READ Enterprises aims to provide consumers with an assessment of their financial health by analyzing income risks and estimating the financial impact of disruptions. Their minimum viable product will convey a financial health report with tangible action points to help individuals better manage their finances. The company sees an opportunity to partner with budgeting tool providers by independently measuring economic factors that influence financial health.

1. READ ENTERPRISES
FINANCIAL HEALTH
DIAGNOSE, IMPROVE & RESOLVE
true consumer credit rating

2. MILLENNIALS' NET WORTH
Understanding households
A framework mapping the financial
situation and risks in a relatable and
relevant manner.
Creating opportunities
Households need tangible financial
advice and sustainable capital access.
Innovating relevant solutions
Financial needs vary over a lifetime and
knowing them, allows for relevant,
risk/return optimized financial products.IS IN DECLINE

3. OUR MINIMUM VIABLE PRODUCT
Income Risk
We assess the economic risk of
income disruptions and
estimate the financial impact
for better decision-making.
Clear Framework
The financial health report
conveys tangible action points
and sets a framework to engage
with financial professionals.
Simple & Time-efficient
The interface is designed for
layman use and limited data
input requirement for time-
efficient usage.

4. OPPORTUNITY IN THE US
of households with income below $60,000 are
financially healthy
ONLY 15%

5. COMPETITION
Provide a detailed insight of
cashflows.
Are not designed to provide a
macro view.
BUDGETING TOOLS
Mostly based on a comprehensive
questionnaire.
Usually tied to a financial product
provider or intermediary.
FINANCIAL HEALTH
Independent measurement of
debt repayment performance.
Conflating behavioral and
economic risk.
CREDIT SCORES

6. HOW WE DIFFER
We provide financial snapshots and see our
solution integrating with budgeting tool
providers.
We act independently, provide B2B advice
but have no affiliation compensation.
Our scoring system separates economic from
behavioral factors and is as such
complementary to the current credit scoring
system.

7. THE READ TEAM
Alberto Furger
Co-Founder, CEO
Oliver Olbort
Co-Founder, CSO
Michael Rava
Partner, Marketing
James Melenkevitz, PhD
Partner, Data Science, Quant
Raja Yogarajah
Partner, Lead Dev

8. THE ADVISORS
Reto Marx
Senior Executive
Financial Sector
Ganna Pogrebna, PhD
Professor of
Behavioral Economics
Nic Capomacchia
Higher Education
Consultant
Hayk Hakobyan, PhD
Technology,
Behavioral Science
Pierre-Alain Avoyer
Public Affairs,
Talent Management

9. GET IN TOUCH WITH US!
Contacts
Oliver Olbort
Alberto Furger
Email Addresses
oliver@readenterprises.org
alberto@readenterprises.org