Qliro @ Carnegie Digitalisation Seminar January 2020 Why Qliro was - PowerPoint PPT Presentation

Qliro @ Carnegie Digitalisation Seminar January 2020

Why Qliro was founded Ability to customise product Payment partner – not Develop payment solutions Generate revenue for between merchants provider based on actual merchant merchants – not costs needs For e-retailers by e-retailers 2

Scalable foundation built to support future growth IPO Commercialisation and expand consumer offering • Ramp-up of sales and marketing efforts License and product • Partnership with several new external merchants innovation phase • Digital banking strategy to capitalise on large base of unique and active consumers • Launched Qliro One and app • Credit market company license Start-up period • Launched personal loans and savings offering • Pay-after-delivery solution to Nordic merchants Sweden • Design and platform development begins 2014 2015 2016 2017 2018 2019 3

This is Qliro – a tech company within payments and financial services Headquarters Payment volume split 4) Merchants 1) Active consumers 2) Unique consumers all time 53 2.1 m 2.8m 0.6m 77% 8% 0.5m 13% Revenue 3) Payment volume 4) 338 m 5.3 bn 0.1m 1% Transactions 5) Revenue growth 6) 5.5 m 55% 1) As of Q3 2019, including ongoing onboarding of 14 signed merchants. 2) LTM Q3 2019. Defined as unique customers who have used at least one of Qliro’s services during the last 12 months. 3) LTM Q3 2019. Total operating income. 4) LTM Q3 2019. Only referring to pay-after-delivery volume. 5) LTM Q3 2019, pay-after-delivery orders. 4 4 6) CAGR: 2015 – LTM Q3 2019. Total operating income.

Qliro offers payment solutions with strong merchant and consumer value on a truly modern platform 5

Qliro One – A fully integrated checkout Qliro’s pay-after-delivery offering Invoice 14 days from purchase to payment ~60% of checkout Campaigns Payment due date up to 90 days volume 1) “Buy Now Pay Later” Part Payment Fixed and Flexible part payment Direct payment offered through partnerships Card ~40% of checkout Direct from bank volume 1) PayPal PAYMENT SHIPPING OPTIONS OPTIONS 1) Qliro One volume LTM Q3 2019. 6

Qliro One helps merchants boost user experience, sales and revenue to drive business success Modern technical features and Customized integration based on Complete control over interface expertise to reduce friction in the Integrated payment options merchants’ specific needs design and user experience purchasing journey STANDARD ADDITIONAL OFFERING PAYMENT OPTIONS “ONE - CLICK” EXPERIENCE ONE INTEGRATION HIGHLY MODULAR PRODUCT SHIPPING OPTIONS 7

Adapting our products to support attractive new segments of the market Overview of ongoing initiatives to unlock new market segments Subscription of digital goods In-store solutions Subscription Digital Goods Ongoing development of product where Subscription feature for recurring purchases Ongoing development of features like direct consumers can pay using Qliro’s payment already developed and first merchant added capture to unlock attractive high volume solutions in physical stores verticals within services and transportation Signed merchant: Signed merchant: Signed merchant: In-store solution Subscription of physical goods Digital goods Illustrative example of merchants Illustrative example of merchants (signed but currently only using Qliro for online sales) (not signed) Example of merchants (Not signed) 8

Building relationships with millions of consumers at low cost 9

Entry to the digital platform 2.1 million 5.5 million active customers transactions Acquiring consumers through the checkout Increase Qliro engagement to become preferred payment option in checkout 2 million Data Captured platform logins Q3 10

Relevance for consumers - fuelled by the power of data Platform powered by advanced analytics in credit decisioning, pricing and marketing acquisition Advanced analytics from start Credit Pricing Decisioning QLIRO External data Credit information Relevance for you Transaction information Payment behaviour EXPLORATION HUB Marketing Recommendations Segmentation 11

Qliro’s platform enables interactions and cross -selling opportunities The customer complete a The consumer picks up a 1 3 purchase in Qliro One relevant loan offering 2 The consumer interacts with the Qliro digital platform to pay The consumer opens 4 a savings account with interest Checkout acquisition QLIRO Platform interaction Personalized offers in platforms and other channels through payment products EXPLORATION HUB 12

Digital banking platform provides additional attractive opportunities Opportunity in partnerships with third party providers of services with strong product utility to create consumer relevance 124% Products provided by Partners Products provided by Qliro via Qliro’s Banking platform New loan sales growth Y-o-Y Q3 2019 Personal Other savings products loans 21% Payment PAD volume growth X-Sell Credit cards solutions CAGR 2015-2019 LTM Q3 14 000 Savings Insurance accounts Accounts and 11k customers Qliro core product offering Extended product offering 13

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Contact details Andreas Frid Martina Skande Carolina Brandtman Head of IR CBDO CEO Mobile: +46 705 290 800 Mobile: +46 703 179 083 Mobile: +46 702 008 130 Mail: andreas.frid@qliro.com Mail: martina.skande@qliro.com Mail: carolina.brandtman@qliro.com 16