The benefits of Credit with the peace of mind of Debit. Liran Amrany
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1 The benefits of Credit with the peace of mind of Debit Liran Amrany
2 Liran Amrany 9 yrs. derivative JPMorgan Co-founder & CEO 2015 Fellow, Startup Leadership Program Masters in Fin UC Berkeley (valedictorian) Jeff Hu Co-founder & Postalgia Co-founder & CTO Product CVS Health Yale MBA (Entrepreneurial Fellowship), Duke Biomedical Engineering Paul Sauer M.S. Computer UCF Lead Engineer Vision Engineering Solutions Lockheed Martin
3 Americans struggle to use credit cards responsibly $115 Billion interest and late fees 38% in credit card debt 3rd leading cause of bankruptcy
4 Many are switching to debit 200% Debit 67% Credit 9Y Growth Why does more of your spending now go to debit instead of credit? 89% I m trying to be more financially responsible Source: Oliver Wyman Consumer Payment Preferences: Debit Spotlight ; Federal Reserve
5 But is debit the answer? 54% Durbin Amendment Restricted issuers interchange revenue No rewards on debit cards
6 Using debit does not help you build credit 8% 11% 56% Unscorable Credit Invisible Subprime
7 So should consumers pay with debit or credit? VS Does not build credit No rewards Less security Harder to control spending Interest & late fees Big bill each month Monthly auto-pay is not sufficient
8 Debitize automatically transfers funds to a Reserve Account after each credit card purchase $ Daily $ Monthly Checking Reserve Issuer & pays the user s credit card bill
9 Users get the best of Credit + Debit Card Benefits Peace of Mind Frictionless
10 Using Debitize
11 Build credit even faster Debitize Credit Optimizer automatically targets your Amounts Owed
12 Featured In:
13 Competitive Landscape (patent pending) Improve credit PFM Rewards Bill pay Frictionless
14 Use Cases Millennial debit card users 24M Paying off credit card debt 11M Students / First-time credit card users 6M Subprime households 49M
15 Use Cases: Millennial debit card users Thin credit history Wary of credit Build credit Earn rewards Confidence to use credit responsibly
16 Use Cases: First-time credit card users Never used credit before Avoid overspending Stay out of debt Training wheels for credit cards
17 Use Cases: Paying off credit card debt Hard to follow debt repayment plan Less debt Better credit Automate debt payments
18 Use Cases: Subprime Households High interest or do not qualify for loans Better credit Lower interest rates Target top 2 components of FICO
19 We want to partner with you Together, we can help Americans: Build credit Stay out of debt Contact us to discuss pilot programs or other partnership opportunities:
20 The benefits of credit with the peace of mind of debit Thank You
21 The benefits of credit with the peace of mind of debit APPENDIX
22 How it works 1. Sign up and link accounts 2. Use credit card normally 3. Funds automatically transferred to cover purchase 4. Bill paid with funds from user s Debitize account $ Daily $ Monthly
23 Sample transactions
24 Issuers benefit by converting debit users to credit Up to $10.9bn increase in annual interchange revenue Ave. debit interchange: 0.59% $5.4bn Interchange fees 22bn transactions $910bn annual spend Ave. credit interchange: 1.79% $15.3bn Interchange fees
25 The Durbin Amendment (enacted as part of the 2010 Dodd-Frank Financial Reform) Cap on Debit Interchange Banks with >$10bn assets lose ~50% interchange revenue on debit Big banks incentivized to get consumers to switch to credit Anti-Circumvention Cap applies anytime funds automatically pulled within 14 days Banks reluctant to offer a competing product Network Routing Debit cards must offer at least 2 non-related network affiliations for processing Visa/MC at risk of losing debit volume, also prefer credit
26 Purchase Price Authorization Request Purchase Price less Interchange Fee and Merchant Discount Anatomy of a Credit Card Transaction CONSUMER MERCHANT Authorization Request 1 CARD ISSUER Purchase Price less Interchange Fee 3 MERCHANT ACQUIRER (Visa and Mastercard govern the relationship between the Card Issuer and the Merchant Acquirer)
27 People who switch to credit do so for rewards Why does more of your spending now go to credit instead of debit? Credit card has richer rewards than my debit card Borrowing on credit No longer get rewards on my debit card Bank incentives to use credit Other 20% 18% 14% 13% 44% Credit limit increased Recently got my first credit card 5% 7% 0% 20% 40% 60% Source: Oliver Wyman Consumer Payment Preferences: Debit Spotlight
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