KREDIT PINTAR - Lending with Intelligence - KREDIT PINTAR 2018-2019 | CONFIDENTIAL - Amazon S3
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KREDIT PINTAR © 2018-2019 | CONFIDENTIAL KREDIT PINTAR – Lending with Intelligence
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Disclaimer
• 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.
2
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Disclaimer
• 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. Some
important 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.
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KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
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
Sample Loan Categories
Net disbursement Total repayment Total repayment Net disbursement
Net disbursement Total repayment
Rp 540,000 Rp 666,000 Rp 1,080,000 Rp 1,332,000 Rp 1,056,000 Rp 1,392,000
Tenor Tenor
Tenor
14 days 28 days
14 days
4
(Sources: www.similarweb.com – Website Traffic Statistics & Market Intelligence)
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
South East Asia Presents a Huge Opportunity for Consumer Lending
• 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) & 280 802 370 500
5-year CAGR 1% 4% 14% 28%
Mobile Internet Users (million) & 241 753 330 456
Penetration Rate 75.1% 54% 52% 34%
National R&D Expenditure US$495B US$214B US$15B US$24B
* Credit Penetration Rate = Number of Credit Cards / Total Population
5
(Sources: World Bank, PwC, OECD, TechinAsia, McKinsey)
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Our Business
6
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Kredit Pintar: Lending with Intelligence
Short-term Micro loans Capital
High Quality
Repay Loans Principal + Interest Lender
Borrowers
Credit Scoring Technology Proprietary Algorithm & AI Big Data Risk Control Fraud Detection
Capabilities
7
KREDIT PINTAR © 2016-2018 | CONFIDENTIAL
Technology as an Enabler to Economically Tap Into the Underserved
Consumers
Google Play App Website
8
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Business Positioning
Loan Amount
Credit Card
Mortgage Loan Tenor
Banks
Interest Rate
Car / Motorcycle Loans
Dependency on big data
White good Loans
• Customers with steady income but underbanked by Cash Loans
Banks, Multi-finance Companies Profitability
traditional FI’s
• Young people with little savings - college students,
graduates Payday Loan, Short-Term Cash Loan,
Merchandize Credit, Long-Term Cash Installments
Multi-finance Companies, Fintech Players
Retail Credit Loan Customer Segmentation
9
KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Early Registration with OJK as P2P Lender
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.
10KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Founded in Sep 2017 with 600+ employees so far
11KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Growth Profile
# of Cumulative Loans Disbursed Loan Cumulative Disbursement (USD’000)
5,000,000
350,000
4,500,000
4,000,000 300,000
3,500,000
250,000
3,000,000
200,000
2,500,000
2,000,000 150,000
1,500,000
100,000
1,000,000
50,000
500,000
0 -
Jul-18
Sep-17
Nov-17
Dec-17
Aug-18
Sep-18
Nov-18
Dec-18
May-18
Jan-18
Jun-18
Jan-19
Feb-18
Mar-18
Feb-19
Mar-19
Oct-17
Apr-18
Oct-18
Au 8
Fe 8
18
Fe 9
M 8
M 9
O 7
D 7
Ja 7
Se 8
O 8
Ju 8
D 8
Ja 8
N 7
M 8
N 8
Ap 8
9
l-1
1
1
1
1
1
-1
-1
1
1
-1
-1
-1
-1
r-1
-1
-1
-1
n-
n-
n-
b-
b-
p-
g-
p-
ov
ec
ov
ec
ay
ar
ar
ct
ct
Ju
Se
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. 12KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Indonesian Market Secured - Future Geographic and Product Roadmap
Product
Virtual Credit Card (VCC)
Product &
Geography
Ecommerce Installments
Current Diversification
Cash loans
Indonesia & Philippines & China Vietnam & India Global Geography
• Indonesia Registered as a P2P platform under the Indonesian OJK
License • Philippines Licensed as a Financing Company under Philippines SEC
• China Licensed as a National Internet Micro-loan Company under CRBC and Finance
Bureau 13KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Borrowing Process and Risk Management
14KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
App Borrowing Process
Download Kredit Pintar App Choose the best loan that Apply for a loan by Take a photo of your KTP Fill in your personal particulars
on Google Play fits your needs inputting your KTP details and a selfie holding your KTP
15KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Loan applications will be Loan approved and funds are After loan disbursement, track Fully repay loan before end of
assessed within 60 minutes. sent to your account your current loan status on the loan tenor to avoid incurring
app overdue payment charges.
16KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Credit Risk Management with AI and Big Data
Face Liveness
KYC OCR ID Comparison Detection
Check
Anti Blacklist
Face
Fraud Search
Rule
Device Engine
SDK Platform
Credit Credit Multi
Assessment Tele Score
Score Platform
17KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
New Generation Anti-Fraud and Credit Scoring Solution
Internet
Education
Social Network
Credit history
Consumption
Traditional Alternative
Personal Data Telco
Data Data
Location
Financial Asset
Browsing
E-Commerce
Credit Frauds | Promo Abuse | Payment Fraud | Account Abuse
18KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Our e-KYC Solution Addresses the Identification and Fraud Issues for
Countries with Poor Identity System and Data Infrastructure
OCR FOR KTP Liveness Detection Face Comparison
VS
Scan the KTP Recognition Success Action KTP Face Liveness Face
Video
Result
Pass / Reject
API
ID Check Face Search
Real Liveness Face Face DB
Identity
19KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
OCR (Optical Character Recognition)
Name HExxxxxAN Blood type O
NIK 327xxxxxxxxxx001 Gender PEREMPUAN
Religion ISLAM Expiry date SEUMUR HIDUP
Address JAKARTA, xx-xx-xxxx Village KERONCONG
Accurate FAST Better Customer
Optimized for KTP, 99%+ on 3 minutes Application Time Experience
NIK number Saving
20KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Liveness Detection
Core
Technology
1. Detect face
Please turn head to the
right
2. Face landmarks
Movement Analysis
3. Head movement
4. Eye blinks Optical Flow Analysis
5. Mouth movement
6. Verify and result Frequency and Texture
Based Analysis
21KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
About Us
22KREDIT PINTAR © 2018-2019 | CONFIDENTIAL
Management Team
Darjoto Setiawan
President Commissioner David Chen
President
• Bandung Institute of Technology, • Rajawali Group, Managing Director
B.S. in Math • Bentoel Group, President • University of Washington, • Nanyang Technological University,
• Prasetya Mulya Institute, M.S. in Commissioner Ph.D. in Computer Science Tenured Associate Professor
Management • PT Fortune Indonesia, Commissioner • Nestia Pte Ltd, Founder & CEO
Wisely Wijaya Chun Dong Chau
Chief Executive Officer Chief Data Scientist
• Beihang University, B. Eng in • Bumi Nirwana City, President • Leiden University, Ph.D in Math • Crystal Horse Investments, Partner
Material Science Commissioner and Natural Science • Capital-Match, Director
• University of Technology • Depeach, Director
Eindhoven, M.S. Ir
Matt Zou Boan Sianipar
Chief Risk Officer VP of Business Development
• Southwestern University of Finance • Huixiang Financial Services Ltd, VP • University of Wisconsin, B.B.A • Altria Group, Manager
and Economics, B.S. • Model Central Analytics team, ANZ, in Finance and Marketing • Xendit, VP of Business Development
Manager • Creighton University M.B.A.
• Bank of Communications, Risk Analyst • Creighton University M.S.
23KREDIT PINTAR © 2016-2018 | CONFIDENTIAL
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.
Team Background Investors
Top Internet / Tech Firms Top Asian VC Funds
Top IB / Consulting Firms
Top China Angel Fund
Top HF / PE Funds
Top Fintech Platforms Top PE in SE Asia
Deep Domain Expertise | Speed for Execution | Commitment to Localization
24KREDIT PINTAR © 2018-2019 | CONFIDENTIAL Thank You
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