1. Digital Disruption Readiness: Mobile Technology driving Financial Inclusion May 25, 2016

2. 1. Mobile technology for financial inclusion
2. Innovation to ‘bank’ the next billion

3. 1. Mobile technology for financial inclusion
2. Innovation to ‘bank’ the next billion

4. 2.5B 200M Businesses 1 in every 2 35%
Financial Exclusion is a Global phenomenon that impacts both consumers and businesses
2.5B
Do not have formal financial services
200M Businesses  
lack access to credit.
1 in every 2
Adults worldwide does not have
a formal financial service
35%
of small firms report access to finance as a major obstacle to their operations
Source: Global Findex Database World Bank 2014

5. 40% 3 out of 4 95% 90% No Physical Access to Banks No Bank Accounts
In the Philippines alone, there is an urgent call to drive financial inclusion – tens of millions of Filipinos still lack basic access to financial services
40%
No Physical Access to Banks
3 out of 4
No Bank Accounts
95%
No credit card
90%
No credit score
Lack of ACCESS to Financial Services

6. Mobile penetration in SEA region presents itself as an opportunity to equalize access to Financial Services by leveraging on mobile technology
Opportunity
150%
Mobile is the key to open financial services to every single Filipino
Banking Penetration
Mobile Penetration
Source: Global Findex Database World Bank 2014

7. Mobile is the key enabler to provide access to the unbanked / underserved segment – through Globe’s Mynt, we serve as a one stop shop for financial services through everyone’s mobile phone
Opportunity
31%
Financial services penetration
113%
Mobile phone SIM
penetration
50M
Million points of access to Filipinos through Globe
Mynt as a FinTech Incubator

8. Our vision is to become the next billion’s ‘bank’ by enabling everyone’s mobile phone to facilitate financial transactions – without having to build physical banks to enable this
The world’s largest taxi company, owns no vehicles
The world’s most popular media owner, creates no content
Can you be the world’s largest ‘bank’, without owning a single physical branch?
The world’s largest accommodation provider, owns no real estate
The world’s most valuable retailer, has no inventory

9. As a business, Mynt aims to be an integrated, all-in-one, financial services company that provides multiple points of access to the underserved / unserved market
Investment
Strategic
Partnerships
Insurance
Platform
Lending/Access to credit: Consumer + Commercial
Send Money/Remittance + Electronic payment
Secure Wallet

10. Imagine a world where consumers, merchants, and retailers benefit from mobile wallet capabilities, partnered with innovative loan constructs to further drive the cashless ecosystem
Cashless Ecosystem
MRT via Beep,
Grab car via MC
P2P, Buy airtime load, Pay bills via App/USSD
E-commerce with GCash MC card
Mass/Nano loans using alternative scoring models
Cashless purchases
Customer
Mobile load to mobile money
MPOS to drive credit card transactions
IPG to enable e-commerce for SMEs
SME Loans to further grow the business
Salary disbursements + Loans
Merchant
Airtime load sales 24/7
Retailer as Financial Community Center
Closed loop loans to grow the business
Cashless distribution
Retailer

11. We also target students and employees through use cases that build cashless ecosystem solutions in schools and companies
Target Market
To card and introduce mobile money
Build ecosystem to drive immediate use case
Introduce to other use case
P2P, Buy airtime load, Pay bills
E-commerce with GCash MC card
Cards for Salary Disbursements
BPO Employees
Consumer loans using alternative scoring models
Book a Grab to commute
Cashless Cafeteria
IDs powered by GCash
Students

12. Through Mynt, we have scaled to close to 2 million customers doing 1 billion transaction value weekly, serviced through more than 10,000 partners, and with more than 10,000 Loan borrowers
Easy access to mobile money services
Transactions on a massive scale
Extensive partner outlet network
Fully digitized loan constructs
~2,000,000
mobile money customers
Php 1 Bn
in weekly transactions
10,000+
GCash Outlets
10,000+
Loan Borrowers

13. 1. Mobile technology for financial inclusion
2. Innovation to ‘bank’ the next billion

14. We transform establishments into ‘Financial Community Centers’ to cater to the emerging market of the financially underserved
The Opportunity
The Idea
TRANSFORM EVERY SARI-SARI STORE INTO FINANCIAL COMMUNITY CENTERS
Our goal is to enable every neighborhood retailer to facilitate financial transactions for their customers
No Access to Banks
40% of total cities & municipalities have no access to physical banks
Previously, the nearest bank to Culion was a 2-hour boat ride away
Provided almost 900+ accounts, effectively banking ~18% of the addressable population in just 2 months
Millions of Sari-Sari Stores
There is one Sari-Sari store for every 100 Filipinos

15. Fully Automated; doesn’t touch human hands
We provide first in world loan constructs that leverages on big data, social network and telco activity
The Opportunity
The Idea
TO BATTLE 5-6 LENDING WITH ALTERNATIVE CREDIT SCORING MODELS
A product to fight Loan Sharks in the Philippines using Facebook and Telco Data
No documents needed! A
Lack of access to formal lending institutions
Fully Automated; doesn’t touch human hands B
Limited Credit Bureau C
Approval within 1 hour!
No National ID
Informal Lenders at 20% interest per month
Recognized by Wall Street Journal as one of the 4 Fintech companies that empowers Filipinos
“Financial services built around smartphones is promising to broaden access to finance for millions of Filipinos” – The Wall Street Journal

16. We also enable wholesalers’ membership base to grow their retail businesses through additional capital
The Opportunity
The Idea
PROVIDE CLOSED LOOP LOANS FOR ALING PURING MEMBERS
A closed loop loan that benefits both Puregold and its member retailers to grow as a business
No documents needed! A
Scored using commerce data B
300K Aling Puring Members
Lack of additional capital to grow the business
155M total credit disbursed/used by borrowers since launch
15K as the average credit line issued to a Puhunan Plus customer
2K no. of active borrowers within first two months

17. Opportunity to get this out in the region and quickly scale
Emerging markets throughout the region look just like the Philippines, and there is an opportunity to help end poverty by providing them access to financial services through mobile
~1 billion
No. of the adults in the region with no access to formal financial services
Opportunity to get this out in the region and quickly scale

18. Digital Disruption Readiness: Mobile Technology driving Financial Inclusion May 25, 2016