sales deck shortdeck_slides_bnk
TRANSCRIPT
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1990Big 5 Market Share = 75%
1812Bank of
Montreal Founded
1901First Credit
Union (Desjardins)
Founded
201740+ AltFi consumer
and business lenders
Banking Evolution(?) in Canada
1997First Virtual
Banks Established
2014Grouplend
established 1st P2P AltFi
2013Big 5 Market Share = 70%
2006Mogo issues
first AltFi loan online
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The Power of Choice
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Full Spectrum of Consumers
700 FICO +
650 FICO +
450 FICO +
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Underlying Process
Capture
• Borrower application
Choice
• Lender Pre-approval
Funding
• Data handoff
• Borrower funded
Referral fee received
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Competitor AnalysisCustomer Spectrum
Convenience
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Integrated Partners
+ 10 more to be added in 2017
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Market Upheaval
Non-Mortgage
Consumer + Small
Business Debt >$600B
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1990Debit Cards
introduced at Point of Sale
1968First ‘Chargex’
credit card issued
1973BMO introduces ‘Mastercharge’
2017First open
market loan will be used to fund
point of sale transaction
Payment Evolution Revolution
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POS Revolution
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Personal Loans
Purchase Financing
Credit Cards
Debt Management
Auto LoansInsurance
Benefits Assistance
Wealth Management
Secured LendingCredit Improvement
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Team
Chris Healy MBA
COO18+ years in Finance & Operations
Ketan Patel MDCIO
10+ years in Informatics &
Decision Systems
Adam Rice MBACEO
10+ years in Marketing &
Startups
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