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Amore Finance
- 1. NEW LOOK AT THE FAMILIAR THINGS
- 2. World trends in the banking sector IntegrationofITtechnologiesintobankingstructures Growthofbankinginvestmentsinfintech-cooperationof financialtechnologiesandtraditionalbankingstructures IncreaseinthenumberofInternetbankingusers-thetransition fromatraditionalbankingmodeltotheonlinebankingmodel Increaseinthenumberofusersofmobilebanking-expansionof therangeofservicesavailableinthemobileapplication SOURCE: EY - GLOBAL BANKING OUTLOOK 2018 PWC - RETAIL BANKING 2020 - EVOLUTION OR REVOLUTION? PWC - PSD2 DIRECTIVE
- 3. Customer needs Ubiquitousmobility-round-the-clockaccesstoservicesand supportthatcanbeobtainedthroughunconventionalchannels, forexamplethroughsocialnetworks Expandingneeds-theabilitytohaveandmanagealltheservices inoneplace Increasedspeedofoperations Clearandconvenientmanagementoffinancesfromthepersonal cabinet Abilitytotrackstatisticsandanalyzepersonalbudget SOURCE: EY - FINTECH: PERSPECTIVES OF MARKET PWC - RETAIL BANKING 2020 - EVOLUTION OR REVOLUTION?
- 4. Our solution AmoreFinanceoffersacomprehensivesolutioninthefieldof accountmanagement,currencyexchange,paymentprocessingother financialservices TheAmoreFinancesystemincludes2productswhichprovideready- madefinancialsolutionstoindividualsandlegalentities Nowthereisnoneedtovisittheoffice-registration,communication andprovisionofservicesarecarriedoutonline AMORE BUSINESS AMORE ONE Smartbankaccountforyour business ManagementAccounting OnlineBilling Corporatepaymentcards Personalaccountandmodern financeservice Personalexpensescalculator Multi-currencyprepaidmoney card
- 6. All corporate finance - in a browser or smartphone Multi-currency account and a favorable exchange rate Analysis of your business results
- 9. MAKE BUSINESS EASY WITH US PAYMENTS BOOKKEEPING ONLINEBILLING CLEARREPORTING SEPApayments InternationalpaymentsSWIFT/ IBAN Internalpayments Instantpaymentsfromcardto card Searchbyname/phonenumberof carddetailsinAmoresystem Easyandclearaccountingdirectlyin theapplication Withusyoueasilycalculatetaxesand feestosendataxreturn Autogenerationofreportsindifferent formats(CSV,Excel,PDF) Createandsendinvoiceswiththe individualdesignofyourcompany rightintheapplicaton Inaddition,watchwhoisyourbest clientandwhodidnotpayyou Sendautomaticreminderstoyour customersrightintheapp Watchcashflowandplanyour expensesinaccordancewiththe forecastforthefuture Statementofcashflows,profitsand lossesreport-allthisisavailablein theapplicationinclearand understandableinfographics
- 10. TARGET GROUP Category - small and medium-sized enterprises Territorial structure - 60% CR, 40% EU Average annual turnover - 1,000,000 CZK Specificity - incoming and outgoing payments in different currencies, entrepreneurs of a new generation - speed and simplicity ČR 60% EU 40%
- 13. Amore One debit multi-currency card linked to the client's personal account The card is multicurrency, the exchange of currencies is carried out directly in the application at the rate of Forex With Amore One debit card you get a regular cashback from every purchase and an increased cashback for purchase from Amore Finance partners Save money for established purposes with the choice of the amount that will go to savings Split payments with friends (splitting of expenses) Transfer of money within the system directly to the card / phone number, linking card data to a contact in the phone book Individual design of the card Initial level of subscription without opening a personal bank account You can connects all your bank accounts in one place, showing you the overview of your finances Financial manager that reduces all transactions in one place and allows you to receive consolidated statements on all transactions You can see all the expenses - the system remembers each purchase and writes it to the appropriate category Making money transfers around the world up to 1000 euros without customer identification, profitable Forex exchange rate PremiumSubscription StartSubscription
- 14. Accordingtostudies ofNMSMarketResearchforRaiffeisenbank (2017),96%ofCzechshaveatleastonepaymentcardintheir wallets Mostoftentheyhaveonlyonecard(56%).Threeormorecards haveoneintenCzechs.Menaremoreactiveinthisregardthan women,threeormorecardshaveoneinsixmen,andonly4%of women Thenumberofpaymentcardsincreaseswiththeincomeof respondents Statistics of bank cards in the Czech Republic 0 136 250 000 272 500 000 408 750 000 545 000 000 2010 2011 2012 2013 2014 2015 2016 2017 0 203 750 000 407 500 000 611 250 000 815 000 000 2010 2011 2012 2013 2014 2015 2016 2017 0 2 875 000 5 750 000 8 625 000 11 500 000 2010 2011 2012 2013 2014 2015 2016 2017 TOTAL ISSUED BC IN THE CR PAYMENTS BY CARD IN THE CR VOLUME OF PAYMENTS BY CARDS (IN THOUSAND CROWN) IN THE CR96%haveatleast1card 56%haveonly 1bankcard 3 and> BC 1/10 SOURCE: NMS MARKET RESEARCH SDRUŽENÍ PRO BANKOVNÍ KARTY (SBK)
- 16. Wedon'tseeourpersonalexpenseswell.Usuallytheyaresmall, spontaneous,impulsivepurchases Ifthereareseveralbankcards,theanalysisofthebudgetis complicatedbytheneedtosummarizethepurchasesoneachcard Startanalyzeyourbudget.Youcanseealltheexpenses,andyou don'tneedtowriteanything.Thesystemrememberseach purchaseandwritesittotheappropriatecategory Analyzethehistoryofpaymentsindifferentgroupstoseehow muchgoestooneortheothercategory Planyourbudgetforthefuture-youcancontributeyourfuture incometothesystem,andalsoestablishplannedlimitsforyour expenses Keep track of your budget Cash 27% Restaurant 14% Grocery 21% Taxi 14% Airticket 14% Petrol 11% 0CZK 550CZK 1 100CZK 1 650CZK 2 200CZK TaxiJanuary TaxiFebruary TaxiMarch TaxiApril TaxiMay 8300CZK 4000CZK 4000CZK 4000CZK 3600CZK 10000CZK Expenses January
- 17. All finance and services in one place Nowallyourcardsandaccountsfromdifferentbanksareavailable onlineinoneapplication Youcanalsoaddyourexistingbonusanddiscountcardsandstore themintheapplicationregistry.Youcanacceptnewbonuscards frompartnersofAmoreFinanceandaddthemtoyourbonuscard registryusingpushnotifications
- 18. PREMIUM SUBSCRIPTION Amore One debit multi-currency card linked to the client's personal account The card is multicurrency, the exchange of currencies is carried out directly in the application at the rate of Forex With Amore One debit card you get a regular cashback from every purchase and an increased cashback for purchase from Amore Finance partners Save money for established purposes with the choice of the amount that will go to savings Split payments with friends (splitting of expenses) Transfer of money within the system directly to the card / phone number, linking card data to a contact in the phone book Individual design of the card
- 19. Simple Statistics 77% of Czech households have Internet access 52% of adults in the Czech Republic in 2017 used Internet banking. Ten years ago there was only 10% 55% of bank clients in the Czech Republic used a smartphone to access Internet banking SOURCE: THE CZECH STATISTICAL OFFICE (CZSO) EUROSTAT INFORMATION
- 20. % OF PERSONS IN THE AGE OF 16 TO 74 YEARS USING INTERNET BANKING IN THE CZECH REPUBLIC % OF PERSONS IN THE AGE OF 16 TO 74 YEARS USING INTERNET BANKING IN THE EU 0 15 30 45 60 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 0 15 30 45 60 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 0% 20% 40% 60% 80% EU 28 prům ěr M uži Ženy 16–24 let 25–54 let 55–74 let Základní SŠ Vysokoškolské PERSONS USING INTERNET BANKING IN THE CZECH REPUBLIC, 2017 PERSONS USING INTERNET BANKING IN THE CZECH REPUBLIC, 2017 0% 20% 40% 60% 80% C elkem 16+ Ženy 16+ 25–34 let 45–54 let 65+ SŠ bez m aturity VysokoškolskéŽeny na R DZam ěstnaní Stariobnídůchod SOURCE: THE CZECH STATISTICAL OFFICE (CZSO) EUROSTAT INFORMATION
- 22. MAKE PURCHASES EASILY AND PROFITABLE TOUCH-AND-GO VIRTUALBANKINGCARD QUALITYCUSTOMERSUPPORT SAVINGMONEYWITHAPIGGY BANK MULTICURRENCYCARDCASHBACKONEVERYPURCHASE Paycontactlesslywithyourcardandeven withoutitusingsmartphone or smartwatchwithGooglePay,Samsung PayorApplePay Create anadditionalvirtualcardforfree- ithelpsyoutomakesecuretransactions andprotectfrombecomingavictimof onlinecardfraud Ifyoudon'thaveincomefromyour purchases,itisworthtransferringmoney totheAmoreOnecard. Getcashback fromeverypurchaseandincreased cashbackforpurchasefromAmore Financepartners Theonecardyoucanconvenientlypayin allcurrencies. Profitablecurrency conversionintheapp.Whenbuyingina currencyotherthanthecurrencyofthe card,theconversionoccursautomatically attherateofForex Nomorecallsandvisitstothebank.All questionsaresolvedsimplyand informallyinthelivechat Apiggybankistheeasiestand fastest waytosaveforyourfinancialgoals.You canchoosetoroundupevery transaction,setuparecurringpayment orsimplymakeone-offcontributions