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CarolinaMaldonado86

Fntl sequoia

Economy & Finance
1 of 26
Wealth Management in LatAm
Federico Antoni Nicolas Szekasy Oskar Hjertonsson A Tech Team for a Financial Product Pedro, CEO Engineer, Astronomer, 2nd time founder Omar, CIO Itaú Asset Management, Mathematician Agustin, CMO Engineer, Dev, 2nd time founder Andres, CTO Electrical Engineer, Dev Fintual Inc, Confidential We are 84 people . 44% tech 󰟜 from 󰐏 󰎧 󰎆 󰐟 󰎙 󰑙 󰎪 󰎐 󰎥 󰏃 Board
LatAm is Just Starting to Invest Source: Findex, World Bank 2017 right after being banked ��🇸 ��🇱 ��🇽 ��🇴 ��🇪 Bank Accounts Deposits + Funds to GDP % 0% Fintual Inc, Confidential
Source: Central Banks (Monetary aggregates and national accounts), PWC 2018 Wealth Management Report Fintual Inc, Confidential
Funds are Still Dominated by Banks Source: CMF, Fitch Ratings, CNBV, Oliver Wyman Fintual Inc, Confidential Chile Mexico US Banks Non Banks
Fintual Inc, Confidential In Pole Position to Win LatAm
And The Quirky Techies also have Outperforming Funds Annualised total return in 3Y (%) Fintual Avg Peer group Fintual Inc, Confidential
The Hard Parts We’ve Built Mutual Funds Chile Custody & Accounting proprietary software Bank Screen Scraping Investments Funds Mexico Digital 󰐏 Onboarding Automated KYC + ID Verification Robo-Advisor Financial Education Platform Acquisition of Distributor License Transferring Investments in of Fintual �� �� �� ��🏻🏫 �� Mobile App ��🏿💻 Asset Manager License ��🇱 Financial Advisor License ��🇽 84 employees ��🇽 US$550 m 2017 2018 2019 2020 2021 AUM Employees Fintual Inc, Confidential Tax Benefits Retirement High Yield “Savings Account”
Fintual Inc, Confidential
Product Roadmap Fintual Inc, Confidential 10
Fintual Inc, Confidential
Fintual Inc, Confidential
Fintual Inc, Confidential
Metrics Fintual Inc, Confidential 14
$600m $400m $200m Growing 17% MoM We manage US$550m and 60,000 Clients Fintual Inc, Confidential 15 60,000 40,000 20,000 AUM Clients
Mexico is Growing Faster Fintual Inc, Confidential than Chile in the early days
Fintual Inc, Confidential 70% from Word of Mouth LTV CAC LTV : CAC 4.9 ⭐ rating in the App Store
Half of Clients are First Time Investors Fintual Inc, Confidential No minimum. Average US$ 9,000 Clients $0 - $2k $2k - $4k $4 - $10k $10k - $30k $30k - $50k $50 - $75k $75k - $100k $100k+
19 Clients Develop Investment and Saving Habits Fintual Inc, Confidential
After 1 Year 84% Stay Months Client Retention 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 Average Fintual Inc, Confidential
Two Newest Cohorts Represent % AUM Fintual Inc, Confidential 1H2021 2H2020 1H2020 2H2019 1H2019 2H2018 1H2018
% Monthly Revenue is Silent Fintual Inc, Confidential They don’t need assistance to invest US$ k
Capital Efficient Scalable Business US$ 2018A 2019A 2020A YTD* 2021E 2022E 2023E 2024E 2025E 2026E AUM (US$ k) 6,585 46,080 313,881 552,058 Clients . 1,553 7,009 35,422 58,331 Revenue (US$ k) COGS (US$ k) OPEX (US$ k) EBITDA (US$ k) Employees . 14 24 58 84 *June 2021 Fintual Inc, Confidential
Who will get the largest, thickest slice of the banks’ cake in LatAm? Fintual Inc, Confidential
Fintual Inc, Confidential A unique talented team of techies that believe in regulation Palo Alto. YC 2018
Wealth Management in LatAm

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Fntl sequoia

  • 2. Federico Antoni Nicolas Szekasy Oskar Hjertonsson A Tech Team for a Financial Product Pedro, CEO Engineer, Astronomer, 2nd time founder Omar, CIO Itaú Asset Management, Mathematician Agustin, CMO Engineer, Dev, 2nd time founder Andres, CTO Electrical Engineer, Dev Fintual Inc, Confidential We are 84 people . 44% tech 󰟜 from 󰐏 󰎧 󰎆 󰐟 󰎙 󰑙 󰎪 󰎐 󰎥 󰏃 Board
  • 3. LatAm is Just Starting to Invest Source: Findex, World Bank 2017 right after being banked ��🇸 ��🇱 ��🇽 ��🇴 ��🇪 Bank Accounts Deposits + Funds to GDP % 0% Fintual Inc, Confidential
  • 4. Source: Central Banks (Monetary aggregates and national accounts), PWC 2018 Wealth Management Report Fintual Inc, Confidential
  • 5. Funds are Still Dominated by Banks Source: CMF, Fitch Ratings, CNBV, Oliver Wyman Fintual Inc, Confidential Chile Mexico US Banks Non Banks
  • 6. Fintual Inc, Confidential In Pole Position to Win LatAm
  • 7. And The Quirky Techies also have Outperforming Funds Annualised total return in 3Y (%) Fintual Avg Peer group Fintual Inc, Confidential
  • 8. The Hard Parts We’ve Built Mutual Funds Chile Custody & Accounting proprietary software Bank Screen Scraping Investments Funds Mexico Digital 󰐏 Onboarding Automated KYC + ID Verification Robo-Advisor Financial Education Platform Acquisition of Distributor License Transferring Investments in of Fintual �� �� �� ��🏻🏫 �� Mobile App ��🏿💻 Asset Manager License ��🇱 Financial Advisor License ��🇽 84 employees ��🇽 US$550 m 2017 2018 2019 2020 2021 AUM Employees Fintual Inc, Confidential Tax Benefits Retirement High Yield “Savings Account”
  • 10. Product Roadmap Fintual Inc, Confidential 10
  • 15. $600m $400m $200m Growing 17% MoM We manage US$550m and 60,000 Clients Fintual Inc, Confidential 15 60,000 40,000 20,000 AUM Clients
  • 16. Mexico is Growing Faster Fintual Inc, Confidential than Chile in the early days
  • 17. Fintual Inc, Confidential 70% from Word of Mouth LTV CAC LTV : CAC 4.9 ⭐ rating in the App Store
  • 18. Half of Clients are First Time Investors Fintual Inc, Confidential No minimum. Average US$ 9,000 Clients $0 - $2k $2k - $4k $4 - $10k $10k - $30k $30k - $50k $50 - $75k $75k - $100k $100k+
  • 19. 19 Clients Develop Investment and Saving Habits Fintual Inc, Confidential
  • 20. After 1 Year 84% Stay Months Client Retention 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 Average Fintual Inc, Confidential
  • 21. Two Newest Cohorts Represent % AUM Fintual Inc, Confidential 1H2021 2H2020 1H2020 2H2019 1H2019 2H2018 1H2018
  • 22. % Monthly Revenue is Silent Fintual Inc, Confidential They don’t need assistance to invest US$ k
  • 23. Capital Efficient Scalable Business US$ 2018A 2019A 2020A YTD* 2021E 2022E 2023E 2024E 2025E 2026E AUM (US$ k) 6,585 46,080 313,881 552,058 Clients . 1,553 7,009 35,422 58,331 Revenue (US$ k) COGS (US$ k) OPEX (US$ k) EBITDA (US$ k) Employees . 14 24 58 84 *June 2021 Fintual Inc, Confidential
  • 24. Who will get the largest, thickest slice of the banks’ cake in LatAm? Fintual Inc, Confidential
  • 25. Fintual Inc, Confidential A unique talented team of techies that believe in regulation Palo Alto. YC 2018