apidays LIVE Singapore 2022: Digitising at scale with APIs April 20 & 21, 2022 Embedding finance in people's lives in Vietnam Bryan Carroll, Co-founder & CEO at TNEX ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

1. Embedding Finance in people’s lives in
Vietnam

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
Paris
DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
Check out our API Conferences
www.apidays.global
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8

3. apidays - Singapore 21st April 2022 - TNEX 3
Vietnam
Large, young, tech-savvy population with a growing middle class
98M
68M
149M
Population
Internet users
Mobile connections
Median age
30.9
Average daily time
spend on internet
6H 30M
banked population
31%
47M
33M
Fast-growing middle class,
driving consumer spending
2020
2025
6-6.5% GDP
growth
predicted
in 2022
Government’s
strong push
on cashless
payments
Source: Hootsuite - Global State of Digital (2021), World Bank Data (2017-2020), SVB and DBS – APAC predictions (2021)

4. apidays - Singapore 21st April 2022 - TNEX 4
average annual income
of the total working age population will
be GenZ by 2025
13M
Geographically dispersed, highly educated and
digitally native A vital source of employment, the backbone of the
economy and cash-dependent
Our target customers
people between 18-24 years old
$3.000
33%
4M
< $90k
50%
average annual revenue
of total’s retail trade with a value of
more than $100 billion in 2020
Micro SMEs - accounting for
97% of all enterprises
GenZ MSMEs
Source: Hootsuite - Global State of Digital (2021), World Bank Data (2017-2020)

5. apidays - Singapore 21st April 2022 - TNEX 5
Customers reasons for not opening a bank account.
Clearing the ‘traditional barriers’ to financial inclusion.
45%
23%
12% 12%
8%
15% 14%
1%
Insufficient funds Someone in the
family has an
account
Too far away Too expensive Lack of trust Lack of necessary
documentation
No need Religious reasons

6. apidays - Singapore 21st April 2022 - TNEX 6
Our aim is to twin with the daily lives of our customers
Online
shopping
4%
Phone calls/
messages
8%
Social networks
18%
Web browsing
13%
Downloading
3%
Mobile games
23%
Video
streaming
14%
Other activities
17%
6:30
Daily time spent
on mobile
Avg Income & Income Spend GenZ
Digital Time Spend
Living with Family Living Independently

7. apidays - Singapore 21st April 2022 - TNEX 7
From commodity to being a valued part of our customer’s lives
ENERGY
Consumer Proposition MSME Proposition

8. apidays - Singapore 21st April 2022 - TNEX 8
Embedding financial services into lifestyle services
Gametech/meta-like UI/UX
Monitor your
wellness
Add cash-
transactions
Quick access to
most used
services
Safe-to-spend
daily money
Follow
merchants and
products
Distance to
merchant
Product /Merchant
recommendations
Emoji-driven
PFM

9. apidays - Singapore 21st April 2022 - TNEX 9
Embedding a digital operating system into MSMEs
Enabling merchants to manage their business with a few taps using a simple, effortless, and intuitive app
Today’s total
sales
Apply a discount
/ promotion
Scan and show
shop QR code
Upcoming/
past orders
Last banking
transactions
Transfers &
payments
services
Add pictures /
videos to enhance
sales

10. apidays - Singapore 21st April 2022 - TNEX 10
 One of the most advanced Digital Banking
Platforms in SEA
 Opensource and SaaS
 Highly secure and scalable cloud-native
architecture (AWS)
 Modular, event-driven, and API 1st
 Low code approach to change
 Driven E2E by Data science (ML & AI) – from
customer personalization & engagement to
Intelligent workflow automation and risk
management
 Carbon conscious - We're driven by
“sustainability by design”
Digital native architecture
Architecture that enables rapid innovation and delivery while growing revenue and optimizing costs
Consumer App Merchant App 3rd Parties
API Layer
Financial Services
Platform
Security, E-KYC & Identity Platforms
Customer Experience &
Engagement Platform
Operations, Platforms and Payment gateway
Ecosystem Platforms - Social,
Merchant Marketplace &
Health Platform
Data
Science
(
AI
&
ML)
Finance, Risk & Compliance and Reporting Platforms
Mambu Core Banking System
Realtime
Events

11. apidays - Singapore 21st April 2022 - TNEX 11
07:00
WAKE UP
Check daily
balance and
budget.
08:30
COMMUTE
Buy bus ticket Planet
Travel. Read ‘Vitamin
T’.
10:00
TAKE A BREAK
Chat with friends and
send pictures. Pay by
message.
Buy banh mi on
Planet Food.
BREAKFAST
07:45
Buy noodles using
Energy.
LUNCH
12:00
Play TNEX games and
chat with friends.
FINISH WORK
17:00
Track my Mood. Renew
my insurance
START WORK
09:00
Buy a movie ticket on
Planet Entertainment.
CINEMA
20:00
17:30
DRINKS
Buy a drink and pay with
my TNEX Debit Card.
12:45
AFTER LUNCH
Try for a Lucky Prize.
Top up my phone.
22:00
BED
Review my
Physical Activity &
Mood.
Potential Day in the life of a TNEX Customer