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Investor Presentaiton

Consumer perspective: Key barriers to financial inclusion Access Barriers Usage Barriers Barrier Severity Discussion Barrier Severity Discussion Need to travel > 60 minutes to nearest Bank, ATM, supermarket; Too complex: 69% Proximity High Capability High Severe connectivity limitations hamper financial infrastructure Hassle High Factor Reliability High Cannot understand: 71% Complex language: 67% - 3.5 4 hrs bank queue; difficulty claiming insurance History of financial shocks resulting in loss of funds, limited trust in insurance claims Eligibility Medium 23% of Congolese do not have access to an electors card, the primary identity document. Other forms of documents are owned by <10% of adults. Trust High 60% are unaware of mobile Awareness Medium 60% are unaware of insurance Transaction cost limited barrier compared to others Cost Low High degree of need exists Need Low Source: Authors own calculations based on FinScope and qualitative interviews 2015

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