apidays Singapore 2023 - Resilience to adaptability through digitisation April 12 & 13, 2023 Banking the Ecosystem: Innovating and partnering to meet customers where they are Apurv Suri, Venture Builder at SC Ventures ------ 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/

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Rewiring the
DNA in banking

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SC Ventures
We only back ventures and investments where we believe that we have competitive advantage
Our operating model
eXellerator
Facilitate innovation and
culture change within the
enterprise working with
Fintechs and clients.
Proof of concepts with fintechs
feed into investments.
Client co-creation, staff ideas feed
into the venture pipeline
Investment
Invest in Fintechs which
have partnered with either
the enterprise or the
ventures.
Fintechs in fund portfolio are
introduced to rest of the enterprise or
ventures for scaling.
Ventures
Create new, independent
business models and
partnerships adjacent to, or
competing with traditional
businesses.
Select ventures may return to the
enterprise as new capabilities.
Ventures use fintechs which
feed into investments.

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SC Ventures
Sustainability & Inclusion
Corporates and banks have the opportunity to fully integrate sustainability and financial inclusion into their business models
SMEs & World Trade
World trade is a crucial engine for global
welfare and GDP growth, but SMEs still
struggle with inclusion with the global
economy and access to the financial system
Online Economy &
Lifestyle
The rise and integration of the online
economy is a key driver for growth. Finance
needs to support the digital lifestyles of this
new economy
Digital Assets
Digital assets are here to stay, but in need of
a sustainable and safe infrastructure, which
banks are well positioned to provide
Considering changing global dynamics, we have developed high conviction themes which
reimagine how banks will serve society
Our high conviction themes

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SC Ventures
Online Economy & Lifestyle Digital Assets SMEs and world trade Sustainability & Inclusion
Ventures
The rise and integration of the online economy
is a key driver for growth. Finance needs to
support the digital lifestyles of this new
economy.
Digital assets are here to stay, but in need of a
sustainable and safe infrastructure, which
banks are well positioned to provi.
World trade is a crucial engine for global
welfare and GDP growth, but SMEs still
struggle with inclusion with the global
economy and access to the financial system
Digital assets are here to stay but in need of a
sustainable and safe infrastructure, which
banks are well positioned to provide.
Minority
investments
Building a robust portfolio of ventures and investments across 4 high conviction themes

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SC Ventures
SMEs are a backbone of economies but
have been denied access to finance and
technology
Solv works to enable e-commerce for
SMEs and better business services,
including access to financial services.
Banks have yet to bridge the gap
between trade financing and institutional
capacity, leaving open the “trade
financing gap”
Olea takes a transparent approach with
both suppliers and investors, using AI
and blockchain to contribute to
sustainable economic growth in supply
chains.
Digital assets are here to stay but the market
is in need of institutional adoption and safe,
compliant infrastructure
Zodia Custody provides bank-grade custody
for institutional investors. Zodia Markets is an
exchange and brokerage platform for
institutional investors.
As world trade is more important
than ever to GDP growth, supply chains
are dislocated
TASConnect provides end-to-end
automation, visibility and control over
supply chain ecosystems.
Our ventures are off to a promising start
• 3x YoY growth in Gross Transaction Value –
cumulative GTV of $422m
• BNPL and Supply Chain Finance offerings
launched
• Solv Kenya launched in Oct 2022
• Expansion into new markets underway in
Vietnam, Ghana and Malaysia.
• Concluded $40m fund raise, with majority
share from SBI Holdings (Japan)
Partnership with
• Partnership with Silverbirch Finance to
deliver cross-border working capital
solutions to the European-Asian corridor
• In India, Olea and Vayana furthered
partnership, launching a receivables
financing program and executed the first
landmark export financing transaction
under this program.
Partnership with
• $13.7bn+ of GTV (Gross Transaction
Volume) to date.
• >250k of Supply Chain invoices financed
through the platform to date
Partnership with Partnership with
• Zodia Custody – FY2022 AUC at ~$330m
• First dedicated crypto custodian registered in
Ireland; established asset custodian JV with SBI
in Japan
• Digital Assets Initiative of the Year at
Global Custodian’s Leaders in Custody awards
• Zodia Markets - received crypto asset registration
from the UK Financial Conduct Authority

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SC Ventures
Migrant workers exist outside the financial system
and often resort to expensive, unregulated ways of
repatriating funds
myZoi provides a safe, efficient,
regulated avenue for migrant works to
enable cross-border funds transfer
Banks hold power over how liquidity is invested;
consumers should have a options to be able to use
their funds for doing good
Shoal empowers consumers to support
the sustainability projects they choose, with
their deposits
Online economy is outpacing the bank’s ability
to provide financial services to consumers
Nexus is a plug-and-play business as a
service (Baas) solution, enabling banking and
financial services at scale for any e-commerce
platform’s customers
With a strong pipeline of ventures coming to market shortly
Partnership with
• Live in Sept 2022
• BukaTabungan launch (digital banking service in
partnership with Bukalapak)
• MVP is sustainable deposits, in partnership with
Starling Bank
• Currently conducting beta testing
• Obtained regulatory In principal approval; Commenced
Beta Testing
• Discussions with partners in Bangladesh, Pakistan and
Philippines underway
Partnership with
Pending Launch
Pending Launch Pending Launch
Standard Chartered nexus

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SC Ventures
Objective
Intrapreneurs
Supporting staff with innovative ideas to validate
and build as bank solutions or ventures.
Fintech / start-up engagement
Scouting and deploying fintech solutions with a
view to build new capabilities for the bank.
Client engagement
Engaging clients via co-creation workshops,
to develop new partnerships and JVs.
KPIs
Client insights
Providing frontline staff with curated and actionable insights
for clients using AI. Live in SG, UAE, UK, France.
Financial markets challenge
Open call – looked for predictive model to
estimate daily risk-based P&L.
TASConnect: Co-creation with Lenovo
• To digitize ecosystem of suppliers through platform /
marketplace integrated with multiple banks for financing,
through rule-based engines.
• Deepened from single to multi-product
corporate banking relationship.
Examples
SC eSign
Electronic signature platform for online document signing,
2FA and signer identity verification.
Launched in August 2020.
BlueSG challenge
Open call – looked for model to help BlueSG
optimize their fleet availability.
Sustainability collaboration with ENGIE
• Co-develop sustainability ventures to accelerate
Asia’s transition to zero carbon.
• 1 MOU signed to build capability to enable
MNCs to decarbonize supply chains.
• More projects in progress.
Our operating model can be replicated across other enterprises to drive internal
transformation
20 Countries live
32
Use
cases
100
RMs
trained 2.5K
Clients
in scope
2.5K
Ideas
submitted 30+
Business
challenges 3.1K
Start-up
community 440
PoCs /
Path to prod. 19 Conversations ongoing for
Metaverse co-creation
13 Applicants
01
Shortlisted
(Refinitiv)
07 Applicants
01
Shortlisted
(Good travel software)
16
Co-creation/
path to JV

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SC Ventures
• Trust Bank, second separately licensed digital
bank in Asia, after Mox in Hong Kong
• A unique partner in NTUC Enterprise with
unprecedented access to customers, including
supermarkets, pre-schools, training platforms, F&B,
financial services and health and eldercare
• Nexus provides global embedded finance solution
• Partnership with Indonesian e-commerce giant
Bukalapak including a strategic investment into
Bukalapak
• 2nd partnership with beauty and personal care
platform Sociolla
• MOX virtual bank in HK was launched as a Joint
Venture with HK Telecom, PCCW and Trip.com
• HKT and parent PCCW are Hong Kong’s leading
telecommunications provider
• Trip.com is Asia’s largest online travel agency
• Zodia offers institutional grade infrastructure for
digital assets
• Partnership and investment by Northern Trust in
December 2020 (for Zodia custody)
• Formed as a partnership with BC Group of Hong
Kong in July 2021 (for Zodia markets)
• Olea enabling trade assets as an investible asset
class was launched as a Joint Venture
• Linklogis: a leading provider of technology solutions
for supply chain finance
• Agreement with Refinitiv of the LSE Group to
provide supply chain financing solutions
• TASConnect, providing end to end automation,
visibility and control over supply chain ecosystems
• Partnered with Lenovo and an open platform to
onboard more anchors clients.
Strategic partnerships are core to our approach to build scalable,
viable businesses
nexu
s

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SC Ventures
SC Ventures Metaverse Strategic Summary
Identify and understand the
metaverse problem
statements that are
blocking mass adoption
Work with partners to
drive co-creation in the
metaverse and drive
commercial value
Build an innovative brand
image, delivering market
leading uses cases in
upcoming metaverses
Build core delivery capabilities,
infrastructure, operational processes
and risk management discipline
Leveraging core capabilities,
enable scaling of opportunities as
this market grows
Launched partnership
with The Sandbox, a
leading decentralised
gaming virtual world, to
create innovative
experiences for our
clients and the
community
Key Milestones Our Objectives

11. CONFIDENTIAL
Connect with us
scventures.io
FinTech Bridge
LinkedIn
Twitter

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Thank you

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SC Ventures
Disclaimer
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