ApTap - Pitch Deck

Pitch deck for ApTap, a member of the 2020 FinTech Innovation Lab cohort..

Bill Management Made Easy ApTap LTD 2020 ©

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 ©

Value chain: managing partners and tech to drive revenue and improve relationships Providers ApTap Banks Users Brands across utilities, Interface between New revenue and Simple bill telco and beyond can banks and providers upselling opportunities management: cancel access new channels while optimizing UX while deepening compare, switch or and market insights customer relationships sign up, all in app ApTap LTD 2020 ©

Product: APIs that deepen relationships, drive revenue and streamline actionable steps Simplicity for all: • White labelled bill management tools for banks to offer customers • Identify and categorize recurring payments • Build user profiles from financial and usage data to automatically compare deals • Users can cancel, switch or sign up to services all in their existing banking app Go to aptap.co.uk/sign-up ApTap LTD 2020 ©

Switching increases with user experience: improve awareness, UX and switching rates Broadband Energy Broadband • 20% of UK pop. switch per year on average • Only 12% switched in 2018 • Average of £260 saving from standard tariff • 40% are over-paying, outside of a contract • 49% have never switched • 35% have never switched • 54% say too much effort to look for deals Phone SaaS & Insurance • 9% switched in the last year • 27% switched car insurance in 2017 • 24% have had same provider for 10+ years • 23% switched home insurance in 2017 • 3.3% of monthly household spend • The UK spent £2B on subscriptions last year • More than 90% of brits have multiple subs ApTap LTD 2020 ©

Business model: affiliate commission from user switching quickly covers license fee Proven and replicable license and affiliate model: • User access deals directly within their accounts. Brands • Service providers pay commission for customer acquisition, upselling and advertising opportunities. • ApTap aggregates deals and matches them to user Banks profiles, taking a share of the affiliate commission. • Bank takes the other half of the commission and pays a licensing fee based on active user base volume ApTap ApTap LTD 2020 ©

Competition: focus on user awareness and control, across multiple industry verticals Automated ApTap Minna Yolt Utility No. of Industries No. of Industries Bud Wonderbill Price Comparison Sites Manual ApTap LTD 2020 ©

Traction: engaging with digital challengers, tier 2 bank pilot and affiliate deals in place £ Banks Funding Utilities / Telco PoCwith a tier 2 bank in £300k pre-seed closed 90%+ market coverage with July 2020; numerous September 2019; raising major telco brands. integrations Q2/Q3 £2M summer 2020 Agreement with EnergyLinx in place. ApTap LTD 2020 ©

Team: 1st class founders from Imperial College joined by years of technical experience Nadal Sarkytbayev Isa Ibrahim Co-Founder & CEO Co-Founder & CTO MSc Theoretical Physics MSc Environmental Engineering, Funding and Hiring Product and Technology Lead Will Billingsley CagdasTimurlenk Co-Founder & CCO Head Developer BSc Biology & Management 15 years experience in software Sales, Finance and Partnership development and data analytics ApTap LTD 2020 ©

Advisors and programs: industry expertise meets world class accelerators Rachel Gentry James Dickerson DPO; Data Security Client Executive ApTap; Open Banking Motive Partners Ajay Arora Strategic Partnerships Google ApTap LTD 2020 ©