Digital Finance Summit 2022 - EU Fintech Pitch Battle https://www.digitalfinancesummit.com/

1. scudi
October 2022
SOCIAL IMPACT FINTECH &
ENTERPRISE SAAS PLATFORM PROVIDER
INSTANT WAGE ACCESS

2. a significant number of people live paycheck to
paycheck and often find wallets empty before payday
something everyone
should have access to
unexpected
expenses
limited
savings
timing
mismatch
between
income and
expenses

3. instant access to salary
when needed
(now needed more than ever!)
the solution ? a SaaS platform &
mobile app for employees

4. what does offer as Enterprise Saas?
➢ instant Salary Access software
anonymous & regardless to identity
➢ fixed budget for Employee Benefits Software
➢ fully integrated with the payroll system
facilitating administrative and accountancy tasks, “in house” controlled, paid software
➢ fully automised
no human interference and goodbye to paperwork or spreadsheets
➢ massive advantages for the Employees & Employers
Anonymity & less risk of stigma , speed of access when desperately needed
Loyalty from employees to employers

5. scudi is an Enterprise SaaS provider – not a lender
MOBILE APPLICATION
our PRODUCT
SAAS PLATFORM
For amounts over €500.00 a request
will be sent for approval!
✓ anonymous
✓ instant access
✓ when needed
✓ free budgeting &
savings tools
Increased staff loyalty!!!
Increased attraction,
motivation & performance
Improved corporate image
Improved D&I and CSR
Less admin

6. what is scudi’s USP?
scudi is unique
➢ the employee does not pay
➢ the employer buys scudi software
➢ scudi delivers the service and operations
➢ scudi offers different models adapted to
the needs of the Employer

7. how does generate revenue ?
• Sale of scudi distributor licenses and royalties
• Sale of the scudi Enterprise Saas product and services to corporates
➢ through scudi opco
➢ via distributor licensees
➢ direct HQ sale to multinationals
• Sale of embedded products and employee benefit add-ons

8. Geographical focus:
Germany, Belux, the UK, Fr and It
target markets &
total yearly wages in €
TRNV
YES
OECD countries
2BN €
EU 27+1
FRANCE
>9BN €
Germany, France & EU market size numbers based on the numbers of
employees X average yearly salary*
> 4TRN €
*Eurostat
** EY Report Sept 2020, On-Demand Pay: payroll that works for all
20%
14%
13%
10%
6%
7%
10%
20%
WORKFORCE BY COUNTRY EU27+1
Germany UK France Italy BENE Poland Spain Other
1BN €
GERMANY

9. Social impact
scudi empowers employees to
control their finances and
develop healthier financial
habits - reducing prevalent
financial worries & impact on
mental and physical health
*The S in ESG relates to the social element of organisational practices regarding human rights,
business ethics, supply chain management, diversity and inclusion, and social impact
why scudi ?
scudi promotes the S in ESG*
Human rights
scudi offers instant
access to earned
salary – a de facto
human right
Diversity, Inclusion & Equity
scudi is available to all employees,
regardless of identity
scudi promotes socioeconomic inclusion
and benefits most those who need it

10. NOW is the right time!
EWA meets the demand of today’s workforce
Employees are coming up short more than ever
Employees are more stressed than ever
Retention is harder than ever
Corporates look for solutions to retain their staff more than ever
Empathy as an organizational benefit makes sense

11. leadership
Lorenzo Zaccaria,
Co-founder
International
Business
Development
SECRET WEAPON
Paul Zenke,
Co-founder &
CEO scudi Germany
banking, solar
energy, restructuring
companies
NUMBERS
CRUNCHER
Veera Johnson,
Senior advisor
IT & Finance
UK Business Women
of the Year in 2009
UK Women of the Year
in Sustainable Technology
in 2022
Rie Sordo-DeCock,
Founder and CEO
focus on innovation
PASSIONATE
Caroline Wildemeersch,
Legal Counsel *
a mixture of experience and young talent
*external
Colette Wyatt,
CEO Evolve
Senior Consultant
TOGAF Certified
Solution Architect
and founder of
Award Winning
SaaS Platform
Stoyan Pedev
CTO
CDO at Cognition
Foundry
Co- Founder
CEO at Conquex
law and computer
science, LL.M, MSc
Computer science

12. by naming scudi after an Italian coin, we combine history with a modern, cash free payment
solution. Scudo (scudi pl) is derived from scutum (latin for shield)
Thank you for your attention !
Rie@scudi.me
+32 (470) 736737