Colendi aims to provide accessible consumer credit solutions for the unbanked and underbanked populations, addressing the lack of financial services affecting 3.42 billion people globally. Utilizing innovative technology and user consented data, Colendi offers a transparent credit scoring system and various financial products without requiring traditional banking history. The platform is designed to disrupt a $4 trillion market by creating new financing opportunities for underserved individuals and businesses.

1. World’s most
accessible
consumer credit
product

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3. Limited access
If you don’t have a bank account,
you cannot have a credit score and
cannot access financing. Even for
people with credit scores, only
about half of them were able to
access financing in the past 12
months.
Inadequate assessment
Credit risk assessment systems fail
to deploy an accurate assessment
of creditworthiness They are mostly
dependent on banking credit history
and neglecting extensive user
behavioral data.
No transparency
How is your score calculated?
Central scoring systems are not
transparent about the set of rules
defined in their credit scoring
mechanism, causing a lack of trust
in the scoring system.
“2.93”billion
people
The Problem
53%of the world’s adults
have no access to
financial instruments.

4. Source: McKinsey research https://www.mckinsey.com/industries/financial-services/our-insights/counting-the-worlds-unbanked
26-50%
v
0-25 %
z
51-75%
v
76-100%
v
Latin America
250 million adults
65%
High income OECD
countries
60 million adults
8%
Central Asia &
Eastern Europe
193 million adults
49%
East Asia
Southeast Asia
876 million adults
59%
SouthAsia
612 million adults
58%Middle East
136 million adults
67%
Sub-Saharan Africa
326 million adults
80%
2.5 billion unbanked
72% of population is ‘not credible’
According to World Bank statistics, 2.45
billion people in the world are unbanked,
while over 975 million of the current
banked population is not eligible for credit
which means 3.42 billion people (72% of
the world adult population) is defined as
‘not credible’.
Over 70% of the underdeveloped part of
the world has no access to credit and
almost 60% of global population demands
increase in credit usages.
Expensive, non-digital and insecure
traditional methods are being used at the
moment to meet the financial needs.

5. World’s most accessible consumer credit product
85% of our consumers get credit
in less than 1 minutes
PersonalizedInstant
Convenient
Open Inclusive
TransparentApply 24/7; no paperwork; no
visits to the bank
No credit history or bank
account required
3 or 4-week tenors; loan sized (USD
$10-300) & fees customized based on
creditworthiness; loan limits increase as
customers establish history
No application fee, no penalties, no
rollovers
>50% average approval rate

6. Social data
Mobile phone data
Psychometric data
Demographic data
Bill payment data
Location data
Personal Network Data
Merchant Transactions
Personal identifiers
We created a modern credit…
Process data Select ML models
Decisioning Toolkit
Fraud Model
Anomaly Detection Model
Personal Network Model
Behavioral Model
Deduplication New User
Repayment Model
Transaction Model
Credit Strategies
Smart Credit Decision Based on Risk
Dynamic Score Calculation
Real-time Rescoring Mechanism
Utilization of User Consented Data
Train and deploy
chosen model
Predicting probability of
default, churn
and bad debts
Integrate in Business

7. That’s why we are building a new generation bank to own our
customers and then roll out a complete solution
Mortgage
Cross Border
Services
Business
Loan
Insurance
Auto Loan
Personal
Loan
Currently
Live
Credit Score
Prepaid/Debit
Cards
Global Bank
Account

8. Use cases for global financial transformation
Installment Shopping
Digital conversion for the most
traditional shopping and payment
methods.
Microcredit
Microcredits made available by
lenders based on the unbiased
credit score for users.
P2P Finance
Credibility assessment for p2p
financing with user permission to
scorecard sharing.
Reliability Measure
A global score to serve as a
benchmark for any app, service or
business.

9. Pay with Colendi
Auto
Opet
Apparel
Boyner
Electronics
Teknosa
Home & Furniture
Ikea
Market
CarrefourSA
Shipping
YurtiçiKargo
Apparel
Mavi
Apparel
Jack & Jones
Apparel
Morhipo
Apparel
NetWork
Accessories
Atasay
Apparel
Kiğılı
Auto
Speedy
Business
eOfis
Beauty
Aydınlar Dental
Beauty
EsDerm
Travel & Events
CaveArt
Travel & Events
Le Vent
Shoes
Hotiç
Apparel
Ipekyol
Apparel
Ebebek

10. B2B2C Strategy
Limak
Limak Energy has more than 4 million
households in Turkey.
App Features:
• Bill payment on Limak Wallet
• Colendi Score Integration
• Limak Pre-paid Card
• Installment Shopping

11. B2B2C partnerships are ready to scale 100x growth
with existing partners
Active Userbase Conversion Rate Potential Users
Similar Future Potential Partnerships
can scale to 100x customers
3,000,000
1,500,000
100,000
2% (Loans) 600,000
300,000
20,000
2% (Loans)
2% (Loans)

12. Usage Areas of
Colendi

13. Colendi will become a lifestyle Super App
Life services
Social platforms
Merchant resources
Financial services
Pay with Colendi
Mortgage
Cross Border
Services
Business
Loan
Insurance
Auto Loan
Personal
Loan
Build Credit
Prepaid Cards
Public Welfare
Medical Services
Campus
Daily Household
Services
Mobile Top-up
Transportation
Merchants
Dining
Online
Shopping
Gaming
18.30 20.00 21.00
12.00 15.00 16.00
07.30 08.00 08.15
Colendi Wallet

14. Team & Board
- Key Highlights
Serkan Omerbeyoglu
Payment processor
Acquired by
Our Fintech journey has begun over the past
decade with the purpose of providing basic
financial services to unbanked & underbanked
populations.
Team’s proven track record in Fintech sector
with multiple digital payment services covering
millions of unbanked populations and
successful exits provided the necessary
know-how and technical confidence to create
Colendi.
Acquired by
Vamshi AmbatiRam Chari Deniz Devrim Cengiz
As a team that aims to become leading force
in industry, we are aware of the fact that it is
not so possible to be successful without the
right people in our team and advisory board.
Colendi is proud to work with such
professionals of their sectors and we continue
to expand our activities and area of influence
with the help of their impressive skills and
experiences.
Erkan Kilimci
Bulent Tekmen
Mehmet Bostan
Errol Damelin

15. Summary: Ready with Tested Technology and Traction to
Disrupt 4 Trillion USD Market
A Global Vision
Colendi is a global product for
people who doesn’t have a bank
account or access to any financial
services Colendi provides banking
platform, credit score and micro
credit platform. This technology
creates new financing opportunities
in the markets with underserved
individuals and businesses.
Technology
Blockchain technology promises
huge potential to create a more
prosperous world where trust is
established through mass
collaboration and clever codes
rather than a powerful central
institution. Colendi embodies this
vision by its innovative scoring
algorithms in order to transform
financial service technologies.
Market
Colendi proposes a valid solution to
a chronic financial problem affecting
directly 5 billion “not-credible”
people, comprised of 2.45 billion
unbanked along with microfinance
requiring banked populations. The
economic impact is huge, and
Colendi has a unique solution to
create a globally reliable network.
Colendi Token
Colendi Token enables lenders/
merchants access Colendi Protocol to
check the creditworthiness of their
customer prior to issuing microcredit.
Complimentary to this utility, Colendi
token will also be staked by lenders
and data integrating parties to
bootstrap the network that is backed
by a reward and disincentive
mechanism.
Team
The founders are experienced
entrepreneurs and early fintech
adopters with earlier successful
exits. Their earlier startups reached
millions of unbanked populations
with convenient payment
technologies. Colendi is a product of
this know-how designed to solve the
unbanked risk assessment problem.
Governance
High-profile advisory board complements the capabilities of the management team. A well-established regulatory, legal and tax
system provides all community a high transparency with periodical reports and regulated governance. Colendi has established
its HQ at Zug, Switzerland with advisory from PwC.

16. Investors

17. Appendix
Market Size and Global Expansion

26. Selected Completed NOAH Transactions
Focus on Leading European Internet companies
Covering over 400 companies across 25 online
verticals, a broad range of over 500 investors as
well as 100+ online-focused corporates
Deep understanding of industry dynamics
Ability to add value beyond banking advice
Facilitates overall process and minimizes
management distraction
NOAH Advisors is globally well connected
and has direct access to virtually all key
players in the industry
Knowledge of and strong relationships with
potential buyers’ key decision makers
Proactively finds and unlocks attractive
investment opportunities for leading investors
Annual NOAH Conference in its 10th year
Over 40 years of combined relevant M&A experience
Routine execution of M&A and financing transactions
with sizes of several billion euros
30 successfully completed NOAH Advisors transactions
underline successful transfer of M&A competencies to
the Internet sector
Entrepreneurial mind-set, focused on growing the
business and establishing a reputation for excellence
Ability to deliver top results in short time frames
Highly success-based compensation structures align
interests of clients and NOAH Advisors, and demonstrate
conviction to deliver top results
Creative deal solutions
Unique Industry Know-How
Unmatched Network and Relationships
Strong Investment Banking Competence
Full Commitment - We Are Entrepreneurs!
EUROPE’S LEADING INTERNET
CORPORATE FINANCE BOUTIQUE®
The NOAH Advisors Core Banking Team
Marco Rodzynek
Managing Director & Founder
Jan Brandes
Managing Director
Nikhil Parmar
Director
Olek Skwarczek
Associate
Lukas Schlund
Analyst
December 2014 October 2014
Sale of 100% of
for $800m to
Exclusive Financial Advisor to
Fotolia and the Selling Shareholders
Sale of 100% of
for €80m to
Exclusive Financial Advisor to
Trovit and its Shareholders
October 2016
Investment in
Exclusive Financial Advisor to KäuferPortal
and its Shareholders
by
84% Ownership
December 2016
August 2017
Financial Advisor to Silver Lake
Financial Advisor to EMK Capital
Investment in
Acquisition of a Majority Stake in
by
by
at a valuation of $200m
November 2019 July 2019
September 2018
Financial Advisor to MagicLab
Financial Advisor to AU10TIX
and its shareholders
Financial Advisor to 10bis
and its shareholders
Acquisition of a 79% stake in $60m Investment in
Sale of 100% in
by
at a valuation of ~$3 billion
at a valuation of $260m by
for €135m to
10Bis