#1Revolut personal money cloud Nikolay Storonsky +44 7807 212181 [email protected]#2Problem Spending and sending money abroad sucks 9 Expensive Travelex Inconvenient WESTERN UNION ON MONEY TRANSFER Sneaky CREDIT CARD This industry is not disrupted yet. 0123 4567 890 CARDHOLDER WAY#3Market Size Cross-currency transactions $1,4 Trillion Lost due to fees & spreads $60 Bln UK is initial target market: $3bln market size & 60mln travelers iii Travellers & Expats 1.5 Bin+#4Solution Exchange GBP EUR 1 7 음 Exchange - 200 +236.72 3 6 0 M www Send A Ho dan Spend £2,84948 1-minute explanatory video https://revolut.com J +C200 en Mona 123mm, 12:21. Pancing ***#5Business model Freemium HOUERS ED Ma £0 Use Revolut for Free Nountil you top up 1000. e Viral Cancel 19:23 AM Current Plan * Invita Friends to İncesase Free Liest BASIC PRO £1 £10 ⠀ free currency exchange & money transfers up to £500 you need more, invite friends or choose one of the pricing plans download the app, receive money instantly & get rewarded#6Marketing Early Adopters (80k+) TECH CITY 3BEARDS > Events (Im+) APAB WORLD FEST 1737 MA AUKA Chematlich and Partnerships (10m+) Booking.com Expedia® KAYAK Hacks (?) TOP SECRET Initially, we target London Tech City with 80k members through start-up communities.#7Competition Old Players BANK Currency Exchangel Difficult & expensive Use cases FairFX worldremit. WeSwap Example of use cases: I go to US. Cash is inconvenient, cards are costly. I want to send $ instantly without complicated IBANS. I want to have Euros without Euro bank account. I want to exchange money instantly, not in 1-3 days. I want to transfer at the exchange rate that is now. Start-ups Revolut Easy & cost-effective Revolut WeSwap worldremit. FairFX The only product that solves the full cycle of a customer pain.#8Why we are better Interbank Rates EXCHANGE Easy-To-Use Freemium Model ED Ha formimi Har Premi A Own Infrastructure €9 Viral Features Patent Pending MA#9Traction K MasterCard OPTIMAL BARCLAYS COME JOIN US AT FINOVATE EUROPE 2015 4.8k pre-product subscribers within one month 9 deals including MasterCard for implementation Finalist at Finovate Europe#10Projections & Our Ask KEY SUMMARY DATA Newly Acquired Customers Total Number of Customers Paying Customers Average Annual Top-Up GROSS REVENUES: Use Non-Use of Card 1. Interchange Revenue 2. Subscription Revenue Total Revenues Transaction Costs: 1. Transaction Costs 2. ATM Costs 3. Load Costs 4. Foreign Exchange Costs 5. Bank out Costs 6. Settlement Costs Total Direct Costs Gross Profit Total Operating Expenses User Acquisition Expenses Net Profit (Loss) Year 1 20,000 20,000 5,000 £5,000 £60,000 £60,000 £64,000 £10,000 £240,000 £7,650 Year 2 40,000 60,000 18,000 £5,000 £90,000 £600,000 £690,000 £2,430,000 Year 2 £270,000 £2,160,000 £180,000 €180,000 £252,000 £30,000 £720,000 £7,650 E461,650 £1,369,650 -£321.650 €228.350 €1,060,350 £250,000 £500,000 £550,000 £1,100,000 £300,000 -€39,650 Year 3 80,000 140,000 42,000 £5,000 Year 3 £630,000 £5,040,000 €5,670,000 £10,530,000 £420,000 £420,000 £588,000 £70,000 £720,000 £2,225,650 £3,444,350 Year 4 120,000 260,000 78,000 £5,000 £1,000,000 £2,200,000 £1,200,000 £1,244,350 Year 4 £1,170,000 £9,360,000 £420,000 €780,000 £1,092,000 £130,000 £720,000 £3,149,650 160,000 420,000 126,000 £5,000 Year 4 £1,890,000 E15,120,000 €17,010,000 £420,000 £1,260,000 £1,764,000 £210,000 £720.000 £4,381,650 £7,380,350 €12,828,350 £2,000,000 £3,800,000 £1,800,000 €3,580,350 £2,000,000 £4,400,000 £2,400,000 £8,228,350 We need £1.5m to make it happen.#11S Use of funds Build a Team (3 developers, designer & marketer) Fund Freemium model to 60,000 MAU's Prepare model for a big £££ series A round