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Smart spending startsnow.

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What Moven IsMoven is a mobile money management service that improves

customers’ financial lives by providing insight on their 

transactions and tracking their spending in real-time.

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The Problem We’re Solving 

Money anxiety is high, yet no one pays attention to their 

spending.

 Amongst twenty somethings:

 Average debt = $45k

 Average number of credit cards = 3

Unemployed = 12.4% (vs. national rate of 8.2%)

Live with their parents = 24%

Don’t pay bills on time = 42% 

Carry debt = 20% carry a balance of $10k+

No cash savings = 70% are not building up cash

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Moven’s OpportunityReduce money anxiety and re-invent basic day-to-day

banking through mobile, social, payments, and data analysis

to deliver a new value proposition – a smarter way to pay,manage your lifestyle, and stay financially fit

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How Moven Works

Open Movenaccount

Receive card andcontactless sticker 

 Access ATMPay friendsMake every day

purchases

Load funds

Real-timefeedback delivered

to phone

Transfer funds

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Key Terms

Bottom Line The most important financial term for a startup… the net earnings or income 

Gross Margin Expressed as a percentage. Total revenue after cost of sales

Fixed vs Variable Costs Fixed, does not increase or decease with volume. Variable, fluctuate with

volumeEquity vs Debt  Equity, money obtained from investors in exchange for ownership. Debt

comes in the form of loans from banks that must be repaid over time

Leverage If you have way more debt than equity, you will be considered “highly

leveraged” aka “very risky” to potential investors 

Capital Expenditures Something you bought is going to be useful to your business beyond thetaxable year in which you purchased it, capitalize the item(s) as assets in your accounting

Concentration Percentage of how much business you are doing with a specific client or partner 

Unit Economics Your primary revenue model and lay out the revenue drivers and results for asingle customer.

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Business Model

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Financial Modeling

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Scenario Analysis

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What Are You Looking For?

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Building A Strong Model

1. Focus on expenses

2. Outline how the product or service is built,

marketed, sold and delivered3. Analyze your assumptions, addressable market

and benchmark your projections

4. Create detailed financial statements

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Ideal

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• (Pricing)• (Value of each customer)

• (Customer acquisition cost)

Moven

• Monthly fee for service consistent with other pre-paid

programs

• Transactional interchange fee

• Merchant funded offers/incentives• Potential white-label platform for 3rd party banks

• We can achieve profitable revenue generation at the

following thresholds: – 30,000 customers

 – 5 transactions/week

 – $4.99 monthly fee

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