MERGE PITCH DECK

1. MERGE
Merge combines all your credit cards
and chooses the most optimal card for
a particular payment to help you
maximize your rewards

2. MEET THE TEAM
BHAVYE KHETAN NIALL MANDAL
Co-Founder
Business Lead
LinkedIn
Co-Founder
Technical Lead
LinkedIn
2022 Pitch Deck 2

3. THE $40 BILLION PROBLEM
MARKET GAP
1.5 Billion Credit Cards (4 Credit Cards/ Person in
US) transacting over $4 Trillion/year
75% transactions are not optimized for getting the
maximum discounts/ rewards/ cashbacks
CONSUMER HABITS
90% of interviewed credit card holders do not pay
attention to rewards/ cashback deals when
making daily purchases
LOSS OF VALUE
Assuming there is an average loss of 1% cashback
on potential earned rewards from credit cards,
Americans are losing $40B annually
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CARD MANAGEMENT
80% of users choose a random credit card for
payment from the multiple cards they have, which
results in less than a 25% chance for getting the
most optimal card

4. AMERICANS ARE LOSING $40B YEARLY
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1%
Rewards
Loss
$4T
Purchased
via Credit
Card
$40B lost
by US
consumers
x =

5. THE SOLUTION
Merge is a mobile application that takes in users'
credit cards and integrates them into one Merge
Card that can be put on Apple Pay, Samsung Pay,
etc. Users swipe or tap their Merge Card. The
purchase data is passed into the Merge algorithm.
The Merge Algorithm calculates potential rewards
for each card based on the type of purchase the
user is initiating and selects the card either: yields
the most amount rewards or maximizes the user’s
credit score. The amount is automatically debited
from this card upon user validation.
2022 Pitch Deck 5

6. 2022 Pitch Deck 6
User pays with
their digital or
physical Merge
Card
The purchase data
along with information
about the user’s wallet
is passed into the
Merge algorithm
The Merge algorithm identifies the
card that will yield the highest
reward or cashback opportunity
based on the type of purchase
The Merge Card
then acts as an
intermediary and
directs the
purchase to the
chosen card
The user’s wallet
is a collection of
their credit cards
represented as a
Merge Card
WORKFLOW

7. THE MARKET
AGE
US Adults age 25 – 45 years
CREDIT CARDS
More than 1
WHY?
• The average US Adult has 4 credit cards
• Generation X – those between 40-55 – carry 4.23 cards on
average.
• The storing of digital credit cards has become more common
with the explosion of contactless payment, and digital
payment services
• Apple Pay had 500M users as of 2020— 600% increase over 4
years
2022 Pitch Deck 7

8. COMPETITIVE LANDSCAPE
CONVENIENT
Digital Wallet
Service (Apple
Pay)
MERGE
EXPENSIVE AFFORDABLE
0 or 1
Credit Card Self-Managing
Cards
INCONVENIENT
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Max Rewards/
Card Pointers

9. BUSINESS MODEL
UPSELLING FREEMIUM LOANS
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Offer Listing
Fees for
Businesses
(Fintech, &
other
consumer
brands)
Provide more
comprehensive
Merge
algorithm
2x savings on
premium vs.
free version
Analyze
payment
history &
provide
personalized
loans thus
reducing risk

10. CREATING THE $40 BILLION SOLUTION
2022
MAY JUNE DEC
2022 Pitch Deck 10
MVP MVP 2.0 MERGE (FULL SUITE)
Seed Funding
5000 users 15000
users
SEPT
MVP 3.0 50000
users

11. MVP (MAY)
NO CARD
INFORMATION
REQUIRED
Users do not need to input
their credit card information
except the type of card they
have (E.g., American Express
Platinum Card, Discover
Student Card)
THE BEST CARD
BASED ON YOUR
MERCHANT
The Merge algorithm inputs
the offers of every credit card
for the merchant and aligns
the cards in order of the most
profitable card for payment
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12. MVP (JUNE)
SYNCING WITH
BANK ECOSYSTEM
Users scan their credit cards
or sign in to their credit card
provider accounts which
automatically populates the
Merge app with their credit
card rewards information
Pitch Deck 12

13. MVP (SEPTEMBER)
Implement a Chrome/Safari
Extension that abstracts
user payment inputting and
automatically applies the
Merge algorithm to pay with
the most optimal credit card
Pitch Deck 13

14. SEED FUNDING:
$500K
BURN RATE
$40K/Month x 12 Months + $20K Reserve
OVERSEAS DEVELOPMENT
$20K/Month: Hiring 6 overseas developers in India
LOCAL PRODUCT DEVELOPMENT
$20K/Month: two full-time developers & logistics
20XX Pitch Deck 14