FINANCIAL INCLUSION

Safe, Efficient, Comprehensive

THE UTOPIA

In a perfect world, we would perfectly execute following solution.

Problems

Problem 1

Banks offer accounts to the unbankable

Problem 2

The underbanked remain without credit and use Hawalas for transfers relying on cash and overpaying

Problem 3

No intergrated system for financial inclusion

SOLUTIONS

Solution 1

Offer an integrated solution for financtial banking.

Solution 2

Use salary disbursment as anchor services

Solution 3

Cross sell, buy now pay later, remittance, and microfinance.

Product or Service

A prepaid card tied virtual account and an e-wallet and service that offers full financial financial inclusion : Salary Disbursement, Buy Now Pay later, Remittance, Overdraft, and Microfinance

Step - 1

Step - 2

Step - 3

Rollout of Products and Services

While the anchor product is payroll disbursement, it is not the most profitable product. However, it enables the cross selling and reduces the risks ?

Product or Service

Reason 1

Now is the time because the window of opportunity is closing as fintechs are signing up banks and telecom

Reason 2

Fintech is a profitbale sustainable business

INVESTMENT

Investment depends on:

COMPETITIVE ADVANTAGES

ADVANTAGE 1

Security with multibiometrics 3% AUM infraud prevention

ADVANTAGE 2

Comprehensive services on the same ecosystem

ADVANTAGE 3

Sanctum's closed loop system is cheaper than Visa/MC Schemes

ADVANTAGE 4

Our efficiency gives access to unbankable customers

Competitor Approach

PROPOSED

TIMELINE

STEP 1

Speak to Bank sand Telecom, strategic partner

STEP 2

Establish local entity sign contracts

STEP 3

Establish
infrastrcutre

STEP 4

Approach employers Start enrollment, disbursement ,BNPL, remittance, thenloans