Investree is peer-to-peer lending marketplace platform that connects consumers (retail investors) directly to businesses and other individuals to borrow money.
Contact: adrian@investree.id
DailySocial in cooperation with JakPat has conducted a survey on non-Credit Card Installment Programs for e-commerce transactions among Indonesian consumers. Our survey has found that although only a small percentage of Indonesian online consumers currently have a credit card, quite a number of consumers have taken advantage of non-Credit Card installment programs.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
Pacific Microfinance Week, is an event hosted by Microfinance Pacifika Network (MFPN) and the Foundation for Development Corporation (FDC) and provides a platform for stakeholders to discuss and share achievements, visions and priorities in fostering the growth of microfinance and financial inclusion throughout the Pacific. Manoj Sharma, Director, MicroSave actively participated in the program where he moderated a session on Global and Asia Region Trends and Initiatives. In this presentation he draws upon the global best practices and focuses on business model alternatives, and builds a case for making a thought through selection of the business model including the front end technology while always keeping the clients’ need at the centre of the business.
Digital challenger banks are simplifying the financial world, creating a customer centric approach to services, and transforming the way banking is viewed by the public and the market
DailySocial in cooperation with JakPat has conducted a survey on non-Credit Card Installment Programs for e-commerce transactions among Indonesian consumers. Our survey has found that although only a small percentage of Indonesian online consumers currently have a credit card, quite a number of consumers have taken advantage of non-Credit Card installment programs.
Technology-driven change has become a constant for merchants,
financial institutions, and processors. That reality has created a shifting
landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
assessment of that landscape indicates several clear trends affecting
the industry. For more info: www.nafcu.org/vantiv
Pacific Microfinance Week, is an event hosted by Microfinance Pacifika Network (MFPN) and the Foundation for Development Corporation (FDC) and provides a platform for stakeholders to discuss and share achievements, visions and priorities in fostering the growth of microfinance and financial inclusion throughout the Pacific. Manoj Sharma, Director, MicroSave actively participated in the program where he moderated a session on Global and Asia Region Trends and Initiatives. In this presentation he draws upon the global best practices and focuses on business model alternatives, and builds a case for making a thought through selection of the business model including the front end technology while always keeping the clients’ need at the centre of the business.
Digital challenger banks are simplifying the financial world, creating a customer centric approach to services, and transforming the way banking is viewed by the public and the market
The future of fin tech and financial servicesVarun Mittal
In this roundtable, held as part of the investment summit — “ Deal Day” powered by EY in November — we hosted 22 senior financial services executives investors and FinTech founders to talk about the evolving trends around FinTech innovations and investment in the next 12 months.
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
Impact of Digital Banks on Incumbents in SingaporeVarun Mittal
Incumbents have to act now in order to be prepared for the digital bank launch in Singapore by 2021. The New Digital Banks (NDBs) aim to launch customer-centric, differentiated products to meet
their lifestyle goals along with simple and superior user experience.
The new age customers expect transparency and frictionless
experience from their banks.
The incumbent banks should leverage the trust and relationship
built with their customers over the years. They should re-evaluate
their strategy, invest in understanding customers’ needs and enable a digital experience that is at par with leading technology players in the market. Incumbents should take timely action by choosing a viable option to position their business ahead of competition and disruption!
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Was recently invited to share my thoughts on fin-tech with the board of a top 5 bank in India. While Indian banks have several challenges, I was impressed by this board's disruption awareness and desire to embrace technological change. It was a good discussion. Here is an edited version of that presentation (removed a few non-public info slides).
P2P Lending Business Research by Artivatic.aiArtivatic.ai
Financial Lending or P2P Lending is going to play important role in the economy of entire world including India. Artivatic conducted Lending (P2P) research to understand the sector specific problems, growth and opportunities and also the use of technologies.
#lending #p2p #fintech #banking #insurance #payments #accounts #bfsi #deeptech #artivatic #startups #technology
How to do LendingClub's SWOT Analysis in just 2 minutes? Strengths, Weaknesse...SWOT & PESTLE.com
Check out our latest publication on LendingClub, which is an American peer-to-peer lending company. It has it's headquarteres in San Francisco, California.
Check out the SWOT and PESTLE analysis on LendingClub- https://www.swotandpestle.com/lending-club/
The analysis covers the business strategy of LendingClub.
We appreciate Akshay Mohan's contribution towards this research report.
Follow us @swotandpestle to know more and visit our website - https://www.swotandpestle.com/
NEED HELP WITH YOUR RESEARCH?
Apart from SWOT and PESTLE analysis we also do Value chain analysis, Porter's five forces, BCG Analysis, Segment-Target and Positioning Analysis and other models and analyses to suit customised needs. Place your inquiry here
https://www.swotandpestle.com/solutions/
#LendingClub #SWOTAnalysisLendingClub #PESTLEAnalysisLendingClub #MarketResearchLendingClub #CustomisedResearchLendingClub #StrategyLendingClub #BusinessCasestudyLendingClub #BusinessStrategyLendingClub
#SWOTandPESTLELendingClub #SWOT #PESTLE #ConsultingLendingClub
MEDICI's new India InsurTech Report 2020 explores the InsurTech sector in India. The report delves into what drives transformation in the sector, regulatory initiatives, funding & investment activity, prominent players, and business models.
This PPT gives the Introduction to the financial services, their strengths, weakness, opportunities as well as Trends in Banking & Financial Services.
This presentation also includes the Recent developments in the finance field and the strategies to manage demand and capacity within the Financial Service Industry. It also presents the information about the major types of financial services and 7Ps of the same.
Financial Technology: Insights into an Exploding IndustryCory Brooks
Financial Technology will dramatically change your life; it may have already. This powerpoint gives the market overview FinTech as well as sector overviews concerning digital payments, online lending, and InsurTech.
Eyes wide shut: Global insights and actions for banks in the digital ageIgnasi Martín Morales
We know what banks want to achieve.
We know how they can achieve it. What we
want to explore further is how close banks
are to achieving their digital goals, both
now and over the next few years. So we
asked 157 senior IT executives, CIOs, CTOs
and other heads of technology spanning
14 primary markets for their thoughts on
digital banking’s potential for today – and
tomorrow. This paper presents the findings
of our study and examines the implications
of our findings for banking technology
executives.
Pay Master App is the mobile recharging and payments app in Sri Lanka. As part of their growth plan, this is the seed+ raise they have requested from possible investors. Paymaster is a fully owned subsidiary of FirstPay Pte Ltd
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
Fintech & Insurtech - Lending Platforms: Company presentation by Bulent Tekmen, Co-Founder & CEO of Colendi, at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
The future of fin tech and financial servicesVarun Mittal
In this roundtable, held as part of the investment summit — “ Deal Day” powered by EY in November — we hosted 22 senior financial services executives investors and FinTech founders to talk about the evolving trends around FinTech innovations and investment in the next 12 months.
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
Impact of Digital Banks on Incumbents in SingaporeVarun Mittal
Incumbents have to act now in order to be prepared for the digital bank launch in Singapore by 2021. The New Digital Banks (NDBs) aim to launch customer-centric, differentiated products to meet
their lifestyle goals along with simple and superior user experience.
The new age customers expect transparency and frictionless
experience from their banks.
The incumbent banks should leverage the trust and relationship
built with their customers over the years. They should re-evaluate
their strategy, invest in understanding customers’ needs and enable a digital experience that is at par with leading technology players in the market. Incumbents should take timely action by choosing a viable option to position their business ahead of competition and disruption!
Alternative Data: Transforming SME FinanceJohn Owens
This presentation summarizes the IFC/World Bank/G20 GPFI report on the landscape of alternative data and players that are expanding access to SME finance. This presentation was prepared jointly with the effort of my co-author Lisa Wilhelm. The complete report can be downloaded at https://www.smefinanceforum.org/post/alternative-data-transforming-sme-finance
Was recently invited to share my thoughts on fin-tech with the board of a top 5 bank in India. While Indian banks have several challenges, I was impressed by this board's disruption awareness and desire to embrace technological change. It was a good discussion. Here is an edited version of that presentation (removed a few non-public info slides).
P2P Lending Business Research by Artivatic.aiArtivatic.ai
Financial Lending or P2P Lending is going to play important role in the economy of entire world including India. Artivatic conducted Lending (P2P) research to understand the sector specific problems, growth and opportunities and also the use of technologies.
#lending #p2p #fintech #banking #insurance #payments #accounts #bfsi #deeptech #artivatic #startups #technology
How to do LendingClub's SWOT Analysis in just 2 minutes? Strengths, Weaknesse...SWOT & PESTLE.com
Check out our latest publication on LendingClub, which is an American peer-to-peer lending company. It has it's headquarteres in San Francisco, California.
Check out the SWOT and PESTLE analysis on LendingClub- https://www.swotandpestle.com/lending-club/
The analysis covers the business strategy of LendingClub.
We appreciate Akshay Mohan's contribution towards this research report.
Follow us @swotandpestle to know more and visit our website - https://www.swotandpestle.com/
NEED HELP WITH YOUR RESEARCH?
Apart from SWOT and PESTLE analysis we also do Value chain analysis, Porter's five forces, BCG Analysis, Segment-Target and Positioning Analysis and other models and analyses to suit customised needs. Place your inquiry here
https://www.swotandpestle.com/solutions/
#LendingClub #SWOTAnalysisLendingClub #PESTLEAnalysisLendingClub #MarketResearchLendingClub #CustomisedResearchLendingClub #StrategyLendingClub #BusinessCasestudyLendingClub #BusinessStrategyLendingClub
#SWOTandPESTLELendingClub #SWOT #PESTLE #ConsultingLendingClub
MEDICI's new India InsurTech Report 2020 explores the InsurTech sector in India. The report delves into what drives transformation in the sector, regulatory initiatives, funding & investment activity, prominent players, and business models.
This PPT gives the Introduction to the financial services, their strengths, weakness, opportunities as well as Trends in Banking & Financial Services.
This presentation also includes the Recent developments in the finance field and the strategies to manage demand and capacity within the Financial Service Industry. It also presents the information about the major types of financial services and 7Ps of the same.
Financial Technology: Insights into an Exploding IndustryCory Brooks
Financial Technology will dramatically change your life; it may have already. This powerpoint gives the market overview FinTech as well as sector overviews concerning digital payments, online lending, and InsurTech.
Eyes wide shut: Global insights and actions for banks in the digital ageIgnasi Martín Morales
We know what banks want to achieve.
We know how they can achieve it. What we
want to explore further is how close banks
are to achieving their digital goals, both
now and over the next few years. So we
asked 157 senior IT executives, CIOs, CTOs
and other heads of technology spanning
14 primary markets for their thoughts on
digital banking’s potential for today – and
tomorrow. This paper presents the findings
of our study and examines the implications
of our findings for banking technology
executives.
Pay Master App is the mobile recharging and payments app in Sri Lanka. As part of their growth plan, this is the seed+ raise they have requested from possible investors. Paymaster is a fully owned subsidiary of FirstPay Pte Ltd
The Fintech industry which is the backbone of all economies has also been impacted because of Covid. What are the implications of Covid to an important sector?
Fintech & Insurtech - Lending Platforms: Company presentation by Bulent Tekmen, Co-Founder & CEO of Colendi, at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
Digital 2022: Ethiopia
This page contains all the data, insights, and trends you need to help you understand how people in Ethiopia use connected devices and services in 2022.
You’ll find our complete Digital 2022 report on Ethiopia in the “full report” section below, but let’s start by taking a look at the essential headlines for digital adoption and use in Ethiopia this year.
ADVERTISEMENT
Ethiopia’s population in 2022
Ethiopia’s total population was 119.3 million in January 2022.
Data show that Ethiopia’s population increased by 2.9 million (+2.5 percent) between 2021 and 2022.
50.0 percent of Ethiopia’s population is female, while 50.0 percent of the population is male.
At the start of 2022, 22.7 percent of Ethiopia’s population lived in urban centres, while 77.3 percent lived in rural areas.
Note: gender data are currently only available for “female” and “male”.
Ethiopia’s population by age
The median age of the population in Ethiopia is 19.9.
For additional context, here’s a look at how the population in Ethiopia breaks down by age group:
• 14.3 percent of Ethiopia’s population is between the ages of 0 and 4.
• 20.3 percent of Ethiopia’s population is between the ages of 5 and 12.
• 11.3 percent of Ethiopia’s population is between the ages of 13 and 17.
• 14.5 percent of Ethiopia’s population is between the ages of 18 and 24.
• 15.5 percent of Ethiopia’s population is between the ages of 25 and 34.
• 10.0 percent of Ethiopia’s population is between the ages of 35 and 44.
• 6.5 percent of Ethiopia’s population is between the ages of 45 and 54.
• 4.0 percent of Ethiopia’s population is between the ages of 55 and 64.
• 3.6 percent of Ethiopia’s population is aged 65 and above.
Note: percentages may not sum to 100 percent due to rounding.
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Internet use in Ethiopia in 2022
There were 29.83 million internet users in Ethiopia in January 2022.
Ethiopia’s internet penetration rate stood at 25.0 percent of the total population at the start of 2022.
Kepios analysis indicates that internet users in Ethiopia increased by 731 thousand (+2.5 percent) between 2021 and 2022.
For perspective, these user figures reveal that 89.50 million people in Ethiopia did not use the internet at the start of 2022, meaning that 75.0 percent of the population remained offline at the beginning of the year.
However, issues relating to COVID-19 continue to impact research into internet adoption, so actual internet user figures may be higher than these published numbers suggest (see here for further details).
For the latest insights into internet adoption and use around the world, follow our regular Global Statshot reports.
Go global: see how Ethiopia’s current “state of digital” compares with connectivity in other countries by reading our flagship Digital 2022 Global Overview Report, which includes hundreds of slides of global digital data, and our in-depth analysis of what these numbers might mean for you.
Internet connection speeds in Ethiopia in 2022
Data
The Complete Process of an SME Loan Applicationsmeguru.sg
Singapore’s economy is driven by small and medium-sized enterprises, which make up about 99% of all enterprises. Thus, SME financing accounts for a significant segment of the business financing market, where working capital is given out to companies through different SME loan products.
Apart from the traditional banks and financial institutions that still provide the majority of business loans in Singapore, financial technology (FinTech) is rising and fast, making its presence known as an alternative source of business financing.
HOW TO GET A SMALL BUSINESS LOAN TO START A BUSINESSRanjan Malhotra
Lendingkart Technologies Private Limited is a fin-tech startup in the working capital space. The Company has developed technology tools based on big data analysis which facilitates lenders to evaluate borrower’s credit worthiness and provides other related services.
Silvrr is a technology company. Funded by IDG (International Data Group), and ChinaGrowthCapital established Venture Capital firms based in Silicon Valley, CA and Beijing respectively
For the purposes of developing the following:
Online Payment Solutions
Credit Services
E-Commerce
Remittance
SFO Consultants is a boutique transformational consulting firm focused on delivering Business Strategy and Operational Excellence advisory services to Community Financial Services including Community Banks, Regional Banks and Credit Unions.
Similar to ARENA ONE Demo Day 2016 - Investree (20)
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I have heard many times that architecture is not important for the front-end. Also, many times I have seen how developers implement features on the front-end just following the standard rules for a framework and think that this is enough to successfully launch the project, and then the project fails. How to prevent this and what approach to choose? I have launched dozens of complex projects and during the talk we will analyze which approaches have worked for me and which have not.
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2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
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Orchestrator execution result
Defect reporting
SAP heatmap example with demo
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2. Low financial penetration rate for both MSME and
consumer, yet huge upside potential awaits
10%
22%
61%
80% 85%
IDN IND SG TH MAL
Consumer Loan to GDP
40% 51%
132%
159%
125%
IDN IND SG TH MAL
Business Loan to GDP
there are 57% of Indonesian
people who borrowed money
for any reason and from any
source in the past 12 months
Financial Institution
Friends & Families
Informal Lender
13%
3%
42%
from
Sources : Bank Indonesia , World Bank Statistics
3. 3
Lack of investment alternatives that allows retail & institutional investors to invest small amounts of monies in short
term + well structured /secured + high yields
Low retail investor base
given risk averse nature of
majority of Indonesian
High barrier to entry for
retail investors in terms of
nominal and fees
Limited and too complex
product range for “man on
the street” segment
Deposit interest rates +
inflation = low/negative
real interest rates
Key Proposition
Small minimum
investment size with
short tenor
High yield with clear
underlying transaction (ie
invoice , payroll)
No initial investment fee
thru online platform
Many investors to one
loan = risk diversification
Key Issues
Investor Problem:
barrier to entry for individuals to invest
3
Sources : Oliver Wyman & Mandiri Institute – Financial Deepening 2015
4. Introducing Investree! game changer in the financial landscape
is Indonesia’s online Marketplace that connects consumers who
wants to invest directly with businesses and other individuals who wants to borrow
money for personal or business.
o We are the 1st Indonesian P2P Marketplace for Personal & Business Loans
o Led by seasoned professionals with real market experience
o We enhance yield for investors while making it more affordable and accessible for borrowers
o We use a combination of traditional and behavioral scoring models to assess borrower credit
worthiness
o We facilitate thru partner banks the flow of funds and documents to ensure secured & seamless
digital transactions – Investree don’t hold monies
5. Key Proposition for Borrowers
Attractive rates by
matching borrowers
directly with their
respective lenders
Competitive RatesSimplicity
100% online, signing up
and applying for loan is
quick and easy
Speed
Borrowers can now enjoy
a streamlined loan
application process and
get funded within a
week
A sensible solution that enhance yield for investors
while making it more affordable for borrowers.
6. Key Proposition for Lenders
Disclosure of borrower’s
credit information to
allows lenders to make
informed lending
decision
TransparencySecured Transaction
Every fund movement is
handled by our
reputable bank partner
to ensure peace of mind
in transacting through us
By connecting you
directly with borrowers,
you earn full amount
of interest paid by
borrowers
Better Returns
All loans are governed by legally binding and
enforceable contracts according to Indonesian Law
7. Our Financing Solution!
P2P Lending for Business P2P Lending for Employee
Product Invoice Financing B2B Employee Loan
Target Market SME Business Employee &
Contract Worker
Loan Purpose Working Capital Multipurpose
Tenure Up to 12 month Up to 12 month
Payment Bullet Payment Installment
Indicative Pricing
14% - 20%*
effective pa
1.2% - 2.5%
flat per month*
Collateral Invoice + post-dated cheque +
PG
Unsecured
Repayment Source Invoice Payment Salary Deduction
Funding Period 14 days 5 days
*Based on Credit Risk Scoring
8. As simple as 1-2-
3, lenders can
choose which
project to fund
based on their
own risk
appetite
Each project is
completed with
detail fact sheet
of the borrower,
giving lenders
comfort level to
shop
9. Management Team –
Combined 60 yrs of professional experiences with proven track record
Completed his bachelor degree in Faculty of Economics in University of Indonesia and MBA
at Rotterdam School of Management
Last role as Director of Retail Banking at Bank Muamalat Indonesia, managing SME,
Consumer, Micro, Liabilities & e-banking across 400 branches
Trained as banker since the beginning, Adrian was all too aware with the difficulties of getting
financial access from formal institution, he knew that there must be a better way. By creating
Investree, he’s putting all his banking experience to digitalize financial inclusion and help
businesses and individuals
Completed his bachelor degree at University of Wisconsin – Madison and MBA at University
of San Francisco
Previous role asHead Retail Risk at Bank Danamon.
Dedes has broad experience in risk and operation strategy across diverse range of financial
institutions. As a fintech startup, Investree is no different compared to a financial institution,
it’s a business of risk, and he’s ready to manage it for investor’s best interest.
Completed his bachelor degree in University of Michigan – Ann Arbor
An eclectic by nature, Dickie has broad experience in executing digital business
transformation in several biggest national companies, such as Astra and Telkomsel. One of
the first Big Data evangelist, he’s experienced in leveraging data to drive various business
outcomes. As a tech company, Dickie will further enhance Investree business acumen.
Adrian – Co-founder
Dedes – CRO
Dickie – CIO
9
10. As of 30 May 2016:
Average Funding Period:
o 5 days
Average Return to Lenders:
o 16.7% p.a.
Default
o 0 Loans
1 3
9
16
23
316,000,000
818,400,000
2,297,400,000
3,875,400,000
6,664,400,000
-
5
10
15
20
25
-
1,000,000,000
2,000,000,000
3,000,000,000
4,000,000,000
5,000,000,000
6,000,000,000
7,000,000,000
Jan Feb Mar April May
TotalLoans Disbursed
Total Loans Booked Total Loans Disbursed
Construction
24%
Creative
Industry
28%
Legal
3%
Outsourcing
29%
Telecommunica
tions
16%
Investree Portfolio By Industry
3
7
- -
13
18
-
26
29
-
5
10
15
20
25
30
35
A1 A2 A3 B1 B2 B3 C1 C2 C3
AverageInvestors by Grading
Average Investors
Portfolio Highlights – per May 30,2016