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Presenter – Nisreen Al Alamy Group - 23

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Market Size –  Expected closing 2021 – USD 22.5 Trillion  Growth  – CAGR – 9.9% Financial Services  – 24% of Global Economy Product  Economies of Scale Error Elimination –  Removing manual operations Cost Management

Source  – Investopedia.com, Bank of England

Competition Digitized –  Digital Transformation  Compact   – All in one solution set Core Banking  – Partnership options Management  Concept Proof –  Independent IT Service Provider Resources –  Minimum requirements option Autonomous –  Open source model

Forecasted Cost  Budgeted Cost -  $5000 tool creation IT Specialists – Network Security Professionals  Tech Framework Forecasted Revenue  Market Size  of $22.5 Trillion Personal Loans  - $1.3 Trillion Assuming a market share of 10% -  $13 Billion of which an acquisition        of 2% of the total sizeable        market amounting to 26 million

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Internally focused customer centric solution that provides better  management solutions  of the workload on hand and the speed of closure on pending issues.   Essentially increasing the capacity of  system driven delivery  to enhance the overall customer journey. The highest value chain attribution is  shorter TAT.

Primary Market : Retail Banks – Financial Services Secondary Market : Sub banks, Digital banks and Underwriters serving the Financial Services sector Consulting firms providing credit risk solutions in the market

An  autonomous  business model that continuously responds to change with regards to business development and offloading an operational model within the respective FS institute.  Re-adjusting the tool offerings along with respective market and in specific  digital transformation  major pillars in the financial services sector.

Who  – Built for tech-enabled financial services players essentially decision makers that assess operational efficiencies.  How –  Build on the value chain eminently present within each distinctive financial services provider for the personal loans product.  What  – Provide a seamless digital solution that embeds onto the core banking system and integrates with on the ground operations

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Mirrored Operations inclusive of in cycle processing such as Core Banking Activities and out of cycle operations such as Manual Branch  S ubmissions

Autonomous Response with a respective – Approval or Rejection

Both units act as a Manual Checker on Final Results and Documentation Completeness

Re-processing can take place upon exception allowing for manual inferences if need be

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Option for Autonomous Response with Absolute Rejection – resulting in none consideration towards the application as it meets 0-10% of Policy requirements

Additive option for Reasoned Rejection attributing to policy fulfillment of 10% up to 100% with resolute reasons within a sub-list sectioned algorithms built to assume high default risk despite policy compliance (based on behavioral analytics)

Manual Checker systems ride over option when any malfunctions take place in cycle

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System Errors cycle shall amount to 30-35% instance occurrence  Error Reporting and Resolution shall be scripted prior to operations commencement  Processed applications completeness is assumed at 100% bracket inclusive of application checking processing to be handled by out of tool units  All financial services potential clients are to be apply the tool without alterations – sold as an off the shelf solution suite  Financial gains are to be utilized to further develop the functions of the tools and multiple version cycles shall be developed accordingly

System error testing to take place on a daily base Workflow testing and resolution scripts tests to be run on 4 testing cycles prior to launch Offloading application completeness operations to a 3 rd  part application  Tool testing on a variety of financial services business model to create the best-fit model Annual application stress testing and content management  cycles to be actioned into altered application versions

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Board Members – Stakeholders with Investment Interests

Vision Placement along with Financial limitations placement party

Workflow control and security supervisory tier to ensure that  mid-management is in control

On the ground tool monitoring and output quality control inclusive of troubleshooting

Cred Tech

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