Ovanti Ltd · ASX:OVT
Ovanti — Investor Presentation (November 2025)
28 slides from Ovanti's investor presentation, Nov 24, 2025
Slide 1: Flote - An Ovanti Limited Product
Confidential & Proprietary For personal use only An Ovanti Limited Product enquiries@ovanti.com © Ovanti
Slide 2: Affordability Unlocked
For personal use only Affordability Unlocked MISSION: Reach over 150 million debit-first Americans who are locked out of legacy BNPL and traditional credit models due to a broken FICO credit-scoring system GOAL: Reach $1.8B TTV in 24 months under a base case that only captures 1-3% SAM 2
Slide 3: The U.S. Affordability Problem: The Model Is Broken
BNPL Market Pain For personal use only The U.S. Affordability The Model Is Broken Problem Legacy BNPL (Klarna, Affirm, etc.) is fundamentally flawed and exclusionary because it relies on the outdated FICO credit model, leaving most U.S. consumers underserved. For Consumers: BNPL rejection rates are
Slide 4: Underserved Americans lacking access to credit and BNPL
over over For personal use only 155 million 120 million Debit-First Americans who lack access to Americans with subprime credit scores credit and legacy BNPL. forced to use predatory options 26 million 21 million Legacy systems automatically decline Gig workers are locked out of fair income-qualifie
Slide 5: The Value Proposition: Platform's Bilateral Benefits
THE VALUE PROPOSITION THE PLATFORMS BILATERAL BENEFITS For personal use only Access, Not Debt. Decisioning based Net-New Customers by serving on instant cash-in/cash-out, not an CREDIT DECISIONING MERCHANT VALUE debit/cash users previously locked outdated FICO score. This fastracks CONSUMER VALUE ou
Slide 6: Flote Launch Roadmap
POC Launch Live demo and testing in Live production with For personal use only controlled environment. lighthouse merchants. Both Merchant and App App live in production platforms. scaling active users. FLOTE LAUNCH ROADMAP Q1 2026 May 2026 & Beyond Q4 April Market launch is planned for H1 2026 2025
Slide 7: Leveraging Our Track Record
LEVERAGING OUR TRACK RECORD For personal use only STRONG COMMERCIAL, CORPORATE AND TECHNOLOGY FOUNDATIONS HAVE BEEN DEVELOPED AUG SEP SEP OCT OCT 2H25 + 2026 SHIFT4 PAYMENTS ATTRACT TIER 1 INBOUND SPAC $8M EQUITY SPEEDWAY SUCCESSFUL PARTNERSHIP TALENT INTEREST CAPITAL RAISE MOTORSPORTS PILOTS (NYSE:
Slide 8: Flote, The Net-New Customer Solution
Flote, For personal use only The Net-New Customer The Solution Solution We are credit-score agnostic. Using Open Banking, Flote instantly makes decisions on real-time cash flow, replacing the outdated FICO model to unlock fair access based on a consumer's true financial standing. 8
Slide 9: Differentiating from U.S. BNPL Players
CAPTURING THE MARKET DIFFERENTIATING FROM U.S BNPL PLAYERS For personal use only FOR RS Seamless Integration: E SUM CON CESS) Suggests a lightweight payment (AC solution that is easily incorporated and universally Cash Flow accepted (online & in-store). Smoothing: Evokes financial stability, Brand-F
Slide 10: How It Works: Flote, A Smarter and Faster Decision
SHOP & SELECT APPROVE & PLAN The consumer chooses Flote's proprietary engine For personal use only Flote at checkout, or uses instantly analyzes real-time our mobile app to transact cash flow and presents a online or in-store anywhere responsible installment plan Mastercard is accepted. aligned with
Slide 11: Consumer Onboarding & Checkout Flow
CONSUMER ONBOARDING & CHECKOUT FLOW For personal use only SEAMLESS CONSUMER INTERFACE AND EXPERIENCE For consumers, Flote makes flexible payments effortless and free of predatory fees: fast sign-up, universal acceptance, and repayment that fits real-life cash flow without installment, interest or la
Slide 12: From FICO to Flote: The Open Banking Shift
FROM FICO TO FLOTE THE OPEN BANKING SHIFT For personal use only LEGACY BNPL (SEZZLE, KLARNA, ETC.) DECISION Open Banking / Real-Time Cash Flow Decisions Legacy Credit Scores / FICO-based Relies on outdated bureau data and soft credit-checks, MODEL Based on secure "money in, money out" analysis. auto
Slide 13: Barriers to Entry: The Flote Difference
Strategic Focus On Proprietary Compliance-First For personal use only The "Debit-First" Cash-Flow Engine Strategy Majority THE ENTRY: THE ENTRY: - A unique, - A "Cash Advance THE ENTRY: credit-score-agnostic Model" (aligned with - Laser-focus on the Barriers model analyzing CFPB low-risk 150M+indivi
Slide 14: The Opportunity: $1.8B Transaction Volume + Revenue
For personal use only $1.8b Transaction Volume + Revenue. The The Market Entry: Opportunity To Capitalize On The Underserved, Debit-First Majority 14
Slide 15: TAM, SAM and SOM
For personal use only $1.29 Trillion The full U.S. e-commerce market eligible for installment SOM SAM TAM $1.8-5.0 Billion The 24-month goal based on a conservative 1–3% capture rate of the Serviceable Market (SAM). $180 Billion Flote’s true focus: The massive unserved market of 150 Million+ debit/c
Slide 16: Consumer Financial Strain: Flote's Answers to Headwinds
Consumer Financial Strain For personal use only 47% of users, who spend over half their income on expenses, challenging repayment in the Flote’s current high-inflation, high-rate environment. Flote’s Decision on Real-Time Cash Flow, ensuring Answers to true affordability and reducing repayment risk.
Slide 17: Legacy Stalls, Flote Rises
Legacy Stalls, For personal use only Flote Rises Strategic The BNPL Market Shift Takeaway Legacy BNPL growth is stalling, evident in a 5-year CAGR drop from 20.3% to 8.5%. This is the result of affordability pressures, the legacy FICO system and increased competition. Flote’s cash-flow–based, fee-fr
Slide 18: Go-To-Market Strategy
For personal use only Flote’s dual b2b and b2c strategy is built to rapidly acquire merchants for scale and consumers for growth. Go-To- Our strategy rapidly solves the two-sided marketplace Market challenge by driving scale through partnerships and growth through merchant traffic conversion. Strate
Slide 19: B2B Acquisition: A Two-Pronged Approach
Ecosystem PARTNERS (SCALE) For personal use only 01 One-to-Many: Rapidly build reach by integrating with PSPs and e-commerce platforms, e.g., Shift4, Fiserv, Checkout, WooCommerce, Magento, etc. B2B (Merchant & Partner) DIRECT INTEGRATIONS (BRAND) 02 One-to-One: Secure high-value enterprise Acquisit
Slide 20: B2C Acquisition (Consumer)
For personal use only T CKOU CHE S B2C & CH ANT R E NES AWA RUST &T MER VEN (Consumer) DRI Acquisition B2B2C Conversion: Targeted Credibility: Acquire the 150m+ "debit-first" Convert the merchant's Focus Build trust with the majority by converting traffic at currently declined or "credit-invisible"
Slide 21: Moving Forward: Q1/Q2 2026 Market Launch
For personal use only MOVING Q1/Q2 2026 MARKET LAUNCH FORWARD Executing a disciplined, phased rollout to ensure a successful and scalable market entry. 21
Slide 22: Pillars for Growth in 2026
PILLARS FOR GROWTH IN 2026 For personal use only KEY LEVERS TO GENERATE OPERATIONAL AND CORPORATE MOMENTUM Ongoing Tier 1 Merchant Engagement NASDAQ & SPAC Corporate Opportunities and Tech Partnerships • Strengthen investor reach and digital presence to close the valuation gap with U.S domiciled pee
Slide 23: 2026 Strategic Priorities
2026 STRATEGIC PRIORITIES For personal use only A MILESTONE RICH YEAR AHEAD PRODUCT LAUNCH ACCELERATE TTV GROWTH • Once launched, prioritise customer and top line growth in the US but remain disciplined with credit loss management 1 • Scale active partners to 1.8 billion TTV over 24 month and priori
Slide 24: Flote 24-Month TTV Forecast
Flote 24-Month TTV Forecast For personal use only 5 $5.0B 24 Month 4 Modelling TTV (Billions $) 3 Flote forecasts $1.8B TTV in 24 months under a base case, 2 $1.8B with upside potential to $5B, based on capturing 1-3% SAM, 1 respectively. .5 0 0 6 12 18 24 Month 24
Slide 25: Bridging the Gap: OVT, Zip Co., Sezzle
BRIDGING THE GAP For personal use only OVT ZIP Co. Sezzle Inc. Base case modelling underpins a TTV Australian based competitor U.S Domiciled Competitor capitalised milestone of $1.8bn in 24 months capitalised at ~A$3.6b with A$13b TTV at US$1.8b with US$500M+ Revenue The blueprint for U.S markets ex
Slide 26: Our Executive Team and Board of Directors
For personal use only Our Executive Peter Maher Jacek Serafinski Barbara Aasma Shopoff Daniel Crisologo Team Of CEO SVP, Product & Badelt Ford General Counsel SVP, Merchant Ops Built & scaled Engineering SVP, Commercial Deep regulatory & Led payment strategy fintech/BNPL Built & scaled Global paymen
Slide 27: Disclaimers
DISCLAIMERS For personal use only Certain statements in this release are forward-looking statements. These statements are not historical facts but are based on Ovatni Limited’s’ current expectations, estimates, and projections about the industry in which it operates, as well as its beliefs and assum
Slide 28: Thank you.
For personal use only Thank you. enquiries@ovanti.com