Three focal points: users, banks and brands, whose problems are all tied together Users Banks Brands • Missing out on • Increased competition • Crowded customer savings of £500+/yr from digital banks acquisition channels • Too much time and • Decreased engagement • Hard to optimize user effort to take action for traditional banks journey and products • Spending 5x more • Missing out on millions in • Conversion rates than aware / month revenue suffering ApTap LTD 2020 ©