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Investor Presentaiton

• • Millennials are the dominant users of EmFi Dominant age group 55 Dominant gender 70 70 70% 50 45 60 40 50 35 30 40 52% 25 30 20 17% 15 20 10 10 4% 4% 4% 5 0% 0 0 18-25 yrs 26-35 yrs 36-45 yrs 46-55 yrs 56-65 yrs Above 65 yrs Female The dominant age is the 26 to 35 years followed by the 36 to 45 years. This is attributed to the high mobile internet user penetration within that age group. There is also high demand for financial products and service and millennials have the means to access financial solutions. • This age group is also more willing to take risks and try new things. Sensitivity: Public 26% 22% Male Not sure The dominant gender using embedded finance is female. The results are attributed to most providers targeting women. First time male users are mostly because of curiosity.
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