SUMMARY DESCRIPTION

• Mobile-based, using AI to enable users to manage finances intelligently
• Highly interactive, message based approach to keeping in touch with personal budgets and patterns of spend
• Helps individuals (primarily 21 - 29 age cohort) to change behaviour to better manage their expenditure

OPPORTUNITY/INVESTMENT THESIS

• Opportunity to help 21 – 29 cohort to use mobile to improve behaviour to their benefit
• Highly interactive communication approach to engage and build trust and relationship
• Approach and marketing methodology can be replicated across geographies
• Success requires scaling and developing relationship with users to build retention