FY22 Investor Presentation
The Harmoney business model maximises
customer lifetime value
Right customer
• Build reliable target consumer model
through machine learning and high
quality first-party consumer data.
• Partner with large-scale platforms
(e.g. Google, LinkedIn, Facebook) to
implement cost-effective customer
acquisition channels.
• Use direct relationship and customer
segment fit to devise and offer new
products and services.
Great experience
• First-class customer experience
creates annuity revenue as
•
customers return with minimal cost of
acquisition (CAC).
Highly automated simple and
streamlined 100% online process.
Massive scale
Exploit tech to build scale, speed,
and automation to decouple costs
from growth.
Start next big thing
130% additional
originations over next 5 yrs
H
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FY22 INVESTOR PRESENTATION
31 AUGUST 2022
Harmoney
loan
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