Investor Presentaiton
The Harmoney business model maximises
customer lifetime value
Right customer
• Build reliable target customer model
through machine learning and high
quality first-party consumer data.
• Partner with large-scale platforms (e.g.
Google, Microsoft Ads, 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
customer acquisition cost (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
140% additional
originations over next 6yrs
H
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HARMONEY ©2023
New
customer
Harmoney
application
FY23 INVESTOR PRESENTATION
25 AUGUST 2023
Harmoney
loan
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