Post on 21-Feb-2017
INVESTOR
US $40 average balance
Earns 0% interest
Pays maintenance/minimum balance fees
Great and ample credit history
Payroll loan interest rate 21%
Owns his house
Credit card interest rate 40% +
8 years at current employment
BORROWER
Withdrawal and annual fees
People can’t invest in reaching their potential
due to lack of good funding options
People can’t keep up with inflation nor increase their liquid wealth due to lack of
good saving options
SAVINGS
CDs
REFERENCE RATE (CETES)
0.8%
2.7%
3.0%
67%
33%
SAVINGS
CDs
Gross return, before fees. Average minimum amount on interest yielding accounts, US$720Average monthly fee for balances below minimum, US$14.3Source: Condusef, CNBV, Banxico.
INTEREST RATESMARKET SIZE
SAVINGS
EXP. 2015 INFLATION 3.3%
100% = US$ 216 billions
LOANS
38.5%
25.2%
37.7%
PERSONAL LOANS
PAYROLL LOANS
CREDIT CARDS
INTEREST RATES
PAYROLL LOANS26.6%
CREDIT CARDS50.9%
PERSONAL LOANS22.5%
Gross interest rates, before withdrawal and annual fees. Source: Condusef, CNBV, Banxico.
INDIVIDUAL LOANS MARKET SIZE
100% = US$ 39 billions
TE DAMOS TU MERECIDO WE GIVE YOU WHAT YOU DESERVE
UNNECESSARY COSTS
POORLY DIFFERENTIATED PRICES
DECEITFUL SCHEMES
DIRECT BANKINGGROWTH HACKING MARKETING
RISK ADJUSTED PRICING
HONESTY
PROBLEMS TO OVERCOME
HUMAN CENTERED DESIGNBORDENSOME PROCESSES
TO ALL OF OUR CLIENTS TO OUR SAVERS
TO OUR BORROWERS
Saving interest rate of Cetex from $1.
Interest rates up to 2.5 x Cetes in CDs.
Best rates for the best profiles (no cross-subsidization).
Average savings of 30% compared to regular rates.
No fees, no surprises.
Web exclusive operations.
Human centered design process.
Highest information security standards
OUR VALUE PROPOSITION
PEOPLESTRATEGY
SYSTEMSGROWTH HACKING TACTICS
Cryptology State of the art web and
scoring systems. Highest transaction and
information security tools. Simple and reliable
processes
4 years of regulatory transformation.
Poorly and inefficiently served market.
High entry barriers due to regulation.
One of the world’s highest profitable financial markets
A UNIQUE MODEL
Great management team. Strong shareholders group. Solid corporate
governance.
Social network based marketing.
Incentives for client references.
Fun and educating marketing campaigns.
We dream with a world of happy kids, thriving youngsters, successful
adults and dignified elderly.
Through delivery of efficient and honest financial services, we
contribute to achieve just that.