MOBILE FINANCIAL ASSISTANT

WE’VE BEEN EITHER CONSULTING OR CREATING FINTECH PRODUCTS FOR THE LAST 5+ YEARS

THE TEAM

Irakli Agladze, CEO Background in hotel management, advertising and consumer startups. Product manager of two of the best banking apps for businesses.

Denis Moskalets, CTO 10+ experience as a backend developer. Expert in machine learning. Was behind the first Uber-like taxi service in Russia.

Aleksey Kuznetsov, UI/UX 7+ years in web/app design. Art-director of multiple financial and classified mobile services.

Ivan Golikov, iOS Lead Winner of multiple financial and non-financial hackathones as a mobile developer.

We are a team of talented and capable people, who are experts in mobile & web development, UX & service design, math & machine learning, banks’ microservice architecture.

We’ve been creating products that people love for our clients, and now, after we’ve learned so much – we’re making a product of our own.

10,000

ffinovate.comAlfa-Bank Debuts Sense, a New Way of Mobile Banking

WE HELPED DEVELOP A PRODUCT FOR ONE OF THE LARGEST BANKS IN RUSSIA

3,2

150 1,500

3,000

TEAM EXPERIENCE

IDEA

3 days to elaborate the idea.

3 weeks to implement the solution in the Bank.

3 months to run a pilot ! 1,500 clients. ! Tailored prediction

engine

6 months: ! 3,000 clients ! Testing channels

& funnels

9 months: ! 10,000 monthly

active users ! 10% monthly growth

without marketing expenses

CLIENTS

CROSS-SALE COEFFICIENT

2,1

1,2

wtech.co Modernize Your Banking Operations with Sense

tСlem_Lsft "We believe that it makes Sense"

tDave Birch "Mobile banking that feels the customer"

! Product Engagement Grows 2X on avg.

! Customer Lifetime Value 1,1X

! Transaction Activity Grows 2X

! Loyalty (Nps) Grows Up To 90%

IT HAS BEEN TESTED ON REAL CUSTOMERS*

* – 10K customers of Alfa-Bank in Russia, comparison of our users to the same people when they’d used native app of the bank.

TEAM EXPERIENCE

THE MARKET

• These people ask their friends, make online research or just move, trying to maintain their lifestyle abroad.

• They get frustrated with generic advices that don’t correlate with their personal behaviour.

• They struggle with opening a new bank account and getting national insurance.

• And they create workarounds to manage their money in both countries simultaneously.

WE HELP PEOPLE WHO LIVE ABROAD

! 244 000 000 people in the world live away from their home countries.

! In the European Union alone, more than 20 000 000 people are “internal migrants”,e.g. live in an EU country, different from their origin.

! Upon preliminary estimation, that is a $20 000 000 000 ($20 Billion) market.

THE PROBLEM

COMBINE IS A FINANCIAL ASSISTANTTHAT ANALYSES USER TRANSACTIONS AND HELPS PEOPLE FEEL SECUREWHEN MOVING TO ANOTHER COUNTRY

BY GIVING THEM PERSONALISED EXPENSE FORECAST AND LETTING THEM KEEP TRACK OF MULTIPLE BANK ACCOUNTS ACROSS EUROPE

THE SOLUTION

4

! Customised set of services at the user disposal exactly when he/she needs them

! Smart cross-sale system for third-partyapplications (Verse, Saveboost, TransferWise)

! Open API for non-financial service providers

! Tactful push system for user retention

! Online chat support to increase user satisfaction

It’s like Google Now,but for banks and finances.

THE PRODUCT

THE VALUE

4

! Security when moving to another country

! Help with opening a bank accountin a new country

! No need to have multiple apps for different bank accounts across the world

! Global overview of personal finances, helping keep track of bills in old country

! Better UX than anywhere else in mobile finances

! Third-party services to provide better unified experience for personal finances

Financial informationis back at your fingertips.

THE LAUNCH

• First users will be acquired via personal network of SBC startup founders and international students of Hyper Island.

• Next step – Google AdWords campaign, targeted on people looking for “cost of living in …” and similar requests.

• Later – Facebook campaign, targeted on people who recently started to live abroad, based on the change of their “current city”.

• In addition, we’ll work on publishing articles in lifestyle/geek-oriented press.

THIS IS HOWWE GO TO MARKET

THE STRATEGY

! We’re starting with giving our users a personalised forecast on future cost of living based on their current transactions.

! Then we help them with getting a local bank account and/or insurance based on their behaviour.

! After that they can connect both the new and the old bank accounts in our app for a seamless user experience.

THE BUSINESS MODEL

4

A. Users willing to get personalised forecastsare paying one-time fee.Appr. €10 per forecast.

B. Users interested in opening a bank account and getting insurance in the new country will be led to a partner institution, who will pay for customer acquisition.Appr. €100 per lead.

C. Users willing to manage multiple bank accounts in one app will pay monthly subscription fee to use more than 1 service.Appr. €5 per month per user.

THE FUTURE

! Multinational financial-first service, providing assistance to people moving or living abroad.

! Taxes home and abroad, credit score “transfer”, international payments, etc.

! Assistance in business relocation – help in scaling business abroad.

Goal

We’re now looking to raise €500,000 as equity.This will cover our 12 months expenses on:

! Customer acquisition (Google AdWords, press) ! Infrastructure (APIs from third parties) ! Team compensation (up to 10 ppl in 12 months) ! B2B Sales (Conferences)

€500,000

THE FUNDING

We’re looking forward to talking to you.

irakli@getcombine.com

+34 651 827 726