THE PROBLEM THERE IS AN INFORMATION CRISIS IN CONSUMER FINANCE LATIKA. Emilian. Alternative online lender without enough data

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2 THE PROBLEM THERE IS AN INFORMATION CRISIS IN CONSUMER FINANCE NEEDS A LOAN WANTS TO LEND LATIKA Small business owner in India Emilian Alternative online lender without enough data

3 INTRODUCTION WHAT IS FRIENDLYSCORE? Big Data SaaS B2B Solution Machine Learning Artificial Intelligence Alternative Credit Score Sophisticated Algorithms

4 BENEFITS WHY USE FRIENDLYSCORE? Higher accuracy in pricing risk Greater financial inclusion due to higher approval rates Optimal KYC/ID Verficiation Lower default rate Safer loans due to fraud detection

5 THE DATA WE ANALYSE

6 MACHINE LEARNING IN ACTION FriendlyScore produces increasingly accurate scores Software gathers and analyses historical data and new data sets Model independently learns what makes a good borrower AI capabilities allow the model to adapt and fine-tune itself 04 STAGES OF DYNAMISM Technology at the core of FriendlyScore s algorithm

7 MARKET OPPORTUNITIES FRIENDLYSCORE S TARGET DEMOGRAPHIC 01 UNBANKED Globally, 2 billion adults remain unbanked. India, with 233 million unbanked individuals, accounts for 12% of the world s unbanked population MILLENIALS FOREIGNERS In Europe alone, there are 9 million millennial consumers searching for a loan per month, only 13% are accepted and 20% of those default. FriendlyScore can double the acceptance rate of this demographic without any increase in defaults. In places with high levels of immigration such as Singapore and Dubai, 64% and 92% foreign population respectively, we also see the need for FriendlyScore in profiling foreigners.

8 EMERGING VS. DEVELOPED MARKETS A COMPARISON 01 EMERGING In developed loan markets, FriendlyScore serves as a top-up to traditional scoring metrics. FriendlyScore provides a competitive advantage by enabling more precise calculation of interest rates. In emerging markets, financial data can be scarce and its accuracy is questionable. FriendlyScore enables lenders to make loans with greater knowledge of who they are lending to DEVELOPED 02

9 WHAT ABOUT PRIVACY? DATA PROTECTION POLICY CONSENT All data provided to FriendlyScore is solely at the discretion of the borrower NO STORAGE We never store login information NO RESALE Personal data is never repackaged for sale AUTOMATION No human ever reads the raw personal content; data extraction through text mining

10 DATA MANAGEMENT & SECURITY

11 OUR SOLUTIONS USED GLOBALLY

12 PRODUCT OFFERINGS SaaS, White Label, Enterprise WEBSITE APPLICATION SaaS This is our simple plug and play option (Widget and API) that uses our generic model. White Label Our branded version of the SaaS solution built-into the clients existing architecture and functions as a secure and licensed black box within their systems. SDK APPLICATION Enterprise Offers complete customisation and dedicated tech support, allowing clients to fully understand and utilize the model.

13 FRIENDLYSCORE DASHBOARD & ANALYTICS INTERFACE FRIENDLYSCORE DASHBOARD Dashboard Back-end analytics dashboard allowing for easy access to borrower scores and reports. Analytics & Reporting Detailed analysis and reporting of both individual and amalgamated borrower scores. BORROWER SCORE REPORT Lead Generation Our dashboard can also be used by B2B sales reps to generate leads or manage marketing campaigns. Customized Scorecards Create customized scorecards through our dashboard for tailored products or targeted demographics.

14 CONTACT OUR TEAM Peter Dines: Director, Seed Investor Ivan Milos: Head of Business Development 12+ years within technology and finance, serial entrepreneur, studied at CASS Business School and CITY University London

15 FRIENDLYSCORE IN THE PRESS

16 AWARDS & ACHIEVEMENTS