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Investor Presentaiton

Embedded Finance (EmFi) is growing, and it is projected to be the mainstream financial service in the next 10 years • • Worldwide value of venture capital investments in EmFi exceeded $4 billion in September 2021. • Global opportunity for EmFi is estimated to reach $7 trillion in the next 10 years. EmFi is currently worth $3.5 trillion in the global retail sector. • The retail sector will account for 49% of the EmFi market within the next 10 years. • The Buy-Now-Pay-Later (BNPL) scheme another form of EmFi, is becoming the most common e-commerce • payment method in most countries. Mastercard and Visa are integrating BNPL into their products and South African companies are also incorporating BNPL into their offering. stripe Robinhood SoFi Revolut VISA MasterCard Source: Journal of Internet and Digital Economics 2022, Businesslive article 2022 Sensitivity: Public
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