Cuentas provides innovative mobile banking, mobility, and telecommunications solutions to underserved, unbanked, and emerging markets. The Company’s portfolio of fintech solutions meet the highest-volume services demand of the estimated 70 million underbanked and unbanked consumers in the US. ‘Underbanked’ refers to those who have limited or restricted access to banking services, due to poor credit or their international/resident status, and represent more than $1 trillion in total purchasing power.
Cuentas provides innovative mobile banking, mobility, and telecommunications solutions to underserved, unbanked, and emerging markets. The Company’s portfolio of fintech solutions meet the highest-volume services demand of the estimated 70 million underbanked and unbanked consumers in the US. ‘Underbanked’ refers to those who have limited or restricted access to banking services, due to poor credit or their international/resident status, and represent more than $1 trillion in total purchasing power.
Why Banks Must Become Smart Aggregators in the Financial Services Digital Eco...Cognizant
Banks must embrace smart aggregation strategies in order to remain competitive amid increasing digital disruption from fintechs and other non-bank rivals. Smart aggregation allows banks to expand their capabilities by partnering with other organizations and accessing new technologies, while still retaining control over customer relationships. The document outlines three key trends driving this need for banks to aggregate: shifting consumer preferences especially among millennials, the rise of fintechs and other competitors, and new consumer-oriented regulations. It provides guidance for banks on developing smart aggregation strategies, such as partnering with fintechs, establishing an open platform for others to build upon, and emphasizing "slow money" services as transactional products become commoditized.
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?
This presentation explores what future of commerce may look like given the current trends in mobile devices, digital payments, social commerce and security including tokenization and new forms of identity verification
The document discusses initiatives to promote financial inclusion in India through banking the unbanked, especially in rural areas. It outlines some key challenges like large rural population, financial illiteracy, and infrastructure issues. Several initiatives have been taken like "no-frills" bank accounts and business correspondent models, but impact has been limited. It proposes leveraging growing mobile technology and networks to provide basic banking services to more people through a framework involving backend systems and front-end access through mobile phones or business correspondents. An inter-ministerial group was constituted to develop this framework.
- Mobile payments are a top priority for banks due to growing mobile phone adoption and use of mobile phones for payments.
- There is significant competition from non-banks like mobile operators, e-commerce companies, and payment providers investing in mobile payments.
- Banks can use mobile payments to strengthen customer relationships by focusing on three strategic opportunities: mobile banking, mobile commerce, and mobile money transfers, particularly developing an international money transfer service collaboratively.
Payments innovation is Critical for Every Global EnterpriseXTRMAccount
As fintech software and service innovations continue to disrupt the Financial Services market, even non-financial firms need to think about how to take advantage of this trend to improve
their payments processes for the benefit of the company, their customers and their partners.
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
Cuentas provides innovative mobile banking, mobility, and telecommunications solutions to underserved, unbanked, and emerging markets. The Company’s portfolio of fintech solutions meet the highest-volume services demand of the estimated 70 million underbanked and unbanked consumers in the US. ‘Underbanked’ refers to those who have limited or restricted access to banking services, due to poor credit or their international/resident status, and represent more than $1 trillion in total purchasing power.
Why Banks Must Become Smart Aggregators in the Financial Services Digital Eco...Cognizant
Banks must embrace smart aggregation strategies in order to remain competitive amid increasing digital disruption from fintechs and other non-bank rivals. Smart aggregation allows banks to expand their capabilities by partnering with other organizations and accessing new technologies, while still retaining control over customer relationships. The document outlines three key trends driving this need for banks to aggregate: shifting consumer preferences especially among millennials, the rise of fintechs and other competitors, and new consumer-oriented regulations. It provides guidance for banks on developing smart aggregation strategies, such as partnering with fintechs, establishing an open platform for others to build upon, and emphasizing "slow money" services as transactional products become commoditized.
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?
This presentation explores what future of commerce may look like given the current trends in mobile devices, digital payments, social commerce and security including tokenization and new forms of identity verification
The document discusses initiatives to promote financial inclusion in India through banking the unbanked, especially in rural areas. It outlines some key challenges like large rural population, financial illiteracy, and infrastructure issues. Several initiatives have been taken like "no-frills" bank accounts and business correspondent models, but impact has been limited. It proposes leveraging growing mobile technology and networks to provide basic banking services to more people through a framework involving backend systems and front-end access through mobile phones or business correspondents. An inter-ministerial group was constituted to develop this framework.
- Mobile payments are a top priority for banks due to growing mobile phone adoption and use of mobile phones for payments.
- There is significant competition from non-banks like mobile operators, e-commerce companies, and payment providers investing in mobile payments.
- Banks can use mobile payments to strengthen customer relationships by focusing on three strategic opportunities: mobile banking, mobile commerce, and mobile money transfers, particularly developing an international money transfer service collaboratively.
Payments innovation is Critical for Every Global EnterpriseXTRMAccount
As fintech software and service innovations continue to disrupt the Financial Services market, even non-financial firms need to think about how to take advantage of this trend to improve
their payments processes for the benefit of the company, their customers and their partners.
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
Future of South East Asia Digital Financial ServiceTrnHoQuang1
The document analyzes the future potential of digital financial services in Southeast Asia, which currently has low access to traditional financial services with over 70% of the population underbanked or unbanked. Digital payments and remittances have reached an inflection point and are expected to significantly grow by 2025, with digital lending emerging as the largest revenue opportunity as new business models serve more customers. Realizing the full potential of $60 billion in revenue by 2025 requires supportive regulations and infrastructure to further drive innovation and financial inclusion.
Payment processing technology advances to allow businesses to process payments in a convenient, fast and reliable manner for all parties involved.
These payment trends should be in the radar of all business to stay ahead of payment processing innovation and offer the best solutions.
https://www.chetu.com/payments/billing.php
This document discusses the transformation of the global payments landscape from 2020 onwards. It predicts that payments will be fundamentally reshaped by technology, changing customer expectations, globalization, and regulation. Payments providers will need to view payments strategically and offer value-added solutions linked to broader commercial activities to remain competitive against new entrants like technology companies. The payments market is already transforming through the growth of alternative payments methods, particularly in developing regions. By 2020, the world of payments is expected to be virtually unrecognizable from today.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
Esteve Camps has over 20 years of experience in technology fields including payments, fraud, banking, e-commerce, and digital transformation. He has leadership experience and is committed to meeting company needs by supporting its mission, vision, and values. The document defines key terms related to e-commerce payments such as payment service provider, acquirer, card-not-present transactions, and interchange fees.
FinTech Applications & Tools for Financial HealthJohn Owens
During my presentation in March in Kyiv, Ukraine, I shared global examples of FinTech tools and applications that can not only support greater financial inclusion but, more importantly, can address the overall financial health of customers and improve consumer protection.
Remittance business analysis from US to ChinaKunal Maniyar
Finablr is creating a market entry strategy for its consumer remittance business from the US to China. The global remittance market is growing at 10.4% annually and the US-China corridor represents a $20 billion opportunity. Finablr will face competition from established players like Western Union and newer digital entrants. The strategy recommendations include adopting a digital business model, highlighting transparent rates and ease-of-use in marketing, generating revenue from fees and value-added services, innovating through analytics, and forming ecosystem partnerships with Chinese technology firms. Success will depend on investment levels, technology quality, brand building, and gaining customer trust.
This presentation illustrates why payments are more important than ever and why having a payments strategy is essential. It then outlines the steps to developing a payments strategy
Disruptions and Digital Banking Trends by Luigi Wewege, Jeo Lee and Michael C...Luigi Wewege
Journal of Applied Finance & Banking - Scientific Press International
Technology in financial services, or ‘fintech’, entrants and technology-media-telecommunication companies have rapidly evolved into the traditional banking industry, offering customer-centric, faster-easier-convenient-free, financial services. Digital-only-neo-banks focus on payment, money transfer, lending for small-medium-businesses, and microfinancing, facilitating technological innovation such as digital wallet and messaging peer-to-peer transactions. Fintech banks generally lack scale and trust, unregulated in some cases with credit or liquidity risk exposure, from the customers perspective. Fintechs are increasingly perceived as a partner for a source of value creation through technological advances and innovations to large, traditional, and incumbent banks moving to accelerated digital transformation. All innovative technologies which have laid the groundwork for major disruption in the current digital banking revolution, set forth unimagined trajectory of collaboration and consolidation as fintech industry matures. This paper updates the digital banking transformation in fintechs and incumbent banking institutions to show that access to future fintech trends will grow significantly in coming years. The combined findings suggest that digitalised-mobile-banking transitions emphasize the capabilities of banking infrastructure for data sharing, connectivity, stability and cybersecurity and standardisation of internal and external APIs as progress continues within the regulatory framework of data protection as part of the privacy act and open-banking directives.
Sample Report: North America Online Payment Methods 2019yStats.com
Free Report Samples for our publication " North America Online Payment Methods 2019".
Find the full report available for purchase at: https://bit.ly/3LTgIw5
The New Banking Channel Network - Improving the Bottom Line through Channel O...Kenneth Kwan
The document discusses trends in banking customer segments from 2009-2015 and the need for banks to optimize their channel networks in response. Key points:
- Younger, older, and lower-income customer segments will grow and rely more on digital/remote channels, reducing branch traffic and increasing unit costs.
- Previous multichannel strategies were unsuccessful due to poor channel alternatives, lack of integration, and customer reluctance.
- Today customers are ready to use alternative channels, especially for simpler transactions, if capabilities are sufficient.
- Banks must develop an integrated channel architecture tailored to segment needs and product complexity to improve profitability while meeting customer expectations.
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
Digital financial services are becoming increasingly important, moving transactions from cash-based to digital. This is bringing convergence between mobile networks and banking services. Regulations need to collaborate across sectors to address this change. Light-touch regulation can encourage innovation while still protecting consumers. Competition regulations must ensure fair access to networks and interoperability to avoid dominance by large players.
M-PESA resolves economic inefficiencies by facilitating money circulation and consumption, creating new business and jobs. It provides a safe way to store and transfer money, increasing savings and allowing more efficient risk sharing. This improves investment in human and physical capital. M-PESA faces the challenges of gaining user trust and overcoming network effects. It exploits concepts of price and income elasticity through its pricing structure. Safaricom can achieve economies of scale and scope by providing integrated voice, data, and M-PESA services using shared infrastructure. M-PESA relies on trust in Safaricom to overcome information asymmetries without government guarantees on deposits.
Expanding Merchants In Rural Areas Nixon MahilumMABSIV
This document discusses expanding the use of mobile phone banking through e-money resellers in rural areas of the Philippines. It notes that branchless banking using technologies like mobile phones can provide cheaper access to financial services. Mobile phone banking allows banking functions through mobile phones and e-money, which in the Philippines is primarily provided by GCASH. There are over 3,000 rural bank partners and 4,000 Globe partners for GCASH. It outlines the potential of over 700,000 sari-sari stores as e-money resellers to expand financial access given mobile phone penetration and literacy rates.
The Canadian Prepaid Providers Organization (CPPO) commissioned FinTech Growth Syndicate (FGS) to create a "heatmap" of players in the Canadian prepaid space and their innovative solutions. FGS mapped over 60 prepaid companies and found that program managers and service providers make up the largest segments. Nearly a third of prepaid companies have US headquarters, while most Canadian headquarters are located in Ontario. The report also explores six key areas of prepaid innovation in Canada and trends in other global markets like payroll/SME banking, digital ID, benefits, and acquisitions.
Future of South East Asia Digital Financial ServiceTrnHoQuang1
The document analyzes the future potential of digital financial services in Southeast Asia, which currently has low access to traditional financial services with over 70% of the population underbanked or unbanked. Digital payments and remittances have reached an inflection point and are expected to significantly grow by 2025, with digital lending emerging as the largest revenue opportunity as new business models serve more customers. Realizing the full potential of $60 billion in revenue by 2025 requires supportive regulations and infrastructure to further drive innovation and financial inclusion.
Payment processing technology advances to allow businesses to process payments in a convenient, fast and reliable manner for all parties involved.
These payment trends should be in the radar of all business to stay ahead of payment processing innovation and offer the best solutions.
https://www.chetu.com/payments/billing.php
This document discusses the transformation of the global payments landscape from 2020 onwards. It predicts that payments will be fundamentally reshaped by technology, changing customer expectations, globalization, and regulation. Payments providers will need to view payments strategically and offer value-added solutions linked to broader commercial activities to remain competitive against new entrants like technology companies. The payments market is already transforming through the growth of alternative payments methods, particularly in developing regions. By 2020, the world of payments is expected to be virtually unrecognizable from today.
Global Landscape Study on P2G Payments: Summary of in-country consumer resear...CGAP
For this study on P2G (Person-to-government) payments, Rwanda was selected as a focus country given the potential reach and varied nature of two key initiatives: the IREMBO e-government platform and the Tap&Go smartcard for public bus transport. Digital payments for school fees and utility payments were also studied. Tap&Go is privately managed but offers P2G learnings for other countries where public transport is government-run.
The research sought to answer questions across three key areas:
1. How well did digital P2G payment solutions reach and address the needs of the financially excluded?
2. What were effective and sustainable business models between actors, and how were they set up?
3. How do current and planned solutions support and work with the evolving digital payments ecosystem in Rwanda?
Esteve Camps has over 20 years of experience in technology fields including payments, fraud, banking, e-commerce, and digital transformation. He has leadership experience and is committed to meeting company needs by supporting its mission, vision, and values. The document defines key terms related to e-commerce payments such as payment service provider, acquirer, card-not-present transactions, and interchange fees.
FinTech Applications & Tools for Financial HealthJohn Owens
During my presentation in March in Kyiv, Ukraine, I shared global examples of FinTech tools and applications that can not only support greater financial inclusion but, more importantly, can address the overall financial health of customers and improve consumer protection.
Remittance business analysis from US to ChinaKunal Maniyar
Finablr is creating a market entry strategy for its consumer remittance business from the US to China. The global remittance market is growing at 10.4% annually and the US-China corridor represents a $20 billion opportunity. Finablr will face competition from established players like Western Union and newer digital entrants. The strategy recommendations include adopting a digital business model, highlighting transparent rates and ease-of-use in marketing, generating revenue from fees and value-added services, innovating through analytics, and forming ecosystem partnerships with Chinese technology firms. Success will depend on investment levels, technology quality, brand building, and gaining customer trust.
This presentation illustrates why payments are more important than ever and why having a payments strategy is essential. It then outlines the steps to developing a payments strategy
Disruptions and Digital Banking Trends by Luigi Wewege, Jeo Lee and Michael C...Luigi Wewege
Journal of Applied Finance & Banking - Scientific Press International
Technology in financial services, or ‘fintech’, entrants and technology-media-telecommunication companies have rapidly evolved into the traditional banking industry, offering customer-centric, faster-easier-convenient-free, financial services. Digital-only-neo-banks focus on payment, money transfer, lending for small-medium-businesses, and microfinancing, facilitating technological innovation such as digital wallet and messaging peer-to-peer transactions. Fintech banks generally lack scale and trust, unregulated in some cases with credit or liquidity risk exposure, from the customers perspective. Fintechs are increasingly perceived as a partner for a source of value creation through technological advances and innovations to large, traditional, and incumbent banks moving to accelerated digital transformation. All innovative technologies which have laid the groundwork for major disruption in the current digital banking revolution, set forth unimagined trajectory of collaboration and consolidation as fintech industry matures. This paper updates the digital banking transformation in fintechs and incumbent banking institutions to show that access to future fintech trends will grow significantly in coming years. The combined findings suggest that digitalised-mobile-banking transitions emphasize the capabilities of banking infrastructure for data sharing, connectivity, stability and cybersecurity and standardisation of internal and external APIs as progress continues within the regulatory framework of data protection as part of the privacy act and open-banking directives.
Sample Report: North America Online Payment Methods 2019yStats.com
Free Report Samples for our publication " North America Online Payment Methods 2019".
Find the full report available for purchase at: https://bit.ly/3LTgIw5
The New Banking Channel Network - Improving the Bottom Line through Channel O...Kenneth Kwan
The document discusses trends in banking customer segments from 2009-2015 and the need for banks to optimize their channel networks in response. Key points:
- Younger, older, and lower-income customer segments will grow and rely more on digital/remote channels, reducing branch traffic and increasing unit costs.
- Previous multichannel strategies were unsuccessful due to poor channel alternatives, lack of integration, and customer reluctance.
- Today customers are ready to use alternative channels, especially for simpler transactions, if capabilities are sufficient.
- Banks must develop an integrated channel architecture tailored to segment needs and product complexity to improve profitability while meeting customer expectations.
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
Saldazo, a Visa debit card product co-branded with Banamex bank, has made Mexico’s largest corner store retail chain – OXXO – the country’s number one transactional account supplier. This presentation provides a Mexican market overview and shares key success factors, challenges and insights from this project.
Digital financial services are becoming increasingly important, moving transactions from cash-based to digital. This is bringing convergence between mobile networks and banking services. Regulations need to collaborate across sectors to address this change. Light-touch regulation can encourage innovation while still protecting consumers. Competition regulations must ensure fair access to networks and interoperability to avoid dominance by large players.
M-PESA resolves economic inefficiencies by facilitating money circulation and consumption, creating new business and jobs. It provides a safe way to store and transfer money, increasing savings and allowing more efficient risk sharing. This improves investment in human and physical capital. M-PESA faces the challenges of gaining user trust and overcoming network effects. It exploits concepts of price and income elasticity through its pricing structure. Safaricom can achieve economies of scale and scope by providing integrated voice, data, and M-PESA services using shared infrastructure. M-PESA relies on trust in Safaricom to overcome information asymmetries without government guarantees on deposits.
Expanding Merchants In Rural Areas Nixon MahilumMABSIV
This document discusses expanding the use of mobile phone banking through e-money resellers in rural areas of the Philippines. It notes that branchless banking using technologies like mobile phones can provide cheaper access to financial services. Mobile phone banking allows banking functions through mobile phones and e-money, which in the Philippines is primarily provided by GCASH. There are over 3,000 rural bank partners and 4,000 Globe partners for GCASH. It outlines the potential of over 700,000 sari-sari stores as e-money resellers to expand financial access given mobile phone penetration and literacy rates.
The Canadian Prepaid Providers Organization (CPPO) commissioned FinTech Growth Syndicate (FGS) to create a "heatmap" of players in the Canadian prepaid space and their innovative solutions. FGS mapped over 60 prepaid companies and found that program managers and service providers make up the largest segments. Nearly a third of prepaid companies have US headquarters, while most Canadian headquarters are located in Ontario. The report also explores six key areas of prepaid innovation in Canada and trends in other global markets like payroll/SME banking, digital ID, benefits, and acquisitions.
The Canadian Prepaid Providers Organization (CPPO) commissioned FinTech Growth Syndicate (FGS) to create a "heatmap" of players in the Canadian prepaid space and their innovative solutions. FGS mapped over 60 prepaid companies and found that program managers and service providers make up the largest segments. Nearly a third of prepaid companies have US headquarters, while most Canadian headquarters are located in Ontario. The report also explores six key areas of prepaid innovation in Canada and trends in other global markets like payroll/SME banking, digital ID, benefits, and acquisitions.
Global payments community consulting firm and the world’s leading advisor on business strategy. We partner with clients from the private, public, and not-for- profit sectors in all regions to identify their highest-value opportunities, address their most critical challenges, and transform their enterprises. Our customized approach combines deep insight into the dynamics of companies and markets with close collaboration at all levels of the client organization. This ensures that our clients achieve sustainable competitive advantage, build more capable organizations, and secure lasting results.
Newt is a cloud-based Software as a Service (SaaS) platform enabling enterprises to offer digital financial products and services. Digital financial technologies and infrastructure are reshaping payments, commerce, and access to financial services, creating a growing market opportunity for digital financial service disruptors like Newt.
Next Group Holdings provides banking and telecom services to underserved Latinos in the US. It offers cash-to-plastic loading of funds onto prepaid cards, direct deposit, bill payments, international remittance, and prepaid mobile plans. It partners with major retailers and has strategic partnerships that provide access to over 210,000 retail locations. It seeks $3 million in funding to launch its mobile app and POS platform, repay debt, and provide working capital for growth.
Next Group Holdings provides banking and telecom services to underserved Latinos in the US. It offers cash-to-plastic loading of funds onto prepaid cards, direct deposit, bill payments, international remittances, and prepaid mobile plans. It partners with major retailers and has strategic partnerships that provide access to over 210,000 retail locations. It seeks $3 million in funding to launch its first mile banking solution, repay debt, and cover launch costs. The investment offers exposure to the large unbanked Latino market in the US through an early-stage company.
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.
Solving Financial Constraints with Innovative Funding SolutionGilbert Tam 譚耀宗
This document discusses financial challenges facing small and medium enterprises (SMEs) in obtaining funding from traditional sources like banks. It introduces fintech platforms like Velotrade that use innovative methods to connect SMEs needing funding with investors online, providing more efficient, flexible funding options. Major hurdles for trade finance include fraud prevention and lack of standardized products, but emerging technologies like blockchain may help address these issues if widely adopted. Collaboration between banks and fintech is also emphasized as a way forward.
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Wish Finance has developed a business model to provide loans to small and medium enterprises (SMEs) using alternative data sources. It sources funds from hedge funds and financial institutions to provide loans to SMEs based on an analysis of real-time point-of-sale transaction data, cash flow, past loan performance, and vendor payment history. Repayments are made seamlessly through deductions of 2-5% of customer payments made via point-of-sale terminals. The loans also come with insurance protection against borrower bankruptcy. Wish Finance partners with point-of-sale data providers and insurers in each market to efficiently scale its lending operations across countries.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
Market Gravity's top trends for Financial Services in 2015. We've worked on a range of FS propositions in the last few months and during this time we've uncovered some interesting trends and precedents featuring some of the world's biggest companies, as well as a range of disruptive starts ups.
We'd like to share some of our favorites to serve as some 'Finspiration' for 2015.
- Neobanks
- Digital Investment Platforms
- Enhanced Customer Experiences
- Security & Authentication Alternatives
- Youthful Banking
- Alternative Scoring Mechanisms
- Improving the Back End
- Banking with Wearables
For more information, please get in touch.
Robo advisory, cryptocurrency, and chatbots are transforming the financial services industry through automation, artificial intelligence, and digital innovation. Incumbent financial firms recognize the need to partner with fintech companies and adopt these new technologies to remain competitive. Robo advisors provide automated, low-cost investment management services with minimal human interaction. Cryptocurrency has emerged as a new digital asset class. Chatbots are being used to deliver personalized customer service and support through conversational interfaces. These trends will continue to disrupt traditional financial models and require adaptation from existing players.
1. The document provides an overview of payment solutions from EY FinTech including social commerce payments, digital payments, and cross-border remittance.
2. Key solutions proposed include a smartphone keyboard to enable payments within social media apps, a digital wallet platform for banks and financial institutions, and a business-to-business cross-border payment solution providing low fees and fast transfers.
3. The solutions help clients by increasing customer engagement and sales, facilitating seamless payments, expanding payment options and creating payment ecosystems.
With flickery markets, edgy economy, organizational change and the evolving regulatory landscape, the finance divisions are caught up in a fast increase in the amount of public support and changes. All this while, the need for cost cutting and delivering transparent reports stays stable. Rolta’s Financial Analytics solution CFO Impact helps you bring cost effective and sustainable transformations to financial processes and systems with the help of big data analytic technologies.
Embrace emerging trends, prioritize operational excellence, and choose the right partners like top credit card processors to empower your financial service offerings and thrive in the exciting world of credit cards. Visit us at: https://webpays.com/credit-card-processing.html
The document discusses potential market expansion and growth opportunities for ICICI Bank in emerging markets like India. It notes that ICICI Bank has opportunities in rural areas of tier 1, 2, and 3 cities that still rely on traditional banking. ICICI Bank is well positioned to capitalize on this due to its innovative services like electronic branches, tablet banking, and customer service solutions. The document also outlines ICICI Bank's past strategies around segmentation, targeting, positioning, product differentiation, and distribution that have made it a leader in retail banking in India.
FinTech outlook for 2017 report discussing trends, opportunities and challengesMEDICI admin
The report is intended for readers who want to better understand the dramatic changes that have begun to take place—and that are accelerating—in the global FinTech landscape. The payments industry, which is one of the focus areas of this report, has never been more exciting.
The report starts with the current state of FinTech and then provides an analysis of major emerging technologies and market forces that are shaping the FinTech market for 2017. It discusses the major opportunities and challenges faced by incumbents as well as FinTech startups. The report also provides a brief on the geographic split of payments volume, revenue and how they are expected to shift gradually by 2024.
Similar to Cuentas Investor Presentation May 2020 (20)
Better Choice Company (OTCQB: BTTR) is a rapidly growing animal health and wellness company committed to leading the industry shift toward pet products and services that help dogs and cats live healthier, happier and longer lives. Better Choice takes an alternative, nutrition-based approach to animal health relative to conventional dog and cat food offerings, and positions its portfolio of brands to benefit from the mainstream trends of growing pet humanization and consumer focus on health and wellness. The Company has a demonstrated, multi-decade track record of success selling trusted animal health and wellness products, and leverage its established digital footprint to provide pet parents with the knowledge to make informed decisions about their pet’s health. Better Choice sells the majority of its dog food, cat food and treats under the Halo and TruDog brands, which are focused, respectively, on providing sustainably sourced kibble and canned food derived from real whole meat, and minimally processed raw-diet dog food and treats.
Annovis Bio (NYSE American: ANVS) is a clinical-stage, drug platform company addressing neurodegeneration, such as Alzheimer’s disease (AD), Parkinson’s disease (PD) and Alzheimer’s in Down Syndrome (AD-DS). Annovis is believed to be the only company developing a drug for AD, PD and AD-DS that inhibits more than one neurotoxic protein and improves the information highway of the nerve cell, known as axonal transport. When this information flow is impaired, the nerve cell gets sick and dies. The company expects its treatment to improve memory loss and dementia associated with AD and AD-DS, as well as body and brain function in PD. Annovis has an ongoing Phase 2a study in AD patients and plans to commence a second Phase 2a study in PD patients. Learn more at ANVSinfo.com.
Tiziana Life Sciences (NASDAQ: TLSA) Investor Presentation - July 20th 2020RedChip Companies, Inc.
Tiziana Life Sciences (NASDAQ: TLSA) is a dual-listed clinical stage company developing targeted therapeutics to transform treatment of liver diseases, inflammatory diseases, and cancer. Our clinical pipeline includes drug assets for Crohn's, and hepatocellular carcinoma. Tiziana’s two lead drug candidates, Foralumab and Milciclib, uniquely target the root cause of diseases with large unmet needs in multibillion-dollar markets. Tiziana is accelerating development of anti-IL6 receptor monoclonal antibody (mAb) for treatment of COVID-19 lung inflammation. Tiziana is a market leader in the invention of proprietary technology for oral, nasal and inhaled formulation to transform immunotherapies with Monoclonal Antibodies currently administered intravenously. Also, Tiziana has a robust and growing patent portfolio.
Tiziana Life Sciences (NASDAQ: TLSA) is a dual-listed clinical stage company developing targeted therapeutics to transform treatment of liver diseases, inflammatory diseases, and cancer. Our clinical pipeline includes drug assets for Crohn's, and hepatocellular carcinoma. Tiziana’s two lead drug candidates, Foralumab and Milciclib, uniquely target the root cause of diseases with large unmet needs in multibillion-dollar markets. Tiziana is accelerating development of anti-IL6 receptor monoclonal antibody (mAb) for treatment of COVID-19 lung inflammation. Tiziana is a market leader in the invention of proprietary technology for oral, nasal and inhaled formulation to transform immunotherapies with Monoclonal Antibodies currently administered intravenously. Also, Tiziana has a robust and growing patent portfolio.
Recruiter.com Group Inc. (OTCQB: RCRT) is disrupting the recruiting and staffing industry by aggregating the small and independent recruiters under a common platform, giving them access to large enterprise customers and advanced technologies.
Creating alcohol-free environments to increase productivity and save lives. That is the mission of Boulder, CO-based SOBRSafe, Inc. The company is integrating a preventative detection technology platform through partnership, licensing and acquisitions, and is in protype phase with its launch product: the patented, proprietary SOBRSafe® device - a non-invasive, touch-based identity verification and alcohol detection solution.
The document provides an investor overview of SPI Energy Co., Ltd., a solar energy company that operates solar project development, electricity production, residential solar solutions, and solar industry investments businesses around the world. It outlines SPI's business segments and assets, financial information, management team, and presents SPI as an undervalued investment opportunity in the growing solar industry given its large portfolio of solar assets.
Can-Fite is developing small molecule drugs that target the A3 adenosine receptor, including Piclidenoson for rheumatoid arthritis and psoriasis, and Namodenoson for liver cancer and NASH. Piclidenoson has shown efficacy in Phase II trials for rheumatoid arthritis and is currently in Phase III trials for rheumatoid arthritis and psoriasis. Namodenoson has shown efficacy in Phase II trials for liver cancer and is preparing for Phase III trials. Can-Fite is also exploring using Piclidenoson for COVID-19 given its anti-inflammatory and potential anti-viral properties.
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After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
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After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
2. p2.
• This document contains forward-looking statements as defined in section 27a of the United States Securities Act of
1933, as amended. Forward-looking statements include, but are not limited to, statements regarding the Company’s
management’s expectations, hopes, beliefs, intentions or strategies regarding the future and other statements that are
other than statements of historical fact. In addition, any statements that refer to projections, forecasts or other
characterizations of future events or circumstances, including any underlying assumptions, are forward-looking
statements. The words "anticipate“, "believe“, "continue“, "could“, "estimate“, "expect“, "intend“, "may“, "might“,
"plan“, "possible“, "potential“, "predict“, "project“, "should“, "would" and similar expressions may identify forward-
looking statements, but the absence of these words does not mean that a statement is not forward-looking. These
statements are based upon various assumptions, many of which are based, in turn, upon further assumptions,
including without limitation, management’s examination of historical operating trends, data contained in the
Company’s records and other data available from third parties. Although management believes that these assumptions
were reasonable when made, because these assumptions are inherently subject to significant uncertainties and
contingencies which are difficult or impossible to predict and are beyond the Company’s control, the Company cannot
assure you that it will achieve or accomplish these expectations, beliefs or projections. Actual results may differ
materially from those expressed or implied by such forward-looking statements. The Company undertakes no
obligation to publicly update or revise any forward-looking statement contained in this presentation, whether as a
result of new information, future events or otherwise, except as required by law.
Safe Harbor Statement
3. p3.
Cuentas Uses Technology to Bridge the Gap Between Traditional Financial
Services and the Underbanked U.S. Latino Population
• Cuentas is a comprehensive online banking solutions provider to the
historically underbanked U.S. Latino population
• Hybrid virtual bank with reach and breadth of over 240,000 locations
• Cuentas FinTech launched in March 2020
• Experienced strategic partners facilitate rapid scalability, wide distribution and
minimized operating and technology risk
• Multiple recurring revenue streams offers monetization opportunities
Company
Overview
Cuentas Inc. (CUEN)
Company Snapshot
Share Price1: $3.01
Market Cap1: $20.6 M
1Market capitalization as of 5/13/2020 close price, not including conversion of B shares
Sector: FinTech
Headquarters: Miami, Florida
4. p4.
Investment
Highlights
Market Opportunity
Significant market opportunity
of underbanked U.S. Latino
population
Strategic Partners
Strategic partners allow for
scalability, wide distribution
reach of 240,000 points of
sale
Recurring Revenue
Multiple recurring revenue
streams offers significant
opportunities
Marketing
Strategic marketing plan in
place to support card launch
Target Demographic
Cuentas customers’ buying
behavior indicates strong
purchasing power in an
underserved demographic
Seasoned management team
with extensive experience in
international telecom industry
Management
5. p5.
The Problem:
The Unbankable
Latino
Over 25% of the U.S. Adult Population (63M Adults) Are Underbanked or
Unbanked1, generally Defined as:
12017 FDIC Survey, This figure excludes immigrants, illegal aliens, and
undocumented individuals
• Adults who do not use banking institutions in any
capacity
• Generally pay for goods/services in cash or money
order
• Often use check-cashing and payday lending
• Typically recent immigrants or children of immigrants
who experienced banking crises in their country of
origin
• Often unable to maintain minimum balances, pay
account fees, or organize transportation to/from
banks during banking hours
• The U.S. Latino population exceeds 57.5 million,
while Hispanics will continue to account for over 50%
of future U.S. population growth
44.4 Million
US IMMIGRANTS
28.5%
ARE UNDERBANKED
$1.7 Trillion
PURCHASING POWER
More than 20 Million Latinos have unmet needs for:
- Bank accounts
- Online banking
- Direct check deposit
- Mobile cash remittance
Unbanked Rates by Household,
Race and Ethnicity percent per Year1
Reasons for Not Having a Bank Account,
Unbanked Households, 20171 (%)
6. p6.
The Solution:
The Cuentas
FinTech Card
A Comprehensive Banking Solution
The Cuentas Fintech Card is an online bank account
integrated with the Cuentas branded general purpose
reloadable card (GPR), offering a comprehensive online
banking solution to all, including those without a U.S.
government issued ID, offering services such as:
In-App Platform for Discounted Purchases at Point of Sale
- Transit Authorities
- Restaurants
- Retail Stores
- Supermarkets
- Bodega & Convenience Stores
- Lottery & Mobile Gaming
- Online Gaming
Cuentas Starter Card
Retail store sales
No registration required
One time use
Converts to GPR card
7. p7.
The Cuentas
FinTech Card
Examples of Current and Future Cuentas FinTech Services
User / $925
Debit Card
Mobile App
Voice SMS
Top-Up US: $40
International Top-Up: $20
Transportation: $35
Money transfer: $600
ILD: $20
Health: $30
Bill pay: $60
Gaming: $20
App to App Transfers: $100
8. p8.
Revenue Sources
One Time Charges:
• Cuentas FinTech Card Sales
• Activation Fees
Cuentas Generates Recurring Revenue from Continued Usage of the
FinTech Card
Monthly Charges:
• Maintenance Fees
Usage Charges:
• MTA/Public Transportation
• ATM Withdrawals
• Cash Remittance Fees
• Reload Fees
• Digital Purchase Discount
Platform
• Telecom Minutes Reload
• Payout on Incomm Gift Card
Sales
9. p9.
Cuentas FinTech
Card: Competitive
Advantages
What sets Cuentas apart:
Underserved target
demographic
Robust distribution network
Strong and proven
technology stack
Ability to use “Matricula
Consular” ID for Mexicans
Evolving platform
Oversaturated selling
Antiquated distribution
tactics
Third party technology
No consideration for Latino
population
Stagnated growth
Competitors
10. p10.
Contains real time balance and savings for:
• Digital Content Cash
• Cuentas Virtual Marketplace purchases
• Telecom minutes
• Loyalty reward points for international calling
minutes
Mobile Wallet
The in-app Mobile Wallet offer FinTech Card functionality for online
and mobile purchases
Cuentas Mobile
App Functionality
Cuentas Virtual Marketplace:
The Virtual Marketplace offers discounted gift cards to
Cuentas cardholders, which can be stored in the Cuentas
Mobile Wallet and be used online, sent electronically to
friend or family, and even redeemed for a physical gift card
11. p11.
Cuentas
Ecosystem:
Front End
User
Front End
And many more…
Registration
Reload Locations
Wallet
discountsPoints &
Loyalty
Store Pharmacy Gas Station
Brick & Mortar Purchasing
International
Long Distance
Calls
Instant Approval
App Activated
Cuentas Rewards
Cuentas App & Wallet
Download App on
Smartphone
Balance &
Transactions
Send
Money
Cuentas Wallet Today
Future Cuentas Wallet Features
And many more …
Top-Up USA Top-Up
International
International
Long Distance
Card to Card
Transfers
Mass
Transit
Gift Cards Direct
Deposit
Bill Pay Insurance Micro
Lending
Layaway Money
Transfer
12. p12.
Cuentas
Ecosystem:
Back End
Interconnections
Consumer
Front-End
Back-End
VanillaReload
Network 210,000
Reload Locations
Cuentas
Mobile App
Internet
Bank
Account
Creation
Debit
Card
Creation
Fulfillment
Points /
Loyalty
International
Money
Transfer
Top-Up
International
Mass Transit
Products
Cuentas Rewards
International Long Dist
Global
Bill Pay
Cuentas Mobile
MVNO
Auris Telecom
Cuentas Platform
Consumer
IDology Identity
Verification
API
Gateway
SDI Next
Portal
31,600
Bodegas
Gift Cards Digital
Products
Top-Up
USA
USA
Bill Pay
InsuranceMicro
Lending
LEGEND
Current connections
Future ConnectionsSmartphone
Mail
Checks
Layaway
Card to
Card
Transfers
Direct
Deposit
13. p13.
Strategic
Partnerships
Prepaid Card Processing Services Agreement with InComm
• InComm, a world-class payments technology provider to industry-leading companies, has agreed to
act as a processor for the Cuentas prepaid debit card
• Incomm provides gift card malls to enhanced payment platforms, connecting companies across a
wide range of industries including retail, healthcare, tolling & transit, incentives and financial services
• InComm has over 25 years of experience, over 500,000 points of distribution, and a presence in more
than 30 countries
• InComm enabled 210,000 US VanillaReload locations as the backbone of the Cuentas network,
including 3 API network connections that augment the Cuentas Proprietary Platform as a cohesive
FinTech core solution.
• InComm is creating an exclusive API to interconnect Cuentas’ 31,600 bodegas to the VanillaReload
network and allowing Cuentas to operate under InComm’s MTL licenses.
Source: InComm Inc. corporate website: https://www.incomm.com/
14. p14.
Sutton Bank, founded in 1878, is a customer-centric organization invested in Payments as a core
banking product, with strong partnerships in the Payments space. One of the earliest banks in
Prepaid, Sutton offers flexible, branded and customizable card programs with strong functionality,
and responsiveness.
Provides Cuentas back-end support
21st century bank supporting next generation mobile banking, online banking and mobile payments:
Strategic
Partnerships
Partnership with Sutton Bank provides support of large financial
institutions playing a large role in development of next generation banks
• Privately held independent community bank
• FDIC member with strong innovation arm
• Featured Products/Services:
• Mobile banking/check deposit capabilities
• Payments, ACH transfers,
• Checking accounts with online/mobile access
• VISA debit cards with verification/activation services
• Gift cards with customer support
• Digital wallet integration
• Loyalty program management
Source: Sutton Bank corporate website: https://www.suttonbank.com/
15. p15.
Strategic
Partnerships
The Company’s ability to meet NASDAQ uplisting shareholder equity
requirement strengthened through recent acquisition of CIMA digital platform.
All FinTech features and functionality in exclusive partnership with Cuentas:
− Proprietary digital platform enables backend of FinTech card to function seamlessly
− Supporting next generation mobile banking, online banking and mobile payments
− Cloud based software provides rapid, accurate authentication for all transactions
Aligned Incentives: CIMA Group acquired ~25% of Cuentas common stock ($9M) in exchange for
exclusive perpetual license of its technology assets to Cuentas for the FinTech sector.
− The issuance of the shares of common stock to CIMA also strengthened the Company’s ability
to meet shareholder equity requirement for NASDAQ uplisting
16. p16.
Distribution
Network
Strategic Partners Enable Robust Distribution Network
• VanillaDirect’s network of more than 50,000 retailers allows Cuentas customers to reload their
Cuentas prepaid MasterCard at major retailers such as:
• VanillaDirect is partnered with only select financial partners composed of Tier 1 financial institutions1
and also includes Cuentas:
(1) Gartner defines Tier 1 financial institutions as: top financial institutions ranked on the on the relative size to the
overall banking market in terms of total banking assets as provided by the balance sheet of the bank.
17. p17.
Distribution
Network
Strategic Partners Enable Robust Distribution Network
Nationwide network of retail locations facilitates purchasing and reloading of
the Cuentas FinTech Card
• Cuentas has the support (through its majority owned JV,
SDI Next Distribution) of an aggregate of over 30,000
convenience stores, bodegas, store fronts, among others,
to provide a brick & mortar retail presence
• Cuentas has rolled out a promotional campaign that
identifies each store, each advertising campaign, each
supplier, etc. in order to identify where the lead that
originated the client subscription came from.
• Cuentas has taken steps to increase its reach by
partnering with distributors who serve wireless service
store locations.
18. p18.
Distribution
Network
Digital Marketing Provides Frictionless Registration for
Cuentas FinTech Card
• Google adwords
• 3 month initial campaign.
• Email & SMS campaign
• Mexicans and Hispanics in the US between 21 and 55 yrs old.
• 500k emails, 1 Million SMS approved contacts.
• Can use Matricula Consular with ITIN to register for Cuentas
Mobile Banking Products (and receives a promotional $15 Int’l
Calling Reward).
• Social Media
• Continue organic campaigns & testing on major networks.
• Instagram, Facebook, Twitter, Pinterest, YouTube, LinkedIn.
19. p19.
Selected Financial
Information
Balance Sheet
Income Statement
U.S. Dollars (in thousands) Year Ended Three Months Ended
31-Dec-19 31-Mar-20
(Audited ) (Unaudited )
Revenue $967 134
Cost of Goods Sold (808) 177
Total Operating Expenses (2,305) (2,035)
Total Other Income, Net 860 422
Net Loss ($1,320) (1,659)
U.S. Dollars (in thousands) As of March 31, 2020
(Unaudited)
Cash $21
Total Assets 8,668
Total Liabilities 2,928
Securities Outstanding As of May 14, 2020
Common Stock 6,141,285
Options 583,044
Warrants 116,001
Total Shares on a Fully-Diluted Basis 22,101,748
Capitalization Table
20. p20.
Leadership Team
Arik Maimon
CEO & Co-Founder
• Seasoned executive with previous experience
founding and successfully running companies
in the telecommunications and FinTech
industry in the US and Mexico
• Mr. Maimon founded and ran a privately-held
wholesaler of long-distance
telecommunications services which, under
Mr. Maimon’s management, grew from a
startup to a profitable enterprise with more
than $100 million in annual revenues.
• Over 20 years experience in executive
positions in the banking, technology, and
telecommunications industries
• Previously Vice President of Lucent
Technologies Southeast Division and
President of Sales at the telecommunications
company Radiant/Ntera, where he grew sales
to more than $200 million annually.
• Over 20 years of experience as a proven,
public-company financial executive across
several industries
• Mr. Daniel is a licensed Certified Public
Accountant (CPA) in the US and Israel
• Mr. Daniel holds a Bachelor of Economics, a
Bachelor of Accounting and an MBA in Finance
from the Hebrew University as well as a
Graduate Degree in Law from the University of
Bar-Ilan
Michael De Prado
President & Co-Founder
Ran Daniel
Chief Financial Officer
21. p21.
Thank you!
Company Contact:
Michael De Prado
(800) 611-3622
michael@cuentas.com
Investor Relations Contact:
Dave Gentry
President & CEO
RedChip Companies, Inc.
Main: 1.800.RED.CHIP (733-2447)
dave@redchip.com
www.redchip.com