This is the deck we used to raise a $700k Pre-Seed round in February 2018. Aglaé and Kima Ventures were our main backers. ;)

1. EmmaYour financial advocate.
www.emma-app.com

2. Problem
Managing money has become
extremely difficult. We tend to
have multiple accounts,
several contracts, different
credit cards.
Average British household has
£13,000 of consumer debt.
Retail banking doesn’t focus
on customers’ financial well
being.
More than 16 million people in
the U.K. have less than £100
in savings. 28% of adults have
nothing at all.

3. Solution
Manage
A plug and play solution that
acts as a gateway to any
financial service.
Advise
A financial advocate that
can provide insights and
tips based on spending
patterns.
Save
A saving solution that
periodically helps you save
small amounts of money.

4. A new way to do banking
● Emma provides daily insights and tips
through a dynamic feed.
● Users can swipe through their custom set
of cards, as if they were reading a story.
● Every card represents a specific context in
their financial life.
● The feed is able to render different types
and rank them.

5. Understand your spendings
● Automatically categorizes and assigns
tags to transactions.
● Retrieves merchants and their exact
location. Our DB already has 55k
businesses with more than 93k locations.
● Helps users set budgets.
● Detects overdrafts, refunds, incoming
salaries, internal and credit card
transactions.
● Lets users see all their accounts in one
place.

6. Stay in control
● Tracks all your subscriptions, direct debits
and standing orders and helps you find
unwanted ones.
● Understands how they vary in time and
provides specific insights.
● Sends notifications when they increase or
decrease to keep you on track.

7. What our users say
“I am also trying Emma by @edo1493 and co.
which is pretty cool and made me switch to
Barclays without hesitation because of its interface,
categories and support.” - Monzo user.
“Really love the direction that this app is
going in, there is so much potential for it
and it has really allowed me to see my
money in a new way” - kenkyle236
“This app is amazing, it’s everything I’ve been
looking for. Works perfectly, great team
Behind it and very useful.” - Jakesbywater “I've tried so many apps to get a proper insight in
spending and this one seems the quickest and most
intuitive.” - MonkeyView

8. KPIs
25%10,600+
Bank accounts DAU
£156M+
Transactions analysed

9. Ecosystem
Aggregators Subscriptions Tracker Savings
Banks

10. Roadmap
Q1 Q2 Q3 Q4
Product
Savings solution.
Analytics v2 & integrate
challenger banks
Search
Analytics v2
Contract switching.
Payments initiation
Predictions.
Operations
Hire 1 backend
engineer.
Hire 1 frontend
engineer.
First non techie hire.
KPIs
30-50k MAU

11. Achieved in 4 months
● Launched a closed beta both iOS and Android.
● 4th product of the day on Product Hunt.
● Attracted 12k unique visitors to the website.
● Collected 7k emails, with a 25%+ conversion on the landing page.
● Received press mentions by Politico, CityAM, Finextra and other fintech blogs.
● Registered and approved by the FCA as a RAISP under the PSD2 scheme.
● First RAISP to integrate with Monzo’s Open Banking API.
Emma, the "banking app for millennials",
gets FCA approval and announces it will
integrate Monzo and Revolut - CityAM
Overdraft avoidance app Emma
opens closed beta - Finextra
PSD2 Ready: Emma Banking
App Receives FCA Approval -
crowdfundinsider

12. Team
Edoardo Moreni - CEO and Co-founder
MEng in CS from University of Manchester
Former B2B CANDDi & mobile freelance dev
edoardo@emma-app.com
Antonio Marino - CTO and co-founder
BSc in CS from University of Manchester
Former Google and CERN
antonio@emma-app.com