Fincluziv offers a SaaS to banks that automates & digitises their short-term lending process & experience.

1. Short-term lending
simplified, automated and digitized

2. Problem
High risks
For financial institutions globally
High costs
Short-term lending to individuals and SMEs is a
business that involves

3. Solution
Automation &
digitization
B2B2C business
model
Costs & risks reduction
+
=

4. How does it work ?
Corporate client
Labor contracts
Commercial contracts
Employees of corporate client
Suppliers of corporate client
Salary Advances
Invoice Advances
Bank-client relationship
Bank
Repayment of Advances through
salary deductions / invoice paymentsInvestors
Syndication
SaaS

5. Everyone benefits
Fincluziv creates a strong competitive advantage for banks
Banks Corporates Employees & Suppliers
Revenue Generation ✓ ✓
Cost Reduction ✓ ✓ ✓
Risk Mitigation ✓ ✓
UX improvement ✓ ✓ ✓
No performance risk on Fincluziv ✓ ✓ ✓
Plug & Play ✓ ✓
CSR initiative ✓ ✓

6. Risk Mitigation: Invoice Advance
No asymmetry of
information:
invoices
downloaded by
corporate client
No payment risk
on supplier:
repayment by
corporate client on
invoice due date
Fincluziv transforms a credit risk on a supplier into a
payment risk on a corporate client accepted by banks
No performance
risk on supplier:
invoices accepted
by corporate client

7. Risk Mitigation: Salary Advance
No asymmetry
of information:
key information
downloaded
from corporate
client
Diversification:
large number of
small advances to
many employees
No payment risk
on employee:
repayment
through salary
deduction by
corporate client
Fincluziv mitigates a credit risk on an employee with a
payment risk on a corporate client accepted by banks

8. Key Features
Transaction-based
revenue model
Fincluziv does not
control accounts /
money
First of its kind
SaaS
SaaS architecture

9. Team
Bruno Gremez – Full-time
Product & Business Development
20 years banking experience
(BNP Paribas and ABN AMRO)
Entrepreneur since 2013.
https://www.linkedin.com/in/brunogremez/
Samir Kasmi - Full-time
Product & Business Development
10 years banking experience
(Societe Generale and ABN AMRO)
Entrepreneur since 2013.
https://www.linkedin.com/in/samir-kasmi/
Altan Altinsoy – Full-time
CTO / full stack developer
IT engineer with more than 10 years experience
(Safran, PSA Group, Valeo).
Merouan Hakem – Part-time
Technical Advisor
IT Project manager with more than 10 years experience
(AXA and BPCE).
https://www.linkedin.com/in/merouan-hakem-182065127/

10. Next Steps
Q1 2019:
participation to
Startupbootcamp/
DIFC / HSBC /
Visa/ Mashreq
Bank Dubai
Fintech
Accelerator
H1 2019:
test solution with
few banks on a
limited scale
H2 2019: start
commercialization
Bootstrapped
fintech startup:
technical solution
ready for testing