Investor Presentaiton

Covid has accelerated digitization in lending Digital platforms likely to become even more natural choice for consumers 1.5x conversion rates & instant disbursal leading to better customer experience Application Completed KYC Underwriting Repayment & verification Contracting Central KYC Registry • Aadhaar OTP/Biometric eKYC Pre-approved basis Bank relationship . Credit Report Info • Aadhaar XML OKYC • Using Bank Statement Video KYC • AA Ecosystem based NACH eMandate • UPI eMandate Verification via alt. sources Lat-Long Bureau Data -555 Loan Disbursed eAgreement using Aadhaar eSign OTP based • Capture Timestamp /IP/Lat Long Initiatives like Account Aggregator, CKYC will further strengthen digitization 28

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