we empower canadians to build great credit using proprietary … · 2020-05-16 · daniel mcclure,...

Q2 2020

mymarble.ca | [email protected]

CSE: MRBL; OTCQB: MRBLF

We empower Canadiansto build great credit using proprietary technology solutions

1 | STRICTLY CONFIDENTIAL NOT FOR DISTRIBUTION

What does Marble do?

2 |

Marble is a financial technology

company that empowers credit-

challenged Canadians, to achieve

financial wellness.

Smart and sustainable solutions to underserved consumers with poor credit

A trusted fintech provider for businesses to maximize their customers credit profile

A data science company that utilizes valuable data for the future of successful finance

STRICTLY CONFIDENTIAL NOT FOR DISTRIBUTION


Source: https://www.forbes.com/sites/willyakowicz/2019/10/28/the-underbanked-is-the-next-trillion-dollar-opportunity-in-fintech/#101816554d58

“The ‘Underbanked’ Is The Next Trillion-Dollar Opportunity in Fintech”

https://www.forbes.com/sites/willyakowicz/2019/10/28/the-underbanked-is-the-next-trillion-dollar-opportunity-in-fintech/


The Underbanked….Marble’s Customers

POOR CREDIT SCORE RESULTS IN RESTRICTED

FINANCIAL WELLNESS

LACK OF FINANCIALLITERACY & EDUCATION

Insufficient access to mainstream financial

services

Unable to access mainstream credit

services

Strong reliance on non-traditional forms of CREDIT, such as

payday loans

12MCanadians arebelow prime

The Marble ecosystem


The Marble Opportunity

28.4MCanadians have an active credit profile

33%Are underbanked, below prime consumers

with poor credit scores below 600

Acquired in Feb 2020 for

$5.3Bby

Acquired in Feb 2020 for

$7.1Bby

137kFiled for insolvency

in 2019

The ONLY company in Canada targeting this segment33% (12M) Underbanked

137k Insolvencies filed per year


Proprietary SaaS software, finance and credit

management platform.

The Solution: The Underbanked Now Have Marble!Innovative, structured credit products.

• Secured Credit Card Program co-branded with one of Canada’s Top 5 Banks.

• Qualified credit rebuilding process.

• Customer and data acquisition tool

• Proprietary diagnostic financial assessment tool.

• Filters out insolvent consumers and recommends debt re-structuring solutions.

Prescriptive Artificial Intelligence and

algorithms.

Data aggregation to offer additional products

and services.

1 2 4

• Discharges the Consumer’s insolvency

• Rebuilds consumers credit up to 50% faster than traditional methods.

• Introduction back into mainstream economy

Direct to consumers and Industry Partners.

3

The Marble ecosystem

Outside Vendors

Underbanked consumer leads generated from partners and existing Marble products.

Marble’s decision matrix and Salesforce determines the proper lead classification to predict the right product fit

Exiting or graduate Marble customers can be re-added to the funnel as they can qualify for other Marble products

1

2 3

TRUSTEES


The Marble Ecosystem

z

Target Score SimulatorProvides the fastest most economical way to

achieve a desired creditor score.

Money SimulatorProvides advice on the distribution of available cashflow and funds to achieve a higher score.

Manual SimulatorAllows for changing incorrect reporting

information, paying down balances, raising credit limits changing the status on

accounts, either individually or grouped to determine score outcome.

Credit Monitoring & AlertsProvide monthly reports and scores to

maintain and recover valuable credit points lost due to missing information and/or errors.

Errors & OmissionsHighlights information on a credit report that has

been omitted and/or reported inaccurately.

Credit Education & Financial Literacy Provides 24/7 access to educational material.

Financial Analysis and BudgetingProvides budgeting tools ad cashflow

analysis to assist in money management.

24/7 Easy Access to your Credit Reports and Scores

1

Analyzed Credit Data and Scores2

Interactive Financial Budget Programs and Tools3

Alerts & Notifications4

ID Theft Assistance & Recovery5

Comprehensive Credit Advice, Credit Laws, Credit Education & Testing6

Team of Specialist to assist in your Credit and Financial decisions7

Recommendations on the best day to have your credit reviewed for financing

8

Score-Up’s Finance and Credit Management Platform


How Does Score-Up Factor in theCredit Building Landscape?

More Customer Insights

Less Customer Insights

High Improvement

Recommendations based on traditional assumptions.

Lack of budgeting support

Lack of reporting

Data enriched AI diagnostics.

Revolutionary credit building payment options.

Data driven advice to accelerate credit building.

10 |

Advantages forMarble:

1

2

3


Low Improvement

Barriers to entry for the competition:

1

2

3

How does Score-Up Size Up


24/7 access to credit score

Basic credit monitoring

Credit score alerts

Basic credit recommendation

ID theft assistance & recovery

Credit educational materials

Advanced AI personal credit

data recommendations

Target credit score simulator

Financial analysis and budgeting

Credit report error and omissions

Why Should Industry and Consumers Choose Score-Up?

1DATADRIVEN

Proprietary analysis of credit report provides a

prescriptive path to increase credit score.

2COMPREHENSIVE

ADVICE

Provides unique real-time recommendations for positive

impact on credit score.

3GUARANTEED

RESULTS

Proprietary software in tandem with unique credit

rebuilding strategies guarantees

increased credit scores.


How Score-Up fits in the operation cycle


Identifies Leads in a

Consumer Proposal

Identifies who would benefit from

a secured credit card

Identifies who wouldbenefit from a secured credit card

Leads

How Marble Achieves Growth

14 |

1EXPAND NEW

VERTICALS

2INCREASE

MARKETING PARTNERS

3INCREASE LEAD GENERATION FROM BOTH EXISTING & NEW PARTNERS

4NEW PRODUCTSAND SERVICES


Alchemy for growth

15 |

Gro

wth

Machine LearningData ScienceData AggregationArtificial Intelligence

Technology and Business Model Innovation

HORIZON 1

Disruptive Innovation

HORIZON 2

HORIZON 3

250,000

16 |

Marble Ecosystem & User Growth


2019 2020e 2021e 2022e 2023e

1,200,000

0

600,000

0

50,000

MyMarble Lite Users

200,000

Mass data accumulation through the offering of lite features "Free Credit Score" and "Free Budgeting App"

lite

100,000

150,000

200,000

300,000

1,000,000

800,000

400,000

My Marble Pro Users

250K

152K

58K

13K

1K

Revenue driving option that includes the upsell of Score-Up, Fast-Track, Credit-Beacon, and Credit Meds

pro

17 |

Annual New Users

Dec 20190

Dec 2020e Dec 2021e Dec 2022e Dec 2023e


100,000

200,000

300,000

400,000

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

900,000

1,000,000

Cumulative User Base

Cumulative U

ser BaseTota

l Pro

Use

rs

500,000

18 |

Marble Ecosystem Revenue Projections

Dec 20190

$20M

$10M

$3.9M$5.4M

Dec 2020e Dec 2021e

$6.1M $7.9M

Dec 2022e

$13.4M

$11.3M

$19.1M

$14M

Dec 2023e

$0.6M$0.8M

OpexSTRICTLY CONFIDENTIAL NOT FOR DISTRIBUTION

$1.3 M$0.1M

$3.9M

$0.7M

$5.6M

$1.3M

7.4M

$1.4M

$30M

$2.0M

$10.7M

$20.3M

$27.9M

1 Millionusers

Grow and Accumulate Data

Alchemy for Growth

21 |

Data Science 1. Machine learning platform2. Model Server foundation

ensures data is scalable, reusable and agile

3. Data Utilization Strategy

Developing IP

Spin Out New ModelsNew Segments Marble Score1. Proprietary algorithms2. Probability to default3. Likelihood to pay4. Propensity to purchase

Next Gen Credit Bureau

Model Server Architecture1. Effective and intentional data

collection2. Financial banking data,

including credit bureau3. Demographic and personal

information4. Performance data

Data Infrastructure

Disruptive Innovation Data Efficiency

THANKYOU

Mike Marrandino,Executive Chairman

mike.marrandino@marblef inancia l . ca

Karim Nanj i ,C E O

Kar im.nanj i@marblef inancia l . ca

www.marblefinancial.ca


Adah Teot ico, VP of Finance

adah. teot ico@marblef inancia l . ca

http://marblefinancial.ca


http://www.marblefinancial.ca/


APPENDIX

Capital Structure


• CURRENT SHARES OUTSTANDING: 55,750,763**

• STOCK OPTIONS: 4.575M @ $0.20

• ESCROW & INSIDERS OWNERSHIP: 35%

• **POOLING & *ESCROW SHARES – 12,876,712

• ENTERPRISE VALUE: $16.4M

MARKET CAPITALIZATION: $11.4 05/15/2020

TOTAL DEBT: $5.3M

• **(15% released on 06/20/2020 & final 09/20/2020)

• *(15% released on 09/20/2020; 03/20/2021; 09/20/2021;

03/20/2022)

OTCQB:MRBLF


Management Team

KARIM NANJI, CHIEF EXECUTIVE OFFICER, DIRECTOR

Mr. Nanji is an accomplished senior growth, strategy, product and technology leader with a proven track record for building and commercializing world-class financial technology. He has a significant background in retails financial services for underbanked, underserved and credit-challenged consumers in Canada, the United States and international markets. Mr. Nanji is a concept through execution leader with over 25 years of experience across start-up, growth, enterprise and Fortune 500 organizations.

Karim has a Bachelor of Arts in Economics from The University of British Columbia and a Master of Business Administration in the Management of Technology from Simon Fraser University.

JIM CHAN, CHIEF TECHNOLOGY OFFICER

Mr. Chan is a well-versed technology executive with a great reputation for building world-class technology teams and infrastructures. He has over 20 years of experience leading technology teams in developing some of the most advance financial technology solutions at one of Canada’s fastest-growing companies.

Jim has a Bachelor of Applied Science from the University of British Columbia and is a registered Professional Engineer in BC.

DANIEL MCCLURE, ADVISOR STRATEGY & CORPORATE DEVELOPMENT

Mr. McClure is a seasoned executive and financial industry veteran with over 25 years of experience. He began his career in technology sales & marketing before his twenty-year career in the capital markets. Dan moved from investment banking into leadership roles in investment research, portfolio management, business development, and was the CEO & CIO of an alternative asset manager. He is a seasoned investor, having invested institutionally across multiple sector and geographic mandates; designed and launched four separate investment funds, two were award winners; and remains an active Angel investor. He currently serves as President, Blue Deer Capital, where he advises companies on corporate strategy, governance, capital raising and business development initiatives.

Dan is a graduate of Electrical Engineering from Queen's University and has his Master of Business Administration from the Ivey School of Business.

ALASTAIR BROWLOW, CHIEF FINANCIAL OFFICER

Mr. Brownlow previously worked as an auditor in the British Virgin Islands specializing in financial and regulatory reporting ofpublic and private fund and trust companies. Prior to this Mr. Brownlow worked for a Canadian chartered accountant firm gaining significant accounting experience auditing public companies in Canada and throughout the world.

Alastair completed a Bachelor of Business Administration with first class honors from the Simon Fraser University and is a Canadian Chartered Professional Accountant and a U.S. Certified Public Accountant (Washington).


Management Team

PATRICIA GIANKAS, STRATEGIC PARTNERSHIPS

Mrs. Giankas has spent the last 20 years in various roles focused in the credit management and debt restructuring space. Notably, she has been a Credit Coach, Bankruptcy Insolvency Counselor, and Mortgage Broker. Prior to this, Patricia had a very successful an accomplished career within the banking industry for nearly 20 years. Along with her vast experience in the financial sector, Patricia is a life skills coach and a minister; she has helped many walk-through life’s challenges and has been of great support and guidance.

Patricia is committed to financial literacy and has authored The Power of Positive Credit and Great Credit NOW. She has co-authored several other books, and writes monthly for an online magazine.

RICH ELLIOTT, MARKETING & CREATIVE

Mr. Elliott is senior marketing and branding specialist with nearly a decade of experience in the technology sector. Originally starting his career at marketing agencies in London, Rich moved over to the Canadian technology scene in which he has gained experience in eCommerce, food technology, and financial technology. During this time, Rich has a proven track record for building well-known brands.

Rich has a 1st Class Honors Degree in Graphic Communication from The University of Northampton (UK).

ESTELLE L’HEUREUX, OPERATIONS & SALES

Ms. L’Heureux has specialized in the alternative lending space for seven years with diverse experience in fund management, sales & operationsmanagement, marketing and product development. Estelle has previously managed mortgage investments of ~$425M, including administration and defaults, cash requirements and a team of brokers. She has also spearheaded and managed a business focused on monetizing private mortgages, consumer loans and insolvency prospects.

Estelle completed her Bachelor of Business Administration in Accounting at Douglas College and the Mastering Fintech course at Ivey School of Business. She is a CFA charter holder and has been volunteering with the CFA Society of Vancouver since 2013.

ADAH TEOTICO, FINANCE

Ms. Teotico is an accomplished finance professional within the fintech space, with extensive experience in accounting, Canadian taxation,finance as well as corporate strategy. Ms. Teotico brings a necessary background in consumer lending technology products within Canada and has a proven track record for building successful financial strategies and infrastructures.

Ms. Teotico has a Bachelor of Business Administration & Accounting from Kwantlen Polytechnic University and is a Chartered Professional Accountant.

we empower canadians to build great credit using proprietary … · 2020-05-16 · daniel mcclure,...

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