KREDIT PINTAR – Lending with Intelligence · 2019-04-17 · Kredit Pintar: Top Consumer Lending App in South East Asia ... • Bumi Nirwana City, President ... PT Fortune Indonesia,

KREDIT PINTAR © 2018-2019 | CONFIDENTIAL

KREDIT PINTAR – Lending with Intelligence


Disclaimer

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• This presentation (the "Presentation”) is provided for information purposes only.

• By reading this Presentation, you will be deemed to have agreed to the terms and restrictions set out below.

• Without the express prior written consent of Neuroncredit Pte. Ltd. and PT Kredit Pintar Indonesia (collectively, the“ Company”), the Presentation and any information contained within it may not be (i) reproduced (in whole or in part), (ii) copied at any time, (iii) used for any purpose other than your evaluation of the Company or (iv) provided to any other person, except your employees and advisors with a need to know who are advised of the confidentiality of the information.

• This Presentation does not constitute or form part of, and should not be construed as, an offer, invitation or inducement to purchase or subscribe for securities or any investment product nor shall it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. This Presentation does not constitute either advice or a recommendation regarding any securities or any investment product.

• You should not extend any loans to any borrowers through the use of the Company’s platform if you do not understand the nature of the loans, or with the accompanying risks as described in this Presentation. You will be subject to various risks and uncertainties, including the potential loss of your entire principal amount loaned in respect of each loan. If you are in doubt as to whether to extend any loan as such, please consult your legal, financial, tax or any other professional advisor.

• The communication of this Presentation is not intended for distribution to, or use by any person in, any jurisdiction where such distribution or use would be contrary to local law or regulation.


Disclaimer

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• No representations or warranties, express or implied are given in, or in respect of, this Presentation. To the fullest extent permitted by law in no circumstances will the Company, or any of its respective subsidiaries, shareholders, affiliates, representatives, partners, directors, officers, employees, advisers or agents be responsible or liable for any direct, indirect or consequential loss or loss of profit arising from the use of this Presentation, its contents, its omissions, reliance on the information contained within it, or on opinions communicated in relation thereto or otherwise arising in connection therewith. The information contained in this Presentation has not been independently verified.

• Recipients of this Presentation are not to construe its contents, or any prior or subsequent communications from or with the Company or its representatives as investment, legal or tax advice. In addition, this Presentation does not purport to be all-inclusive or to contain all of the information that may be required to make a full analysis of the Company, the platform or the loans. Recipients of this Presentation should each make their own evaluation and of the relevance and adequacy of the information and should make such other investigations as they deem necessary.

• This Presentation contains illustrative returns, projections, estimates and beliefs and similar information (“Forward Looking Information”). Forward Looking Information is subject to inherent uncertainties and qualifications and is based on numerous assumptions, in each case whether or not identified in the Presentation. Forward Looking Information is provided for illustrative purposes only and is not intended to serve as, and must not be relied on by any investor as, a guarantee, an assurance, a prediction or a definitive statement of fact or probability. Nothing in this Presentation should be construed as a profit forecast. Actual events and circumstances are difficult or impossible to predict and will differ from assumptions. Many actual events and circumstances are beyond the control of the Company. Someimportant factors that could cause actual results to differ materially from those in any Forward Looking Information could include changes in domestic and foreign business, market, financial, political and legal conditions. There can be no assurance that any particular Forward Looking Information will be realized, and the performance of the Company may be materially and adversely different from the Forward Looking Information. The Forward Looking Information speaks only as of the date of this Presentation. The Company expressly disclaims any obligation or undertaking to release any updates or revisions to any Forward Looking Information to reflect any change in the Company’s expectations with regard thereto or any changes in events, conditions or circumstances on which any Forward Looking Information is based. Accordingly, reliance should not be placed upon the Forward Looking Information.


Kredit Pintar: Top Consumer Lending App in South East Asia

# 1 ranked consumer lending app in Indonesia Google Play Store Downloaded more than 4 million times

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Sample Loan Categories

Net disbursement

Rp 540,000

Tenor14 days

Total repayment

Rp 666,000Net disbursement

Rp 1,080,000

Tenor14 days

Total repayment

Rp 1,332,000Net disbursement

Rp 1,056,000

Tenor28 days

Total repayment

Rp 1,392,000

(Sources: www.similarweb.com – Website Traffic Statistics & Market Intelligence)

http://www.similarweb.com/


* Credit Penetration Rate = Number of Credit Cards / Total Population(Sources: World Bank, PwC, OECD, TechinAsia, McKinsey)

South East Asia Presents a Huge Opportunity for Consumer Lending

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• Large population with low consumer credit penetration rate compared to the U.S. and China.• Fastest growing internet market in the world.

• Market at a key inflection point where borrowers are looking to do their consumer borrowings online via mobile internet.

U.S.A China SE Asia India

Total Population (million) 322 1,386 636 1,339

Consumer Credit Penetration Rate * 198% 42% 6% (excluding SG) 2%

GDP Growth Rate 2.3% 6.9% 5.2% 6.6%

Internet Users (million) &5-year CAGR

2801%

8024%

37014%

50028%

Mobile Internet Users (million) &

Penetration Rate

241

75.1%

753

54%

330

52%

456

34%

National R&D Expenditure US$495B US$214B US$15B US$24B


Our Business

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777

High Quality Borrowers

Lender

Credit Scoring Technology Proprietary Algorithm & AI Capabilities

Big Data Risk Control Fraud Detection

Short-term Micro loans

Repay Loans

Capital

Principal + Interest

Kredit Pintar: Lending with Intelligence


Technology as an Enabler to Economically Tap Into the Underserved Consumers

AppGoogle Play Website

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Business Positioning

Credit Card

MortgageBanks

Car / Motorcycle LoansWhite good Loans

Cash Loans

Banks, Multi-finance Companies

Payday Loan, Short-Term Cash Loan, Merchandize Credit, Long-Term Cash Installments

Multi-finance Companies, Fintech Players

Retail Credit Loan Customer Segmentation

• Young people with little savings - college students,

graduates

• Customers with steady income but underbanked by

traditional FI’s

Loan Amount

Loan Tenor

Interest Rate

Dependency on big data

Profitability

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Early Registration with OJK as P2P Lender

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Kredit Pintar became registered in April 2018

Kredit Pintar became one of the first fully OJK registered

and monitored P2P lenders in Indonesia, joining a small

group of registered entities by May 2018. We are already

fully compliant under our current registration status.


Founded in Sep 2017 with 600+ employees so far

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0

500,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

4,000,000

4,500,000

5,000,000

Sep

-17

Oct

-17

No

v-1

7

De

c-1

7

Jan-

18

Fe

b-18

Ma

r-18

Apr

-18

Ma

y-1

8

Jun-

18

Jul-1

8

Aug

-18

Sep

-18

Oct

-18

No

v-1

8

De

c-1

8

Jan-

19

Fe

b-19

Ma

r-19

-

50,000

100,000

150,000

200,000

250,000

300,000

350,000

Sep-1

7

Oct-17

Nov-1

7

Dec-1

7

Jan-

18

Feb-1

8

Mar-18

Apr-1

8

May-18

Jun-

18

Jul-1

8

Aug-1

8

Sep-1

8

Oct-18

Nov-1

8

Dec-1

8

Jan-

19

Feb-1

9

Mar-19

Growth Profile

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# of Cumulative Loans Disbursed Loan Cumulative Disbursement (USD’000)

Note�As of 31 Mar 2019; USD to IDR exchange rate used in this file is 14,222.4, which is the average exchange rate in last 90 days;Charts above include loans disbursed in Shopintar.


Indonesian Market Secured - Future Geographic and Product Roadmap

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Cash loans

Ecommerce Installments

Virtual Credit Card (VCC)

Indonesia & Philippines & China Vietnam & India Global Geography

Product

Product &GeographyDiversificationCurrent

License • Indonesia�Registered as a P2P platform under the Indonesian OJK• Philippines�Licensed as a Financing Company under Philippines SEC• China�Licensed as a National Internet Micro-loan Company under CRBC and Finance

Bureau


Borrowing Process and Risk Management

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App Borrowing Process

Download Kredit Pintar App on Google Play

Take a photo of your KTP and a selfie holding your KTP

Apply for a loan by inputting your KTP details

Fill in your personal particularsChoose the best loan that fits your needs


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Loan applications will be assessed within 60 minutes.

Loan approved and funds are sent to your account

After loan disbursement, track your current loan status on the

app

Fully repay loan before end of loan tenor to avoid incurring overdue payment charges.


Credit Risk Management with AI and Big Data

KYC

Anti Fraud

Credit Assessment

OCR ID Check

Face Comparison

Liveness Detection

Blacklist Face Search

Credit Score

Multi Platform

Tele Score

Device SDK

Rule Engine

Platform

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New Generation Anti-Fraud and Credit Scoring Solution

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Credit Frauds | Promo Abuse | Payment Fraud | Account Abuse

Traditional

Data

Credit history

Financial Asset

Personal Data

Education

Consumption

Alternative

Data

E-Commerce

Telco

Browsing

Social Network

Internet

Location


Our e-KYC Solution Addresses the Identification and Fraud Issues for Countries with Poor Identity System and Data Infrastructure

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Scan the KTP Recognition Success ActionVideo

OCR FOR KTP Liveness Detection

RealIdentity

ID Check

API

Face Comparison

Face Search

KTP Face Liveness Face

VS

Liveness Face Face DB

Pass / Reject

Result


OCR (Optical Character Recognition)

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Name HExxxxxAN Blood type O

NIK 327xxxxxxxxxx001 Gender PEREMPUAN

Religion ISLAM Expiry date SEUMUR HIDUP

Address JAKARTA, xx-xx-xxxx Village KERONCONG

Better Customer Experience

FAST3 minutes Application Time

Saving

AccurateOptimized for KTP, 99%+ on

NIK number


Liveness Detection

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1. Detect face

2. Face landmarks

3. Head movement

4. Eye blinks

5. Mouth movement

6. Verify and result Frequency and TextureBased Analysis

Movement Analysis

Optical Flow Analysis

CoreTechnology

Please turn head to theright


About Us

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Management Team

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Matt ZouChief Risk Officer

• Southwestern University of Finance and Economics, B.S.

• Huixiang Financial Services Ltd, VP• Model Central Analytics team, ANZ,

Manager• Bank of Communications, Risk Analyst

Boan SianiparVP of Business Development

• University of Wisconsin, B.B.A in Finance and Marketing

• Creighton University M.B.A.• Creighton University M.S.

• Altria Group, Manager• Xendit, VP of Business Development

David ChenPresident

• University of Washington,Ph.D. in Computer Science

• Nanyang Technological University,Tenured Associate Professor

• Nestia Pte Ltd, Founder & CEO

Wisely WijayaChief Executive Officer

• Beihang University, B. Eng in

Material Science

• Bumi Nirwana City, President Commissioner

Darjoto SetiawanPresident Commissioner

• Bandung Institute of Technology, B.S. in Math

• Prasetya Mulya Institute, M.S. in Management

• Rajawali Group, Managing Director• Bentoel Group, President

Commissioner• PT Fortune Indonesia, Commissioner

Chun Dong ChauChief Data Scientist

• Leiden University, Ph.D in Math and Natural Science

• University of Technology Eindhoven, M.S. Ir

• Crystal Horse Investments, Partner• Capital-Match, Director• Depeach, Director


Top China Angel Fund

Top PE in SE Asia

Top IB / Consulting Firms

Top Internet / Tech Firms

Top HF / PE Funds

Top Fintech Platforms

Team Background Investors

Deep Domain Expertise | Speed for Execution | Commitment to Localization

Top Asian VC Funds

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Strong Team Background & Top Investment Institutions

• A multinational financial technology company with diverse talents and top technology, covering China, Singapore, Indonesia the Philippines, Vietnam, and India.

• Investment from well-known institutions.


Thank You

Documents

KREDIT PINTAR – Lending with Intelligence · 2019-04-17 · Kredit Pintar: Top Consumer Lending App in South East Asia ... • Bumi Nirwana City, President ... PT Fortune Indonesia,