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MobileLendin

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ParetoPulse

Mobile Money Breaking Barriers

• 2.5 billion unbankedpeople, 1 billion withmobile phones

• 16 ountries with moremobile money aountsthan bank aounts

• !n "#ria, 2$% o# mobileaounts onneted tomobile money

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 &he Pareto Pulse Solution' MobileLending

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• (ustomers use e)isting app, apply#or a loan #rom any de*ie,reei*ing instant o+ers and ash

• Banks aess risk managementtools to manage port#olio,ustomiable loans redue osts

• Pareto Pulse system analyesustomer data and soresonstantly, ad-usts loan o+ersautomatially

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ow !t /orks' 0igerian smartphone

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"bout Pareto

• stablished in 2334

• 3 onsultants' e)perts inprogramming, data analysis, marketingand more

• 15 ustomers, some o# whom ha*e growndigital lending port#olios aimed at

underbanked• (ustomers #rom three ontinents' "sia,

"#ria, urope

• "lways work with loal partners, loal

banks no international subsidiaries7 5