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Investor Presentaiton

Big Data Optimizes Credit Scoring ■To support the credit scoring system, the Group founded a dedicated technology company, Personal Big Data Oy, for the purposes of further researching and developing the credit scoring technology ■ Credit assessment based on up to 10,000 data points Proprietary and self-learning algorithms based on 10 years of experience ■ Fast and reliable risk assessment through the use of Big Data technology Browser type beoo Social Networks to Ferratum Ferratum™ More than money to everyone Geographic Data fin Browsing behaviour Financial Data Incl. account data via balancion ferratum 16

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