Eml Payments Ltd. · ASX:EML
Eml Payments — Investor Day (November 2018)
107 slides from Eml Payments's investor day presentation, Nov 13, 2018
Slide 1: EMLCON investor event announcement
BRISBANE, Queensland Date 13 November 2018 For personal use only The following presentations will be delivered at EMLs’ inaugural investor event, EMLCON, in Sydney on Tuesday 13 November 2018. Our inaugural showcase of EML’s innovation and technology will provide our investors the opportunity to int
Slide 2: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 3: EMLCON Sydney 2018
For personal use only =MI..CON Sydney 2018
Slide 4: Tom Cregan, Managing Director & Group CEO
For personal use only =MI.. Tom Cregan Managing Director & Group CEO =MI..CON Sydney 2018
Slide 5: The EML Team
For personal use only ‘e THE EML TEAM Thank you =MI..CON Sydney 2018
Slide 6: The Speakers
For personal use only THE SPEAKERS Nick Sims Asher Tan Ben Young Covfeunder [CEO Founder CEO edge @ comnsar ee = Thank you Adam Levine Coounder Sam Swanell Founder, Drector CEO POINTSBET =MI..CON Sydney 2018
Slide 7: The Partners
_. For personal use only THE PARTNERS globalpayments Bp SeventhBeam Thank you PRODIGY + Min EESES SS SMLCON Hi Sydney 2018 -
Slide 8: EML in 2012
For personal use only EML IN 2012 GROUP GDV (FY12) S60 million 1 customer Operating in 1 country - =ML.CON Sydney 2018
Slide 9: For personal use only
For personal use only “you guys have done really well, I like your technology but, what is it you do again?" =MI..CON Sydney 2018
Slide 10: EML in 2018
For personal use only EML IN 2018 GDV (FY18) S6.75 billion 1200 customers Operating in 21 countries 8 Currencies - =ML.CON Sydney 2018
Slide 11: For personal use only
For personal use only “you guys have done really well, I like your technology but, what is it you do again?" =MI..CON Sydney 2018
Slide 12: For personal use only
=MI..CON Sydney 2018 ersonal use only
Slide 13: I get it
For personal use only "I get it"
Slide 14: EML Mission Statement
For personal use only EML MISSION STATEMENT We create awesome, instant and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. =MI..
Slide 15: For personal use only
prepaid »))} mastercard neds )))) mastercard. propaid BET(EASY 5123 4567 8910 1112 Siu? 12/20 mastercard, =MI..CON Sydney 2018
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For personal use only
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2p Ry =MI..CON Sydney 2018
Slide 18: For personal use only
For personal use only =o. John Citizen Create cardholder terry =MI..CON
Slide 19: Keynote Presentation: Edge
KEYNOTE PRESENTATION 1 edge ick Sims =MI..CON Sydney 2018
Slide 20: Change the Way Customers Behave
For personal use only CHANGE THE WAY CUSTOMERS BEHAVE edge
Slide 21: Australia's leading provider of consumer and trade incentive solutions
_ dge onal use onl S Australia’s leading provider of consumer and trade incentive solutions With unique insight into the BTL rewards market 1 in 5 Australians have a received a reward from Edge $151m in over redemption exposure covered in FY18 50m promotional entries managed over the last decade 399
Slide 22: A strategic partner of EML since 2008
For personal use only edge A strategic partner of EML since 2008, our rewards also include the full complement of EML financial payment solutions We are reward agnostic We recommend rewards that best satisfy our clients budget and objectives Selecting from Australia’s broadest range of prepaid rewar
Slide 23: We partner with hundreds of leading brands
Rinnai, ©)" FOXTEL BD phones AAMI kraft foods7* Nvicroads CA nab We partner hod Ulleggs §=(@Bjeaew Coles with hundreds @ of leading uN fon brands Starcom EER == medibank SAMSUNG MARS For Better Health rs 9 — a Beiersdorf sdnon aventis @ a dd € carsales | coeofresm ro Ae sony
Slide 24: Why we love pays
Why we love pays... because it’s a game changer...it creates opportunities that do not currently exist “Finally, a single reward solution that satisfies the wish list of nearly every major brand”
Slide 25: In a way no other pre-paid reward can
In a way no other pre-paid reward can.... Prepayment Digital Retail Plastic Scheme EFT types Gift Cards Gift Cards Payments Existing Not brandable to end point Delayed delivery Customer resistance to provide limitations of claim bank account details Not possible for on premise redemption regardless
Slide 26: For personal use only
For personal use only
Slide 27: Pre-paid Incentive Power Matrix
Cost For personal use only Placing the Pays at the apex of the Pre-paid Incentive Power Matrix™ OPEN LOOP DIGITAL Mc (PAYS) RETAIL DIGITAL MOVIE TICKETS ELECTRONIC BRANDED EFTPOS & PAYMENTS. VISA GIFT CARDS WINE OFFERS Utility — Incentive Power edge "Images are for illustrative purposes only
Slide 28: The Pays to grow the BTL incentive market
We’ll see The Pays grow the BTL Incentive Market in 4 areas: The Pays provides Ease of Execution across Mass Markets 1 2 3 Customer More frequent More spend per migration from campaigns campaign existing reward a) Ease of set up & a) Stickiness will drive offers incentive power ancillary benefits b)
Slide 29: New Opportunities
New Opportunities ; Cc | 7 qs © r foe . @ \ ae oY a \ Ss) \ 7 ly | — f Fie OR eal Time On » Low Value Product 4 |e - cree Activations i Trail Offers --— ai . a] _ 2 @) SI a oF 2S = 6 Swisse Swisse . - — 7 SS Instant Cash - Back Offers Shift from Close Loop to Open Loop “WOMEN'S HEALTH
Slide 30: The Pays will change the way multinationals reward customers
* The Pays will change the way multinationals reward and incentivise Customers. + It will be immediate and it will be profound. * The channels and opportunities exist. Now the technology does as well. Samsung Pay mastercard Join a combined cover online with nib by March 31 and choose from a range of
Slide 31: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 32: Keynote Presentation: CoinJar, Asher Tan
KEYNOTE PRESENTATION 2 SS —= e S q) MB COINJAR =) S Asher Tan Co-founder & CEO For personal -=ML.CON | Sydney 2018 ~
Slide 33: CoinJar & EML
SS For personal use onl @ coinsar CoinJar & EML EMLCON 2018
Slide 34: Early enquiry email from CoinJar
From: Ryan Zhou [mailtc I ) m] Sent: Saturday, 21 September 2013 3: 23 PM To: Information @ Emerchants Subject: Interested in reloadable scheme prepaid cards Dear Sir/Madam, Our company CoinJar is a Melbourne-based VC-backed tech startup focusing on purely digital payment platforms such as Bitcoin.
Slide 35: Digital wallets in China
Digital wallets in China E24 Alipay 175 million transactions per day WeChat Pay 900 million monthly active users
Slide 36: Value of Chinese mobile payments
Value of Chinese mobile payments $1 trillion $15.5 trillion
Slide 37: For personal use only
For personal use only @é A "platform" is a system that can be programmed and therefore customized by outside developers -- users -- and in that way, adapted to countless needs and niches that the platform's original developers could not have possibly contemplated, much less had time to accommodate.
Slide 38: Card-enabled Fintechs & Neobanks
Card-enabled Fintechs & Neobanks Transacting over €2 billion a month N26 Transacting over €1 billion a month
Slide 39: Bringing the extraordinary to the everyday
Bringing the extraordinary to the everyday D Buy & Sell Trade cryptocurrency ee HrTrsunmmw comtiaR-COM | @ Send & Receive = Make & accept payments =, Store & Monitor 9 Check your portfolio (es Spend & Withdraw Spend using CoinJar Swipe
Slide 40: Behind the scenes
Behind the scenes A seamless user experience Swipe Internal Service Welcome to CoinJar, = COINJAR ‘oo0z4s arc | 4000°0001,2845°6789) Alisor i 0.000132 Ute EML External Web Service
Slide 41: Providing multi-channel finance solutions
Providing multi-channel finance solutions CoinJar provides value in digital currency through software and consumer facing interfaces. Payments AfterPay Robo-Advisers
Slide 42: Digital currency made easy
For personal use only US Identity Auspost Digital iD Digital currency made easy on» (ep && Deposit Crypto Debit Card Newsagents & Wallet & EFTPOS payment Exchange with EML gateways Ko Loyalty CoinJar Rewards
Slide 43: In business, in exchange, in VC investment
In business In exchange JX Customers In VC investment
Slide 44: What our customers say about CoinJar Swipe
What our customers say about CoinJar Swipe It's very simple to use. Easy interface to check your balance. It works easily in plenty of places ~ and I've never had a fail! 4000 000° Alison-Smith Complete flexibility, | can shift between digital currencies and cash in minutes.
Slide 45: CoinJar Swipe card transaction value
CoinJar Swipe Card transaction value $16,000,000 $12,000,000 $8,000,000 $4,000,000 $0 2015 2016 2017 2018 YTD
Slide 46: What's next for CoinJar? Global growth
What's next for CoinJar? 2 Global growth © CoinJar in Europe and other locations ($) More digital assets G High quality, vetted digital assets and tokens e Bundled services (k= Value-added products and services
Slide 47: Take a peek
Take a peek innovation $7,936.2| Today's change Allchange Your coins © Everyday Biteoin Biteoin © everyday Lite Litecoin Welcome to CoinJar, 8 4 Convert Your accounts © Everyday Bitcoin Biteoin @ Litecoin @ Cash Account Australian Dollar © swipe Card Debit card © CoinJar Rewards Buy and sell to earn
Slide 48: Thank you
For personal use only @ coinsar Thank you www.coinjar.com
Slide 49: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 50: Keynote Presentation
KEYNOTE PRESENTATION 3 SS =MI..CON Sydney 2018
Slide 51: For personal use only
For personal use only
Slide 52: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 53: Keynote Presentation: ImpactPay, Adam Levine
KEYNOTE PRESENTATION 4 SS i Oe wt W — Adam Levine Co-founder > ImpactPay For person -=ML.CON Sydney 2018
Slide 54: Tap & Give
For personal use only Tap & Give ImpactPay
Slide 55: Who We Are
For personal use only WHO WE ARE Our Vision To discover innovative ways for everybody in the world, to help everybody else in the world Our Mission To be the world’s most trusted social impact payments platform
Slide 56: Where We've Come From
WHERE WE’VE COME FROM For personal use only Investment banking and legal services Sold to 2008 2012 2013 2015 2018
Slide 57: Our Unique Heritage
OUR UNIQUE HERITAGE For personal use only Flinders Trustees Group Management of over $400 million in assets for those who could not make financial decisions for themselves. Appointed by courts, tribunals and family members and were held to the highest fiduciary standards. Government disbursements ex
Slide 58: ImpactPay Team
IMPACTPAY TEAM For personal use only Adam Levine Regina Levine Kylie Davies-Culloden O’Neal Song Liv Tully Co-Founder/CEO Co-Founder/Head of Chief Cause Officer Head of Finance Chief Tribe Officer Innovation & UX Design ADVISORY BOARD Greg Ridder Chairman of Kogan, board member of Oxfam and former C
Slide 59: Globally Scalable Ecosystem
GLOBALLY SCALABLE ECOSYSTEM With pre-established global expansion runway For personal use only Leaders in global payments Global leader in payment processing solutions Undertaking joint development High-end app developers to develop global social impact (Sports Bet, Telstra, ESPN & EML) blockchain s
Slide 60: $1 Trillion+ Global Problem We Solve
$1 TRILLION+ GLOBAL PROBLEM WE SOLVE For personal use only Government à Social Disbursements Market size for government cash disbursement payments to individuals (in Australia alone): • Including unemployment: AUD $125 billion (2016) • NDIS: 475,000 people will receive $22 billion p.a Consumer à Cha
Slide 61: Bringing ImpactPay to Life
BRINGING IMPACTPAY TO LIFE MVP+1 For personal use only Live launch • Kids cards Execute contracts • Government with EML & MVP distribution Mastercard Scale up staff • Mobile payments App design scope & Final app development development Live testing Nov Oct Jan June Sep Feb 12 2017 2018 2018 2018 201
Slide 62: Immediate Adjacencies
IMMEDIATE ADJACENCIES For personal use only 1. ImpactPay Retailer 2. ImpactPay Kids Connecting retailers with their customers on a personal level, building Teaching giving and financial literacy from a young age stronger brand affinity Value: Value: • Different financial model: annual fee (circa $3
Slide 63: Current State of Play
For personal use only CURRENT STATE OF PLAY Consumer/Charity Card
Slide 64: What Next-Gen Givers Want
WHAT NEXT-GEN GIVERS WANT For personal use only 1. To see proof that their dollar is having a positive impact 2. To have control over when and how much they donate 3. To be seen as part of an impactful, connected community 4. Mobile first solutions as their primary method of giving Giving Australia
Slide 65: What Charities Want
WHAT CHARITIES WANT For personal use only 1. To increase donor acquisition and engagement 2. Lower fundraising costs to make the donor dollar go further 3. To achieve their cause goals and celebrate results 4. Recurring revenue from active givers 5. Deeper insights on giver personas through big data
Slide 66: The Barriers to Giving
THE BARRIERS TO GIVING And how ImpactPay solves them For personal use only Unregulated A lack of trust in growth in the charities and how number of People cannot the money is charities has afford to give being used confused givers, leading them to opt out of giving Micro-giving Transparency Simple P
Slide 67: How We Deliver for Charities
HOW WE DELIVER FOR CHARITIES For personal use only
Slide 68: Charity Partners
For personal use only CHARITY PARTNERS
Slide 69: How We Deliver for Millennials
For personal use only HOW WE DELIVER FOR MILLENNIALS
Slide 70: Control and Track Spending and Savings
CONTROL AND TRACK SPENDING AND SAVINGS For personal use only
Slide 71: Track Impact & Projects in Real-Time
TRACK IMPACT & PROJECTS IN REAL-TIME Blockchain inspired For personal use only
Slide 72: Part of a Community / Tribe
PART OF A COMMUNITY / TRIBE For personal use only Tailored news feed Crisis donations Social share prompts
Slide 73: Customer Acquisition Strategy
CUSTOMER ACQUISITION STRATEGY Paid social activity For personal use only Pay per click Press coverage Retargeting SEO Paid influencers YouTube Paid Student Edge partnership: • Native content, display, social $5 sign up bonus (limited) Earned Owned Ongoing referral bonus Charity partnerships: Website
Slide 74: Customer Acquisition: Partnerships
CUSTOMER ACQUISITION: PARTNERSHIPS For personal use only Charities • Help charities re-engage their non-givers via email and social activity • Large, engaged audience - database of just one national partner +70,000 • Offering $5 sign-up bonus, incentivising them to amplify ImpactPay University Stude
Slide 75: Partnering with EML
For personal use only x EML PARTNERING WITH
Slide 76: EML and ImpactPay
EML AND IMPACTPAY A pre-established runway for expansion For personal use only Europe North America
Slide 77: Enabling Mobile Payments
ENABLING MOBILE PAYMENTS Development of cutting-edge SDK For personal use only
Slide 78: ImpactPay in Action
For personal use only x ACTION IMPACTPAY IN
Slide 79: Selecting a Cause
For personal use only CAUSE SELECTING A
Slide 80: Tap & Give
For personal use only TAP & GIVE
Slide 81: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 82: For personal use only
For personal use only
Slide 83: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 84: For personal use only
For personal use only
Slide 85: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 86: PointsBet, Sam Swanell
POINTSBET © Sé on =) Sam Swanell Founder, Director & CEO e@ For personal | EML.CON Jeon Sydney 201
Slide 87: PointsBet: Every Point Matters
For personal use only POINTSBET EVERY POINT MATTERS
Slide 88: PointsBet Background
For personal use only FS oF ( » &m é the ate POINTSBET BACKGROUND oe fl vat Were g ep stan in 400m + SoR6 3h 29m wmpLace Fed Pace = POINTSBET ety | a) ren Re> Ke) O.O@ WARRNAMBOOL © ) > Doman ™ so ][ +0 g, tet) oy + | 7m | gy omnes) ™ + [as Pe) 1 te as || A tech focused Australian corporate bookmake
Slide 89: Australian Market
For personal use only AUSTRALIAN MARKET Significant headwinds since PointsBet launched - credit ban, minimum bet rule, POC tax, advertising restrictions. Highly competitive and highly taxed but strong growth and #5 reducing number of competitors. $50 BACK IN BONUS 2016/17 Gambling Statistics release
Slide 90: USA Market
| use only rsona Re For USA MARKET Pe ye Bee USA population 13x Aus. How large could the market become? Includes online in-play. USD $15B? Depends on regulations. 1. Nevada, population.3M, mobile but no digital sign-up: $250M 2;New Jersey, population 9M, digital sign- up: $500M. Sep 18: $24M 3. Miss
Slide 91: PointsBet USA Access
POINTSBET USA ACCESS S ‘land grab’ niv © Points! e Q&A: PointsBet on its bid to S market brea ugh for PointsBet s ul Pp For personal us PointsBet t Sonal
Slide 92: Summary - How We Did It
For personal use only SUMMARY —- HOW WE DID IT (as) QURUINTSBET AUSTRALIA WD. new york Clear strategy from day one. Proactive and committed approach from July 2017. Built relationships and credibility. Won opportunity through rigorous RFP process. Track record of success, experienced Management team
Slide 93: PointsBet USA
ersonal use only POINTSBET USA aul Hannon — Strategy: “A very positive facet of the business | feel is a strong suit of PB since | joined is the culture.....we will have a chapee to steal market Share as a result. The culture bleeds into the brand. Happytto be on this team.” For Deal signed July 20,
Slide 94: Technology
TECHNOLOGY PointsBet owns its proprietary sportsbook technology. Modern platform. Apple and Android Apps, mobile, tablet and _ desktop sites, self-service Kiosks and point of sale NY = platforms. 4 \ = “Market leading technology using cloud based tools. PointsBet is one of 40 companies to be accepte
Slide 95: PointsBet and EML: instant access to winnings
| For personal use only POINTSBET AND EML Provide PointsBet customers with instant access to winnings The PointsBet Payout Card becomes the way to replicate the instant gratification of having real time access to their winnings as cash. Experience shows that 43% of funds transferred to the card are
Slide 96: PointsBet and EML: account funding
For personal use only POINTSBET AND EML Provide PointsBet customers with ability to load their PointsBet account PointsBet Gaming account funding eCommerce Funding Product Overview | POWNTSBET | Cardholder Selects Add Funds Funds Deposited to EML Card POINTSBET
Slide 97: PointsBet and EML
For personal use only POINTSBET AND EML Unlawful Internet Gambling Enforcement Act (UIEGA) 2012 - “illegal” credit card gambling charges. 50% decline rates. USA banking system inefficient. POINTSBET Customer's want their winnings! And bookmakers 7] don’t want their funds too far away. ™ Customer re-
Slide 98: PointsBet Progress
For personal use only POINTSBET PROGRESS PB MARCH 2017 LAUNCH SPORTS POINTS BETTING JUNE 2018 POINTSBET RAISES $3.75M AT POST CAPITAL VALUATION OF $51.45M MARCH 2018 LAUNCH FIXED. ODDEST 2016 SEPTEMBER 2017 MAY 2018 POINTSBET AUSTRALIA LAUNCH FIXED ODDS RACING PASPA REPEALED INCORPORATION INUSA AUGU
Slide 99: Summary
For personal use only SUMMARY USA sports betting market a huge opportunity for PointsBet and EME. Early signs from New Jersey extremely promising. PointsBet will be the only Australian company with direct exposure to a potential USD$20B revenue market. EML very well placed. POINTSBET
Slide 100: EMLCON Sydney 2018
CON Sydney 2018 =MI.. euosied 105
Slide 101: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only
Slide 102: Thank you
Thank you Ajuo asn euosied JOS =MI..CON Sydney 2018
Slide 103: The Speakers
For personal use only THE SPEAKERS Nick Sims Asher Tan Ben Young Covfeunder [CEO Founder CEO edge @ comnsar ee = Thank you Adam Levine Coounder Sam Swanell Founder, Drector CEO POINTSBET =MI..CON Sydney 2018
Slide 104: The Partners
_. For personal use only THE PARTNERS globalpayments Bp SeventhBeam Thank you PRODIGY + Min EESES SS SMLCON Hi Sydney 2018 -
Slide 105: Thanks to the EML Team
For personal use only THANKS TO THE EML TEAM Amy Chadwick Richard Anderson Kate Menzies Noreen Messenger Raechel Luckins Justin McCloughan Karen Basing Rachelle St Ledger Malcolm Bourke Brandon Thompson Tom Cregan « and all in our team back in the office in Brisbane! = MI.
Slide 106: Thank you
For personal use only Thank you =MI..CON Sydney 2018 =MI..CON
Slide 107: EMLCON Sydney 2018
=MI.. =IMl_.CON ; Sydney 2018 ersonal use only