Launching incuto 2020 roadmap. incuto is a technology platform for Credit Unions and Community Lenders.

1. #incutoVision2020

2. incuto: 3 years old
#incutoVision2020

3. Technology Partner
(not a software provider)
#incutoVision2020

4. • Faster than a payday lender
• Better than a bank
• Cheaper transaction fees
• Equal so everyone pays the same
#incutoVision2020

5. • 3m payday borrowers
• 37% aged 25-34
• £260 average loan
• 75% take 2+ loans / year
• 83% applied online
#incutoVision2020

6. thank you
#incutoVision2020

7. Our investors:Our partners:Our customers:
26 CUs, including:

8. for trusting us to deliver
#incutoVision2020

9. Increased loan book: 60%-80%
Improving the loan book
Loans paid out same day: 98%
Loans applied for outside office hours: 47%
Increase in (£) arrears repaid: 100%

10. Avg time to make loan decision: >1 minute
Improving back-office efficiency
Withdrawal requests auto-declined: 40%
Time saved per person per week: 1 day
Withdrawals paid out same day: 99%

11. to 3,210
new young savers in
120schools

12. over 2m
email and SMS
messages

13. 35%
read outside
office hours

14. 49,445
members using
online & mobile
banking

15. 30,000+
loan applications
completed online

16. 47%
loans applied for
outside office hours

17. 24,500+
automated

18. 15
Credit Unions
£1.5m prize pot
HM Treasury Prize Savers Pilot

19. 8 CUs tackling
Payday Lenders across
Greater Manchester
NESTA Affordable Credit Challenge

20. we currently work with
26Credit Unions
#incutoVision2020

21. we’ve got big news…
#incutoVision2020

22. incuto hub
back-office platform
launches
01/03/2020

23. incuto hub
back-office platform
 no license or support fees, ever
 no large, up-front costs
 same, low cost transaction fees
 no minimum volumes
 “cost plus margin” pricing

24. Customer Experience
CRM, Loan & Savings Engine,Comms (legacy replacement)
Loan Automation
Payments & Banking
Reporting & Analytics
Accounting & GL
Financial Education & Inclusion
Fraud & Risk

25. incuto hub
secure, hosted platform

26. CRM, Loan Management &
Accounts in one platform

27. Quick Views
counter, F2F & telephone views

28. Member Manager
account management toolkit

29. Secure Messaging
multi-channel messaging service

30. Group Manager
build rules-based lists of members

31. Email & SMS
marketing & engagement

32. Product Builder
savings & loans designer

33. Auto Decisioning
advanced rules engine

34. Withdrawal Manager
rules configuration & faster payments

35. Open Banking
automated bank transaction analysis

36. Workflow Designer
bespoke customer journey builder

37. Batch Manager
data import management tool

38. Smart Match
auto bank reconciliation

39. Auto Distribute
funds between accounts

40. Xero Accounts
automatically updated

41. Hive Intelligence
advanced reporting and analytics

42. Available Today:
Hive (data from legacy systems)
API (connect to 3rd party apps)
Online Join & Apply
Member Hub (online banking)
Mobile App (mobile banking)
Buzz (email and SMS marketing)
LifeSavers / Money Bees
Q1 (January – March 2020)
Open Banking
Automated Decisions
Incuto Hub
Xero Integration
Debit Card
Minimum requirement to replace your
legacy back-office system

43. Member Area Enhancements
LoanApplication Enhancements
Fraud Monitoring
Q3 (July – September 2020)
Faster Payments
Banking Services (a/c & sort code)
Personal Financial Dashboard
Affordable Loans Portal
Q2 (April – June 2020)
Analytics, active fraud monitoring and
enhancements to existing applications
Automated payments and
bank account & sort code per member
Hive IntelligenceAnalytics Suite

44. User Development Group
Users drive our development roadmap. We’re
launching our User Development Group to look
Q3 2020 onwards…
Events
Join us at our events around the country during
2020 (incuto.com/events)
Community
Join community.incuto.com to join the
conversation and get the most up-to-date
information
Have your say:
Post Office Integration
Mobile App Enhancements
Buzz Enhancements
API Enhancements
Q4 (October – December 2020)
Post Office integration and enhancements
to existing applications

45. incuto hub
back-office platform
 no license or support fees, ever
 no large, up-front costs
 same, low cost transaction fees
 no minimum volumes
 “cost plus margin” pricing

46. It’s all change…
except the price
#incutoVision2020

47. incuto hub
1 CU is live today
5 CUs are beta-testing
#incutoVision2020

48. Join us today:
incuto.com/launch
full launch 1st March 2020
#incutoVision2020