Inverite Insights Inc · CSE:INVR
Inverite Insights — Investor Presentation (March 2025)
25 slides from Inverite Insights's investor presentation, Mar 26, 2025
Slide 1: Open Banking AI Technology
Open Banking AI Technology Empowering lenders to unlock the credit potential of non-prime consumers Q1 2025
Slide 2: About Inverite Insights
About Inverite Insights A leader in AI-driven software specializing in real-time financial data for the credit economy. Our extensive database of 25B+ financial data points from 6M+ unique Canadian consumer transactions empowers businesses to transact more effectively and efficiently. Through our pr
Slide 3: The Problem
The Problem 90% Lenders face shrinking margins and increasing regulatory of North American lending demands. Outdated data processing methods hinder their decisions rely on ability to support non-prime and new-to-credit consumers, a TransUnion, Equifax, or significant market segment. Without timely,
Slide 4: The B2B Solutions
The B2B Solutions Empowering credit decisioning with AI-Driven Insights Inverite fuels its AI risk scoring with loan performance data acquired through lenders and partnerships. This data unveils personalized matrices based on individual interactions and behaviors to provide a comprehensive evaluatio
Slide 5: B2B Products for Lenders
B2B Products for Lenders* Financial Inclusion. Real-Time Data. Unparalleled Data Science Models. Instant Bank Verification Micro Check Confirms the customer's banking credentials in real- Allows all alternative loan requests and outcomes time, ensuring that bank account details are accurate from ind
Slide 6: ROI Powered by Inverite vs Traditional Decisioning
ROI Powered by Inverite vs Traditional Decisioning Traditional verification is slow, requiring multiple documents and steps, which increases drop-offs. Inverite enables customers to verify directly from their bank and ID in one seamless step—no paperwork or extra steps required. Efficiency Gains Fas
Slide 7: ROI Powered by Inverite vs Traditional Decisioning
ROI Powered by Inverite vs Traditional Decisioning Assuming 120,000 applicants annually Employees Average Review Time per Needed Application Payroll Costs Manual 16 @ $60k/annual 16.4 mins salary $950k Company Inverite Open 6 @ $60k/annual <6 mins $350k Banking Platform salary Reduction in Reduction
Slide 8: Case Study, Top Payday Lender in Canada
Case Study, Top Payday Lender in Canada Implementing Risk Score Automation Powered by Inverite Industry: Lending | Annual Applications: 180,000 | Annual Originations: $30 Million The Challenge The Solution Why Inverite? A top Canadian payday The lender partnered with After evaluating multiple lender
Slide 9: Case Study – Top Payday Lender in Canada: The Results
Case Study – Top Payday Lender in Canada 3 Months Prior 3 Months Post # Change Absolute The Results Automation Automation Change Default Rates by Count 4.6% 2.6% -44% -2.0% Default Rates by Amount 3.3% 1.8% -43% -1.4% # of Approved Loan 7,314 8,599 18% 1,285 Applications # of Loan Applications 35,96
Slide 10: Revenue Channels
Revenue Channels $ $ Current Future RMaaS Transactional Revenue Revenue Risk Score, Collections and Pay Wallet, Bank and ID/ KYC streamlining verification on adjudication and financial applications. collection systems. www.inveriteinsights.com
Slide 11: Competitive Positioning
Competitive Positioning Coverage in Canada Pricing $ $$$ $$$ $$ Risk Model as a Service YES NO NO NO Risk Score AI Adjudication YES YES NO YES Decision Score YES YES NO NO Pay Wallet (Debit Rails) Collections** YES NO NO NO Support for Neo Banks YES NO NO NO Support for Independent Lenders* YES NO N
Slide 12: Impact & Traction
Impact & Traction Inverite Transactions and Active Merchants & Reseller Accounts 500,000 450 450,000 400 400,000 350 25B+ 6m+ Unique 350,000 300 Data Points Customer 300,000 in Canada Transactions 250 250,000 in Canada 200 200,000 150 150,000 100,000 100 99% 286 50 Consumer Connected 50,000 coverage
Slide 13: Milestones and Achievements
Milestones and Achievements Q1 2024 Q2 2024 Q3 2024 Q4 2024 • Verification revenue up 36% • 4.5M+ unique customers • Verification revenue up 29% YoY. Operating expense transactions on Inverite.. • 5M+ unique customer YoY. Operating expense decreased 11% YoY. transactions on Inverite. decreased 11% Y
Slide 14: Capital Structure
Capital Structure March 26, 2025 CURRENT SHARES 222,397,362 OUTSTANDING CSE: INVR WARRANTS OUTSTANDING @ $0.11 Expiry Q1-Q3 2025 3,317,500 @$0.10 Expiry OTC:INVRF Q2-Q4 2025 5,887,500 Q1-Q4 2026 25,576,600 Q1-2027 4,682,000 FSE: 2V0 STOCK OPTIONS and RSU’s 19.632M INSIDERS SHARE OWNERSHIP 47.4% INSI
Slide 15: Thank you
Thank you Karim Nanji CEO karim.nanji@inverite.com Mike Marrandino EXECUTIVE CHAIRMAN mike.marrandino@inverite.com www.inveriteinsights.com
Slide 16: Team
Team Karim Nanji Estelle L’Heureux, CFA CEO, Director CFO Karim is a seasoned growth and tech leader, with over 25 years Estelle specialized in the financial technology and alternative lending space of experience in building and commercializing fintech solutions for nearly 15 years, with diverse bac
Slide 17: Directors & Advisors
Directors & Advisors Farhan Abbas Jason Wang, CFA Independent Director; Audit Committee Chair Advisor Mr. Abbas has significant entrepreneurial and financial services experience. Jason boasts extensive experience in senior risk, analytics, and compliance His early career included roles at RBC Capita
Slide 18: Disclaimer and Cautionary Statements
Disclaimer and Cautionary Statements This presentation (“Presentation”) provides an overview of Inverite Insights Inc. (the “Company” or “Inverite”), its subsidiaries and the industry in which it operates. It is for informational purposes only. This Presentation and any related oral presentation do
Slide 19: Appendix
Appendix A – Instant Bank Verify B – PDF Bank Statements C – KYC ID Verification D – Risk Score E – Micro Check F – Data Enrichment www.inveriteinsights.com
Slide 20: Instant Bank Verification
Instant Bank Verification Connecting Apps, People and Banks • Full Details: Obtain full account, transit, and institution numbers from 280+ Canadian banks. • Transaction History: Retrieve data from 280+ financial institutions. • Custom Reports: Flexible reporting options up to 365 days cater to vari
Slide 21: PDF Bank Statements
PDF Bank Statements Download original PDF bank statements from the top 12 institutions. Verify income and source of funds within seconds. Increase efficiency, no need to manually export bank statements, faxes or print- outs. Reduce Risk of issuing loans without proper analysis B www.inveriteinsights
Slide 22: KYC Age & ID Verification
KYC Age & ID Verification Reduce Fraud, Increase Sales • Fast ID & KYC Verification: Support for driver’s licenses, provincial IDs, and medical services cards. • Data Extraction: Quickly extracts essential customer data for efficient management and processing. • E-commerce Integration: Easily integr
Slide 23: Risk Score
Risk Score Enhanced Algorithms for Risk Analysis Data-Driven Decisions: Takes data 17 from millions of banking reports for Get Data Driven Insights into: precise, tailored business decisions. • Income Streamlined Underwriting: • Transaction categories Quickly access detailed • Loan and bill payment
Slide 24: Micro Check
Micro Check Enhanced Algorithms for Risk Analysis Risk Mitigation: Access to the exclusive Canadian Database of Non-Registered loans in comprehensive risk assessment. Customer Insights: Obtain real-time updates on borrowers’ personal information and loan statuses before and after the loan. Centraliz
Slide 25: Data Enrichment
Data Enrichment Improved risk management and data analysis for a safer, more efficient, and insight-driven operation. Instant Fraud Detection: Rapid identification of gaps and inconsistencies to defend against fraudulent activities. Visual Risk Breakdowns: Intuitive visualizations of key risk indica
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