1. TransferWise
FIA Consulting
Alex
Nicholas
Rodrigo
Vanessa

2. Agenda Executive Summary Market Analysis Alternatives Recommendation
Implementation
Risks
Financial

3. TRANSF ?$ Executive Summary orm erWise
Inefficiencies in the money transfer ecosystem
Provided customers new channels and options for transferring money
Blockchain Technology will change all the financial transactions
TRANSF
orm
erWise

4. Market Analysis Speed of transactions;
Customer trust & Satisfaction rate.
Speed of transactions;
Innovation technology;
High Fee comparing with competitors.
Presence in affordable markets;
Trustable by investors
Main competitor is Wester Union;
Compliance differences in each country.

5. Alternatives
1 - Focus on Transfer Business: Continue improving your transfer model over technology optimization
Under your current comfort zone and could bring some improvements.
Your model still depends on banks and blockchain threat continues

6. Alternatives Recover part of the investment
2 – Sell to another one: Prepare the company to be sold to a competitor or a bank:
Recover part of the investment
The prize will be much less than a fair value

7. Your Path to continue in the game
3 – Became a 100% Digital Bank: Complement your portfolio of services opening gradually additional digital banking services
Customer fidelity;
Additional Revenue streams;
Reduce the blockchain threat.
Complexity to implement;
Requires Funding.

8. Analysis of Alternatives
Long Term: Resilience of your model to support the environment changes
Returns: Capacity to generate revenue and profit for shareholders
Expansion: How easy you can expand globally

9. BankWise
Your digital bank where you can have access to convenience and friendly digital services
Banking Account
Credit Card
Loan & Credit
Insurance Broker
Investment Platform
Crypto Currency
Money Transfer

10. BankWise Born prepared for Blockchain Technology;
Enhanced biometrics with double factor authentications such as face, iris, fingerprints;
Modular Technology that can be easily escalated and distributed base on cloud and global flexible infrastructure;
A Fintech approach, lean, efficient and strongly based on technology

11. BankWise
Prepared for GDPR, SOX, Basileia, ISO 27001, and main governance and security standards;
Agreements with ATM network operators for the market where we transact;
Apple Pay, Android Pay, Samsung Pay, PayPal;
In Summary, a Digital, secure, and trustable platform to support the Business Expansion

12. Execution Plan – Short Term
Boost current Business
Campaign 100% Digital – Social Medias
Contract with Local Influencers (Wealthy and Trusted)
Mexico, India and Philippines
Expand same campaign to others Emerging Markets to increase Revenue
New Approach aiming small and medium investors – (Strong Currency)
Marketing - Immediately to 24 months

13. Execution Plan – Long Run
Contract Specialized Consultancy in Local Compliance
Creation of a Compliance Unit
Digital Platform creation for banking services to be offered: Credit Card, Loan, Insurance broker, investment, Cryptocurrency
Legal Certifications and Authorizations
Establishment in India, USA and UK – 2021
Establishment in Mexico and Philippines – 2022
Marketing Campaign to launch BankWise services: Both Digital and TV
Becoming an Online Bank – 2020 to 2022

14. Implementation Plan

15. As any plan, we have some risks
Do not raise Capital
Probability: Medium
Impact: High
Mitigation Plan: Sell the Company
Delay on authorization policies
Probability: Low
Impact: High
Mitigation Plan: Lobby with Government
Target other similar market

16. Our aggressive plan is to reach $1.1 Bi in Revenues by 2025

17. The main driver of this growth will be Bankwise
75% from banking in 2025
1109
563

18. Net Revenue Contribution ($ Mio)
Breakdown from 2018 to 2025
Net Revenue Contribution ($ Mio) 14
1,109 55 66 94
129
600
151
2018
Loans
Transferwise
Credit Card
Insurance
Investments
Crypto
2025

19. We will be much more diversified in 2025
2018: $151 Mio
2025: $1,109 Mio

20. To make it happen we need to invest $447 Mio until 2025

21. Then the key issue is to raise $10 bi until 2025

22. This path will lead us to a big Net Income result

23. This path will lead us to a big Net Income result
2.3 Bi of own capital
ROE: 15.1%

24. Strong financial position in 2025
Top line growth
Net income $359 Mio
Return for investors

25. Strong financial position in 2025
Top line growth
Net income $359 Mio
Return for investors
Time for an IPO

26. TRANSF Conclusion orm erWise 15% Return Achieve Financial Results
Transfer Money efficiently
Transform the company in a Digital Bank
Achieve Financial Results
TRANSF
orm
erWise

27. MERCI / THANK YOU