Innovacion y EmprendedurismoSergio Furio, Fundador y CEO bankFacil

1 Problemas (por qué?)

2 Soluciones (qué?)

3 Go-to-Market (cómo?)

La esencia de todo proceso racional

17%

5% 6%

0%

5%

10%

15%

20%

Brasil EEUU Europa

Revenues / Assets

1. The Problem (1)

8%

3% 3%

0%

5%

10%

15%

20%

Brasil EEUU Europa

Revenues / (Assets+Depo)

4,61

13,32

8,94

-

5

10

15

20

Brasil EEUU Europa

Assets+Depo / Employees

4

1

2

3

4

5

6

Increasing use of internet for bank products research & buying

Commoditization of relationships: no human interaction

Commoditization of products: similar functionalities

Low or negative profitability of branch-based distribution

Time consuming comparison of available product offering

Consumers looking for advice when taking financial decisions

1. The Problem (2)

2. The Solution (1)

Financial need

discovery

Pre-Sellingprocess

Sellingprocess

Transactionclosing

Maintenance& Retention

“Real-Life” Catalyst or

optimization

“Real-Life” Catalyst or

optimization

CreditCards

Mortgages

ConsumerLoans

Insuranceproducts

Accounts

Investments Financial brokers

Mortgage brokers

Credit card monoliners

Consumer finance monoliners

Banks

OUR VIEW: By creating a cross-verticals discovery and pre-selling platform we can effectively optimize net acquisition cost. This space is currently occupied in Brazil by google, non-dynamic financial blogs and the like

Insurance brokers

Financial Portals

Financial Education

2. The Solution (2)

EditorialContent

Comparisonsite Simulators &

Tools

Business/Banking Intelligence

OnlineEducational

gamesMobile Apps

FinancialPlanning

We create content and tools that (1) help consumers take basic financial decisions, (2) allow very low customer acquisition costs for our site and (3) help us understand client needs to segment our users and offer the highest quality

leads to the banking industry

3. Go-to-Market

Personas Retorno Paciencia