2. 650 Credit Score NAME: Jonathan Pazi, 37
ADDRESS: Zalman Shneor 6, Tel Aviv
Credit Score
650

3. Jonathan Pazi
Maxim Polyachenko
Dmitriy Daron

5. Inbox Inbox as identity Advertisements Notifications Itineraries
Receipts
Social interactions
Order confirmations
Updates
Bills

6. 60% of applicants agree to provide access
redirect back to lender site
redirect to mail provider 1 2 3
A borrower is asked to connect their inbox
The borrower approves access with single click
Borrower continues user journey and a report is sent to the lender
60% of applicants agree to provide access

7. VerumView variables Identity Validation
Fraud assessment
Credit assessment
VerumView variables
Name, Address and phone validation
age, social presence, payment card validation, bank account validation
Expense summary, income estimation, gambling habits, dispute history, travel history, employment

8. No Previous Payday loans Income estimation: $50-60K/Year
Spends $600/m online
No Previous Payday loans
Income estimation:
$50-60K/Year
Went on vacation 2 months ago
Gambles online

9. Pilot results over 12K reports
Accept rate X 2X
Default rate X
X/2

10. In under a year…. 1st Paying Customer
1 Pilot about to begin (integration complete)
Planned PoC with Bankia (Spain’s 4th largest bank)
Interest from Major Indian bank
~20 online lenders in pipeline towards pilots

11. Let’s Talk: info@verumview.com
We are Fundraising
Let’s Talk:

13. Risk Factors and mitigation
Description
Mitigations
Legal
In some countries, privacy and credit regulation may affect our ability to provide the service
Clear TOS and privacy policy, Geographically flexible cloud platform, Legal clearance before moving into new territory
Sales
No option for “soft” pilot, meaning long sales process (customer has to bring the product live to evaluate)
Offering a 3 month free trial period, no upfront cost for integration. Will get minimized as traction grows
Defensibility
New competitors may come up
First to market, patent pending

15. Competition
Low friction
High friction
Non-Indicative
Indicative

16. (100,000) (85,000) Pay-per-report tiered pricing Business model
Average number of loan applications per month for mid-size lender
(100,000)
85% of applications from supported domains
(85,000)
60% uptake
(51,000)
Pay-per-report
tiered pricing