%& /, +-, Afrm ,0 +.2 (-,9"X< 14 +*) U.%,/ /1 +-- ($.-63/ ,/ +.3 @3/3&$'@+,%,8$ 15 +*0 W31%A /2 +-. V6-.$&'`$%6/4 ,+ +/* V-+,>%0$ 16 +*1 S&$)+/$84 /3 +-/ a&-0=% ,, +/, W$%93$ 20 +*2 U/-2'_%,O /4 +-) [3&V&-5) ,1 +/- a304=%: 2/ +-0 iZettle ,2 g$&/%%M,0+,'KV-2=%&$' +*3 c#'@+,%,8$ /5 +/. M3&-=$D&-3=N 2+ +,* S%>>%9$ /6 +-1 G!H+,:-,9O%'K3G!78-2N ,3 +// U1/$&a%:'B-384 2, +,, F-@+ +0 +-2 [,#$8O ,4 +/) W$,)+A 21 +,- Nubank +/ +-3 ?$%6/4F+2=6$ ,5 +/0 W$,)+,9'V63> 22 +,. @3,)+,9'V+&86$ ++ +.* V+&86$ ,6 +/1 S3$0O+ 23 +,/ S6%&,% +, +., #+%,&-,9 10 +/2 D3+%_-60- 24 +,) Fj3%&$ +1 +.- F=-/8%= 1/ +/3 +5-8% 25 +,0 H$&- +2 +.. W$,)+,9O%&/ 1+ +)* (->+,4--) 26 +,1 F/&+=$ +3 +./ H%=- 1, !< F:2>-60'MA=6%+,$) ! How many staf work at the company 7 `-5'6%&9$'+0'/4$'>30+,$00' Is the company enabling existing fnancial services?' 'Is the company disrupting fnancial services?' V-2=%,+$0'/-'5%/84'+,'/4$'8-2+,9':$%&0' 45"6'%&'()* ('.# U).+8$(->- 30 `:=$&'U,,% 44 (%+0+, 61 U+2_&%+, 3/ b>%,@+&0/ 45 (+>: 62 U+&5%66$A 3+ +:d+8- 46 F%/+0=%: 63 U6%, 3, S$,04- 50 F$,0+>+66 64 U3/-D&%.+/: 31 S&$)H 5/ F4$&=% 65 _%,j$& 32 W$,)+1: 5+ F+6$,/] 66 _-&&-5$66 33 W$.$&+0 5, F-V%04 /00 _3) 34 W:)+% 51 F/%04 /0/ V%=+/%6'@6-%/ 35 T%8&-.3$ 52 B4$/%(%: /0+ V4$&&+'B$84*'b,87 36 T-,$:T$'@+,%,8+%6'D&-3= 53 B+8JB-8 /0, V6%&O'D$&2%,:'D2>` 40 T-,$:/&$$ 54 B-O$, /01 V-.$&D$,+30 4/ Neo Growth 55 B&30-,%'b,87 /02 V-.$&?%66$/ 4+ Neyber 56 g%6+%,/ /03 Creamfnance 4, a%:@+/ 60 gUB_-A /04 V3..% 41 a6:,O 6/ ?%.$ /05 @63//$&5%.$'b,8 42 a-8O+/ 6+ Zaveapp /06 D&%00(--/0'_+2% 43 k-,/- 6, (7#8#$9#:;<$;'=(&'"#9<>'=;?7:#7 !!!! lD-.$&,2$,/0*'+,/$&,%/+-,%6'+,0/+/3/+-,0'%,)'=&+.%/$'8-2=%,+$0'04%66'6--O'1-&'%'8-22-,'0-63/+-,'/-' advance technology innovations for digital inclusive fnance.” - Lucy Peng V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U,/'@+,%,8+%6'+0'&$8-9,+0$)'%0'%'96->%6'6$%)$&'+,'/4+&)I B%96+,$' V%/$9-&:'' =%&/:'=%:2$,/0*'>$9+,,+,9'+/0')-2+,%/+-,'-1'/4$' _&+,9'02%66'%,)'>$%3/+136' a%:2$,/0 =%:2$,/0'5-&6)'%0'hU6+=%:;7'b/0'1-830'+0'-,'30+,9'%,'-=$,' 84%,9$0'/-'/4$'5-&6) [5,$&04+='' source ecosystem to provide fnancial services to small W-8%/$)'' a&+.%/$ $,/$&=&+0$0'%,)'+,)+.+)3%607'V3&&$,/6:*'+/'+0'&$0=-,0+>6$' V4+,% (%,O'W%0/'^$%&'' 1-&'%'=%:2$,/0'$2=+&$'%,)'&3,0'>30+,$00$0'+,863)+,9' ^$%&'@-3,)$)'' %,O+,9'%,)'86-3)'8-2=3/+,9'0$&.+8$07 F+d$ V4%+&N 7(7(7(7(7 ?$>0+/$'' Notable Investors M,%>6$&'m'#+0&3=/-& 5557%,/9&-3=78-2 U6+>%>%*'V4+,%'b,.$0/2$,/'V-&='KVbVN*'VV_'B&30/*'V4+,%' W+1$*'V4+,%'a-0/'D&-3=*'V4+,%'#$.$6-=2$,/'_%,O'V%=+/%6*' Primavera Capital Group, National Social Security Fund (NSSF) !C “Today, technology and the internet are changing the world in a profound way… As the frst fntech company to list in Hong Kong, ZhongAn will give more confdence to other players in this ecology.” - Chen Jin V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ ZhongAn is an online property insurance play, specialising B%96+,$' V%/$9-&:'' +,'/4$'30$'-1'>+9')%/%'/-'%3/-2%/$'3,)$&5&+/+,9'%,)' B%+6-&$)'b,03&%,8$ b,03&%,8$ 86%+20'=&-8$00$0*')$0+9,'%,)'/%+6-&'=&-)38/0*'%,)'8&$%/$' W-8%/$)'' [5,$&04+='' =&$8+0+-,'2%&O$/+,9'8%2=%+9,0'%,)'&+0O'2%,%9$2$,/' V4+,% a3>6+8 0/&%/$9+$07'B4$'8-2=%,:'+0'%'L-+,/'.$,/3&$'>$/5$$,' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' U6+>%>%'D&-3='`-6)+,9*'B$,8$,/'`-6)+,90'%,)'a+,9'U,' C&-%)'/%&9$/' V4$,'c+,'KVM[N*'H3'?$+' !!!!! 2%&O$/*'%8&-00'%66'$8-,-2+8'9&-3=07 ' KV[[N*'c+%,9'H+,9'KVB[N F+d$ Notable Investors ?$>0+/$'' 7(7(7(7(7 5557d4-,9%,78-2 U,/'@+,%,8+%6*'B$,8$,/'`-6)+,9*'a+,9'U,'b,03&%,8$'D&-3=' M,%>6$&'m'#+0&3=/-& V-7*'F-1/_%,O'D&-3=*'V#`'b,.$0/2$,/0*'T-&9%,'F/%,6$:*' VbVV*'FUb@'a%&/,$&0 !"!" <" k3)+%,'Kk31$,j+N “We are Number 1 of virtual credit card account[s] in China." - Luo Min V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Qufenqi ofers smartphones, laptops and other B%96+,$' V%/$9-&:'' 8-,032$&'$6$8/&-,+80')$.+8$0'/-'0/3)$,/0'%,)' Zero down payment W$,)+,9 =&-1$00+-,%60'+,'V4+,%'-,'2-,/46:'+,0/%62$,/'=6%,07' +,0/%662$,/0 [5,$&04+='' Customers can fexibly chose from a range of down W-8%/$)'' a&+.%/$ =%:2$,/'-=/+-,0'%,)'/+2$'=$&+-)07'k31$,j+'/%&9$/0' V4+,% (%,O'W%0/'^$%&'' 0/3)$,/0'%,)':-3,9'=&-1$00+-,%607 ^$%&'@-3,)$)'' !E lb'/4+,O'5$'4%.$'%,'->6+9%/+-,'/-'2%O$'03&$'=$-=6$'%&$'8-.$&$)'%9%+,0/'4$%6/48%&$'8-0/07'U'/4+&)'-1'%66' =$&0-,%6'>%,O&3=/8+$0'3,/+6'%>-3/'C V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ [08%&'+0'/4$'>&%+,84+6)'-1'RF'/$84,-6-9:'%,)'4$%6/48%&$' B%96+,$' V%/$9-&:'' $A=$&/0*'0$$O+,9'/-'/&%,01-&2'/4$'83&&$,/'0/%/$'-1'/4$'RF' F+2=6$'4$%6/4'+,03&%,8$*' b,03&%,8$ 4$%6/48%&$'0:0/$27'B4$'=&-)38/'30$0'>+9')%/%'/-'&$+,.$,/' 02%&/'4$%6/4'8%&$7 [5,$&04+='' 4$%6/4'8%&$'2%,%9$2$,/'%,)'86%+20'=&-8$00+,9'+,'%,' W-8%/$)'' a&+.%/$ efort to increase transparency and reduce the cost of R,+/$)'F/%/$0 (%,O'W%0/'^$%&'' 4$%6/48%&$7'B4$'/$%2'>$4+,)'[08%&'$2=4%0+0$'0+2=6$*' ^$%&'@-3,)$)'' <" 02%&/'%,)'1&+$,)6:'4$%6/48%&$'%0'/4$+&'=&-)38/'2+00+-,7 C6$&'m'#+0&3=/-& T%,%9$2$,/'V-2=%,:*'D-6)2%,'F%840*'D--96$' ?$>0+/$'' g$,/3&$0'%,)'D--96$'V%=+/%6 55574+-08%&78-2 !G “What does Avant want to do? It wants to lower the costs and barriers for borrowing. And we’re focused on consumers specifcally, but over time, we really want to focus broader than that.” - Al Goldstein V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U.%,/'30$0'>+9')%/%'%,)'2%84+,$I6$%&,+,9'%69-&+/420' B%96+,$' V%/$9-&:'' to ofer highly customised, streamlined credit. It is one a$&0-,%6'W-%,0'n'[,6+,$'W-%,0 W$,)+,9 -1'/4$'1%0/$0/I9&-5+,9'6$,)+,9'2%&O$/=6%8$0'%,)'+0' W-8%/$)'' [5,$&04+='' 0$$O+,9'/-'6-5$&+,9'/4$'>%&&+$&0'/-'>-&&-5+,9'1-&'$.$&:)%:' R,+/$)'F/%/$0 a&+.%/$ 8-,032$&0'%8&-00'%'&%,9$'-1'2%&O$/'0$92$,/07 ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' C%6*'g+8/-&:'a%&O'V%=+/%6*'D$,$&%6' U6'D-6)0/$+,'KVM[mV-I !!!!! Atlantic, KKR & Co, Jeferies ' @-3,)$&N*'c-4,'F3,'KVV[m F+d$ Co-Founder), Paul Zhang 7(7(7(7(7 KVB[mV-I@-3,)$&N' M,%>6$&'m'#+0&3=/-& ?$>0+/$'' 5557%.%,/78-2 !X “If you look at the US today, about 20%of the money is invested outside [of the country]. 25 years ago, it was 5%. China today may be 3-5%, but in the next fve to 10 years, it could become 20% and that will become a huge opportunity... We want to be in the position to serve that demand.” - Gregory Gibb V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ “Lufax” (Shanghai Lujiazui International Financial Asset B%96+,$' V%/$9-&:'' Exchange) is China’s largest internet fnance company, ?$%6/4'2%,%9$2$,/' V%=+/%6'T%&O$/0 %,)'+0'-,$'-1'/4$'5-&6);0'6$%)+,9'-,6+,$'2%&O$/=6%8$0'1-&' =6%/1-&2*'+,.$0/2$,/'%,)' [5,$&04+='' the trading of fnancial assets. Its key play is in the use of fnancing a&+.%/$ >+9')%/%'%,)'bB'/$84,-6-9+$0'/-'1-&236%/$'%).%,8$)'&+0O' W-8%/$)'' (%,O'W%0/'^$%&'' %00$002$,/'2-)$60'%,)'+2=6$2$,/'&+0O'8-,/&-6'0:0/$207 V4+,% !P “We are a German technology company which, through its products in diferent markets – mainly emerging markets – ofers lending to private customers” - Alexander Graubner-Müller V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Delivering a broad scope of fnancial services with B%96+,$' V%/$9-&:'' %'1-830'-,'0$&.+,9'96->%6'8-,032$&0*'S&$)+/$84'+0'%' Banking. Redefned. Digital W$,)+,9 6$%)+,9'/$84,-6-9:'8-2=%,:7'B4$'>30+,$00'%)-=/0'>+9' W-8%/$)'' [5,$&04+='' data, proprietary algorithms and automated workfows D$&2%,: a&+.%/$ /-'%8j3+&$*'+)$,/+1:'%,)'%00+0/'830/-2$&0'5+/4+,'04-&/' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' /+2$'1&%2$07'F$61I6$%&,+,9'%69-&+/420'03==-&/'/4$' C%0/+%,' F+d$ #+$2$&'KV-I@-3,)$&N*'($,$' Notable Investors 7(7(7(7(7 D&+$2$,0'KV@[mV-I@-3,)$&N a%:R*'(%O3/$,*'b,/$&,%/+-,%6'@+,%,8$'V-&=-&%/+-,*'c7V7' M,%>6$&'m'#+0&3=/-& ?$>0+/$'' @6-5$&0'Y'V-7*'g+8/-&+%'a%&O'V%=+/%6*'go&)$'a%&/,$&0*' 5557O&$)+/$8478-2 S&$-0'V%=+/%6*'D6->%6'@-3,)$&0'V%=+/%6*'_632>$&9'V%=+/%6 !] <] U/-2'_%,O l[6)'6$9%8:'=&-8$00$0'/4%/'%&$'+,0/+/3/+-,%6+0$)'%/'/4$'/&%)+/+-,%6'>%,O0'0+2=6:')-,;/'$A+0/'%/'U/-2' because we’ve built this bank from scratch,we can ofer mortgages that are great value, and a service that is fast, informative and transparent.” - Mark Mullen V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Atom Bank ofers a new experience on the app platform as a B%96+,$' V%/$9-&:'' )+9+/%6'>%,O+,9'0:0/$27'B4$'a&3)$,/+%6'($936%/+-,'U3/4-&+/:' B4$'13/3&$'-1'>%,O+,9*' W$,)+,9 4%0'%3/4-&+0$)'/4$'_%,O'+,'8-,L3,8/+-,'5+/4'/4$'@+,%,8+%6' %.%+6%>6$'/-)%: [5,$&04+='' V-,)38/'U3/4-&+/:'&$936%/+-,7'_%0$)'+,'/4$'RS*'5+/4-3/'%,:' W-8%/$)'' a&+.%/$ =4:0+8%6'>&%,84$0*'30$&0'8%,'8-,)38/'/4$+&'>%,O+,9'0$&.+8$0' R,+/$)'S+,9)-2 (%,O'W%0/'^$%&'' .+%'/4$+&'=4-,$'-,'%'CEmP'>%0+07 ^$%&'@-3,)$)'' 19 09 c#'@+,%,8$ “As CEO, who says that the customer always comes frst, you yourself have to be the most loyal customer, and you should experience the service of your own company all the time.” - Richard Liu V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ JD Finance aims to improve the efciency of the B%96+,$' V%/$9-&:'' fnancial services sector by moderating and managing c#'@+,%,8$'D&-3= W$,)+,9 &+0O0*'-=$&%/+,9'0$.$,'O$:'>30+,$00')&+.$&0J'F3==6:' W-8%/$)'' [5,$&04+='' chain fnance, consumer fnance, crowd-funding, V4+,% a&+.%/$ 5$%6/4'2%,%9$2$,/*'=%:2$,/'0$&.+8$0*'+,03&%,8$*' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' %,)'0$83&+/+$0'0$&.+8$07'b/0'0$&.+8$0'+,863)$'c+,9_%->$+' C%+'K5$%6/4'2%,%9$2$,/'0$&.+8$0N7'B4$' (+84%&)'W+3'KVM[mV4%+&2%,N !!!!! 8-2=%,:;0'/%&9$/'830/-2$&0'+,863)$'$,/$&=&+0$0'%,)' ' 8-,032$&07 ?$>0+/$'' F+d$ 5557L)78-2 7(7(7(7(7 Notable Investors M,%>6$&'m'#+0&3=/-& T+8&-0$$&*'`3+1$,j+*'[2,+'a&+2$'b,87*'T$+6+'c+,&-,9 C< !< S%>>%9$ lF+,8$'5$'>$9%,'=&-.+)+,9'13,)+,9'+,'C+66+-,'/-'!<<*<<<'02%66'>30+,$00$0' %8&-00'/4$'R7F7'B-')%/$*'-3&'830/-2$&0'4%.$'8-,,$8/$)'2-&$'/4%,'!7E'2+66+-,')%/%'0-3&8$0'/-'/4$' Kabbage Platform to receive an automated decision and rapid access to capital.” - Kathryn Petralia V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ S%>>%9$'+0'%'RF'>%0$)'/$84,-6-9:'8-2=%,:'/4%/' B%96+,$' V%/$9-&:'' provides a means for small businesses t fnd capital. @3,)':-3&'_30+,$007'B-)%:p W$,)+,9 Online funding solutions are delivered in a fexible and W-8%/$)'' [5,$&04+='' /+2$6:'2%,,$&'>%0$)'-,')%/%'&$.$50'54+84'$,%>6$'%' R,+/$)'F/%/$0 a&+.%/$ )$$=$&'3,)$&0/%,)+,9'-1'>30+,$00'=$&1-&2%,8$'%,)' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' -=$&%/+-,07 C<<] !P S$:'a$-=6$'' Staf Notable Investors (->'@&-45$+,'KVM[mV-I !!!!! F-1/_%,O*'($8&3+/'F/&%/$9+8'a%&/,$&0*'_63$(3,'g$,/3&$0*' ' @-3,)$&N*'T%&8'D-&6+,'KV-I F%,/%,)$&'b,,-g$,/3&$0*'B4-2.$0/'g$,/3&$0*'RaF' F+d$ @-3,)$&N'S%/4&:,'a$/&%6+%' Strategic Enterprises, ING Group, Yuan Capital, 7(7(7(7(7 KV[[mV-I@-3,)$&N ($.$&$,8$'V%=+/%6'a%&/,$&0*'F8-/+%>%,O M,%>6$&'m'#+0&3=/-& ?$>0+/$'' 5557O%>>%9$78-2 C! !! F-@+ "SoFi's platform - equal parts technology, community, and exceptional customer experience - is rapidly transforming personal fnance." - Mike Bingle, Board Member V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ F-@+'%00+0/0'8-,032$&0*'0384'%0'$%&6:'0/%9$' B%96+,$' V%/$9-&:'' professionals, with their fnancing options across a Great Rates. Great Benefts W$,)+,9 &%,9$'-1'6$,)+,9'-=/+-,0'%,)'0/&38/3&$0J'0/3)$,/'6-%,' W-8%/$)'' [5,$&04+='' refnancing, mortgages, and personal loans. SoFi’s R,+/$)'F/%/$0 a&+.%/$ 3,8-,.$,/+-,%6'%==&-%84'5+/4'3,)$&5&+/+,9'8-,0+)$&0' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' %88-3,/'2$&+/*'$2=6-:2$,/'&$8-&)0'%,)'%'0$&+$0'-1'-/4$&' C6$'/-'=-0+/+.$6:'+2=%8/'0-8+%6'9&-3=0'%,)'/4$'>&-%)$&' ' MA$83/+.$'V4%+&2%,N*'F/$.$,' 8-223,+/:'54+6$'%60-'9%+,+,9'%//&%8/+.$'&%/$0'-1'&$/3&,7 F+d$ @&$+>$&9'Kg+8$'V4%+&2%,m' 7(7(7(7(7 b,/$&+2'V@[N Notable Investors M,%>6$&'m'#+0&3=/-& ?$>0+/$'' (aT'g$,/3&$0*'(FV'V%=+/%6*'F-1/_%,O*'B4+&)'a-+,/' www.sof.com g$,/3&$0*'F+6.$&'W%O$'a%&/,$&0*'#VT'g$,/3&$0*'?$66+,9/-,' T%,%9$2$,/*'F-1/_%,O*'($,&$,'b,87 CC !C Nubank “There is a fear about entering the fnancial services market in a country like Brazil, which has a lot of complicated regulations. That presents an opportunity for Nubank to come in and make a mark.” I'#%.+)'g$6$d V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Nubank adopts a mobile phone application that controls B%96+,$' V%/$9-&:'' +/0'-5,'=6%/+,32'T%0/$&8%&)'8&$)+/'8%&)*'=&-.+)+,9'%' R,6+O$'%,:/4+,9':-3'4%.$'$.$&' a%:2$,/0 0$%26$00'%,)'0+2=6$'0=$,)+,9'$A=$&+$,8$7'?+/4'!< C"C" !" @3,)+,9'V+&86$ lW$%&,+,90'/4%/'5$'9$/'+,'-,$'2%&O$/'-,'2%&O$/+,9'-&'&+0O*'5$'8%,'.$&:'j3+8O6:'/&%,06%/$'+,/-'-/4$&' 2%&O$/07'U,)'+/'8&$%/$0'%'&$%66:'>+9*'%//&%8/+.$'=&-=-0+/+-,'1-&'0%:'6%&9$'+,03&%,8$'8-2=%,+$0'54-')-,;/' necessarily want to go to lots and lots of platforms and lend through them.” - Samir Desai V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ @3,)+,9'V+&86$'%+20'/-'/&%,01-&2'/4$'-3/)%/$)'>%,O+,9' B%96+,$' V%/$9-&:'' 0:0/$2'%&-3,)'/4$'5-&6)*'5+/4'=&$0$,8$'+,'/4$'RS*'RF*' _30+,$00'@+,%,8+,9 W$,)+,9 Germany, Spain and the Netherlands. With a focus on W-8%/$)'' [5,$&04+='' small businesses, Funding Circle ofers a marketplace- R,+/$)'S+,9)-2 a&+.%/$ >%0$)'=6%/1-&2'1-&'+,.$0/-&0'/-'>&-50$'8&$)+/I%00$00$)' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' >30+,$00$0'/4%/'4%.$'>$$,'%==&-.$)'1-&'6$,)+,97'[,8$' C30+,$00'/-'6$,)'/-*'/4$'%2-3,/'-1'2-,$:'/4$:' F%2+&'#$0%+'KVM[mV-I !!!!! 5+04'/-'6$,)*'%,)'/4$'+,/$&$0/'&%/$'/4$:'5%,/'/-'$%&,7 ' @-3,)$&N*'V4&+0/+%,'D&->$' F+d$ KV-I@-3,)$&N*'c%2$0' Notable Investors 7(7(7(7(7 T$$O+,9'KT#mV-I@-3,)$&N #FB'D6->%6*'(-8O$/'b,/$&,$/*'R,+-,'Fj3%&$'g$,/3&$0*' M,%>6$&'m'#+0&3=/-& ?$>0+/$'' F%,)0'V%=+/%6'g$,/3&$0*'U88$6'a%&/,$&0*'B$2%0$O'`-6)+,90*' 555713,)+,98+&86$78-2 Index Ventures, Baillie Giford, British Business Bank CE !E S6%&,% lS6%&,%'4%0'=6%:$)'%'&-6$'+,')+0&3=/+,9'=%:2$,/0'0$&.+8$0'1-&'/4$'>$//$&'%,)',-5'%0'%'8-,032$&I-&+$,/$)*' product driven and technology intensive bank, we have the tools to drive change in retail banking. ” - F$>%0/+%,'F+$2+%/O-50O+ V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ S6%&,%'+0'%'6$%)+,9'M3&-=$%,'=&-.+)$&'-1'$I8-22$&8$' B%96+,$' V%/$9-&:'' =%:2$,/'-=/+-,'54+84')+0/+,93+04$0'=%:$&0'1&-2' F+2=6+1:+,9'_3:+,9 a%:2$,/0 >3:$&07'B4+0'%66-50'>3:$&0'/-'=%:'1-&'=&$I-&)$&$)'+/$20' W-8%/$)'' [5,$&04+='' 3=-,'-&'=-0/'&$8$+=/'54+84'8%,'8&$%/$'%'0%1$&'%1/$&I F5$)$, a&+.%/$ delivery payment solution. Klara is particularly efective ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' +,'%>0-&>+,9'%66'8&$)+/'%,)'1&%3)'&+0O'1-&'-,6+,$'0/-&$0*' C< CGCG !G Fj3%&$ “It’s (proftability) always something we are driving towards but we want to make sure that we have a good balance between driving proft and investing in the company. ” - Jack Dorsey V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Fj3%&$'03==-&/0'>30+,$00$0'1&-2'%'&$9+0/$&'+,'-,$;0' B%96+,$' V%/$9-&:'' =-8O$/'/-'&$=-&/0'-,'/4$+&'6%=/-=7'B4$'/$84,-6-9:' V%&)'=%:2$,/0'2%)$'0+2=6$7 a%:2$,/0 +,/$9&%/$0'%'1366'=-+,/'-1'0%6$'%6-,90+)$'/--60'1-&'$.$&:' W-8%/$)'' [5,$&04+='' 8-2=-,$,/'-1'-=$&%/+,9'%'>30+,$00'0384'%0'+,.$,/-&:' R,+/$)'F/%/$0 a3>6+8 management and fnancing options. Two products ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' +,863)$'Fj3%&$'V%04*'54+84'$,%>6$0'$%0:'2-,$:' 2009 !" /&%,0%8/+-,0*'%,)'Fj3%&$'[&)$&*'%'2$%,0'-1'=&$I-&)$&+,9' S$:'a$-=6$'' Staf %,)'=+8O+,9'3='1--)'%,)')&+,O07 c%8O'#-&0$:'KVM[mV4%+&2%,m !!!!!' V-I@-3,)$&N Notable Investors F+d$ ?$>0+/$'' DDg'V%=+/%6*'DbV*'U88$00'B$84,-6-9:'g$,/3&$0*'F%==4+&$' 7(7(7(7(7 55570j3%&$3=78-2 g$,/3&$0*'F-d-'g$,/3&$0*'D-6)2%,'F%840*'F+6+8-,'g%66$:' M,%>6$&'m'#+0&3=/-& _%,O*'T-&9%,'F/%,6$:*'_%&86%:0'b,.$0/2$,/'_%,O CX !X H$&- l?$'%&$'9-+,9'/-')-'$.$&:/4+,9'5$'8%,'/-'&$)38$'6-5'.%63$'%88-3,/+,9'5-&O'/-'1&$$'3='/+2$'1-&'=$-=6$'/-' drive growth strategies for their business customers. And we are unapologetic about that.” - Rod Drury V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ H$&-'+0'%'86-3)I>%0$)'%88-3,/+,9'0-1/5%&$'>30+,$00' B%96+,$' V%/$9-&:'' /4%/'$,%>6$0'02%66'>30+,$00$0'/-'%)-=/'%,'$%0:I/-I30$' _$%3/+136'%88-3,/+,9'0-1/5%&$ U88-3,/+,9 =6%/1-&27'B4$'0-1/5%&$'$,%>6$0'=$-=6$'/-'8-,,$8/'5+/4' W-8%/$)'' [5,$&04+='' $%84'-/4$&'-,'%,:')$.+8$*'%/'%,:'6-8%/+-,*'%/'%,:'/+2$*'5+/4' New Zealand a3>6+8 %,:',32>$&0'%,)')+93&$07'H$&-'>3+6)0'%'/&30/$)',$/5-&O' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' -1'%88-3,/%,/0'%,)'>--OO$$=$&0'%,)'0/&$,9/4$,0' C< CPCP !P F/&+=$ lb/;0'&$%66:'$%0:'1-&'/$84,-6-9:'8-2=%,+$0'-,8$'/4$:;.$'&$%84$)'%'2-)+832'-1'0388$00'/-'1$$6'.$&:' satisfed and rest on their laurels. You have to continue to earn that success year after year after year." - c-4,'V-66+0-, V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Stripe ofers a means of accepting payments online and B%96+,$' V%/$9-&:'' +,'2->+6$'%==0*'3/+6+0+,9'>%,O'%88-3,/0'1&-2'6-8%6'%,)' B4$',$5'0/%,)%&)'+,'-,6+,$' a%:2$,/0 +,/$&,%/+-,%6'8%&)07'b/'%)-=/0'%'1&+$,)6:'%==&-%84'%,)' =%:2$,/0 [5,$&04+='' =&-8$00$0'>+66+-,0'-1')-66%&0'=$&'%,,32*'0$&.+,9'/4-30%,)0' W-8%/$)'' a&+.%/$ -1'8-2=%,+$0'%8&-00'%'>&-%)'&%,9$'-1'0+d$07'F/&+=$'1-830$0' R,+/$)'F/%/$0 (%,O'W%0/'^$%&'' -,'%00+0/+,9')$.$6-=$&0*'2%O$&0'%,)'8&$%/-&07'_:'1%8+6+/%/+,9' ^$%&'@-3,)$)'' C! 1&+8/+-,6$00'/&%,0%8/+-,0*'F/&+=$'%))&$00$0'%'=&->6$2' C6$0'30$&0'/-' ' c-4,'V-66+0-,'KV-I@-3,)$&N*' 1-830'-,'>3+6)+,9'9&$%/'=&-)38/07 F+d$ a%/&+8O'V-66+0-,'KV-I@-3,)$&N 7(7(7(7(7 ?$>0+/$'' Notable Investors M,%>6$&'m'#+0&3=/-& 55570/&+=$78-2 V%=+/%6D*'D$,$&%6'V%/%6:0/*'F$j3-+%'V%=+/%6*'Fj3%&$'a$9' V%=+/%6*'S6$+,$&'a$&O+,0'V%=+/%6*'a6%:1%+&'V%=+/%6*'a%3%' g$,/3&$0*'g+0%*'U2$&+8%,'MA=&$00*'@-3,)$&0'@3,)*'a$/$&' B4+$6*'V4&+0'#+A-,*'M6%)'D+6*'M6-,'T30O*'^'V-2>+,%/-&*'Fg'U,9$6 C] !] F$83&$S$:'B$84,-6-9+$0 l?$'O,-5'+,'+)$,/+/:'%,)'%//&+>3/$'04%&+,9'+/'4%0'/-'>$'/4%/'0+2=6$'/-'30$*'>3/'+1'5$'8%,'2%O$'+/'/4%/'0+2=6$' and hew to privacy … and higher in security, then it’s going to be the envy of the world.” - Greg Wolfond V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Headquartered in Toronto, SecureKey simplifes consumer B%96+,$' V%/$9-&:'' %88$00'/-'%,)'30$'-1'-,6+,$'0$&.+8$0'%,)'%==6+8%/+-,07' _3+6)+,9'/&30/$)'+)$,/+/:' ($9/$84 B4$'F$83&$S$:'V-,8+$&9$'F$&.+8$s'+0'%'0-=4+0/+8%/$)*' ,$/5-&O0 [5,$&04+='' =&+.%8:I$,4%,8$)',$/5-&O'1-&'8-,,$8/+,9'=$-=6$'/-' W-8%/$)'' a&+.%/$ -,6+,$'0$&.+8$0'30+,9'%,'$0/%>6+04$)*'/&30/5-&/4:')+9+/%6' V%,%)% (%,O'W%0/'^$%&'' credential with recognised means of identity confrmation ^$%&'@-3,)$)'' EC %,)'%3/4$,/+8%/+-,7 C0+/$'' g$,/3&$'a%&/,$&0*'Vb_V'V%=+/%6'a%&/,$&0*'_T['V%=+/%6' M,%>6$&'m'#+0&3=/-& 55570$83&$O$:78-2 Markets Corp., TD Bank, Bank of Nova Scotia, Desjardins g$,/3&$'V%=+/%6 29 19 0-6%&+0_%,O “Only if you grow quickly and across borders will you be able to make it in this business. As a frst mover, we have an advantage.” - Dr. Roland Folz V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ 0-6%&+0_%,O'-=$&%/$0'%0'%,'UabI%88$00+>6$'>%,O+,9' B%96+,$' V%/$9-&:'' >30+,$00*'3,)$&'%'D$&2%,'>%,O+,9'6+8$,0$'/-'%))&$00' _%,O+,9'1-&'/4$'#+9+/%6' W$,)+,9 /4$',$$)0'-1'/4$')+9+/%6'$8-,-2:7'B4$'a6%/1-&2'8&$%/$0' M8-,-2: [5,$&04+='' 830/-2+0$)'0-63/+-,0'/-'%00+0/'%,)'$2=-5$&'0/%&/3=0*' W-8%/$)'' a&+.%/$ fntechs and established digital companies to solve their D$&2%,: (%,O'W%0/'^$%&'' fnancial needs. Supporting the growth of the digital ^$%&'@-3,)$)'' M2$&9+,9'8-2=%,: $8-,-2:'+0'%'O$:'8-2=-,$,/'-1'0-6%&+0_%,O;0'.+0+-,7 C$-'8%=+/%6*'@+,W$%= 7(7(7(7(7 @-3,)$&N*'T%&O-'?$,/4+,' KV-I@-3,)$&N M,%>6$&'m'#+0&3=/-& ?$>0+/$'' 55570-6%&+0>%,O7)$ "< C< U):$, lU):$,'+0'%'0+,96$'0-63/+-,'Z'%,)'5$'>3+6)'$.$&:/4+,9'+,I4-30$*'5+/4'-,$'=6%/1-&2'/4%/'5-&O0'$,)I/-I$,)*' so that no transactional data is lost.” - Pieter van der Does V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U):$,'+0'%,'+,,-.%/+.$'=6%:$&'+,'/4$'=%:2$,/0'+,)30/&:' B%96+,$' V%/$9-&:'' 54+84'=&-.+)$0'%).%,8$)'0-63/+-,0'/-'-.$&'"*G<<' ?4$&$.$&'=$-=6$'=%: a%:2$,/0 830/-2$&07'B4$'=6%/1-&2'$,%>6$0'96->%6'=%:2$,/' W-8%/$)'' [5,$&04+='' /&%,0%8/+-,0'0/&$%26+,$)*'+2=&-.+,9'830/-2$&' Netherlands a&+.%/$ $A=$&+$,8$*'+2=&-.+,9'=&-8$00$0'%,)'36/+2%/$6:' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' $,4%,8+,9'>30+,$00'=$&1-&2%,8$7'T->+6$'%,)'a-+,/I C< "! C! Afrm “Our mission is to fx the inherently broken model. The future of credit is not a traditional card, it’s a 2-)$&,'%=='/4%/'=3/0'8-,032$&0'+,'8-,/&-6*'4$6=+,9'/4$2'30$'8&$)+/'0+2=6:'%,)')$6+>$&%/$6:'54+6$'9+.+,9' them more confdence over their fnancial lives.” - Max Levchin V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Afrm is recreating core components of fnancial B%96+,$' V%/$9-&:'' +,1&%0/&38/3&$'+,'%'8&$%/+.$'%,)'>-//-2I3='5%:7'B4$' a%:'-.$&'/+2$*'-,':-3&'/$&20 W$,)+,9 %+2'+0'/-'+2=&-.$'/4$'6+.$0'-1'$.$&:)%:'8-,032$&0'5+/4' W-8%/$)'' [5,$&04+='' a more afordable and transparent means of accessing R,+/$)'F/%/$0 a&+.%/$ fnancial products. Instalment loans are available to ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' consumers at the point of sale, creating greater fexibility C6$'>%0$)'-,'&+0O0'+,'&$%6'6+1$7 T%A'W$.84+,'KVM[N !!!!!' Notable Investors ?$>0+/$'' F+d$ www.afrm.com Lightspeed Ventures, Khosla Ventures, Jeferies, 7(7(7(7(7 U,)&$$00$,'`-&-5+/d*'F=%&O'V%=+/%6*'@-3,)$&0'@3,)*' M,%>6$&'m'#+0&3=/-& T-&9%,'F/%,6$: "C CC ($.-63/ l?$;)'&%/4$&'/&:'/4$,'1%+6'&%/4$&'/4%,'5%+/*'%,%6:0$*'/4+,O*'/4$,')-,;/')-'%,:/4+,97'B4$&$'+0'%'9--)'=4&%0$J' paralysis through analysis. We are not these type of people.” - Nikolay Storonsky V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Revolut ofers a global money app that operates at 0% B%96+,$' V%/$9-&:'' 8-22+00+-,'5+/4'/4$'>$0/'$A84%,9$'&%/$0*'$,8-3&%9+,9' ^-3&')+9+/%6'>%,O+,9'%6/$&,%/+.$ a%:2$,/0 30$&'$A=$,)+/3&$'%&-3,)'/4$'96->$7'W%3,84$)'+,'C0+/$'' Mastercard Start Path, Point Nine Capital 7(7(7(7(7 5557&$.-63/78-2 M,%>6$&'m'#+0&3=/-& "" C" V6-.$&'`$%6/4 l?$'4%.$'=$-=6$'8%66+,9'30'3='5%,/+,9'/-'9+.$'30'/4$'&$036/0'-1'/4$+&'T(b'08%,0ta$-=6$'5%,/'/-'04%&$'/4$+&' data because they know it can help.” - Vivek Garipalli V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ V6-.$&'`$%6/4'4%0'>$8-2$'%'O$:'=6%:$&'+,'/4$'4$%6/4' B%96+,$' V%/$9-&:'' +,03&%,8$'0=%8$*'/%O+,9'-,'=&$.$,/%/+.$'8%&$'%,)')%/%' Medicare done diferently b,03&%,8$ %,%6:0+0'/-'%00+0/'/4$'$6)$&6:'%,)'/4$+&'1%2+6+$07'B4$' W-8%/$)'' [5,$&04+='' business ofers a more afordable option to customers R,+/$)'F/%/$0 a&+.%/$ 5+/4'%'9&$%/$&'.%63$'=&-=-0+/+-,7 ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' C-3&'gV*'U/4:&+3' g+.$O'D%&+=%66+'KV-I@-3,)$&N*' !!!!! V%=+/%6'T%,%9$2$,/'Wa*'@+&0/'(-3,)'V%=+/%6*'?+6)8%/' ' S&+0'D%6$'KV-I@-3,)$&N g$,/3&$'a%&/,$&0*'F$j3-+%'V%=+/%6*'U&$,%'g$,/3&$0*' F+d$ ?$>0+/$'' F322+/'U8/+-,*'F-8+%6'V%=+/%6*'UTM'V6-3)'g$,/3&$0*' 7(7(7(7(7 555786-.$&4$%6/478-2 @W[[#DUBM*'D&$$,-%O0'V%=+/%6*'V%0)+,'V%=+/%6*' M,%>6$&'m'#+0&3=/-& Refactor Capital, Nexus Venture Partners, Expanding V%=+/%6*'Dg*'V-%6$08$,8$'a%&/,$&0 "E CE a&-0=% l?$'5-36)'6+O$'-3&'=&-)38/'/-'>$'%.%+6%>6$'+,'%,:'$8-0:0/$2'54$&$'02%66'>30+,$00'830/-2$&0'%&$' operating, and we want to make fnancial support available to them when they decide to grow and innovate their businesses.” - Beau Bertoli V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Prospa is an Australian leader in online lending, ofering B%96+,$' V%/$9-&:'' unsecured business loans and fnance for small _30+,$00'6-%,0'2%)$'$%0: W$,)+,9 >30+,$00$07'W-%,0'3,)$&'\C "G CG [3&V&-5) l?$;&$'%',$A/'9$,$&%/+-,'8&-5)I13,)+,9'-&'+,.$0/+,9'=6%/1-&27'?$;&$'/&:+,9'/-'%66-5'=$-=6$'/-'%88$00' innovation easily. Innovation is important to everybody.” - Jon Medved V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ [3&V&-5)'=&-.+)$0'%,'$j3+/:'8&-5)13,)+,9'=6%/1-&2' B%96+,$' V%/$9-&:'' 1-&'%88&$)+/$)'+,.$0/-&0'/-'%88$00'%,)'+,.$0/'+,'b0&%$6+' U'>$//$&'5%:'/-'+,.$0/'+,'b0&%$6+' V&-5)'@3,)+,9 8-2=%,+$0'%0'5$66'%0'-/4$&'>30+,$00$0'1&-2'%&-3,)'/4$' 0/%&/3=0 [5,$&04+='' 5-&6)7'B4$'2%,%9$2$,/'/$%2'4%0'%'&+84'>%8O9&-3,)'+,' W-8%/$)'' a&+.%/$ +,.$0/2$,/*'6$)'>:'/4$'0$&+%6'$,/&$=&$,$3&'c-,'T$).$)7' b0&%$6 (%,O'W%0/'^$%&'' OurCrowd identifes opportunities, invests its own capital ^$%&'@-3,)$)'' !] %,)'8&$%/$0'%'>&+)9$'>$/5$$,'0/%&/3=0'/-'%,'%88&$)+/$)' C-%&)'0$%/0N'+0'%60-'=&-.+)$)'/-'=-&/1-6+-'8-2=%,+$07 7(7(7(7(7 KV4%+&2%,mV-I@-3,)$&N M,%>6$&'m'#+0&3=/-& ?$>0+/$'' Notable Investors 5557-3&8&-5)78-2 Zack Miller, Robert Citron, Gadi Mazor, Steven Blumgart, a+,+'W-d-5+8O*'b0&%$6'F$$)'a%&/,$&0*'U6/%'_$&O$6$:'g$,/3&$' Partners, Jay Kalish, Elan Zivotofsky, David Arnovitz, U,)&$5'`$:$&*'R,+/$)'[.$&0$%0'_%,O "X CX iZettle “We’re proud to receive this stamp of approval from the EIB. It’s the type of ofer you can’t refuse and it will allow us to further accelerate our growth and continue to level the playing feld for small businesses, giving them access to tools to take on the big corporations.” - Jacob de Geer V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ iZettle allows credit card users to access a mobile B%96+,$' V%/$9-&:'' =%:2$,/'0-63/+-,'.+%'/4$+&'02%&/=4-,$'-&'/%>6$/'%/' U88$=/'8&$)+/'8%&)'=%:2$,/0' a%:2$,/0 a more cost efcient level. iZettle includes business 5+/4':-3&'+a4-,$*'+a%)'-&' [5,$&04+='' %,%6:/+80'%,)'+,0+94/0'%,)'%'2->+6$'8%&)'&$%)$&*'%00+0/+,9' U,)&-+) a&+.%/$ 2$&84%,/0'+,'2%,%9+,9'%,)'+2=&-.+,9'/4$+&'>30+,$00$07' W-8%/$)'' (%,O'W%0/'^$%&'' F5$)$, "G Notable Investors ^$%&'@-3,)$)'' Staf b,)$A'g$,/3&$0*'FM_'a&+.%/$'Mj3+/:*'T%0/$&8%&)*' C'#$'D$$&'KVM[m M3&-=$%,'b,.$0/2$,/'_%,O 7(7(7(7(7 Founder), Magnus Nilsson KV[[m@-3,)$&N M,%>6$&'m'#+0&3=/-& ?$>0+/$'' 5557+d$//6$78-2 "P"P CP G!H+,:-,9O%'K3G!78-2N “U51.com has more than 70 million users and 30 million monthly active credit card bills.” - Sun Haitao V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ RG!78-2'%00+0/0'30$&0'/-'>$//$&'2%,%9$'/4$+&'8&$)+/' B%96+,$' V%/$9-&:'' 8%&)'>+660'.+%'%'2->+6$'%==6+8%/+-,7'b/'%60-'=&-.+)$0'5$%6/4' G!78-2'+0'%'=6%/1-&2'1-830$)' W$,)+,9 2%,%9$2$,/'=&-)38/0*'-,6+,$'6-%,'%==6+8%/+-,0'%,)' -,'=&-.+)+,9'0-8+%6',$/5-&O' [5,$&04+='' -/4$&'=$&0-,%6'8&$)+/I>%0$)'0$&.+8$0'+,'%'4-6+0/+8'2%,,$&' %==6+8%/+-,'0$&.+8$07 a&+.%/$ /-'>$//$&'0$&.$'/4$+&'830/-2$&'>%0$7 W-8%/$)'' (%,O'W%0/'^$%&'' V4+,% New to the list Notable Investors ^$%&'@-3,)$)'' Staf T$&+)+%,'V%=+/%6'V4+,%*'DDg'V%=+/%6*'c#78-2*'F43,5$+' C0+/$'' M,%>6$&'m'#+0&3=/-& 55573G!78-2 "] C] [,#$8O l?$'5+66'$2=-5$&'02%66'>30+,$00$0'+,'/4$',$A/')$8%)$'/-'%84+$.$'/4$+&'9-%60'5+/4'/4$'1%0/$0/'%,)'2-0/' fexible credit solutions in the market.” - Noah Breslow V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ OnDeck creates a simpler, faster and more efcient B%96+,$' V%/$9-&:'' >-&&-5+,9'=&-8$00'1-&'02%66'>30+,$00$0'+,'U30/&%6+%*'/4$' F2%66'>30+,$00'6-%,0'%,)' W$,)+,9 RF'%,)'V%,%)%7'[,#$8O'1%8+6+/%/$0'8-,,$8/+-,0'>$/5$$,' fnancing [5,$&04+='' 8%=+/%6'%,)'>30+,$00$0'%8&-00'/4$'2%+,'0/&$$/0'Z'0384' W-8%/$)'' a3>6+8 %0'&$0/%3&%,/0*'&$/%+6$&0'%,)'-/4$&'0$&.+8$'=&-.+)$&07' R,+/$)'F/%/$0 (%,O'W%0/'^$%&'' #%/%'%99&$9%/+-,'%,)'$6$8/&-,+8'=%:2$,/'/$84,-6-9:' ^$%&'@-3,)$)'' "< are adopted to break down the fnancial health of small C< 30+,$00$0'%,)'8&$%/$'-==-&/3,+/+$0'1-&'/4$2'/-'%88$00' S$:'a$-=6$'' !!!!! /4$'&$j3+&$)'8%=+/%67' ' Noah Breslow (CEO) F+d$ Notable Investors ?$>0+/$'' 7(7(7(7(7 5557-,)$8O78-2 S4-06%'g$,/3&$0*'F%==4+&$'g$,/3&$0*'@-&/&$00' M,%>6$&'m'#+0&3=/-& b,.$0/2$,/'D&-3=*'D-6)2%,'F%840*'bga*'a$/$&'B4+$6*'Dg*' b,)30/&:'g$,/3&$0*'#$3/084$'_%,O*'@-3,)%/+-,'V%=+/%6*' B+9$&'D6->%6'T%,%9$2$,/*'V&$)+/'F3+00$ 39 29 ?$%6/4F+2=6$ “It used to be that unless you had a lot of money, you couldn’t get access to really great fnancial tools and advice. So that meant lots of people - and younger folks in particular, weren’t being served by the fnancial services industry. We are making great investment advice accessible to everyone.” - Michael Katchen V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ ?$%6/40+2=6$'+0'%'&%=+)6:'9&-5+,9'-,6+,$'+,.$0/2$,/' B%96+,$' V%/$9-&:'' manager that allows investing in a simple, cost efective b,.$0/'+,'@3/3&$'^-3 ?$%6/4 %,)'%88$00+>6$'2%,,$&7'a$&0-,%6+d$)'=-&/1-6+-0'-1' W-8%/$)'' [5,$&04+='' diversifed, low-fee, ETFs are created for each client, V%,%)% a&+.%/$ %,)'%3/-2%/+-,'/$84,-6-9+$0'%&$'3/+6+0$)'/-'2%,%9$'%,)' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' maintain them. Wealthsimple also ofers an on-demand C&%,)7' T+84%$6'S%/84$,'KVM[m !!!!!' @-3,)$&N Notable Investors F+d$ ?$>0+/$'' V4&+0/+%,'W%00-,)$*'c-$'V%,%.%,*'b2=&$00+-,'g$,/3&$0*' 7(7(7(7(7 55575$%6/40+2=6$78-2 (-9$&'T%&/+,*'#%.+)'[00+=*'a-5$&'@+,%,8+%6'V-&=-&%/+-, M,%>6$&'m'#+0&3=/-& E< "< V+&86$ “When’s the last time you sent a ‘cross-border email’? The idea of cross-border payments is going to 8-2=6$/$6:'9-'%5%:7'777'[3&'.+0+-,'+0'1-&'/4$&$'/-'>$',-')+0/+,8/+-,'>$/5$$,'+,/$&,%/+-,%6'%,)')-2$0/+8' payments.” - Jeremy Allaire V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ V+&86$'=&-.+)$0'%,'%==6+8%/+-,'1-&'30$&0'/-'/%O$'3=' B%96+,$' V%/$9-&:'' =%:2$,/'/--60'1-&'_+/8-+,'%,)'-/4$&')+9+/%6'83&&$,8:' a%:'1&+$,)0'K%,)'9$/'=%+)N'5+/4' #+9+/%6'V3&&$,8+$0 0$&.+8$07'V+&86$'+0'5-&O+,9'/-'&$.-63/+-,+0$'8-,032$&' %,'$2%+6'-&'/$A/7'@&$$p [5,$&04+='' fnance for users (e.g. businesses and charities) by W-8%/$)'' a&+.%/$ )$=6-:+,9'0+2=6$*'1&$$'/$84,-6-9:'1-&'0/-&+,9'%,)'30+,9' R,+/$)'F/%/$0 (%,O'W%0/'^$%&'' 2-,$:7'B4&-394'V+&86$;0'2->+6$'%==0*'=$-=6$'%8&-00'/4$' ^$%&'@-3,)$)'' C< 96->$'%&$'%>6$'/-'/&%,01$&'2-,$:*'5+/4'9&$%/$&'$%0:'%,)' C%6')+9+/%6'2-,$:'/&%,01$&07 F+d$ Chairman), Sean Neville 7(7(7(7(7 Ka&$0+)$,/'-1'a&-)38/'%,)' Notable Investors [=$&%/+-,0mV-I@-3,)$&N M,%>6$&'m'#+0&3=/-& D$,$&%6'V%/%6:0/*'_%+)3*'a%,/$&%'V%=+/%6*'[%O'b,.$0/2$,/' ?$>0+/$'' a%&/,$&0*'D-6)2%,'F%840*'_--2F/%&/3=*'U88$6'a%&/,$&0 55578+&86$78-2 E!E! "! #+%,&-,9 lB4$'=$-=6$'54-'L-+,'30'1&-2'/4$'>%,O0')-'0-'-,8$'/4$:'9$/'/-'O,-5'4-5'/4$'>%,O+,9'0$8/-&'&$%66:'5-&O07' B4$,'/4$:'0/%&/'/-'6-0$'4-=$'/4%/'/4$:;66'$.$&'9$/'/-'84%,9$'/4+,90'%/'%'>%,O'Z'0-'/4$+&'-,6:'4-=$'+0'/-'L-+,' us. But if you want a stable life in China, go ahead and join a bank.” - Kevin Guo V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ #+%,&-,9')$0+9,0'%,)'830/-2+d$0'6$,)+,9'=&-)38/0'%,)' B%96+,$' V%/$9-&:'' 0$&.+8$0'5+/4'/4$+&'0-=4+0/+8%/$)'+,1&%0/&38/3&$*'1%8/-&+,9' The New Finance. For W$,)+,9 in industry-specifc data and insights. Online risk- >-&&-5$&07'@-&'6$,)$&07'@-&' [5,$&04+='' 2%,%9$2$,/'%,)'-=$&%/+-,'/--60'%&$'O$:'8-2=-,$,/0' :-37 a&+.%/$ of the product and service oferings. These oferings W-8%/$)'' (%,O'W%0/'^$%&'' +,863)$'6-%,'-&+9+,%/+-,0*'+,.$0/2$,/'=&-)38/0*'%,)' V4+,% New to the list marketplace lending solutions. Dianrong has 28 ofces ^$%&'@-3,)$)'' Staf %8&-00'V4+,%'%,)'-&+9+,%/$0'RF\G<<'2+66+-,'+,'2-,/46:' C%6'T%,%9$2$,/*'F/%,)%&)'V4%&/$&$)'_%,O*'DbV @-3,)$&N M,%>6$&'m'#+0&3=/-& ?$>0+/$'' 5557)+%,&-,978-2 EC "C F=-/8%= “Technological progress will continue to transform the fnancial sector. I’m certain that collaboration between fntech companies and traditional fnancial institutions will give this transformation an additional boost and be mutually benefcial for both parties.” - Toby Triebel V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ `$%)j3%&/$)'+,'_$&6+,'5+/4'-=$&%/+-,0'+,'F=%+,*'/4$' B%96+,$' V%/$9-&:'' Netherlands and Australia, Spotcap is a multinational online _30+,$00'6-%,0'2%)$'$%0: W$,)+,9 lender that ofers innovative solutions for small and medium W-8%/$)'' [5,$&04+='' 0+d$)'>30+,$00$07'F2%66'>30+,$00'6-%,0'5+/4'.%63$0'1&-2' D$&2%,: a&+.%/$ \!*<<<'/-'\CG<*<<<'8%,'>$'/%O$,'3=*'$,%>6+,9'02%66'>30+,$00' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' -5,$&0'-1'-.$&'-,$':$%&'/-'$A=%,)'%,)')$.$6-='/4$+&' C:'B&+$>$6'KVM[mV-I !!!!!' @-3,)$&N*'c$,0'?-6-0d8d%O' Notable Investors F+d$ KV[[mV-I@-3,)$&N `g'`-6/d>&+,8O'g$,/3&$0*'U88$00'b,)30/&+$0*'(-8O$/'b,/$&,$/*' 7(7(7(7(7 ?$>0+/$'' S&$-0'V%=+/%6*'@+,0/%&'@+,%,8+%6'D&-3=*'`$%&/6%,)'_%,O M,%>6$&'m'#+0&3=/-& 55570=-/8%=78-2 E" "" W$,)+,9O%&/ lB$84,-6-9:'4%0'>$$,'/4$'>%8O'>-,$'-1'%66'5$')-'%/'W$,)+,9O%&/'D&-3='%0'5$'8-,0/%,/6:'+,,-.%/$'/-5%&)0' a more seamless and automated loan disbursal process.” - Harshvardhan Lunia V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W$,)+,9O%&/'D&-3='0$&.$0'$,/&$=&$,$3&0'>:'%66-5+,9' B%96+,$' V%/$9-&:'' them to easily access working capital fnance options, B4+,O'V%04*'B4+,O'' W$,)+,9 $6+2+,%/+,9'-&'&$)38+,9'/4$+&'8-,8$&,0'-&'5-&&+$0'%>-3/' W$,)+,9O%&/'D&-3=p [5,$&04+='' cash fow gaps. Big data analysis and technology tools W-8%/$)'' a&+.%/$ create a more efcient and efective way of evaluating b,)+% (%,O'W%0/'^$%&'' one’s credit worthiness, subsequently ofering other ^$%&'@-3,)$)'' C" &$6%/$)'0$&.+8$07'U'=-/$,/+%6'86+$,/'8%,'4%.$'/4$+&'8&$)+/' C$'%&&%,9$)'%0'5-&O+,9'8%=+/%67' F+d$ V-I@-3,)$&N*'T3O36'F%84%,' 7(7(7(7( 7 KV[[mV-I@-3,)$&N Notable Investors M,%>6$&'m'#+0&3=/-& ?$>0+/$'' Shailesh Mehta, Mayfeld Fund, Saama Capital, Ashvin 55576$,)+,9O%&/78-2 V4%)4%*'_$&/$602%,,'b,)+%'b,.$0/2$,/0*'#%&&+,'V%=+/%6' T%,%9$2$,/*'b,)+%'k3-/+$,/*'U,+83/'V%=+/%6*'^$0'_%,O*' F+0/$2%'U0+%'@3,) EE "E H%=- lb1'5$'%66')-'-3&'L->0'5$66*'%,:-,$'+,'/4$'5-&6)'04-36)'>$'%>6$'/-'9$/'>+/8-+,0'%,)'/-'1&$$6:'O$$=*'0$,)*'-&'30$' them without relying on intermediaries.” - Wences Casares V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ H%=-'%66-50'30$&0'/-'=3&84%0$*'$A84%,9$*'2%,%9$*'0/-&$' B%96+,$' V%/$9-&:'' %,)')$=6-:'/4$+&'>+/8-+,07'B4$'=&-)38/*'H%=-'?%66$/*' _+/8-+,'?%66$/'Y'g%36/ #+9+/%6'V3&&$,8+$0 +0'%'5%:'/-'2%,%9$'%,)'4-6)')%+6:'0=$,)+,9'54+6$'/4$' W-8%/$)'' [5,$&04+='' H%=-'g%36/'0%1$6:'O$$=0'%66'/4$'0/-&$)'>+/8-+,07'B4+0'+0' F5+/d$&6%,) a&+.%/$ 8-2=$66+,9'1-&'/4$'/%&9$/'9&-3='%0'/4$'H%=-'?%66$/'4%0' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' d$&-'1$$0*'8&-00I>-&)$&'%88$00*'/+2$6+,$00'%,)'8%,'>$' C+/8-+,')$>+/'8%&)'+,'/4$'5-&6)N7'#%/%'0/-&$)'&$2%+,0' ?$,8$0'V%0%&$0'KVM[m !!!!! 0$83&$*'$,8&:=/$)*'0$9&$9%/$)'%,)'>%8O$)'3='5+/4' ' @-3,)$&N*'@$)$&+8-'T3&&-,$' $A/$&,%6')&+.$0'%,)'=%=$&7 F+d$ KV[[m@-3,)$&N 7(7(7(7(7 ?$>0+/$'' Notable Investors M,%>6$&'m'#+0&3=/-& 5557A%=-78-2 @-&/&$00'b,.$0/2$,/'D&-3=*'_$,842%&O*'b,)$A'g$,/3&$0*' D&$:6-8O'a%&/,$&0 EG "G g+.%'($=3>6+8% lB4$&$;0'%'/$,)$,8:'+,'S-&$%'1-&'.$&/+8%6'2%&O$/0'/-'8-,0-6+)%/$'/-'-,$'-&'/5-'/-='=6%:$&07'B-')-2+,%/$' our market position we will be rapidly developing and rolling out complimentary fnancial services for mobile that have been proven in other markets.” - SeungGun Lee V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ g+.%'($=3>6+8%'V-'W/)7')$.$6-=0'0-8+%6',$/5-&O+,9' B%96+,$' V%/$9-&:'' %==6+8%/+-,07'g+.%'($=3>6+8%;0'O$:'2->+6$'%==6+8%/+-,' B4$'0+2=6$0/'&$2+//%,8$ a%:2$,/0 called “Toss” ofers fund transfer and payment services W-8%/$)'' [5,$&04+='' .+%'%''aCa'2-)$6*')+&$8/6:'0$&.+,9'8-,032$&0'%,)' S-&$% a&+.%/$ merchants. Before Toss, users required fve passwords ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' %,)'%&-3,)'"P'86+8O0'/-'/&%,01$&'\!<7'?+/4'B-00*'30$&0' C0+/$'' M,%>6$&'m'#+0&3=/-& a%&/,$&0*'a%:a%6*'B$O/-, 5557/-007+2 EX "X ?$W%> “I sought to empower our customers with faster, cheaper and more convenient access to fnancial 0$&.+8$07'B-')-'0-*'5$'8&$%/$)'%'2->+6$'6$,)+,9'$A=$&+$,8$0'54+84'%66-50'830/-2$&0'/-'->/%+,'%88$00'/-' credit through a few simple taps on their personal mobile devices.” - Simon Loong V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ ?$W%>;0'2+00+-,'+0'/-'+,,-.%/$'/&%)+/+-,%6'8&$)+/'0$&.+8$0'+,' B%96+,$' V%/$9-&:'' -&)$&'/-'>$//$&'0$&.$'8-,032$&0'5+/4'%'84$%=$&*'1%0/$&'%,)' ?$'%&$'>3+6)+,9'0-2$/4+,9' W$,)+,9 2-&$'4%006$I1&$$'5%:'-1'>-&&-5+,9'2-,$:7'?$W%>;0'6$,)+,9' &$.-63/+-,%&: [5,$&04+='' =6%/1-&20'%&$'=-5$&$)'>:'?$#$1$,)*'/4$'8-2=%,:;0' W-8%/$)'' a&+.%/$ =&-=&+$/%&:'&+0O'2%,%9$2$,/'/$84,-6-9:*'54+84'8-2>+,$0' V4+,% (%,O'W%0/'^$%&'' 2%84+,$'6$%&,+,9*'>+9')%/%'/$84,-6-9+$0*'%,)'3,0/&38/3&$)' ^$%&'@-3,)$)'' "" )%/%'/-')$6+.$&'%'0/&$%26+,$)'&+0O'2%,%9$2$,/'%,)' C+6$'=4-,$07' ' F+2-,'W--,9'KVM[mV-I F+d$ @-3,)$&N*'S$66:'?-,9'KV[[m Notable Investors 7(7(7(7(7 V-I@-3,)$&N Access Industries, Sequoia Capital, Shou Zi Chew, M,%>6$&'m'#+0&3=/-& ?$>0+/$'' ICONIQ Capital, Yuri Milner, TOM Group Limited, Ule, 55575$6%>78- Lakestar, ING Group, Guangdong Technology Financial Group, Khazanah Nasional, ING Bank EP "P d+=T-,$: l?$;)'6-.$'/-'=%&/,$&'5+/4'%66'/4$'>%,O0'54$&$'5$'0$$'+/'2%O$0'0$,0$7'@-&'30*'-3&'%2>+/+-,0'%&$'2384' more broad. They are really around the full suite of fnancial services products for millennials. But at the same time, the banks are sitting on great infrastructure that we can access.” - Larry Diamond V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ zipMoney is a credit provider with a point-of-sale ofering B%96+,$' V%/$9-&:'' /4%/'$6+2+,%/$0'/4$'8-,.$,/+-,%6',$$)'1-&'8%04'-&'8&$)+/' _3:',-5*'=%:'6%/$&7'b,/$&$0/' a%:2$,/0 8%&)07'U,'+,/$&$0/I1&$$'=$&+-)'-1'%/'6$%0/'"'2-,/40'+0' 1&$$7'R='/-'\!<*<<< [5,$&04+='' %//&%8/+.$*'0+2=6$'%,)'8-,.$,+$,/'1-&'30$&07 W-8%/$)'' a3>6+8 U30/&%6+% (%,O'W%0/'^$%&'' Notable Investors ^$%&'@-3,)$)'' New to the list Victory Park Capital, FIIG Securities, National Australia C0+/$'' 7(7(7(7(7 5557d+=2-,$:6+2+/$)78-27%3 M,%>6$&'m'#+0&3=/-& E] "] (-,9"X< "The ‘360’ in the name refers to the commitment to provide users a 360-degree, all-around fnancial information platform." - Ye Daqing V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Rong360 provides fnancial searches of fnancial B%96+,$' ?$>0+/$'' =&-)38/0'/-'8-,032$&0'%,)'02%66'>30+,$00$0'%0'V4+,%;0' @+,%,8+%6'=&-)38/'&$0$%&84' 5557&-,9"X<78-2 leading fnancial vertical search platform. The business %,)'&$8-22$,)%/+-,' V%/$9-&:'' ofers recommendation and application services, /-'8-,032$&0'%,)'2+8&-' W$,)+,9 business scope cover loans, credit cards and fnancial 8-2=%,+$0 [5,$&04+='' management in a convenient, safe and cost-efective W-8%/$)'' a&+.%/$ 2%,,$&7'(-,9"X<'+0'1&$$'1-&'/4$'30$&'%,)'4-6)0'=&$0$,8$' V4+,% (%,O'W%0/'^$%&'' +,'_$+L+,97 ^$%&'@-3,)$)'' "E C6$&'m'#+0&3=/-& W+38%-'@$,9'Kga'a&-)38/' B$84,-6-9:mV-Z@-3,)$&N 49 39 @3/3&$'@+,%,8$ "Future Finance has experienced phenomenal success and has huge potential to continue to grow. I am $A8+/$)'/-'>$'L-+,+,9'0384'%'9&$%/'/$%2'%,)'%'1%0/I9&-5+,9*'8-,032$&I1&+$,)6:'>30+,$00'/4%/'+0'1-830$)'-,' ensuring that deserving students get the education they need." - Alex King V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ @3/3&$'@+,%,8$'%66-50'3,)$&9&%)3%/$'%,)'=-0/9&%)3%/$' B%96+,$' V%/$9-&:'' 0/3)$,/0'/-'->/%+,'6-%,0'+,'M3&-=$*'.%63$)'>$/5$$,' W-%,0'1-&'F/3)$,/0 W$,)+,9 uC*<<<'/-'uE<*<<<'54+84'8%,'>$'&$=%+)'-.$&'%'=$&+-)' W-8%/$)'' [5,$&04+='' -1'3='/-'G':$%&07'@3,)0'%&$'&$6$%0$)'5+/4+,'CE'4-3&07' b&$6%,) a&+.%/$ B4$'13,)+,9'%&&%,9$2$,/'%00+0/0'0/3)$,/0'+,'=%:+,9'1-&' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' /3+/+-,'%,)'6+.+,9'$A=$,0$07 C0+/$'' F+d$ SVS*'kM#'b,.$0/-&0*'V-684+0'V%=+/%6'T%,%9$2$,/*'b,.30' www.futurefnance.com 7(7(7(7(7 [==-&/3,+/+$0*'@$,5%:'F322$&'g$,/3&$0*'!m<'V%=+/%6*' #?'`$%6/48%&$'a%&/,$&0 M,%>6$&'m'#+0&3=/-& G< E< V-+,>%0$ l?$;.$'>$8-2$'%'8-&$'=+$8$'-1'+,1&%0/&38/3&$'+,'/4+0'+,)30/&:*'%,)'5$',$$)'/-'08%6$'5+/4'+/'%0'+/'9&-507'B4+0' solid foundation will allow digital currency to keep growing and help create the next wave of adoption.” I'_&+%,'U&20/&-,9 V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W%3,84$)'+,'C%0$'$,%>6$0')+9+/%6'83&&$,8:' B%96+,$' V%/$9-&:'' /&%,0%8/+-,0'>$/5$$,'/&%)$&0*'8-,032$&0'%,)'2$&84%,/0' _3:'%,)'F$66'#+9+/%6'V3&&$,8: #+9+/%6'V3&&$,8+$0 .+%'%,'-,6+,$'=6%/1-&27'B4$'8-2=%,:;0'2+00+-,'+0'/-'8&$%/$' W-8%/$)'' [5,$&04+='' a globally accessible, open fnancial system. By allowing R,+/$)'F/%/$0 a&+.%/$ +,)+.+)3%6'>+/8-+,'5%66$/0'%,)'$,%>6+,9'8-,,$8/$)'>%,O' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' %88-3,/0*'V-+,>%0$'$,03&$0'%,'+2=&-.$)'>3:+,9'%,)' C0+/$'' ^'V-2>+,%/-&*'@3,)$&0V63>*'Fg'U,9$6*'R,+-,'Fj3%&$' M,%>6$&'m'#+0&3=/-& 55578-+,>%0$78-2 g$,/3&$0*'#+9+/%6'V3&&$,8:'D&-3=*'U,)&$$00$,' `-&-5+/d*'R,+-,'Fj3%&$'g$,/3&$0*'g%6-&'V%=+/%6'D&-3=*' Propel Venture Partners, New York Stock Exchange, ($+,.$,/3&$'D&-3= G!G! E! W$%93$ "I've heard, 'Oh, this looks impossible, what are you thinking?' To me, that's a signal that I might be on the right track."- Michael Serbinis V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W$%93$'&$.-63/+-,+0$0'4$%6/4'+,03&%,8$'+,/-'%,'+,,-.%/+.$*' B%96+,$' V%/$9-&:'' )+9+/%6'0-63/+-,'>:'=&-.+)+,9'-=/+-,0'/-'/%+6-&'4$%6/4I&$6%/$)' B4$')+9+/%6'%6/$&,%/+.$' b,03&%,8$ %88-3,/0'-,'%'0/&$%26+,$)'2->+6$'=6%/1-&27'R0$&0'8%,' /-'/&%)+/+-,%6'4$%6/48%&$' [5,$&04+='' 2%,%9$'/4$+&'4$%6/4'$A=$,)+/3&$0*'+,03&%,8$*'%==-+,/2$,/' +,03&%,8$ a&+.%/$ >--O+,90*'%,)'0$$O'=&-1$00+-,%6'4$6='-&'03==-&/'1&-2' W-8%/$)'' (%,O'W%0/'^$%&'' %).+0-&07'B4$'2->+6$'=6%/1-&2'1%8+6+/%/$0'%'2%&O$/=6%8$'/-' V%,%)% "X allow an efcient means of fnding and verifying high quality ^$%&'@-3,)$)'' Staf 4$%6/4'=&-1$00+-,%60'>:'%',32>$&'-1'2$/&+80*'0384'%0'=&+8$*' C+,+0'KVM[mV-I Notable Investors 7(7(7(7(7 @-3,)$&N*'#%,'W$+>3'KV[[m @-3,)%/+-,'V%=+/%6*'($%6'g$,/3&$0*'[TM(F'g$,/3&$0*' V-I@-3,)$&N*'B-))'`32=4&$:' M,%>6$&'m'#+0&3=/-& Infnite Potential Technologies, BDC, Royal Bank of Canada KVV[mV-I@-3,)$&N*'#%,' D%6=$&+,'KVB[mV-I@-3,)$&N ?$>0+/$'' 55576$%93$78-2m/-&-,/- GC EC a304=%: l^-3'8-36)'4%.$'/4$'>$0/'=&-)38/'+,'/4$'5-&6)*'>3/'5+/4-3/'/4$'&+94/'=$-=6$'/-'>3+6)'+/'%,)'0$66'+/*'+/'+0' worthless.” - Chris Heaslip V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Pushpay is the world’s frst mobile app that allows you B%96+,$' V%/$9-&:'' /-'2%O$'%'0$83&$')-,%/+-,'-&'=%:2$,/'+,'!<'0$8-,)0'-&' a304=%:'+0'6+O$'/4$'+B3,$0' a%:2$,/0 6$007'a304=%:'%)-=/0'%'F%%F'03>08&+=/+-,I>%0$)'2-)$6' =3&84%0+,9'$A=$&+$,8$777'1-&' [5,$&04+='' +,'=&-.+)+,9'%'=%:2$,/'0-63/+-,'>$/5$$,'2$&84%,/0'%,)' /4$'&$0/'-1'/4$'5-&6)p a3>6+8 830/-2$&0'.+%'%'2->+6$'%==7 W-8%/$)'' (%,O'W%0/'^$%&'' New Zealand New to the list Notable Investors ^$%&'@-3,)$)'' Staf U66+%,8$'Mj3+/+$0*'V4&+0/-=4$&'Y'_%,O0'a&+.%/$'Mj3+/: C6$&'m'#+0&3=/-& ?$>0+/$'' 5557=304=%:78-2 G" E" g$&/%%M,0+,KV-2=%&$M3&-=$D&-3=N “We help users get a tailored result based on their profle and needs, as well as help them actually buy the product and manage it over time. Hence, the diference is in the approach to the customer needs, and the related data-driven technology that sits behind it.” - Thomas Munk V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ V-2=%&$M3&-=$D&-3='-=$&%/$0'%,'-,6+,$'8-2=%&+0-,' B%96+,$' V%/$9-&:'' platform for fnancial, telco and utility products across M3&-=$;0'W$%)+,9'@+,%,8+%6' b,03&%,8$ M3&-=$7'B4$'8-2=%,:'30$0'2%84+,$'6$%&,+,9'%,)'-/4$&' T%&O$/=6%8$ [5,$&04+='' %69-&+/420'/-'0-&/'/4&-394*'%,)'0$%&84'1-&*'/4$'>$0/')$%60' W-8%/$)'' a&+.%/$ 1-&'%'=%&/+836%&'0$&.+8$'+,'&$%6'/+2$*'>%0$)'-,'=%&%2$/$&0' @+,6%,) (%,O'W%0/'^$%&'' $,/$&$)'>:'/4$'8-,032$&7 ^$%&'@-3,)$)'' New to the list C6$&'m'#+0&3=/-& ?$>0+/$'' 55578-2=%&$$3&-=$9&-3=7 8-2 GE EE U1/$&a%:'B-384 lb,'%,:'>30+,$00'+/'+0'+2=$&%/+.$'/-'6+0/$,'/-':-3&'830/-2$&0'%,)'/-'=&-.+)$'$A8$=/+-,%6'830/-2$&'0$&.+8$' — our customers are our biggest advocates because we developed a service that is unashamedly customer-centric and puts their interests frst.”- Nick Molnar V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U1/$&a%:'=&-.+)$0'0+2=6$'+,0/%62$,/'=6%,0'1-&'-,6+,$' B%96+,$' V%/$9-&:'' 04-==+,9'30$&0'5+/4'%,'-=/+-,'/-'0=&$%)'=3&84%0$0' Shop Now. Pay Later. In 4 a%:2$,/0 across four equal instalments. Customers fll in their F+2=6$'b,0/%62$,/07 [5,$&04+='' =%:2$,/')$/%+60'30+,9'U1/$&=%:'%,)'/4$'=&-)38/0'%&$' W-8%/$)'' a3>6+8 )+0=%/84$)')+&$8/6:'/-'/4$'830/-2$&'1&-2'/4$'2$&84%,/7' U30/&%6+% (%,O'W%0/'^$%&'' Afterpay ofers the option to view and manage payment ^$%&'@-3,)$)'' M2$&9+,9'8-2=%,: 084$)36$0'%0'5$66'%0'=%:'+,'%).%,8$'>$1-&$')$%)6+,$07' C6$&'m'#+0&3=/-& ?$>0+/$'' 5557%1/$&=%:78-27%3 GG EG W$,)+A lb,'%))+/+-,'/-'&$/%+6'%,)'+,0/+/3/+-,%6'+,.$0/-&0*'5$'%&$',-5'0$$+,9'6$%)+,9'=3>6+8'+,0/+/3/+-,0'L-+,'30'+,' support of the real economy” - Oliver Goy V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W$,)+A'%00+0/0'=&+.%/$*'=&-1$00+-,%6'%,)'+,0/+/3/+-,%6' B%96+,$' V%/$9-&:'' +,.$0/-&0'+,'%84+$.+,9'%//&%8/+.$'&$/3&,0*'%,)'4$6=0'FT_0' B4$'v!'W$,)+,9'T%&O$/=6%8$' W$,)+,9 seek simple and efcient funding options beyond the +,'@&%,8$ [5,$&04+='' traditional ofers from banking institutions. Upon project W-8%/$)'' a&+.%/$ %==&-.%6'%,)'+,/$&$0/'&%/$')$/$&2+,%/+-,*'%'=&-L$8/'+0' @&%,8$ (%,O'W%0/'^$%&'' 03>2+//$)'/-'%'=6%/1-&2'1-&'+,.$0/-&0'/-'%88$007'B4$' ^$%&'@-3,)$)'' "C average time for fnancing completion is less than 10 C0+/$'' 7(7(7(7(7 5557$,76$,)+A78-2 Notable Investors M,%>6$&'m'#+0&3=/-& a%&/$84'g$,/3&$0*'T%&8'T$,%0$*'V4&+0/+%,'D3$39,+$&*' Weber Investissement, Zencap, Matmut, Decaux Freres Investissement, Sycomore Factory, CNP Assurances GX EX W$,)+,9V63> "We have demonstrated the power of the LendingClub marketplace model to generate attractive, risk adjusted returns to investors," - Scott Sanborn V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W$,)+,9V63>'+0'%,'-,6+,$'2%&O$/=6%8$'8-,,$8/+,9' B%96+,$' V%/$9-&:'' >-&&-5$&0'%,)'+,.$0/-&0*'1%8+6+/%/+,9'=$&0-,%6'6-%,0*' _$//$&'(%/$07'B-9$/4$&7 W$,)+,9 business loans, and fnancing for elective medical W-8%/$)'' [5,$&04+='' =&-8$)3&$0'%,)'SI!C'$)38%/+-,'%,)'/3/-&+,97'B4$:'30$' R,+/$)'F/%/$0 a3>6+8 /$84,-6-9:'/-'-=$&%/$'%'8&$)+/'2%&O$/=6%8$'%/'%'6-5$&' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' 8-0/'/4%,'/&%)+/+-,%6'>%,O'6-%,'=&-9&%20*'=%00+,9'/4$' C< -&&-5$&0'+,'/4$'1-&2'-1'6-5$&'&%/$0'%,)'/-' S$:'a$-=6$'' Staf +,.$0/-&0'+,'/4$'1-&2'-1'0-6+)'&$/3&,07' F8-//'F%,>-&,'KVM[m !!!!! a&$0+)$,/N Notable Investors F+d$ ?$>0+/$'' Norwest Venture Partners, Silicon Valley Bank, 7(7(7(7(7 55576$,)+,9863>78-2 @-3,)%/+-,'V%=+/%6*'R,+-,'Fj3%&$'g$,/3&$0*'S6$+,$&' M,%>6$&'m'#+0&3=/-& Perkins Caufeld & Byers, Foundation Capital, T.Rowe a&+8$*'_6%8O(-8O GP EP S3$0O+ lb1'+/;0'%'04-&/I/$&2'6-%,*'5$'8%,'>3+6)'%,'3,)$&5&+/+,9'2-)$6'.$&:*'.$&:'1%0/*'+,'X<')%:0*':-3'O,-5'54-'=%+)' you back and who didn’t, and you can use that [information] to expand to other products in the future.” I'U)%6>$&/-'@6-&$0 V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ S3$0O+'+0'%'W%/+,'U2$&+8%,'2+8&-I6$,)+,9'0$&.+8$*')&+.$,' B%96+,$' V%/$9-&:'' >:'%'/$%2'5+/4'>+9')%/%'%,)'%,%6:/+80'>%8O9&-3,)07' b,0/%,/'=$&0-,%6'6-%,0 W$,)+,9 R0$&0'8%,'&$j3$0/'1-&'02%66'6-%,0'.+%'-,6+,$'%==6+8%/+-,0*' W-8%/$)'' [5,$&04+='' -3/6+,+,9'/4$'j3%,/32'-1'2-,$:'&$j3+&$)'%,)'/4$'/+2$' T$A+8- a&+.%/$ &$j3+&$)'1-&'&$=%:2$,/07'S3$0O+'3/+6+0$0'+,1-&2%/+-,' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' %&-3,)'%'30$&;0'8&$)+/'4+0/-&:*'/4$+&'0-8+%6'%00$002$,/' C$&/-'@6-&$0'KVM[N*' !!!!! 54$/4$&'/4$'6-%,'%==6+8%/+-,'04-36)'>$'%88$=/$)'-&' ' W$-,%&)-')$'6%'V$&)%'KV-I &$L$8/$)7'[,8$'6-%,'%==&-.%60'%&$'9&%,/$)*'5+&$'/&%,01$&0' F+d$ @-3,)$&N 5+66'+22$)+%/$6:'/%O$'=6%8$7 7(7(7(7(7 ?$>0+/$'' M,%>6$&'m'#+0&3=/-& 5557O3$0O+78-2 Notable Investors V-&$'g$,/3&$0'D&-3=*'U&+$6'a-6$&*'U,9$6'g$,/3&$0*' CrunchFund, GAIN, Sobrato Family Foundation, Endeavor V%/%6:0/*'gU(bg'V%=+/%6*'(+0$'V%=+/%6*'V-&$'g$,/3&$0' D&-3=*'U3&+%'V%=+/%6*'(+842-,)'D6->%6'g$,/3&$0*'g+8/-&:' a%&O'V%=+/%6 G] E] D3+%_-60- "From the beginning of GuiaBolso, our goal has always been to ofer the best solutions to help Brazilian consumers improve their fnancial well-being." - Benjamin Gleason V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ D3+%_-60-'$2=-5$&0'30$&0'+,'_&%d+6'/-'>$//$&'8-,/&-6'%,)' B%96+,$' V%/$9-&:'' understand their fnancial health and well-being. With an ^-3'-5,':-3&'2-,$: W$,)+,9 %==&-%84'/-5%&)0'%3/-2%/+-,*'/4$'8-2=%,:'4%0'%)-=/$)' W-8%/$)'' [5,$&04+='' a solution to personal fnance management which can _&%d+6 a&+.%/$ assist customers on their path to fnancial freedom and ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' +2=&-.$'/4$+&'&$6%/+-,04+='5+/4'2-,$:7'B4$+&'%=='6+,O0' C%,O'%88-3,/0*'8&$%/$0'/&%,0=%&$,8:'1-&' S$:'a$-=6$'' Staf >%,O+,9'/&%,0%8/+-,0*'>3+6)0'%,)'8%/$9-&+0$0'9-%60'%,)' _$,L%2+,'D6$%0-,'KV-IVM[m !!!!! 2%,%9$0'/4$2'-,'%,'%3/-2%/+8'>%0+07'V30/-2$&0'%60-' ' V-I@-3,)$&N*'B4+%9-'U6.%&$d' 4%.$'/4$'-=/+-,'/-'%6/$&*'&$2-.$'%,)'9&-5'/4$+&'%88-3,/0' F+d$ KV-IVM[mV-I@-3,)$&N /-'8-,/&-6'8%04'$A=$,)+/3&$07 7(7(7(7( 7 ?$>0+/$'' M,%>6$&'m'#+0&3=/-& 555793+%>-60-78-2 Notable Investors V%&6-0'V3&+-,+*'$7_&+8O0'g$,/3&$0*'g%6-&'V%=+/%6'D&-3=*' #%,+$6'T%&/+,0*'@6-&+%,'[//-*'S%0d$O'g$,/3&$0*'M)'_%O$&*' Omidyar Network, Peter Kellner, QED Investors, Mark D-+,$0*'(+>>+/'V%=+/%67 5959 49 +5-8% “Traditional banks have not been able to ofer small businesses the capital they need to grow despite tremendous government support, companies like ours moved in to fll this funding gap and have built sophisticated technology that enables faster and more efcient decision making.” - Christophe Rieche V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ iwoca enables short-term fnancing solutions to SMEs B%96+,$' V%/$9-&:'' 5+/4'%'1-830'-,'%',32>$&'-1'O$:'9$-9&%=4+$0J'/4$'RS*' Fast, fexible and fair small W$,)+,9 a-6%,)*'F=%+,'%,)'D$&2%,:7'@6$A+>6$'8&$)+/'-=/+-,0'%&$' >30+,$00'6-%,0 [5,$&04+='' %.%+6%>6$'%8&-00'M3&-=$'5+/4'/4$'/$84,-6-9:'/-'$6+2+,%/$' W-8%/$)'' a&+.%/$ 8-2=6$A+/+$0'%,)'8-0/0'%00-8+%/$)'5+/4'/&%)+/+-,%6' a-6%,) (%,O'W%0/'^$%&'' business fnance. Instant decision making processes, zero ^$%&'@-3,)$)'' M2$&9+,9'8-2=%,: upfront fees, concise forms and fexible commitments add C6$'-1'3,)$&0/%,)+,9'%,:'02%66'>30+,$00' ' V4&+0/-=4'(+$84$'KVM[mV-I >%0$)'-,'+/0'/&%)+,9')%/%7 F+d$ @-3,)$&Nmc%2$0'#$%&'KVB[m 7(7(7(7(7 V-I@-3,)$&N Notable Investors M,%>6$&'m'#+0&3=/-& ?$>0+/$'' _$:-,)'#+9+/%6'T$)+%*'B%6+0'V%=+/%6*'D6->%6'@-3,)$&0' 5557+5-8%78-73O V%=+/%6*'($)6+,$'V%=+/%6*'V-22$&dg$,/3&$0'D2>`*'U8/-,' Capital Partners, Prime Ventures, Shawbrook Bank, Neva @+,.$,/3&$0 X< G< (->+,4--) “Our mission is to make fnancial services more accessible to more people.” - Baiju Bhatt V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ (->+,4--)'&$.-63/+-,+0$0'/4$',-/+-,'-1'+,.$0/+,9'+,' B%96+,$' V%/$9-&:'' /-)%:;0'0/-8O'2%&O$/'5+/4'/4$'=4+6-0-=4:'/-'=&-.+)$' @&$$'F/-8O'B&%)+,9 _&-O$&%9$ $j3%6'-==-&/3,+/:'/-'$.$&:-,$7'#&+.$,'>:'%'2+00+-,'/-' W-8%/$)'' [5,$&04+='' +,0=+&$'/4$',$A/'9$,$&%/+-,'-1'+,.$0/-&0*'(->+,4--)' R,+/$)'F/%/$0 a&+.%/$ $,%>6$0'30$&0'5+/4'%'d$&-'8-22+00+-,'2-)$6'/-'/&%,0%8/' ^$%&'@-3,)$)'' (%,O'W%0/'^$%&'' RF'0/-8O0'%,)'MB@07'_:'06+22+,9')-5,'/4$'+,.$0/2$,/' C&-O$&%9$'8-0/0*'%66' S$:'a$-=6$'' Staf users can access the fnancial markets. _%+L3'_4%//'KV-I@-3,)$&N*' !!!!!' g6%)+2+&'B$,$.'KV-I@-3,)$&N*' Notable Investors F+d$ Nate Rodland (COO) b,)$A'g$,/3&$0*'B+2'#&%=$&*'U,)&$$00$,'`-&-5+/d*' 7(7(7(7(7 ?$>0+/$'' F,--='#-99 M,%>6$&'m'#+0&3=/-& 5557&->+,4--)78-2 X!X! U).+8$(->- “New technologies like machine learning, biometry and block chain have entered the fnancial industry and will impact the banking battle on cost/income big time!” - Diederick van Thiel V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ ?+/4'86+$,/0'%8&-00'/4$'RS*'`-66%,)'%,)'F=%+,*' B%96+,$' V%/$9-&:'' AdviceRobo works with a team of fnance, artifcial U).%,8$)'08-&+,9'%,)' ?$%6/4 +,/$66+9$,8$*'>$4%.+-3&%6'08+$,8$'%,)'0-1/5%&$' =&$)+8/+.$'%,%6:/+80'/-' [5,$&04+='' )$.$6-=2$,/'$A$&/0'/-')$6+.$&'%'=0:84-2$/&+8'8&$)+/' +2=&-.$'6$,)+,9'%,)'+,03&%,8$ a&+.%/$ 08-&+,9'%,)'&+0O'&$)38/+-,'=6%/1-&27'B4$'0-1/5%&$' W-8%/$)'' Staf 6$.$&%9$0'2%84+,$'6$%&,+,9'+,'%'F%%F'$,.+&-,2$,/'/-'30$' Netherlands ! !!!! deep scientifc knowledge to apply psychographics to ' ^$%&'@-3,)$)'' 08-&+,9'2-)$607' F+d$ C6$&'m'#+0&3=/-& #+$)$&+8O'.%,'B4+$6'KVM[N*' (-0%6+'F/$$,O%2$&'KVV[N ?$>0+/$'' 5557%).+8$&->-78-2 XC U+2_&%+, lB4$',$5'0:0/$20'$,%>6$'U+2_&%+,'/-')$.$6-='%'2-&$')$/%+6$)'2%/4$2%/+8%6'8-,0/&38/'-1'$%84'30$&i' 4-5'/4$:'6--O*'0-3,)'-&'>$4%.$'%8&-00'%'>&-%)'&%,9$'-1'0$//+,90'%,)'4$6=0'-3&'0:0/$20'&$8-9,+0$'30$&0' across a range of settings with greater accuracy.” - Alesis Novik V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U+2_&%+,'30$0'%'=%/$,/I=$,)+,9*'8-,/$A/I>%0$)' B%96+,$' V%/$9-&:'' %3/4$,/+8%/+-,'2$/4-)-6-9:'54+84'6$.$&%9$0'>+-2$/&+8%6' F+2=6:'F2%&/$&' V:>$&'F$83&+/: engineering to assist in securitising identifcation Authentifcation [5,$&04+='' processes between fnancial institutions and their mobile W-8%/$)'' a&+.%/$ >%,O+,9'30$&07 R,+/$)'S+,9)-2 Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C$&'W-,)-,N M,%>6$&'m'#+0&3=/-& U,)&+30'F3/%0'KV-I@-3,)$&N ?$>0+/$'' 5557%+2>&%+,78-2 X" U+&5%66$A l[3&'2+00+-,'+0'/-'$&%)+8%/$'/4$'>3&)$,'-1'+,/$&,%/+-,%6'=%:2$,/0'0-'/4%/'>30+,$00$0'8%,'/&%,0%8/' across borders with ease. Armed with a growing number of fnancial services licences and partnerships %8&-00',32$&-30'L3&+0)+8/+-,0*'5$'%+2'/-'2%O$'+,/$&,%/+-,%6'=%:2$,/0'%0'84$%='%,)'0+2=6$'%0')-2$0/+8' payments.” - Jack Zhang V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ U+&5%66$A'1%8+6+/%/$0'8&-00I>-&)$&'/&%,0%8/+-,0'>:'-.$&&+,9' B%96+,$' V%/$9-&:'' secure payments facilities that allow customers to fx b,/$&,%/+-,%6'a%:2$,/0*' ($9/$84 $A84%,9$'&%/$0'1-&'$%84'/&%,0%8/+-,'/-'&$)38$'83&&$,8:' Simplifed [5,$&04+='' .-6%/+6+/:7'B4$'0-1/5%&$'%60-'+,/$9&%/$0'5+/4'%,'+,.-+8$'%,)' W-8%/$)'' a&+.%/$ =%:2$,/0'0:0/$2'/4&-394'%,'-,+,$'5$>'=-&/%67 U30/&%6+% Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C+' F+d$ S$:'a$-=6$'' g$,/3&$0*'`3%04%,'V%=+/%6*'D&%.+/:'gV*'_+66:'B%2 7(7(7(7(7 W38:'^3$/+,9'W+3'KV-I1-3,)$&' M,%>6$&'m'#+0&3=/-& and COO), Jack Zhang (Co- 1-3,)$&'%,)'VM[N*'c%8->'#%+' KV-I1-3,)$&'%,)'VB[N ?$>0+/$'' 5557%+&5%66$A78-2 XE U6%, lT-0/'=$-=6$'0$$'4$%6/4'+,03&%,8$'%0'%',$8$00%&:'$.+6*'5+/4'+,0/+/3/+-,0'/4$:'8%,',-/'/&30/*'+,0/$%)'-1' %00-8+%/+,9'5+/4'%,'+,8&$)+>6$'30$&'$A=$&+$,8$7'?$'5%,/'/-'84%,9$'/4%/*'%,)'4$6='=$-=6$'/%O$'8-,/&-6'-1'/4$+&' health. We want to bring the best of technology to health for an optimal experience.” Jean-Charles Samuelian V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Founded in 2016, Alan is Europe’s frst digital health B%96+,$' V%/$9-&:'' +,03&%,8$'8-2=%,:7'U6%,;0'8-2=%,:'2+00+-,'+0'/-' ?$'%&$'U6%,*'0+2=6$'4$%6/4' b,03&%,8$ &%)+8%66:'/&%,01-&2'/4$'5%:'+,)+.+)3%60'2%,%9$'/4$+&' +,03&%,8$7'U'/-='8-.$&*'36/&%' [5,$&04+='' 4$%6/4*'>:'0+2=6+1:+,9'/4$'8-2=6$A+/+$0'-1'4$%6/4'8%&$' 0+2=6$'/-'30$7 a&+.%/$ %)2+,+0/&%/+-,'%,)'$,%>6+,9'9&$%/$&'%88$00'/-')%/%' W-8%/$)'' Staf +,0+94/0*'=&+8$'/&%,0=%&$,8:'%,)'=&$.$,/%/+.$'/4$&%=+$07' @&%,8$ !!!!! Currently, it ofers a fast and simple health insurance ' ^$%&'@-3,)$)'' 0+9,I3='=&-8$00*'&$%6I/+2$'&$+2>3&0$2$,/'%,)'1366:' F+d$ C6$&'m'#+0&3=/-& V4%&6$0'D-&+,/+,'KVB['%,)' Notable Investors V-1-3,)$&N*'c$%,IV4%&6$0' CNP Assurances, Power Financial Corporation, Partech F%23$6+%,'KVM['%,)' g$,/3&$0*'FO:5--)'V%=+/%6 V-1-3,)$&N ?$>0+/$'' 5557%6%,7$3 XG U3/-D&%.+/: l_$1-&$':-3'$.$,'0$/'1--/'+,'/4$')$%6$&04+=*'U3/-9&%.+/:'$j3+=0':-3'5+/4'/4$'2-,$:':-3',$$)t'%,)'/4%/' allows you to negotiate the right price with the dealer when you engage at the dealership.” - Andy Hinrichs V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ _%0$)'+,'b&.+,$*'V%6+1-&,+%*'U3/-D&%.+/:;0'/$%2'-1' B%96+,$' V%/$9-&:'' +,/$&,%/+-,%6')+9+/%6',%/+.$0'%,)'%3/-I+,)30/&:'$A=$&/0' Finance Your Next Car in W$,)+,9 +0'0$$O+,9'/-')+0&3=/'/4$'8%&'+,)30/&:7'B4$'=6%/1-&2' T+,3/$0 [5,$&04+='' operates in partnership with international fnancial W-8%/$)'' a&+.%/$ +,0/+/3/+-,0'/-'&$/3&,'8-,/&-6'%,)'=-5$&'/-'+,)+.+)3%60' R,+/$)'F/%/$0 Staf seeking fnance, as well as connecting buyers to trusted ^$%&'@-3,)$)'' !!!!! 8%&')$%6$&04+=07' ' C6$&'m'#+0&3=/-& `+,&+840'KVM[N V-'WWV ?$>0+/$'' 5557%3/-9&%.+/:78-2 XX _%,j$& “I’m a frm believer that when it comes to money, knowledge is power. Banqer’s aim is to arm young people with the skills they need to make smart and informed fnancial choices as adults... If we do that, we think we’ll make strong in-roads at reducing inequality, crippling debt, and poverty in New Zealand and worldwide.” - Kendall Flutey V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Founder in 2015, Banquer is a fnancial education B%96+,$' V%/$9-&:'' =6%/1-&2'83&&$,/6:'30$)'>:'E<*<<<'84+6)&$,'5-&6)5+)$*' Bring fnancial education M)B$84 54-'30$'/4$'0-1/5%&$'/-'=&%8/+8$'2-,$:'2%,%9$2$,/' /-'6+1$'+,':-3&'86%00 [5,$&04+='' %8&-00'%8/+.+/+$0'0384'%0'+,8-2$*'/%A*'=&-=$&/:' W-8%/$)'' a&+.%/$ +,.$0/2$,/'%,)'03=$&%,,3%/+-,7'@$$)>%8O'+0'2-,+/-&$)' New Zealand Staf %,)'=&-.+)$)'/-'/$%84$&0*'5+/4'/4$'%+2'-1'$,03&+,9' ^$%&'@-3,)$)'' ! !!!! 84+6)&$,'>$8-2$'$j3+==$)'/-',%.+9%/$'/4$'13/3&$' ' C6$&'m'#+0&3=/-& ?$>0+/$'' 5557>%,j$&78- XP _-&&-5$66 lb,'L30/'-.$&'/5-':$%&0'0+,8$'-3&'6%3,84*'5$;.$'$A=$&+$,8$)'/&$2$,)-30'9&-5/4*'8$,/$&$)'%&-3,)'-3&' 2+00+-,'-1'4$6=+,9'8-,032$&0'2%O$'9&$%/')$8+0+-,0'%>-3/'8&$)+/777'[.$&'/4&$$'43,)&$)'/4-30%,)' Canadians have used Borrowell to learn their credit score or check their rate on a loan.” - Andrew Graham V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ _-&&-5$66'+0'/%8O6+,9'V%,%)%;0'\!7G'/&+66+-,'8-,032$&' B%96+,$' V%/$9-&:'' 6$,)+,9'2%&O$/'>:'%3/-2%/+,9'/4$'/&%)+/+-,%6'6-%,' a$&0-,%6'W-%,0'U,)'V&$)+/' W$,)+,9 %==6+8%/+-,'=&-8$007'b/0'=6%/1-&2'9$,$&%/$0'%'=$&0-,%6+0$)' F8-&$07'_-&&-5$66'T%O$0' [5,$&04+='' 6-%,'j3-/$'>%0$)'-,'%'X X] _3) "We have lost that personal touch with banking. We're trying to get that back. It's an app that works with all the providers, but it's also mine, my tool which advises me" - Edward Maslaveckas V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ _%0$)'+,'/4$'RS*'_3)'6$.$&%9$0'Uab'8-,,$8/+-,0'/-'6+,O' B%96+,$' V%/$9-&:'' fnancial products within a complete system, so as to Plug and play fnancial ' #%/%'%,)'U,%6:/+80 provide fnancial institutions with a fexible white-label 0$&.+8$0'=6%/1-&2 [5,$&04+='' =&-)38/7'B4$'0$&.+8$0'%66-50'30$&0'/-'8-2>+,$'%88-3,/0' W-8%/$)'' a&+.%/$ %,)'9$/'=$&0-,%6+0$)'+,0+94/0'1&-2'%'0+,96$'0-3&8$7' R,+/$)'S+,9)-2 Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C%)$66*'b,.$0/$8 F+d$ S$:'a$-=6$'' 7(7(7(7(7 M)5%&)'T%06%.$8O%0'KVM[N*' M,%>6$&'m'#+0&3=/-& D$-&9$'#3,,+,9'KVB[N ?$>0+/$'' 5557/4+0+0>3)78-2 6969 V%=+/%6'@6-%/ “We believe new age Fintech companies and established fnancial institutions need not compete, but can collaborate to widen the fnancing options available for SMEs.” - Sashank Rishyasringa V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ V%=+/%6'@6-%/'=&-.+)$0'5-&O+,9'8%=+/%6'6-%,0'/-'02%66' B%96+,$' V%/$9-&:'' >30+,$00$0'5+/4'/4$'%+2'-1'+,8&$%0+,9'FTM0;'%88$00'/-' B+2+,9'2%O$0'%66'/4$' W$,)+,9 8&$)+/*'8-66%/$&%6I1&$$'/$&20'%,)'/&30/5-&/4:'=%&/,$&07' diference. [5,$&04+='' B4$'-,6+,$'=6%/1-&2'/%&9$/0''FTM0'+,'b,)+%'54-'%&$'%>6$' W-8%/$)'' a&+.%/$ /-'&$8$+.$'13,)0'+,'"')%:0'1-66-5+,9'%,'-,6+,$'%==6+8%/+-,' b,)+% Staf =&-8$00'%,)'$%0:'/$&2I0$6$8/+-,7 ^$%&'@-3,)$)'' !!!!!' C6$&'m'#+0&3=/-& 1-3,)$&*'T%,%9+,9'#+&$8/-&N*' D%3&%.'`+,)3L%'KV-I1-3,)$&*' T%,%9+,9'#+&$8/-&N*'(%L$04' g+05%,%/4%,'KV@[N*'(-4%,' U,9&+04'KVB[N ?$>0+/$'' www.capitalfoat.com P< V4$&&+'B$84*'b,87 “Many pseudo-card groups use VPN as a springboard to trade, But TapPay knows user actions, such %0'>%0+8'+,1-&2%/+-,'%/'/4$'/+2$'-1'=3&84%0$*'/&%,0%8/+-,'4+0/-&:*'/4$'ba'%))&$00'-1'/4$'/&%,0%8/+-,*'/4$' computer used in the transaction.” - Zhuang Fan Jie V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ B%=a%:'+0'83&&$,/6:'5-&O+,9'5+/4'!<'2%L-&'>%,O0'+,'B%+5%,' B%96+,$' ?$>0+/$'' /-'+2=&-.$'/4$'830/-2$&'$A=$&+$,8$'54$,'=&-8$00+,9' [3&'2+00+-,'+0'/-'=$&1$8/' 5557/%==%:0)O78-2 =%:2$,/0'-,6+,$7'B4$'0-1/5%&$'=&-.+)$0'%'=639I%,)I /4$'=%:2$,/'8%&)'84$8O-3/' V%/$9-&:'' =6%:'Uab'1-&')$.$6-=$&0'/-'+,/$9&%/$'+,/-'830/-2+0%>6$' =&-8$00*'04-58%0+,9'%' a%:2$,/0 5$>=%9$0*'%,)'+0'/%&9$/+,9'08%2'&$)38/+-,'5+/4'%'1&%3)' 8%046$00'13/3&$'/-'/4$'$,/+&$' [5,$&04+='' )$/$8/-&'/--67'B%=a%:'83&&$,/6:'=&-8$00$0'"'2+66+-,' 5-&6) a&+.%/$ /&%,0%8/+-,0'=$&'2-,/4'%,)'+0'6--O+,9'/-'`-,9'S-,9'%,)' W-8%/$)'' Staf F+,9=-&$'1-&'$A=%,0+-,'+,'C6$&'m'#+0&3=/-& Zhihao Li (Co-founder), F/$.$,'V43%,9'KVM[mV-I 1-3,)$&N*'^-3/+,9'V4$,'K_#Tm V-I1-3,)$&N P! V6%&O'D$&2%,:'D2>` “Most customers don’t have transparency about their insurance situation. Clark ofers its customers a 02%&/=4-,$'%=='54+84'%66-50'/4$2'/-')+9+/%66:'2%,%9$'/4$+&'+,03&%,8$'8-,/&%8/07'?+/4'/4$'%00+0/%,8$'-1' an insurance-cockpit, customers learn about their ‘insurance ftness’.” - Dr. Christopher Oster V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Clark combines artifcial intelligence and machine learning B%96+,$' V%/$9-&:'' 5+/4'432%,'$A=$&/0'/-'%,%6:0$'830/-2$&0;'3,+j3$')$/%+60' b,03&$)*'U0'b/'F4-36)'_$ b,03&%,8$ %,)'=&-.+)$'830/-2+0$)'+,03&%,8$'&$8-22$,)%/+-,07' W-8%/$)'' [5,$&04+='' B4$'8-2=%,:'4%0')$.$6-=$)'%'_%,8%003&%,8$IUab'/4%/' D$&2%,: a&+.%/$ seeks to increase its customers’ fnancial literacy and ^$%&'@-3,)$)'' Staf 3,)$&0/%,)+,9'-1'/4$+&'+,03&%,8$'0+/3%/+-,7 C$-'V%=+/%6*'S368d:O'b,.$0/2$,/0*' M,%>6$&'m'#+0&3=/-& T%&8-'U)$6/'KV[[N `+/@-A*'BU'g$,/3&$0*'B$,)$&6-+,'g$,/3&$0*'DTagV ?$>0+/$'' 555786%&O7)$ PC V-.$&D$,+30 lV-.$&'D$,+30;'.+0+-,'+0'/-'>$'/4$')+0/&+>3/-&'-1'+,03&%,8$'/-'/4$'5-&6);0'/-='+,/$&,$/'8-2=%,+$0777'[3&' =&+2%&:'1-830'-,'6$%&,+,9'%,)')$.$6-=2$,/'4$6=0'$,03&$'5$;&$'/-='-1'/4$'84%&/0'1-&'/4$'+,03&%,8$' industry, but most importantly our partners keep improving.” - Chris Bayley V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ With ofces in Austin, London and Sydney, Cover B%96+,$' V%/$9-&:'' D$,+30'+0'/4$'=%&$,/'8-2=%,:'-1'($,/%6V-.$&78-2' ?$'-=/+2+d$':-3&'+,03&%,8$' b,03&%,8$ %,)'_&+94/?4+/$7'B4$'8-2=%,:'+0'-,$'-1'/4$'5-&6);0' =&+8$*'=&-)38/'Y'=&-2-/+-,' [5,$&04+='' 1%0/$0/'9&-5+,9'b,03&/$84'0/%&/3=0*'30+,9'+/0'=6%/1-&20' 5+/4'T%84+,$'W$%&,+,9'%,)'Ub a&+.%/$ /-'):,%2+8%66:'9$,$&%/$'=-6+8+$0'>%0$)'-,'830/-2$&0;' W-8%/$)'' Staf specifc data points. Cover Genius currently helps U30/&%6+% !!!!! 830/-2$&0'+,8&$%0$'%,,3%6'&$83&&+,9'&$.$,3$'%,)'$A=%,)' ' ^$%&'@-3,)$)'' %,8+66%&:'0/&$%20'/4&-394'+/0'Uab'54+84'2%/84$0'=-6+8+$0' F+d$ C6$&'m'#+0&3=/-& U,930'T8#-,%6)'K`$%)'-1' a%&/,$&04+=0mV-I1-3,)$&N*' V4&+0'_%:6$:'KVM['%,)' Head of New Products/Co- @-3,)$&N ?$>0+/$'' 55578-.$&9$,+307>+d P" V-.$&?%66$/ lB-)%:*'/4$&$'$A+0/0'%'3,+j3$'-==-&/3,+/:'/-'&$+,.$,/'+/'>:'1-830+,9'-,'/4$'V-.$&?%66$/'=&+,8+=6$0'-1' simplifcation and transparency, leveraging analytics, and, ultimately reducing friction... We are on a mission to use technology to democratize hassle-free access to business insurance.” - Inaki Berenguer V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ V-.$&?%66$/'30$0')%/%'%,)'2%84+,$'6$%&,+,9'/-'0+2=6:' B%96+,$' V%/$9-&:'' +,03&%,8$'1-&'02%66'>30+,$00$0'>:'+2=&-.+,9'830/-2$&0;' V-22$&8+%6'b,03&%,8$'1-&' b,03&%,8$ $A=$&+$,8$0'+,'/%O+,9'-3/'%,'+,03&%,8$'=-6+8:'/4%/' :-3&'_30+,$00 [5,$&04+='' matches their needs. It services frms operating across W-8%/$)'' a&+.%/$ %'&%,9$'-1'+,)30/&+$0*'+,863)+,9'%9&+836/3&$*'8-,036/+,9*' R,+/$)'F/%/$0 Staf $)38%/+-,*'4$%6/48%&$*'1--)*'2%,31%8/3&+,9*'2+,+,9'%,)' ^$%&'@-3,)$)'' !!!!! &$%6'$0/%/$7 ' C6$&'m'#+0&3=/-& @-3,)$&N*'(%042+'T$69+&+' g$,/3&$0*'Vg'F/%&&*'%,)'B5-'F+92%'g$,/3&$0 KV[[mV-I@-3,)$&N ?$>0+/$'' 55578-.$&5%66$/78-2 PE Creamfnance l@&-2'/4$'.$&:'>$9+,,+,9'-1'-3&'>30+,$00'5$'&$%6+d$)'/4%/'5$',$$)'/-'9&-5'+,'-&)$&'/-'4%.$'%'4+94$&'&$%84' and bigger impact. Growth and expansion are in the DNA of our business and international expansion allowed us for higher and more impactful reach.” - Matiss Ansviesulis V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Creamfnance aims to simplify online borrowing by B%96+,$' V%/$9-&:'' %3/-2%/+,9'-,$I86+8O'6-%,07'b/0'=6%/1-&2'30$0'%69-&+/420' ?$'2%O$'2-,$:'%.%+6%>6$ W$,)+,9 %,)'2%84+,$I6$%&,+,9'/-'$.%63%/$'8&$)+/'&+0O'>%0$)'-,' W-8%/$)'' [5,$&04+='' )%/%'%00$002$,/'1&-2'/&%)+/+-,%6'0-3&8$07'b/'4%0'j3+8O6:' a-6%,) a&+.%/$ become one of Europe’s fastest growing fntech frms, ^$%&'@-3,)$)'' Staf 4%.+,9'2+,+2+0$)',-,I=$&1-&2+,9'6-%,'>%6%,8$0'/-'3,)$&' C6$&'m'#+0&3=/-& ?$>0+/$'' www.creamfnance.com PG V3..% “It was ridiculous that I couldn’t borrow a car for an hour, because of the difculty of getting short-term 8-.$&7'b'8-36)'-&)$&'%,'R>$&'-&'%'#$6+.$&--'/-'2:'4-30$*'>3/'b'8-36),;/'>3:'+,03&%,8$'1-&'%'04-&/'=$&+-)' quickly. ” - Freddy Macnamara V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Cuvva provides short term, fexible car insurance to a B%96+,$' V%/$9-&:'' &%,9$'-1'8-,032$&'9&-3=0*'+,863)+,9'+,)+.+)3%60'%,)'/%A+I V%&'+,03&%,8$'1-&'%,'4-3&*'%' b,03&%,8$ )&+.$&07'a-6+8+$0'&%,9$'+,')3&%/+-,'1&-2'!'4-3&'/-'C]')%:0' )%:*'%'5$$O*'54%/$..%7 [5,$&04+='' >%0$)'-,'%'0$=%&%/$'8-2=&$4$,0+.$'=-6+8:'54+84')-$0' W-8%/$)'' a&+.%/$ not afect the owners’ no-claims bonus. R,+/$)'S+,9)-2 Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C6$&'m'#+0&3=/-& @-3,)$&N*'c%2$0'_+66+,94%2' KVB[mV-I@-3,)$&N ?$>0+/$'' 555783..%78-2 PX @63//$&5%.$'b,8 l?$'%&$'>3+6)+,9'%'=6%/1-&2'1-&'%66'+,0/+/3/+-,0'/4%/'%&$'/&:+,9'/-'>3+6)'=%:2$,/*'+,/-'/4$+&'.%63$'84%+,'%,)' =&-.+)$'%'=6%/1-&2'/4%/'5$'8%,'%66'+,,-.%/$7'?$'5%,/'/-'>3+6)'/$84,-6-9:*'%,)'+,1&%0/&38/3&$'/4%/'+0'0%1$'1-&' the consumers, the ecosystem and fexible enough for everybody to use.” - Iyinoluwa Aboyeji V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ @63//$&5%.$'83&&$,/6:'-=$&%/$0'+,'-.$&'"X'U1&+8%,' B%96+,$' V%/$9-&:'' 8-3,/&+$0*'=&-.+)+,9'=%:2$,/0'/$84,-6-9:'%,)' T-)$&,'=%:2$,/0' a%:2$,/0 infrastructure to the continent’s largest fnancial +,1&%0/&38/3&$'/-'=-5$&' [5,$&04+='' +,0/+/3/+-,07'B4$'/$84,-6-9:'+0'$2=-5$&+,9'+,)+.+)3%60' U1&+8%;0')+9+/%6'$8-,-2:7 a&+.%/$ and businesses to accept online and ofine payments W-8%/$)'' Staf and driving growth in communities traditionally cut of Nigeria !!!!! 1&-2'/4$')+9+/%6'$8-,-2:7 ' ^$%&'@-3,)$)'' F+d$ C6$&'m'#+0&3=/-& b:+,-635%'U>-:$L+'K@-3,)$&N S4-06%*'D&$:8&-1/'a%&/,$&0*'D6:,,'V%=+/%6'T%,%9$2$,/*' ?$>0+/$'' `[@'V%=+/%6*'^'V-2>+,%/-&*'(%::%,'b06%2*'U&%>'U,9$6' www.futterwave.com Fund, Zillionize Angel, Lynett Capital, VC Fintech U88$6$&%/-&*'V(M'g$,/3&$'V%=+/%6 PP D&%00(--/0'_+2% “This will be not just an opportunity to heighten proftability, but a real chance for insurers to build and &$/%+,'/&30/5-&/4:'&$6%/+-,04+='5+/4'830/-2$&07'R,)$&5&+/$&0'%&$'%5%&$'-1'/4$')+0&3=/+-,0'%,)'84%,9$0' facing their industry, the transformational impact of which is now evident.” - Winnie Badiah V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ D&%00(--/0'_+2%'4%0'j3+8O6:'>$8-2$'-,$'-1'U1&+8%;0' B%96+,$' V%/$9-&:'' 2-0/'+,,-.%/+.$'+,03&/$84'8-2=%,+$0*'0$$O+,9'/-' b,,-.%/+-,7'b,8630+-,7' b,03&%,8$ =&-2-/$'1+,%,8+%6'+,8630+-,'>:'2%/84+,9'830/-2$&0' b,03&%,8$7 [5,$&04+='' 5+/4'2+8&-+,03&%,8$'=&-)38/07'V3&&$,/6:*'+/0'2%&O$/I W-8%/$)'' a&+.%/$ 1%8+,9'F%%F'=6%/1-&2*'?%db,03&$*'%66-50'+,)+.+)3%60' S$,:% Staf /-'/&%8O'/4$+&'+,03&%,8$'=-6+8+$0'+,'%'0+,96$'=6%8$'0-' ^$%&'@-3,)$)'' ! !!!! %0'/-'+,8&$%0$'/4$'0+2=6+8+/:*'/&%,0=%&$,8:'%,)'8-0/I ' C6$&'m'#+0&3=/-& ?%2>393'KVB[N ?$>0+/$'' 55579&2+8&-+,03&%,8$78-2 P] `:=$&'U,,% lT%84+,$0'4%.$'4+0/-&+8%66:'0/&3996$)'5+/4'3,)$&0/%,)+,9'/&3$'+,/$,/+-,'+,'8-,.$&0%/+-,7'B4$0$',3%,8$0*' 54+84'432%,0')$08&+>$'%0'h&$%)+,9'>$/5$$,'/4$'6+,$0;*'%&$'+,8&$)+>6:'+2=-&/%,/'+,'%'>30+,$00'8-,/$A/777' Anna allows you to communicate as if you were speaking to a colleague.” - Natalie Nguyen V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Hyper Anna is an artifcial intelligence-powered data B%96+,$' V%/$9-&:'' %,%6:0/'/4%/'=&-)38$0')%/%'%,%6:/+80'+,'/4$'1-&2'-1' Artifcal Intelligence for #%/%'%,)'U,%6:/+80 5&+//$,'8-)$*'84%&/0'%,)'+,0+94/0'%>-3/'O$:'>30+,$00' U,%6:/+80 [5,$&04+='' )&+.$&07'B4$'8-2=%,:'+0'0$$O+,9'/-')+0&3=/'/4$')%/%' W-8%/$)'' a&+.%/$ science market by providing simplifed and timely U30/&%6+% Staf 0/&%/$9+8'+,0+94/0*'%,)'1-830$0'-,'=&-.+)+,9'/4+0'0$&.+8$' ^$%&'@-3,)$)'' !!!!! in the fnancial services sector. ' C6$&'m'#+0&3=/-& Founder), Sam Zheng (CTO/ ($+,.$,/3&$'D&-3= V-I@-3,)$&N ?$>0+/$'' 55574:=$&%,,%78-2 79 b>%,@+&0/ “By moving forward on this project, we have become the frst payment institution to have the ability to create iBans on the fy. Beyond the cross-border payment component, we realized that it was possible to develop a range of online banking services based on the iBan.” - Pierre-Antoine Dusoulier V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ @-3,)$)'+,'C%,O+,9'0$&.+8$0 #+9+/%6'83&&$,8+$0 banks to provide entrepreneurs with a simplifed W-8%/$)'' [5,$&04+='' fnancial operations management system. The system _$69+32 a&+.%/$ =&-.+)$0'$A84%,9$'&%/$0'+,'&$%6'/+2$'+,'%))+/+-,'/-' ^$%&'@-3,)$)'' Staf 0+2=6+1:+,9'/4$'=%:2$,/0'=&-8$00'1-&'8-2=%,+$0' C-%&)$&07 ' S$:'a$-=6$'' F+d$ a+$&&$IU,/-+,$'#30-36+$&' Notable Investors 7(7(7(7(7 KVM[m@-3,)$&N*'a%/&+8O' Xavier Niel M,%>6$&'m'#+0&3=/-& T-66%&)'KV[[N*'W%3&$,/' T%630O+'KVB[N ?$>0+/$'' www.ibanfrst.com ]< +:d+8- l[3&'9-%6'+0'/-'>$8-2$'/4$'F/&+=$'-1'/4$'&$9+-,t'`%.+,9'>$8-2$'/4$'6$%)+,9'=%:2$,/'0-63/+-,'1-&'-,6+,$' businesses and enterprises in Turkey, Iyzico is enthusiastic to take its technology global.” I'_%&>%&-0'wd>393/3 V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ @-3,)$&'+,'C36*'+:d+8-'=&-.+)$0'-,6+,$' B%96+,$' V%/$9-&:'' 8-2=%,+$0'5+/4'%'0$83&$'=%:2$,/'2%,%9$2$,/'0:0/$27' MA=%,)':-3&'_30+,$00'Z'F/%&/' a%:2$,/0 B4$'6-8%6'=%:2$,/'0$&.+8$'=&-.+)$&'KaFaN'$,%>6$0'02%66' F$66+,9'+,'B3&O$: [5,$&04+='' >30+,$00$0'/-'+,/$9&%/$'=%:2$,/'+,0/%62$,/'-=/+-,0*' W-8%/$)'' a&+.%/$ 6-:%6/:'1$%/3&$0'%,)'%'/&%,0=%&$,/'0$//6$2$,/'=&-8$007' B3&O$: Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C%&-0'wd>393/3'KVM[m M,)$%.-3&'V%/%6:0/*'F=$$)+,.$0/*'C!C*'a%84+86$'b,.$0/ M,%>6$&'m'#+0&3=/-& V-I1-3,)$&N*'B%40+,'b0+,' KVB[mV-I1-3,)$&N ?$>0+/$'' 5557+:d+8-78-2 ]! S$,04- “While a search engine can only fnd pages with existing analyses, Kensho can generate original answers >:'%,%6:d+,9'&$6%/+-,04+=0'>$/5$$,'$.$,/0*'+,863)+,9',%/3&%6')+0%0/$&0*'=-6+/+8%6')$.$6-=2$,/0*'8-&=-&%/$' earnings announcements, product launches and FDA drug approvals.” - Daniel Nadler V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ S$,04-'+0'%')%/%'%,%6:/+80'%,)'2%84+,$'6$%&,+,9'8-2=%,:' B%96+,$' V%/$9-&:'' 54+84'30$0'/$84,-6-9:'/-'0$&.+8$'9-.$&,2$,/'%,)' D6->%6'U,%6:/+807'B$84,-6-9:' #%/%'%,)'U,%6:/+80 8-22$&8+%6'+,0/+/3/+-,0'0$$O+,9'/-'=&-8$00'6%&9$')%/%' /4%/'>&+,90'/&%,0=%&$,8:'/-' [5,$&04+='' 0$/0'/-'8&$%/$'0-63/+-,0'/-'&$%6I5-&6)'+003$07'B4$'/$%2' 8-2=6$A'0:0/$207 a&+.%/$ 8-2$'1&-2'%'&%,9$'-1'>%8O9&-3,)0*'+,863)+,9'0$.$,' W-8%/$)'' Staf 2$2>$&0'-1'/4$'-&+9+,%6'U==6$'+a4-,$'$,9+,$$&+,9'/$%2*' R,+/$)'F/%/$0 !!!!! a4#'=4:08+80/0'%,)''k3%,/32'V-2=3/+,9'a4#07 ' ^$%&'@-3,)$)'' F+d$ C6$&'m'#+0&3=/-& Daniel Nadler (CEO/Co- V+/+9&-3=*'D-6)2%,'F%840*'_&$:$&'V%=+/%6*'?$660'@%&9-' 1-3,)$&N*'a$/$&'S&30O%66'KVB[m Y'V-2=%,:*'_%,O'-1'U2$&+8%'T$&&+66'W:,84*'FYa'D6->%6*' V-I1-3,)$&N @+,B$84'F%,)>-A ?$>0+/$'' 5557O$,04-78-2 ]C S&$)H “There are 36 million SMEs in India. Many of these often struggle to keep their cash fow intact and 8%,'4%&)6:'5+/40/%,)'/4$'>3&)$,'-1'6%/$'=%:2$,/07'B4$:'%&$'+,')+&$',$$)'1-&'5-&O+,9'8%=+/%67'?+/4'-3&' technology platform, we are helping them get access to working capital.” - Manish Kumar V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ S&$)H'+0'%')-3>6$I0+)$)'2%&O$/'=6%8$'/4%/'2%/84$0'FTM0' B%96+,$' V%/$9-&:'' 0$$O+,9'$%0:I%88$00'/-'5-&O+,9'8%=+/%6'5+/4'+,.$0/-&0' V-,,$8/+,9'_30+,$00$0'5+/4' a%:2$,/0 6--O+,9'1-&'%,'%>-.$I%.$&%9$':+$6)'-,'04-&/I/$&2' b,.$0/-&0 [5,$&04+='' +,.$0/2$,/07'b/0'[,6+,$'_+66'#+08-3,/+,9'=6%/1-&2'$,%>6$0' W-8%/$)'' a&+.%/$ >30+,$00$0'/-'0$66'3,=%+)'+,.-+8$0'%/'%')+08-3,/'/-' b,)+% Staf investor networks comprising HNIs, family ofces, funds ^$%&'@-3,)$)'' !!!!! %,)'>%,O07 ' C6$&'m'#+0&3=/-& V-I1-3,)$&N*'U,3&%9'c%+,' KMA$83/+.$'#+&$8/-&mV-I 1-3,)$&N ?$>0+/$'' 5557O&$)A78-2 ]" W$,)+1: “We want to streamline the market for loans and make risk-based pricing instead of cost-based.” - Nicholas Sundén-Cullberg V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ _%0$)'+,'F5$)$,*'W$,)+1:'+0'%,'-,6+,$'8&$)+/'2%&O$/=6%8$' B%96+,$' V%/$9-&:'' /4%/')$2-8&%/+0$0'8-,032$&'8&$)+/'>$/5$$,'+,)+.+)3%607' F5$)$,;0'6%&9$0/'2%&O$/=6%8$' W$,)+,9 By removing traditional fnancial institutions from the 1-&'6-%,0 [5,$&04+='' /&%)+/+-,%6'6$,)+,9'&$6%/+-,04+=*'W$,)+1:'8%,'=&-.+)$' W-8%/$)'' a&+.%/$ 8&$)+/'%/'%'6-5'8-0/'/-'>-&&-5$&0'%,)'1%8+6+/%/$'4+94$&' F5$)$, Staf &$/3&,0'1-&'+,.$0/-&07 ^$%&'@-3,)$)'' !!!!!' C6$&'m'#+0&3=/-& (CEO/Co-founder), Nicholas F3,)r,IV366>$&9'KVM[mV-I 1-3,)$&N ?$>0+/$'' 55576$,)+1:70$ ]E W$.$&+0 lB4$'=&->6$20'%&$'%==%&$,/'%,)'/4%/;0'54$&$'5$;&$'8-2+,9'1&-27'B4+0'+0'%'0:0/$2')$0+9,$)'/-'%))&$00' a specifc problem so the banks are defnitely reaching a point where they understand the nature of the problem - And that problem is increasing in velocity.” - Conor Fennelly V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W$.$&+0'+0'%'86-3)I>%0$)'_%%F'=6%/1-&2'/4%/'$,%>6$0'%' B%96+,$' V%/$9-&:'' range of players to enter the fnancial services industry, U'&->30/*'236/+=3&=-0$' _%,O+,9 1&-2'/&%)+/+-,%6'%,)'84%66$,9$&'>%,O0'/-'6$,)$&0*'8&$)+/' >%,O+,9'=6%/1-&2'>3+6/'5+/4' [5,$&04+='' unions and consumer brands. Its core product ofering 2-)36%&+/:'%/'/4$'8-&$ a&+.%/$ +0'%'1366:I/&%,0=%&$,/'=6%/1-&2'/4%/'30$0'-=$,'0/%,)%&)' W-8%/$)'' Staf 1-&2%/0*'Uab0'%,)'=&-/-8-60'/-'1%8+6+/%/$'/4+0'6$,)+,9' b&$6%,) !!!!! =&-8$007 ' ^$%&'@-3,)$)'' F+d$ C6$&'m'#+0&3=/-& V-,-&'@$,,$66:'KVM[m a%&/,$&0 @-3,)$&N ?$>0+/$'' 55576$.$&+078-2 ]G W:)+% l?$'0/%&/$)'+,'@&%,8$t'%,)'5$'&$%66:'1-830$)'-,'/4$'2+66$,,+%60*'/4$':-3,9'8&-5)*'/4$'0/3)$,/0'-,'8-66$9$' 8%2=30$0*'>$8%30$'/4$:'4%)'%66'/4$0$',$$)0'%/'/4$'0%2$'/+2$'%>-3/'aCa*'=%:+,9'>%8O'$%84'-/4$&*' sharing their rent, getting money from their parents. ” - Cyril Chiche V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ W:)+%'+0'%'8-,032$&'=%:2$,/0'0:0/$2'/4%/'$,%>6$0' B%96+,$' V%/$9-&:'' 30$&0'/-'2%O$'=%:2$,/0'/-'-,$'%,-/4$&'.+%'%'2->+6$' U66':-3&'=%:2$,/',$$)0'I'+,' a%:2$,/0 %==6+8%/+-,7'b/0'+,+/+%6'/%&9$/'2%&O$/'5%0'8-66$9$' -,$'%== [5,$&04+='' 8%2=30$0*'>3/'+/'4%0'0+,8$'2-.$)'/-'&$/%+6'84%+,0'%,)' W-8%/$)'' a&+.%/$ $I8-22$&8$'=6%/1-&207 @&%,8$ Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C6$&'m'#+0&3=/-& a-&/$'KVB[N ?$>0+/$'' 55576:)+%I%==78-2 ]X T%8&-.3$ “At the moment we want to focus on Australia and getting it out as much as we can over here. Next year 5$'5+66'6--O'%/'-==-&/3,+/+$0'-.$&0$%0t'B4$'2%&O$/0'+,'U2$&+8%'%&$'j3+/$'0%/3&%/$)*'54+60/'5+/4'U0+%'/4$&$' are not that many options for consumers so there’s more opportunities for startups like us.” - Sid Sahgal V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ T%8&-.3$'$,%>6$0'30$&0'/-'+,.$0/'+,'96->%6'=-&/1-6+-0' B%96+,$' V%/$9-&:'' 54+84'%&$'=$99$)'/-'/&$,)0'0384'%0'86$%,'/$84'%,)' B4$'02%&/$0/'5%:'/-'%88$00' ?$%6/4 5%/$&'08%&8+/:'-&'/4$'0+6.$&'4%+&$)'$8-,-2:*'/4&-394' 96->%6'2%&O$/07 [5,$&04+='' /4$2%/+8'+,.$0/+,97'U1/$&'+)$,/+1:+,9'=-&/1-6+-'/4$2$0' W-8%/$)'' a&+.%/$ %,)'&$6$.%,/'0/-8O0*'%'j3%,/+/%/+.$'2-)$6'8&$%/$0'%' U30/&%6+% Staf 04-&/6+0/'-1'&$6$.%,/'0/-8O0'54-'=&-.+)$'/4$'=--6'1&-2' ^$%&'@-3,)$)'' !!!!! 54+84'8-2=-,$,/'+,.$0/2$,/0'%&$'0$6$8/$)'>%0$)'-,' ' C6$&'m'#+0&3=/-& @-3,)$&N*'#$.'F+,4%'K`$%)' UTa*'c%2$0'D--)5+,*'b,8$=/+-,'U00$/'T%,%9$2$,/*' -1'b,.$0/2$,/'a&-)38/mV-I `C'g$,/3&$0 @-3,)$&N ?$>0+/$'' 55572%8&-.3$78-27%3 ]P T-,$:T$'@+,%,8+%6'D&-3= l?$'0%+)'5$'5$&$'9-+,9'/-')-'0-2$/4+,9'%,)'5$')+)'+/7'b/'%66-5$)'/4$'+,.$0/2$,/'8-223,+/:'/-' understand the product and market, have confdence in our business model and that we’ll stay true to what we said we would.” - Clayton Howes V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ T-,$:T$'/%&9$/0'2+66$,,+%6'U30/&%6+%,0'>:'0$$O+,9' B%96+,$' V%/$9-&:'' /-'=&-.+)$'%88$00'/-'04-&/'/$&2'8%04'6-%,0'-1'3='/-' D$/'3='/-'\!<*<<<'1%0/ W$,)+,9 \!<*<<<''h54$,$.$&'%,)'54$&$.$&;'/4$:'%&$',$$)$)7'B4$' W-8%/$)'' [5,$&04+='' core product ofering is based on a customer-centric U30/&%6+% a&+.%/$ value-add which prioritises innovation and fnancial ^$%&'@-3,)$)'' Staf &$0=-,0+>+6+/:*'>%6%,8+,9'/4$'0=$$)'-1'&%=+)'-,6+,$' C6$&'m'#+0&3=/-& ?$>0+/$'' 55572-,$:2$78-27%3 ]] T-,$:/&$$ lB4$'2-,$:'/4%/'5$;.$'&%+0$)'+0'/-'08%6$'/4$'=6%/1-&2*'T-,$:/&$$'W+,O*'54+84'+0'%'>-//-2'3='8-,,$8/+.+/:' platform connecting individuals and businesses with fnancial institutions. We’re also pleased to say that we will be coming to the Australian market shortly.” - Ross Sharrott V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ T-,$:/&$$'=&-.+)$0'04-&/I/$&2'8-,032$&'6-%,0'/4&-394' B%96+,$' V%/$9-&:'' +/0'2->+6$'>%,O+,9'%==7'b/'8-,0-6+)%/$0'>%,O'%88-3,/0*' [,$'4-30$4-6)'%88-3,/'>--O' ?$%6/4 credit cards, digital money and loyalty points, and ofers 1-&'6+1$ [5,$&04+='' /--60'/-'30$&0'/-'%00+0/'5+/4'/4$'8-,/&-6'%,)'2%,%9$2$,/' W-8%/$)'' a&+.%/$ of their fnancial information. c%=%, Staf ^$%&'@-3,)$)'' !!!!! Notable Investors ' C6$&'m'#+0&3=/-& a%36'V4%=2%,'KVM[mV-I V%=+/%6*'T+/03>+04+'R@c'V%=+/%6*'FT@D @-3,)$&N*'T%&O'T%O)%)'KV-I @-3,)$&N*'c-,%/4%,'M=0/$+,' KV4%+&2%,N ?$>0+/$'' 55572-,$:/&$$7L= 89 Neo Growth lB4$')+9+/%6'=%:2$,/'0=%8$'+0'>+99$&'/4%,'54%/'5$'+2%9+,$)t'U66'/4+0'2$%,0'%'.$&:'6%&9$'2%&O$/' opportunity. NeoGrowth is looking at leading this market in India.” - Piyush Khaitan V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Neo Growth provides unsecured credit at quick B%96+,$' V%/$9-&:'' turnaround times, with fexible payment options, to SMEs vD$/'>30+,$00'6-%,0 W$,)+,9 +,'b,)+%7'B4$'0:0/$2'=&-.+)$0'a-FI>%0$)'8%04'%).%,8$0' W-8%/$)'' [5,$&04+='' %,)'30$0'/$84,-6-9:'/-'2-,+/-&'&$=%:2$,/0'54+84'%&$' b,)+% a&+.%/$ 2%)$'+,')%+6:'+,0/%62$,/07' ^$%&'@-3,)$)'' Staf C6$&'m'#+0&3=/-& @-3,)$&*'V4%+&2%,N ?$>0+/$'' 5557,$-9&-5/47+, 90 Neyber lB4$&$'5%0,;/'%'&$%6'.%63$'=&-=-0+/+-,'1-&'>-&&-5$&07'b/'5%0'6%&9$6:'/%&9$/+,9'/4-0$'54-'8-36)'%6&$%):'9$/' loans from banks. I didn’t really feel that it was a sufcient solution.” - Martin Ijaha V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Based in the UK, Neyber creates partnerships with B%96+,$' V%/$9-&:'' $2=6-:$&0'+,'-&)$&'/-'=&-.+)$'$2=6-:$$0'5+/4'%'&%,9$' Taking care of the fnancial ?$%6/4 of fnancial management products, including salary- 5$66>$+,9'-1'RS'$2=6-:$$0 [5,$&04+='' deducted loans and fnancial education. Its clients include W-8%/$)'' a&+.%/$ RS'a-6+8$'F$&.+8$*'W-,)-,'V+/:'U+&=-&/*'U,96+%,'?%/$&*' R,+/$)'S+,9)-2 Staf NHS Trusts and FTSE-listed frms. ^$%&'@-3,)$)'' !!!!!' C%6'V%=+/%6 M,%>6$&'m'#+0&3=/-& @-3,)$&N*'Md$84+'_&+//-,' KVB[mV-I@-3,)$&N*'T-,+8%' S%6+%'KV4+$1'-1'F/&%/$9:'%,)' _#TmV-I@-3,)$&N ?$>0+/$'' 5557,$:>$&78-73O 9191 a%:@+/ 'lb1':-3'6--O'%/'%'@&$,84'=%:06+=':-3;66'3,)$&0/%,)'54:'5$;&$'0-',$$)$)*'/4$&$'%&$'%&-3,)'E<'6+,$0'-1' technical details that most of us don’t understand at all.” - Firmin Zocchetto V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ a%:@+/'=&-.+)$0'%')+9+/+0%/+-,'0$&.+8$'1-&'`('%,)'=%:&-66' B%96+,$' V%/$9-&:'' )$=%&/2$,/0'>:'$,%>6+,9'$2=6-:$&0'/-'2%,%9$'%' a%:+,9'$2=6-:$$0'4%0',$.$&' a%:2$,/0 &%,9$'-1'%)2+,+0/&%/+.$'/%0O0'0384'%0'=%:06+=0*'0-8+%6' >$$,'$%0+$& [5,$&04+='' statements, leave and employee benefts. W-8%/$)'' a&+.%/$ @&%,8$ Staf Notable Investors ^$%&'@-3,)$)'' !!!!!' Accel Partners, Xavier Niel, Otium Capital, The Family, C6$&'m'#+0&3=/-& @-3,)$&N*'@6-&+%,'@-3&,+$&' KV-I@-3,)$&N*'D4+06%+,')$' @-,/$,%:'KVB[mV-I@-3,)$&N ?$>0+/$'' www.payft.com 92 a6:,O l?$;&$'6-8%6+0+,9'a6:,O'+,'0$.$&%6'6%,93%9$0'%,)'83&&$,8+$0'-.$&'/4$',$A/':$%&'+,863)+,9'F=%+,*'a-&/39%6' %,)'/4$'&$0/'-1'/4$'MMU7'[3&'9&-5/4'=6%,'+0'0/+66'/-'>$8-2$'%'.$&>'+,'$.$&:'M3&-=$%,'6%,93%9$*'9&-5'-3&' team, and continue development on our core product.” - Charles Dowd V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ a6:,O'+0'%'2->+6$'=%:2$,/0'=6%/1-&2'54+84'1%8+6+/%/$0' B%96+,$' V%/$9-&:'' 2-,$:'/&%,01$&0'>$/5$$,'+,)+.+)3%60'5+/4-3/'&$6:+,9'-,' a6:,O'+0'/4$',$5'2$00%9+,9' a%:2$,/0 %88-3,/',32>$&0'-&'8-)$'8%&)07'B4$'0:0/$2'13,8/+-,0' app you can’t aford to live [5,$&04+='' /4&-394'%'2$00%9+,9'%=='%,)'6$.$&%9$0'/4$'30$'-1'0-8+%6' 5+/4-3/ a&+.%/$ 2$)+%'/-')&+.$'9&-5/4'%2-,9'+/0'2+66$,,+%6'830/-2$&07 W-8%/$)'' Staf b&$6%,) ! !!!! Notable Investors ' ^$%&'@-3,)$)'' F+d$ Prive-Swiss, Enterprise Ireland, Delta Partners, NDRC C6$&'m'#+0&3=/-& V4%&6$0'#-5)'KV-I@-3,)$&m VM[N*'V6+.$'@-6$:'KV-I @-3,)$&N ?$>0+/$'' 5557=6:,O72$ 93 a-8O+/ l_:'6%3,84+,9'%'6-5I8-0/'&$2+//%,8$'0$&.+8$'a-8O+/'+0'0%.+,9'-3&'830/-2$&0'2-,$:'%,)'=&-.+)+,9'%'0$&.+8$' that suits their lives. We expect it to be very attractive to our core customers who fnd it difcult to access conventional fnancial services for many reasons.” - Virraj Jatania V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ a-8O+/'/%&9$/0'830/-2$&0'54-'4%.$'>$$,'$A863)$)'>:' B%96+,$' V%/$9-&:'' incumbent fnancial institutions following changes in No-nonsense banking a%:2$,/0 personal or fnancial circumstances. An account can be W-8%/$)'' [5,$&04+='' -=$,$)'5+/4+,'2+,3/$0*'%,)'830/-2$&0'%&$'=&-.+)$)' R,+/$)'S+,9)-2 a&+.%/$ 5+/4'%,'-,6+,$'%88-3,/*'8-,/%8/6$00'T%0/$&V%&)'%,)' ^$%&'@-3,)$)'' Staf 2-,$:I2%,%9$2$,/'%==7'B4$'8-2=%,:'83&&$,/6:'0$&.$0' C6$&'m'#+0&3=/-& Notable Investors ?$>0+/$'' 5557=-8O+/78-2 Concentric, Belcube, Jon Moulton, Mark Newton-Jones, F+&'U6$A'@$&930-,*'#%,,:'c%/%,+%*''S$.+,'($:,-6)0*'V-6+,' `%&&+0*'%,)'F/3%&/'T+))6$/-,7 94 k-,/- ”Qonto, smart banking for small businesses, is the service that allows you to open a 100% online account, 4%.$':-3&'>%,O'%88-3,/'+,'G'2+,3/$0'%,)'-&)$&'=4:0+8%6'-&'.+&/3%6'8%&)0'/-'+,/$66+9$,/6:'/&%8O'%66'/4$' expenses of the company.” - Alexandre Prot V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Qonto targets SMEs by combining a range of fnancial B%96+,$' V%/$9-&:'' 03==-&/'0$&.+8$0'5+/4'%'0+2=6$'>%,O'%88-3,/7'B4$'0$&.+8$' B4$'!< 95 (%+0+, l?$'=&-.+)$'%'.$&:'0/&%+94/1-&5%&)'%,)'1366:I-,6+,$'%88-3,/'-=$,+,9'=&-8$00'%0'5$66'%0'%'-,$I0/-=' 0-63/+-,'/-'2%,%9+,9'236/+=6$'0%.+,90'%88-3,/07'[3&'0$&.+8$'+0'/&%,0=%&$,/'%,)'/4$&$'%&$',-'4+))$,'1$$0' for our customers.” - Tamaz Georgadze V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ (%+0+,'4%0'>$8-2$'M3&-=$;0'>+99$0/'8&-00I>-&)$&' B%96+,$' V%/$9-&:'' 0%.+,90'=6%/1-&2*'$,%>6+,9'830/-2$&0'%88$00'/-'/4$' (%+0$':-3&'+,/$&$0/'5+/4' @+,%,8+%6'=&-)38/' 2-0/'8-2=$/+/+.$'+,/$&$0/'&%/$0'%8&-00'/4$'8-,/+,$,/*' M3&-=$;0'v!')$=-0+/' 2%&O$/=6%8$ 1&$$I-1I84%&9$7'B4$'8-2=%,:'+0'$,/$&+,9')+0/&+>3/+-,' 2%&O$/=6%8$ [5,$&04+='' partnerships with a range of other fntech providers and W-8%/$)'' a&+.%/$ /&%)+/+-,%6'>%,O0'/-'$A=%,)'+,/-'+,.$0/2$,/'=&-)38/0'%,)' D$&2%,: Staf >30+,$00'86+$,/07 ^$%&'@-3,)$)'' !!!!!' C&+8$'D&+,)%*'@c'W%>0*'_+,-2+%6'g$,/3&$0*'b,)$A' 7(7(7(7(7 @&%,O'@&$3,)'KV@[mV-I Ventures, btov Partners, Thrive Capital, Tom Staford, Yuri M,%>6$&'m'#+0&3=/-& @-3,)$&N*'B%2%d'D$-&9%)d$' T+6,$& KVM[mV-I@-3,)$&N*'T+84%$6' F/$=4%,'KV[[mV-I@-3,)$&N ?$>0+/$'' 5557&%+0+,78-2 96 (+>: “When it comes to fnance, the banks cannot solve all the problems and we discovered it was a faster route to scale.” - Salami Abolore V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Based in Nigeria, Riby enables cooperatives, company B%96+,$' V%/$9-&:'' groups, employees, individuals, associations, and fnancial `$%6/4:'@+,%,8$7'_$//$&'W+1$7 ?$%6/4 )$.$6-=2$,/'+,0/+/3/+-,0'%'=6%/1-&2'/-'2%,%9$'/4$+&' W-8%/$)'' [5,$&04+='' fnancial activities. It enables digitisation of collaborative Nigeria a&+.%/$ 0%.+,9*'6$,)+,9'%,)'+,.$0/2$,/0'5+/4'/4$'36/+2%/$'%+2'-1' ^$%&'@-3,)$)'' Staf increasing fnancial literacy amongst individual members C+6$' ' S$:'a$-=6$'' app, and ofers features including personal savings, F+d$ F%6%2+'U>-6-&$'KVM[N 8--=$&%/+.$'0%.+,90'%,)'6-%,'2%,%9$2$,/*'=$$&I/-I R,)+086-0$) ?$>0+/$'' =$$&'6$,)+,9*'%9$,/'2%,%9$2$,/'%,)'=$&0-,%6'%,)'9&-3=' M,%>6$&'m'#+0&3=/-& 5557&+>:72$ +,.$0/2$,/'2%,%9$2$,/7 97 F%/+0=%: lB4$'2-)$6'/4%/'5$'8-,0/&38/$)'+0')+&$8/6:'6+,O$)'/-'/4$'+,/$&>%,O',$/5-&O'%66-5+,9'30'/-'>:=%00'%66'-1' the intermediary payment processors that are traditionally involved with payments. This new efciency meant drastically reducing the costs involved in moving money.” - Alberto Dalmasso V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ `$%)j3%&/$&$)'+,'b/%6:*'F%/+0=%:'+0'%'2->+6$'=%:2$,/0' B%96+,$' V%/$9-&:'' 8-2=%,:'/4%/'-=$&%/$0'+,)$=$,)$,/6:'1&-2'/&%)+/+-,%6' T%O$'/4$'02%&/'84-+8$'54$,' a%:2$,/0 )$>+/'%,)'8&$)+/'8%&)0'/-'1%8+6+/%/$'=$$&I/-I=$$&' 2-.+,9':-3&'2-,$:7 [5,$&04+='' =%:2$,/0*'%0'5$66'%0'=%:2$,/0'1&-2'+,)+.+)3%60'/-' W-8%/$)'' a&+.%/$ 2$&84%,/07'B4$'0:0/$2'%66-50'30$&0'/-'=%:'+,'=4:0+8%6' b/%6: Staf %,)'-,6+,$'0/-&$07 ^$%&'@-3,)$)'' !!!!!' C$&/-'#%62%00-'KVM[m Ray Iglesias, U-Start, Giuseppe Donagemma, Nicolas M,%>6$&'m'#+0&3=/-& V-I@-3,)$&N*'F%23$6$' V%&>-,%&+*'c-,%/4%,'?$+,$& a+,/%'K@+,%,8$'V-,/&-6'Y' F/&%/$9+8'T%,%9$2$,/mV-I @-3,)$&N*'#%&+-'_&+9,-,$'KbB'Y' [&9%,+0%/+-,mV-I@-3,)$&N ?$>0+/$'' 55570%/+0=%:78-2m$, 98 F$,0+>+66 “Our app allows bank customers to get their receipts in a few diferent ways... They can take a picture -1'/4$+&'&$8$+=/'%,)'/4$'%=='5+66'$A/&%8/'%,)')+9+/+d$'/4$'+,1-&2%/+-,'0-'/4$:'8%,')-'.%&+-30'/4+,90'6+O$' expense specifc items, as well as track returns and warranty information.” - Corey Gross V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ F$,0+>+66'+0'%'54+/$I6%>$6'F%%F'=6%/1-&2'/4%/'/%&9$/0' B%96+,$' V%/$9-&:'' fnancial institutions seeking to improve their mobile S,-5':-3&'830/-2$&0*'-,$' _%,O+,9 >%,O+,9'%==6+8%/+-,0'>:'=&-.+)+,9'%'2%,%9$2$,/' &$8$+=/'%/'%'/+2$ [5,$&04+='' 0:0/$2'1-&'=%=$&'%,)')+9+/%6'&$8$+=/07'B4$'0:0/$2' W-8%/$)'' a&+.%/$ %60-'9$,$&%/$0')%/%'+,0+94/0'>:'%,%6:0+,9'=3&84%0$' V%,%)% Staf +,1-&2%/+-,'/-')&+.$'$,9%9$2$,/'5+/4'>%,O0;'-/4$&' ^$%&'@-3,)$)'' !!!!! digital products and oferings. ' C6$&'m'#+0&3=/-& c%2+$'U6$A%,)$&'KVB[m [=$,B$A/'M,/$&=&+0$'U==0'@3,)*'(:$&0-,'@3/3&$0*'T+0/&%6' @-3,)$&N g$,/3&$'a%&/,$&0*'b,1-&2%/+-,'g$,/3&$'a%&/,$&0*'F+A' ?$>0+/$'' Fj3%&$)'V%=+/%6 55579$/0$,0+>+6678-2 99 F4$&=% l?$'4%.$'8-2=6$/$6:'&$I/4-394/'/4$'5%:'+,03&%,8$'4%0'5-&O$)'1-&'43,)&$)0'-1':$%&0*')-+,9'%5%:'5+/4' the concept of the insurance ‘product’ and inventing a new, holistic way of underwriting risk.” - Chris Kaye V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ F4$&=%'$,%>6$0'=$&0-,%6+0$)'+,03&%,8$'/-'>$'=&-.+)$)'/-' B%96+,$' V%/$9-&:'' %66'30$&07'B4$'/%+6-&$)'+,03&%,8$'=%8O%9$0'%&$'3,>+%0$)' Insurance. Now it’s personal b,03&%,8$ %,)'/&30/5-&/4:'5+/4')%/%'%,6%:/+80'30$)'%0'%'/--6'/-' W-8%/$)'' [5,$&04+='' =&-/$8/'30$&0'%,)'/4$+&'1%2+6+$07'a-6+8+$0'%&$'0/&$%26+,$)' T%6/% a&+.%/$ /-'&$2-.$'8-,.-63/$)'8-22+00+-,0'%,)'+,0/$%)*'/-' ^$%&'@-3,)$)'' Staf =&-)38$'%'0+,96$*'8-,0-6+)%/$)'%88-3,/'/4%/'%))&$00$0' C0+/$' b,03&B$847.8*'T+84$66$'a%+06$: M,%>6$&'m'#+0&3=/-& 5557L30/04$&=%78-2 !<< F+6$,/] “Every time we get into production, we stop fnancial crime, we stop money from fowing to be used for illegal arms purchase or to fnance some terrorist activities, that’s one way of being rewarded for what we are doing.” - Martin Markiewicz V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Silent8 utilises artifcial intelligence, machine learning B%96+,$' V%/$9-&:'' %,)'.%&+-30'/$84,-6-9+$0'/-'%))&$00'2-,$:'6%3,)$&+,9' Leveraging Artifcial V:>$&'F$83&+/: and terrorist fnancing issues. By improving the due b,/$66+9$,8$'U9%+,0/'T-,$:' [5,$&04+='' diligence processes for banks and fnancial institutions, W%3,)$&+,9'%,)'B$&&-&+0/' a&+.%/$ the transparency and integrity of the fnancial system @+,%,8+,9 Staf 8%,'>$'+2=&-.$)7'U'432%,'1&+$,)6:'1-&236%'+0'%)-=/$)' W-8%/$)'' !!!!! to efectively analyse complex volumes of data using F+,9%=-&$ ' artifcial intelligence. Financial institutions and banks can F+d$ ^$%&'@-3,)$)'' see greater efciency and productivity by cutting out the C6$&'m'#+0&3=/-& %6$&/0'%&$',-/'2+00$)7 T%&/+,'T%&O+$5+8d'KVM[mV-I @-3,)$&N Notable Investors ?$>0+/$'' V&:0/%6'`-&0$'b,.$0/2$,/*'c@#b*'?%.$2%O$&'a%&/,$&0 55570+6$,/$+94/78-2 ! l?$'%&$'%'>3,84'-1'>%,O$&0'5+/4'%'=%00+-,'1-&'/$84,-6-9:'%,)')+9+/%6'+,,-.%/+-,0'54-'1-3,)'/4+0'=&->6$2' >+9'%,)'2$%,+,9136'$,-394'/-'j3+/'-3&')$8%)$I-6)'8%&$$&0'+,'96->%6'>%,O07'T-0/'-1'30'%&$'+,'-3&'"<;07'?$' were born in diferent parts of the world, but our paths crossed in Singapore.” - Hari Sivan V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ F-V%04'%))&$00$0'8%04'6-9+0/+8'+003$0'1-&'>%,O0'>:' B%96+,$' V%/$9-&:'' %))+,9'%'=$$&'/-'=$$&'%,)'0-8+%6'$6$2$,/7'M.$&:'04-=' [3&'2+00+-,'+0'/-'0-6.$'8%04' _%,O+,9 +0'/&%,01-&2$)'+,/-'%'08%6%>6$')+9+/%6*'8%04')+0/&+>3/+-,' 6-9+0/+80'1-&'>%,O0 [5,$&04+='' ,$/5-&O'54$&$'30$&0'8%,'3/+6+0$'/4$'04%&$)'$8-,-2:' W-8%/$)'' a&+.%/$ /-'+2=&-.$'8%04'8+&836%/+-,07'F-V%04'>&+)9$0'/4$'9%=' F+,9%=-&$ Staf >$/5$$,'/4$'>%,O'%,)'830/-2$&'30+,9'%'2->+6$'%=='%0' ^$%&'@-3,)$)'' ! !!!! customers have the fexibility to safely access their cash ' C6$&'m'#+0&3=/-& -1'a&-9&%2'T%,%9$2$,/m T-,$/%&:'U3/4-&+/:'-1'F+,9%=-&$'KTUFN' @-3,)$&N*'`%&+'F+.%,'K@-3,)$&*' VM[N ?$>0+/$'' 55570-8%04709 ! l?$'4$6='=$-=6$'54-')-,;/'4%.$'%'6-/'0%.$'2-,$:'-,'%'5$$O6:'>%0+0t'F/%04$&0'6--O'6+O$'U2$&+8%*'/4$:'6--O' like people you meet every day: they are nurses and teachers and Uber and Lyft drivers.” - Brandon Krieg V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ F/%04'$2=-5$&0'%',$5'9$,$&%/+-,'-1')+.$&0$'+,.$0/-&07' B%96+,$' V%/$9-&:'' The product ofering includes an app or online platform Investing Simplifed ?$%6/4 /4%/'0399$0/0'%'04-&/6+0/$)'0$&+$0'-1'+,.$0/2$,/' W-8%/$)'' [5,$&04+='' -=/+-,0'8-2=6$2$,/$)'5+/4'%).+8$*'03==-&/'%,)' R,+/$)'F/%/$0 a&+.%/$ &$8-22$,)%/+-,07 ^$%&'@-3,)$)'' Staf C+,0-,'Ka&$0+)$,/m %,)'g%6%&'g$,/3&$0 7(7(7(7( 7 V-I@-3,)$&N*'_&%,)-,'S&+$9' M,%>6$&'m'#+0&3=/-& KVM[mV-I@-3,)$&N ?$>0+/$'' 55570/%04+,.$0/78-2 !<"!<" B4$/%(%: lB4$&$;0'%',$$)'1-&'%'8-2=%,:'/4%/'8%,'=&-/$8/'/4$'=4:0+8%6'+,1&%0/&38/3&$'%9%+,0/'3,O,-5,'8:>$&' threats. We solve a problem that was previously believed to be unsolvable.” - Mark Gazit V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ B4$/%(%:'%)-=/0'>+9')%/%'%,%6:/+8'/$84,-6-9:' B%96+,$' V%/$9-&:'' and artifcial intelligence solutions to build custom @&%3)'a&$.$,/+-, #%/%'%,)'U,%6:/+80 %==6+8%/+-,0'%,)'0-6.$'13/3&$'=&->6$207'B4$'=%/$,/$)' W-8%/$)'' [5,$&04+='' %69-&+/420'%&$'%>6$'/-')$/$8/'%,-2%6+$0'-,'%'6+.$*'/+2$6:' b0&%$6 a&+.%/$ >%0+0'54+84'+2=&-.$0'/4$'%883&%8:'-1'/4$'&$036/07' ^$%&'@-3,)$)'' Staf The key customer base includes fnancial institutions, C30+,$00$0'%,)'8&+/+8%6' ' S$:'a$-=6$'' +,1&%0/&38/3&$'=&-.+)$&0'%&-3,)'/4$'5-&6)7'b,)+.+)3%6'30$&0' F+d$ U2+&'U.$&>384'K@-3,)$&N*' &%,9$'1&-2')%/%'08+$,/+0/0'/-'>30+,$00'%,%6:0/07' 7(7(7(7(7 T%&O'D%d+/'KVM[N M,%>6$&'m'#+0&3=/-& Notable Investors ?$>0+/$'' 5557/4$/%&%:78-2 U6+>%>%*'_%,O'`%=-%6+2*'c$&30%6$2'g$,/3&$'a%&/,$&0' KcgaN*'a-%6+2'V%=+/%6'T%&O$/0*'D$,$&%6'M6$8/&+8'KDMN ! l@+,/$84'+0'%'2%L-&'9&-5/4'0$8/-&*'>-/4'+,/$&,%/+-,%66:'%,)'5+/4+,'U30/&%6+%7'U0'%'=&-3)'F-3/4'U30/&%6+%,*'b' fnd it satisfying to launch and grow a major national fntech company from Adelaide.” - Anthony Baum V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ B+8JB-8'8&$%/$0'%,'+,0/%,/*'CC'2+,3/$'6$,)+,9'$A=$&+$,8$' B%96+,$' V%/$9-&:'' with holistic home loan oferings in Australia to date. The U==&-.%6*'[,6+,$'@&-2'F/%&/' @+,%,8+%6'a&-)38/' %==&-.%6'=&-8$00'+,863)$0'=&-=$&/:'.%63%/+-,*'&$%6I/+2$' B-'@+,+047 T%&O$/=6%8$ assessment, ID and fnancial verifcation and home loan W-8%/$)'' [5,$&04+='' )-832$,/%/+-,'9$,$&%/+-,7'S$:'=%&/,$&0'+,863)$'_$,)+9-' U30/&%6+% a&+.%/$ %,)'U)$6%+)$'_%,O*'%0'/4$:'3,)$&5&+/$'B+8JB-8'4-2$' ^$%&'@-3,)$)'' Staf 6-%,07'B+8JB-8'=&-.+)$0'1%0/$&*'2-&$'8-,.$,+$,/'%,)'2-&$' C6$&'m'#+0&3=/-& ?$>0+/$'' 5557/+8/-84-2$6-%,078-2 ! l?$'4$6='>%,O0'2-,$/+d$'/4$'-=$,'>%,O+,9'-==-&/3,+/:'%,)'=%:'>%,O0'%'1$$'-,'$.$&:'/&%,0%8/+-,*'0-'+/;0' all incremental revenue to a bank. This is a win for everyone.” - Steve Kirsch V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ B-O$,'+0'%,'Uab'>%,O+,9'=6%/1-&2'5+/4'/4$'=4+6-0-=4:' B%96+,$' V%/$9-&:'' /-'=&-.+)$'%,'-=$,'%,)'0$83&$'=6%/1-&2'1-&'+,0/%,/'%,)' U88$00'%66'>%,O0'5+/4'-,$'Uab _%,O+,9 0%1$'2-,$:'2-.$2$,/07'B4$'/$%2'+0'8-2=&+0$)'-1'&+84' W-8%/$)'' [5,$&04+='' $A=$&+$,8$0'%,)'>%8O9&-3,)0'1&-2'D--96$*'U2%d-,*' R,+/$)'F/%/$0 a&+.%/$ U==6$*'T+8&-0-1/*'B5+//$&7 ^$%&'@-3,)$)'' Staf C6$&'m'#+0&3=/-& Kga'T%&O$/+,9mV-I@-3,)$&N*' ^->+$'_$,L%2+,'KV-I@-3,)$&N*'' B-))'V6:)$'KV[[N ?$>0+/$'' 5557/-O$,7+- ! lR0$&,%2$0'%,)'=%005-&)0'%&$'/4$'5$%O$0/'6+,O'+,'/4$'8:>$&'0$83&+/:'84%+,*'%,)'$.$&:')%:'%/'B&30-,%'5$' unshackle the false sense of security they’ve given the world.” - Ori Eisen V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ B&30-,%'+0'%'6$%)$&'+,'=&-.+)+,9'0+2=6$'%,)'0$83&$'b)$,/+/:' B%96+,$' V%/$9-&:'' Authentication omni-channel oferings using a cloud #NoPasswords V:>$&'F$83&+/: +)$,/+/:'03+/$7'M.$&:')+9+/%6'+,/$&%8/+-,'+0'%3/4$,/+8%/$)'/-' W-8%/$)'' [5,$&04+='' enhance verifcation and ensure safety. Trusona is a key R,+/$)'F/%/$0 a&+.%/$ driver of the #NoPasswords revolution. ^$%&'@-3,)$)'' Staf C0+/$'' M,%>6$&'m'#+0&3=/-& 5557/&30-,%78-2 ! “Valiant is diferent to a lot of other online lead generator platforms because we’ll always have that human touch element to support customers when they need it.” - Alex Molloy V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ g%6+%,/'@+,%,8$'+0'%,'-,6+,$'>&-O+,9'=6%/1-&2'1-&'FTM0' B%96+,$' V%/$9-&:'' 54+84'$,%>6$0'>-&&-5$&0'/-'2%/84'5+/4'6$,)$&0'+,' `$6='FTM0'0$83&$'6-%,0' W$,)+,9 a manner of “unprecedented transparency”. This 5+/4'l3,=&$8$)$,/$)' [5,$&04+='' +,,-.%/+.$'2$/4-)'-1'30+,9'%69-&+/420'/-'8-,)38/'/4+0' transparency” a&+.%/$ 2%/84+,9'=&-8$00'8&$%/$0'8-2=$/+/+.$'/$,0+-,'+,'/4$' W-8%/$)'' Staf FTM'-,6+,$'6$,)+,9'0=%8$'%,)'%60-'0$&.$0'%0'%'8%/%6:0/'1-&' U30/&%6+% !!!!! )+0&3=/+-,'%2-,90/'/4$'/&%)+/+-,%6'>%,O+,9'2%&O$/7 ' ^$%&'@-3,)$)'' F+d$ C6$&'m'#+0&3=/-& (+84%&)'V-//-,'KV-I@-3,)$&N*' U6$A'T-66-:'KV-I@-3,)$&N ?$>0+/$'' www.valiant.fnance !<] gUB_-A “As the frst and only tech player in this market, we provide fully secured and easy-to-use solutions that 2%A+2+d$'gUB'&$8-.$&:*'54+6$'%))+,9'%,'$00$,/+%6'8-2=6+%,8$'%,)'9-.$&,%,8$'6%:$&'/4%/'4%)',-/'>$$,' available before.” - Isaac Saft V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ VATBox ofers streamlined solutions for the VAT B%96+,$' V%/$9-&:'' &$8-.$&:'=&-8$00*'$,%>6+,9'8-2=6$/$'.+0+>+6+/:*'8-2=6+%,8$' U'0+2=6$'5%:'/-'2%,%9$'gUB ($9/$84 %,)')%/%'+,/$9&+/:'1-&'>30+,$00$07'U3/-2%/+-,'/$84,-6-9:' W-8%/$)'' [5,$&04+='' %,)'86-3)'=6%/1-&20'%&$'30$)'+,'8-,L3,8/+-,'1-&'+,/$66+9$,/' b0&%$6'^ a&+.%/$ and efcient processes and safe data storage and ^$%&'@-3,)$)'' Staf 2%,%9$2$,/7'gUB_-A'$,%>6$0'$A=$,)+/3&$'8-,/&-6'%,)' C6$'&$/3&,07 F+d$ Noam Guzman (President/ 7(7(7(7(7 V-I@-3,)$&N*'b0%%8'F%1/' Notable Investors M,%>6$&'m'#+0&3=/-& KVM[m@-3,)$&N g+-6%'a&+.%/$'Mj3+/:*'B%&9$/'D6->%6*'g+-6%'D&-5/4 ?$>0+/$'' 5557.%/>-A78-2 109 ?%.$ l_:'$2>$))+,9'?%.$;0'8-2=6$/$'02%66'>30+,$00'/--60'+,/-'(_V;0'-,6+,$'>30+,$00'>%,O+,9'=6%/1-&2*'02%66' business owners now have one single destination to manage their fnancial life.” - Kirk Simpson V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Wave delivers fnancial services and free software B%96+,$' V%/$9-&:'' /-'02%66'%,)'2+8&-'>30+,$00$0'%&-3,)'/4$'5-&6)7'_:' F2%66'>30+,$00'+,.-+8+,9*' U88-3,/+,9 providing access to capital (Lending), improving cash fow %88-3,/+,9'%,)'2-&$ [5,$&04+='' Ka%:2$,/0N*')$6+.$&+,9'2-,$:'/-'$2=6-:$$0'Ka%:&-66N*' W-8%/$)'' a&+.%/$ 4$6=+,9'>30+,$00$0'9$/'=%+)'Kb,.-+8+,9N*'=&$=%&+,9'1-&' V%,%)% Staf /%A'/+2$'%,)'=&-.+)+,9'>30+,$00'+,0+94/0'KU88-3,/+,9*' ^$%&'@-3,)$)'' !!!!! ($8$+=/0N*'?%.$'8-.$&0'/4$'0=$8/&32'-1'%'02%66'>30+,$00' ' C6$&'m'#+0&3=/-& @-3,)$&N*'c%2$0'W-84&+$' F-8+%6'V%=+/%6*'V(g*'`%&>-3&g$0/'a%&/,$&0*'MA4+>+/+-,' KV-I@-3,)$&N Ventures, BDC IT Venture Fund, OMERS Ventures, NAB ?$>0+/$'' g$,/3&$0*'[3&V&-5)ID8%+*'a-&/%9"'g$,/3&$0*'(-:%6'_%,O' 55575%.$%==078-2 -1'V%,%)% !!< Zaveapp lb')-',-/'5%,/'/-'&$2%+,'%'=&-2+0$*'b'5%,/'/-'=&-.$'/4%/'+/'+0'=-00+>6$'1-&'0/%&/3=0'/-'4%.$'%'96->%6'+2=%8/' from Mexico.” - Octavio Novelo V-2=%,:'#$08&+=/+-, U/'%'D6%,8$ Developed in Silicon Valley and based in Mexico, Zaveapp B%96+,$' V%/$9-&:'' +0'%')+9+/%6'=+99:>%,O'/4%/'+0'&$%84+,9'+,/$&,%/+-,%6' B4$'=+99:>%,O'+,':-3&' _%,O+,9 $A=%,0+-,'5+/4'+/0'&$8$,/'6%3,84'+,'@&%,8$7'B4$'=&-)38/' 02%&/=4-,$ [5,$&04+='' aims to assist young people achieve their fnancial goals W-8%/$)'' a&+.%/$ in the short run by incorporating and teaching diferent T$A+8- Staf 0%.+,9'/$84,+j3$0'K$797'0%.$'q'-1'$A=$,0$0*'3/+6+0$'9&-3=' ^$%&'@-3,)$)'' ! !!!! 0%.+,90'-&'%)-=/'%3/-2%/+8'/&%,01$&0N7'B-)%:*'/4$'%==' ' C6$&'m'#+0&3=/-& @-3,)$&N*'a$)&-'V%62$66' KV[[mV-I@-3,)$&N Notable Investors ?$>0+/$'' ?%:&% 5557d%.$%==78-2 !!! a&$.+-30'($=-&/0 FINTECH 100 L e a d i n g G l o b a l F i n t e c h I n n o v a t o r s R e p o r t 2 0 1 5 !"#$% !"#$%&'()) The 50 !"#$%&'()*+,#*( Best Fintech -%&."/0(1&&+2#.+34 Innovators Report 8%9:;#%5"6 The information contained in this document is of a general nature and is not intended to address the objectives, fnancial 0+/3%/+-,'-&',$$)0'-1'%,:'=%&/+836%&'+,)+.+)3%6'-&'$,/+/:7'b/'+0'=&-.+)$)'1-&'+,1-&2%/+-,'=3&=-0$0'-,6:'%,)')-$0',-/'8-,0/+/3/$*' nor should it be regarded in any manner whatsoever, as advice and is not intended to infuence a person in making a decision, including, if applicable, in relation to any fnancial product or an interest in a fnancial product. Although we endeavour to =&-.+)$'%883&%/$'%,)'/+2$6:'+,1-&2%/+-,*'/4$&$'8%,'>$',-'93%&%,/$$'/4%/'0384'+,1-&2%/+-,'+0'%883&%/$'%0'-1'/4$')%/$'+/'+0' received or that it will continue to be accurate in the future. No one should act on such information without appropriate =&-1$00+-,%6'%).+8$'%1/$&'%'/4-&-394'$A%2+,%/+-,'-1'/4$'=%&/+836%&'0+/3%/+-,7 B-'/4$'$A/$,/'=$&2+00+>6$'>:'6%5*'`C'g$,/3&$0'%,)'SaTD'%,)'/4$+&'%00-8+%/$)'$,/+/+$0'04%66',-/'>$'6+%>6$'1-&'%,:'$&&-&0*' omissions, defects or misrepresentations in the information or for any loss or damage sufered by persons who use or rely on 0384'+,1-&2%/+-,'K+,863)+,9'1-&'&$%0-,0'-1',$96+9$,8$*',$96+9$,/'2+00/%/$2$,/'-&'-/4$&5+0$N7 y'C B4$'SaTD',%2$'%,)'6-9-'%&$'&$9+0/$&$)'/&%)$2%&O0'-&'/&%)$2%&O0'-1'SaTD'b,/$&,%/+-,%67 !!C !!E