every transaction is an opportunity
TRANSCRIPT
INVESTOR PRESENTATION
February 2021
Every Transaction is An Opportunity
The description of products and services, as well as the use cases, referenced in this document are intended as a demonstration of the capabilities of Mobi724 Global Solutions Inc. (the “Company”). The availability of
certain products, services and features will vary depending on services implementation and product enhancement requirements.
This summary contains forward-looking statements and forward-looking information within the meaning of certain securities legislations (“forward-looking statements”). Any statements that express or involve
discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, assumptions, potentials, future events or performance (often, but not always, using words or phrases such as “believes”,
“expects” or “does not expect”, “is expected”, “anticipates” or “does not anticipate”, or “intends” or stating that certain actions, events or results “may”, “could”, “would”, “might” or “will” be taken or achieved) are not
statements of historical fact, but are “forward-looking statements”. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or
achievements of Mobi724 Global Solutions Inc. (the “Company”), or developments in the Company’s business or in its industry, to differ materially from the anticipated results, performance, achievements or
developments expressed or implied by such forward-looking statements. Forward-looking statements include disclosure regarding possible events, conditions or results of operations that are based on assumptions
about future conditions, courses of action and consequences.
Forward-looking statements may also include, without limitation, any statement relating to future events, conditions or circumstances. The Company cautions you not to place undue reliance upon any such forward-
looking statements, which speak only as of the date they are made. Forward-looking statements relate to, among other things, the successful commercialization of our technology, comments about potential future
revenues, joint development agreements and expectations of signed contracts with customers etc. A variety of inherent risks, uncertainties and factors, many of which are beyond the Company’s control, affect the
operations, performance and results of the Company and its business, and could cause actual results to differ materially from current expectations of estimated or anticipated events or results. Some of these risks and
uncertainties include the risk of not securing required capital in future, the risks of not successfully concluding agreements with potential partners on a timely basis, the risks associated with commercializing and
bringing to market the Company’s technology. These risks are affected by numerous factors beyond the Company's control: the existence of present and possible future government regulation, the significant and
increasing competition that exists in the Company's business sector, uncertainty of revenues, markets and profitability, as well as those other factors discussed in this summary presentation. This list is not exhaustive of
the factors that may affect any of the Company’s forward-looking statements.
Although the Company has attempted to identify important factors that could cause actual results to differ materially from those contained in forward-looking statements, there may be other factors that cause results
not to be as anticipated, estimated or intended. There can be no assurance that such statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such
statements. Accordingly, readers should not place undue reliance on forward-looking statements. The Company does not undertake to update any forward-looking statements that are incorporated by reference herein,
except in accordance with applicable securities law.
LEGAL DISCLAIMER & FORWARD LOOKING STATEMENTS
MOBI724 GLOBAL SOLUTIONS
VisionTo add a layer of actionable intelligence to every payment
transaction. For Mobi724, Every Transaction is An Opportunity
MissionTo enable personalized and profitable consumer experiences
beyond transactions. Generating incremental commercial
opportunities for merchants and banks.
4
MOBI724 FACT SHEET
Industry: Fintech / AI / Transaction-Driven Marketing
• Head office – Montreal, Canada
• Listed on Toronto TSX Venture Exchange / TSX-V: MOS
• Audited by Grant Thornton
• Operations hub – Buenos Aires, Argentina
• Subsidiary in Mexico City, Mexico
Management / Co-founders: Decades of entrepreneurial and executive expertise in payments, technology, finance (M&A), rewards & data monetization with blue-chip global brands
CLIENTS / INTEGRATIONS / PARTNERSMobi724’s data analytics enable retailers & card issuers to track consumer transactions intelligently by allowing
insights that drive sales & improve interactions with clients
5
ADDRESSING INEFFICIENCIES IN PAYMENT & ADVERTIZING MARKETS
Card issuers do not extract full value from purchase history
• Lost sales opportunities –unrealized revenues
• Poor consumer experience – loss of market share
Merchants’ poor ability to access & use consumer insights
• Decreasing loyalty
• Lost sales opportunities
• Inefficient
Consumers’ lack of access to easy redemptions & relevant offers
• Unused rewards points
• Unable to benefit from saving opportunities
Lack of transparency & performance in advertizing
• ½ of digital marketing spend is absorbed by middlemen
• 1/3 of the fees advertisers pay cannot be traced
6
MULTIPLE FRICTION POINTS IN EXISTING MARKET SOLUTIONS
Card issuers use antiquated reward catalogues
• Limited to one data base
• Do not generate sufficient incentive to drive a full shift to digital payments
• Do not capture potential & incremental ad revenues
Merchants offer non-targeted discounts
• Inefficient usage of marketing budget
• Lack of access to interested & larger clients-base
Consumers need to search for offers / complex redemption process
• Poor consumer experience
• Lack of engagement
• Unrealized spend
Offer providers use multiple & inefficient channels
• Sub-optimal ROI on advertizing / marketing budgets
7
Monetizing purchase history
• Bridging consumers, merchants, banks and payment operators via purpose-driven marketing
Actionable insights
• Identifying purchase patterns using AI
• Driving revenues by relevant offers in real-time
• Providing efficient and risk-free transparent advertising
MOBI724’S SOLUTION: CONVERGING PAYMENTS, ADVERTIZING & OFFER ENABLEMENT – DELIVERING ACTIONABLE INTELLIGENCE
In any digital payment transaction, there is/are:
• A buyer / cardholder
• A merchant
• A card issuing bank
• Payment processing parties
• Purchase history
• Merchant’s interests
• Bank's business objectives
Enabling the best digital consumer experience
• Real-time processing
• Connectivity to any transaction source
• Omnichannel communication
8
Using AI to quantify the probabilities of purchase behavior for efficient offer targeting & in full compliance
with consumer privacy requirements
LEVERAGING TRANSACTIONAL DATA
9
REAL-TIME BEHAVIOUR DRIVEN OFFERS / HOW IT WORKS
1. A customer makes a purchase / transaction
• At any merchant: local or abroad
• At their favorite e-commerce sites
• Using their credit, debit, prepaid cards
• Using their mobile app or wallet (non-bank issuer)
2. Transaction received; data analyzed; rules / engagement solutions are applied
• Cash-back
• Pay with Points
• Points for Value (Replacing Physical Gift Cards)
• Pay with Installments Notification
• Points-based loyalty
• AI-powered Data Analytics
3. Cash-back / points payment are processed; statement credit issued; points balance adjusted
• Statement credits through API and/or settlement files
• Connectivity to our own Points Bank or to clients’ existing points bank system
4. Notification sent via SMS / email / push. Cross-promotions –advertising opportunity
• AI product analyzes past purchases to deliver the next best offer for each customer
• Communications are sent based on customer preferences
For each transaction, the platform can apply more than one solution, e.g., a single transaction could be both a cash-back & a points-based event
10
VALUE PROPOSITION – A GATEWAY TO MORE TRANSACTIONSGENERATING BENEFITS FOR ALL STAKEHOLDERS
Payment Card Issuers
• Incremental revenue streams
• Decreasing costs of rewards enablement
• Funding cardholder rewards through merchant-driven network
• Postioning issuer's payment cards at the "Top-of-Wallet"
Merchants
• Incremental sales
• Seamless on-boarding
• Increased ROI on marketing $$
• Risk-free – pay per performance
• Full auditability on marketing spent
Cardholders
• Personalized benefits
• Immediate gratification
• Seamless offers redemption
• Surprise & delight experience
• Increased purchasing power
• We enable transaction-driven customer engagement solutions through qualified transactions
• We qualify transactions using our Artificial Intelligence capabilities (right offer / right time/ right customer)
• We identify transactions in real time, through connectivity to payment networks & transaction providers (POS, Mobile Apps,
PSP, etc.)
• We operate on behalf of issuers & customers (via authorization / consent) white label
• We provide operational support for the programs built for our clients
• We work on finding innovative ways for Mobi724 and our clients to monetize purchase data
• Our solutions are designed to enhance banks and retailers’ program KPIs
IN SUMMARY
• Implementation & set-up
• Monthly licensing (recurring)
• Per-transaction (recurring)
• Commissions (e.g.: Points for Travel)
• Pricing & fees may vary depending on the size of
cards in portfolio & other factors.
• Merchant pays advertiser fee as a percentage of the value of
purchases made through Mobi724’s offer sourcing
• The advertiser fee is shared with banks and/ or payment
networks
STRUCTURE MERCHANT-FUNDED CASHBACK
BUSINESS MODEL
COMPETITION OVERVIEWMOBI724’S UNIQUE APPROACH & MARKET-READY SOLUTION
• Banks’ in-house-built cardholder engagement solutions
• Engagement solutions providers for banks
• Rewards catalogues, discount clubs
• Conventional advertising media
Plagued by inefficiencies, fragmented digital payment
landscape & limited access to relevant consumer
segments
• Enabling actionable intelligence & seamless offer redemption
channels for card-issuers, payment networks & merchants
• Creating an ecosystem which benefits all stakeholders,
replacing competition with a win-win business environment
• Consolidating an AI-driven card-linked offers & rewards
network across Latin America
• Real-time connectivity to multiple transaction providers
across the region, targeting 80%+ coverage
COMPETITION SEGMENTS IN LATIN AMERICA
MOBI724 VISION
https://www.bis.org/publ/qtrpdf/r_qt2012f.pdf
14
TARGETED MARKET
LATIN AMERICA
15
MARKET SIZE IN LATIN AMERICA & THE REGIONAL OPPORTUNITY
• 935 million payment cards
• US$888.5B annual spend
• 650+ payment card issuing banks
• 24.3 billion transactions annually
• US$23B+ (estimated) spend on advertising in 2020
• Massive upside for organic growth driven by conversion
of cash to digital format
• Present in Argentina, Central America, Mexico, Colombia
• Co-marketing agreement with Visa LAC & integration to Visa
Offers Platform
• Alliance with VisaNet Guatemala for Central America
• Travel offering through Despegar (largest platform in LatAm)
• Ability to integrate to any network, card issuer & cross-border
• AI-enhanced predictive analytics tested on 2.4 B transactions
• Partnerships / integrations / agreements with blue-chip brands
PAYMENT CARDS & ADVERTIZING MARKET
MOBI724’S ADVANTAGE
https://www.statista.com/statistics/477804/online-shopping-cart-abandonment-rate-worldwide/
https://felaban.s3-us-west-2.amazonaws.com/publicaciones/VI%20Reporte%20Inclusi%C3%B3n%20Financiera%202020.pdf
Minsait / medios de pago 2019
16
EVOLVING VISA RELATIONSHIP IN LATIN AMERICA
• Integration into the Visa Offers Platform to USA-based main payment switch
• Enabled visibility on Visa payment cards transactions in over 25 countries
VISA OFFERS PLATFORM
INTEGRATION AGREEMENT
• Active participation & support from Visa teams in Latin America
CO-MARKETING AGREEMENT
• Multiple initiatives in process across Latin America
PRESENT STATUS
17
BECOME THE LARGEST AGGREGATOR OF
AI-DRIVEN CARD-LINKED OFFERS & REWARDS
• Leading AI-Powered sales generator for retailers
• The premier choice of pay-per-performance advertising
for retailers vs. social media channels & conventional
mediums such as TV – Radio
• The preferred partner of banks for data monetization,
enhancing commerce between cardholders & retailers as
an incremental P&L
COVID-19 accelerated the shift from cash to digital,
stressing marketing budgets & empowering price-
sensitive consumers
OBJECTIVES
• Market penetration in some of the largest countries in Latin
America established via partnerships & integrations
• Agreements with payment card issuing banks
• Multiple business developments in process across Latin
America
• Support of Canadian & Quebec Diplomatic Trade Missions
• Coverage provided throughout Latin America via Mobi724’s
operations and sales hubs in Argentina & Mexico and an
extensive partnership network in the region
CURRENT STATUS
CAPITALIZATION
• 245.2 M – Common stock
• 18.7 M – Stock options
• 30.2 M – Warrants
• 26.0 M – Convertible debt
• 320.1 M – Fully diluted outstanding
• 23.0 M – Marcel Vienneau CEO
• 36.0 M – Other management & board
• 59.0 M (24.1%) – Insiders total
• 42.1 M (17.2%)-Institutional holders
• 144.1 M (58.7%) - Public float
TOTAL STOCK OWNERSHIP FINANCIAL PARTNERS
Cap table data as of February 22nd, 2021
MANAGEMENT &THE BOARD
MANAGEMENT
Marcel Vienneau, CEO/ Director
▪ 20+ years of experience in loyalty, mobile payments & payment industries
▪ “Top 10 Entrepreneur”, Entrepreneurship Foundation Quebec / MIT Sloan EDP
Formerly
▪ CEO FideliSoft, Loyalty solutions company
▪ VP Loyalty Solutions, Cognicase ($500M+ IT company)
▪ Founder of La Professionnelle (exited to Cognicase (TSX:COG); later exited to CGI
(TSX:CGI)
▪ Independent director, CMA (10 years) & CPA (3+ years)
▪ BBA, Université de Moncton
▪ EDP, MIT (Massachusetts Institute of Technology) Sloan Management
Allan Rosenhek, CFO/ Director
▪ 25+ years of experience in setting up organizations focused on sales and delivery
Formerly
▪ Ericsson, Head Multimedia & Systems Integration sales for Latin America
▪ Executed several successful platform deployments globally over a 16-year career
at Ericsson, covering Asia, Europe, Middle East, Africa, Latin America
▪ Computers and Communications Engineer with a M.Sc. in Telecom
Marcel Vienneau - CEO/ Director Johnny Hawa - COO
MANAGEMENT
David Beauchemin, CTO
▪ 25+ years of experience in software development, sales & marketing in the loyalty
& mobile industry
Formerly
▪ Technology consultant for Rona, TD Bank, National Bank of Canada, Meloche
Monnex, Lockheed Martin and CGI
▪ Co-founder and VP, IQ 7/24
▪ Director of Consulting Services, CGI Group
▪ VP Technology and Innovation, Affilia Solutions
▪ Senior Partner, Myriap Inc.
▪ Partner, Objectimum Inc.
Johnny Hawa, COO
▪ 6+ years experience in finance and accounting
Formerly
▪ Controller, Mobi724
▪ Assistant controller, Orbit Technologies
▪ Senior accountant
▪ Post-grad of UQAM (Université du Québec à Montréal)
David Beauchemin - CTO Mathieu Laurin (CPA, CGA) - CFO
BOARD
Marcel Vienneau, CEO/ Director
Committee
▪ 30+ years in finance, including executive roles
Formerly
▪ Special Advisor, Canadian Space Agency (CSA)
▪ CFO, Canadian Space Agency (CSA)
▪ Director CPA Canada & CMA Canada
▪ Member of Audit Committee of CPA & Due Diligence Committee of CMA
▪ CFO, CHUM
▪ Director of Finance and Administration, Transportation Safety Board of Canada
Allan Rosenhek, CFO/ Director
▪ 30+ years in securities in executive roles
▪ SVP, Personal Customers, Laurentian Bank
Formerly
▪ SVP & Head of Private Client Services; SVP full-service brokerage, Desjardins
▪ Chairman, Desjardins Investment Management
▪ SVP & Regional Manger, TD Waterhouse
▪ Management & Sales, Fidelity
▪ Board of Directors, QTrade
▪ Board of Directors, IIROC
Jacques Côté (FCPA/FCMA) - Chairman of Audit Committee
Vincent Hogue - Chairman
BOARD
Marcel Vienneau, CEO/ Director
▪ 20+ years of executive roles in high-growth multi-million-dollar companies
Formerly
▪ Board Member, GGI International
▪ Partner and Co-Founder, Groupe W
▪ Board Member, Sonifi (formerly LodgeNet)
▪ Vice Chairman of the Board, Global Eagle Entertainment (NASDAQ: ENT)
▪ Executive Chairman, President, CEO of DTI Software
▪ CEO, COO Advanced Inflight Alliance AG
Allan Rosenhek, CFO/ Director
▪ Founder of a boutique investment bank (RCI), medium size transactions
Formerly
▪ Key senior management positions in Glentel Inc. (exited to BCE)
▪ President & CEO of KnowledgeWhere Inc. (exited to Liberty Media)
▪ Strategist for TELUS Mobility
▪ Co-founder of Enstream (mobile commerce)
▪ Lead Bell Mobility Investments, venture capital arm of BCE
▪ M.B.A., Richard Ivey School of Business & LL.B, University of Manitoba
▪ Practiced with Simkin Gallagher & Ladner Downs (Borden Ladner Gervais), M&A &
Tax
Louis Bélanger Martin - Director Allan Rosenhek - Director
