Lunar is building a financial super app and the first pan-Nordic challenger bank to reshape banking in the Nordic region. They have received an EU banking license, launched in Denmark, Norway, and Sweden, and onboarded over 130,000 users in their first year. Lunar is building its own technology stack from scratch and was the first Nordic bank approved to operate fully in the cloud. Their goal is to become the dominant bank in the Nordics within the next three years by offering the best customer experience and bundling various financial products and services.

2. WE ARE BUILDING THE FIRST
FINANCIAL SUPER APP TO SHAPE
THE FUTURE OF BANKING
Vision

3. The Nordics is the most profitable banking landscape in
the world - yet extremely defensive from outsiders.
Nordic banking customers traditionally only have one bank
throughout their entire life - and get all financial services
from one provider.
That’s why Lunar’s national focus on products and
accounts will impact our unit economics.
The irreversible tipping point is near. Populations are fed up
with big banking behaviour and we are building the first
pan-Nordic dominator to tip the scale.
WHY THE NORDICS?

4. EU banking license from the
Danish FSA
First independent bank in 10 years
First in the clearing system
1.5 year headstart from our competitors
Live in all of Scandinavia
Denmark, Norway and Sweden
Fit&Proper approved bank
management
After new tightened framework
Onboarded 130,000 users
Adding +12k per month from March 19
First full banking cloud approval
Building a compliant bank in the cloud
ACCOMPLISHMENTS

5. MANAGEMENT
BOARD
Socii Capital
Ken Villum Klausen
CEO
Built the leading enterprise POS company
Wallmob, which was acquired by Visma in 2014
after 18 months.
Morten Sønderskov
COO
Former Head of Strategy, M&A and Business
Development at EnergiMidt.
Signe Julie Valeur
CMO
Former CCO at Virgin Mobile. Former CEO at
CBB Mobile.
Joachim Strøjer Hansen
CPO
Former Product Owner at Wallmob.
Henning Kruse Petersen
Former Head of Finansiel Stabilitet.
Former CEO at Nordea & Nykredit.
Gary Bramall
CMO at mytaxi. Former iTunes, Microsoft
and Global Brand Director at Skype.
Tuva Palm
CTO at Nordnet Bank. Former Director at
Klarna (Boardmember in Leo Vegas).
J.P. Leschly Neergaard
Former Global Head of International
Banking at Danske Bank.
Lars Andersen
General Partner at SEED Capital
(Boardmember in Vivino & Trustpilot).
Peter Smith
Bank CEO
Former CEO at Nordea Kredit and SVP Retail
Banking. Former Vice Chairman in VISA.
Flemming Laugesen
CTO
Former CTO at eBay and Gumtree with
speciallities in software engineering
management, mobile, leadership & more.
Peter Andreasen
CFO
Former CFO at PE fund with a background
from Deloitte.
Jonas Kjær Leed
CCO
Former Head of Compliance at
Handselsbanken.
INVESTORS

6. THE NORDICS IS THE
MOST PROFITABLE
BANKING MARKET
90% mobile banking adoption rate
Digital natives
Digital and national KYC
The market offers the same solutions build on
the same systems
Defensive infrastructure - regulation and
demands of national accounts
AVERAGE ANNUAL NET INCOME
(per retail user)
AVERAGE MARKET CAP
(per retail user)
Nordics $287
UK $113
US $64
Nordics $3,358
UK $1,214
US $856

7. All Nordic banking
apps look the same
Built by the same, look like the same.
11M customers
9,5M customers
5M customers
4,4M customers
2,3M customers
MASSIVE
INCUMBENTS
RULE THE
MARKET

8. PRODUCT
Best Design
2019 Runner-up
Travel Insurance
Insurance
International Transfers
Invest
AccountsCards
Transfers
Business
Payments PFM Receipts
Loans
Integrations Support
Topup
Budget

9. WE ARE BUILDING A
BANK FROM SCRATCH
Unlike almost all Nordic banks, we have built our own
technology stack giving us the edge to react swiftly to
ever-changing user expectations. We listen, we build
and we ship it - hundreds of releases every week.
We are the first Nordic bank with a regulatory approved
cloud solution. Our open API gives us the opportunity to
integrate with 3rd parties quickly, but still gives us the
freedom to innovate independently of their limitations.
It’s the perfect starting point for becoming the most
compliant bank in the Nordics and scale quickly. Our
microservice architecture makes it easy to amend
functionality, apply new compliance rules, and integrate
with partners.

10. You can try us out for free. That’s not seen before in the Nordics
We are open - you don’t need to breakup with your other bank,
just link it and use it in our app
We are moving ahead of our future customers testing and
exploring new channels, recognized as “best-in-class”
We are the favorite app of most authentic influencers and
exploiting vital strategies as thought leaders
We can move your full account to us with one click due to
Nordic infrastructure
4.3 / 5.0
Trustpilot
4.3 / 5.0
Facebook
4.5 / 5.0
App Store
4.3 / 5.0
Google Play
HOW WE WILL CATCH
A MILLION USERS
Lunar's growth tactics
RATED “BEST-IN-CLASS”
BY SNAP INC.
BEST INDUSTRY RATINGS

11. 65%
15%
10%
10%
Partnerships
Financial Products
Lunar Business
Interchange Fee
REVENUE MODEL
Invest Consumer Loans Business Loans Insurance
?
Mortgage
DineroBillyPremium Benefits e-conomic
We are rethinking the business model of banking in
the world’s most profitable banking markets by
bundling the best of the best in our app, introducing
a subscription-based model and building own
straightforward financial products.

12. WE’RE BUILDING THE FIRST DEDICATED
PAN-NORDIC CHALLENGER AND
BECOMING A DOMINATOR WITHIN THE
NEXT THREE YEARS