Slide 1: Morgan Stanley Micro-Cap Conference Presentation
10 November 2016 MORGAN STANLEY MICRO-CAP CONFERENCE PRESENTATION zipMoney Limited (ASX:ZML) (zipMoney or Company) is pleased to release a new investor presentation, which the founders of zipMoney, Larry Diamond and Peter Gray, will be presenting today at the Morgan Stanley Micro-Cap Conference in S
Slide 2: A Better Way to Pay
TM A BETTER WAY TO PAY MORGAN STANLEY MICRO-CAP CONFERENCE | 10 NOVEMBER 2016 ZIPMONEY LIMITED (ASX: ZML)
Slide 3: Who is zipMoney and what do we do?
Who is zipMoney and what do we do? A leading, ‘next generation’ payments solution at check-out, delivering a better way to pay We offer point-of-sale credit and payment services at the digital checkout, online and in-store for enterprise and SMB merchants, targeting a $100bn market opportunity For
Slide 4: Innovation in the credit and payments industry
Innovation in the credit and payments industry zipMoney is disrupting the Australian market which is lagging behind highly successful offshore models Innovative model zipMoney recognised the market was changing and that there was a need for a new payments model that offered real-time benefits Custom
Slide 5: Our core product set
Our core product set zipMoney offers simple point-of-sale credit and payment solutions, with a strong focus on financial wellbeing Focus: Simple, fast and fair mobile credit payment and financial management solutions Who: Digital wallet (up to $1,000) that Digital wallet (up to $10,000) that A free
Slide 6: Market traction
Market traction zipMoney is now accepted as a payment option at over 3,000+ locations online and in-store ZIPMONEY LIMITED (ASX: ZML) MORGAN STANLEY MICRO-CAP CONFERENCE / 5
Slide 7: Understanding our revenue drivers
Understanding our revenue drivers Currently, zipMoney generates revenue from a mix of merchant and customer fees Charged on settled customer transactions (drawdowns). Merchant: % of transaction % of transaction Fixed transaction fee plus % of sale Services fee Customer: $0-99 Charged to customer
Slide 8: Pocketbook acquisition
Pocketbook acquisition Complements zipMoney’s strong focus on helping Australians achieve financial well-being zipMoney acquired Pocketbook in Sep FY16 and the integration has progressed well, with the Pocketbook team already moved into zipMoney’s office and providing valuable data analytics in cr
Slide 9: Data-driven organisation
Data-driven organisation Continuing to invest in zipMoney’s 100% owned proprietary fraud and credit risk decision technology Unlike traditional lenders, our decision Local participants zipMoney’s difference technology is highly adaptable, continuously ingesting new, non-traditional data sources to
Slide 10: Rapid growth expected to continue
Rapid growth expected to continue Strong start to the quarter, growth driven by successful strategy execution around zipPay & zipMoney Customers Revenue ($m) 78,000 2.9 63,333 2.7 34,011 1.3 15,164 0.8 10,034 0.4 Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Oct FY17 Q2 FY16 Q3 FY16 Q4 FY16 Q1 FY17 Oct FY17 Trans
Slide 11: Recent hires to support sales growth and data science capabilities
Recent hires to support sales growth and data science capabilities zipMoney is accelerating growth by making strategic hires across its platform zipMoney works on an operating leverage model, with our growing team producing increasingly John Gowland Tommy Mermelshtayn greater marginal benefits Hea
Slide 12: New securitisation facility $110m+
New securitisation facility Institutional funding facility enhances scalability and provides a strong competitive advantage Institutional debt funding in place… …potential to halve cost of loan $100m+ debt facility from Victory Park book with a new facility Capital, a specialist US-investment firm
Slide 13: Outlook
Outlook Continued investment in technology and sales capabilities should drive scalable growth Share price (cps) Volume (m) Investment in platform Sector expansion 100 6.0 Continued investment in Entry into A$15bn travel proprietary platform to and hospitality sector on enhance our decision engine t
Slide 14: Company overview
Company overview zipMoney is the premier ‘buy now, pay later’ fintech opportunity on the ASX Top shareholders % Board of Directors Larry Diamond (Managing Director / CEO) 26.5% Philip Crutchfield Chairman Peter Gray (Executive Director / COO) 8.7% Philip is a practising barrister and a former partne
Slide 15: Investor highlights
Investor highlights zipMoney provides Silicon Valley-style exposure to the rapidly growing fintech sector Significant first mover advantage in the digitised consumer finance space with a proven track record since founding in 2013 Year on year revenue growth of over 1,000%+ Valuable 100% owned
Slide 16: Disclaimer
Disclaimer The information contained in this presentation has been prepared by zipMoney Limited ACN 139 development timeframes and product distribution. Usability of zipMoney’s products depend upon 546 428 (Company).This presentation is not an offer, invitation, solicitation or other various factors