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We are building the backbone for next generation financial services 20. Handelsblatt-Jahrestagung Banken-Technologie

figos mission

‣ Think of something like a layer comprising the financial service stacks of the world

‣ Enabling developers to create universal financial services and products

‣ Giving financial data the right context ‣ Giving consumers a financial home 2

“The financial service industry is at the edge of disruption - figo can help every player to make the next

step into digitalization”

Our Product: Banking as a ServiceUser Account and REST-API

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figo Account

User- & Access Management Metadata Enrichment

Realtime sync & Notifications Sync across devices & services

Smart Data figo-Connect REST-API

Hosted in a German Bank Data Center

Financial Data

ServicesApps Tools

Financial Data brings contextUse cases for figo

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Identification Payment Wealth Management / Investing

Productivity figo Banking

Insurance companies Risk management Accounting

The figo API is already the backbone of well-known companiesSelection of use cases currently in use

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Banking Apps Bank transfer for p2p payment

Live scoring in loan applications

Identity check

figo

Open position management

Cross selling Scan and pay / Travel-Expenses

Online payments

The possibilities with figo

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Today Tomorrow

‣ Name of the account owner ‣ All bank accounts (Current, savings,

and cash accounts plus loans etc.) ‣ loans and securities ‣ Credit cards ‣ PayPal ‣ Bank transfer ‣ Direct debit

‣ Data from our partners (such as invoices, receipts, etc.) which the end user allows us to use for one-time use or permanently

‣ other financial services like crypto currencies

‣ Categories and tags

‣ Income & expense reports

‣ Forecasts

Available Data and Transactions by figo

What problems are we solving?

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Banking interfaces are out-dated

‣ Access to traditional financial service provider is complicated

‣ Maintenance and care is expensive and often not worthwhile for many companies

‣ Security is key for banking services

‣ Interfaces are still national not global

figo enables developers to connect to every financial service provider without specific bank know-how

Digitalization requires speed

‣ Implementation of all financial service providers would require a months long project

‣ Connecting to some specific providers will be very clumsy

‣ Additional comfort features are not even taken into account

‣ Companies are often deciding against a banking implementation due to all these problems

Target groups

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Today Tomorrow

‣ Developer

‣ FinTechs

‣ Modern financial service providers

‣ Business and productivity tools

‣ In Germany and Austria

‣ Traditional financial service provider (banks, credit card issuers, insurance companies, …)

‣ eCommerce player

‣ Comparison portals

‣ Trusted services

‣ SEPA region (35 countries)

Which groups are using the figo API today and will tomorrow?

Competition emerging with various approachesOur market is still in early days

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plaid (US)US counterpart, raised 2.8m $ from the likes of Google Ventures, Spark Capital, and others. Degree of competition: Currently low due to regional focus (in contact).

Standard Treasury (US)

Focus on partnering with banks, raised 2.7m $ from YCVCm, Danny Rimer (Index), and others after running through Y Combinator. Degree of competition: Currently low due to regional focus.

FinTec Systems (GER)

Focus on a direct debit payments. No info on funding. Degree of competition: Unclear.

Fiduceo (FR)

Pich Techn. (ESP)

A french startup with a comparable history to ours. Currently strong focus on selling to banks solely and on the French market (in contact).

Young team, funded by an unknown German BA. Currently in beta and strong focus on SMEs. Big interested in partnering with us (in contact).

And by the way - this is figo

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André M. Bajorat

Joachim Penk

Lars Markull

Sebastian Tiesler

CEO & Sales

‣ Exec. consultant in finance & payment

‣ VP Product Marketing, CEO at NumberFour

‣ Managing Director at giropay

‣ Management Board at Star Finanz

‣ Advisory Board Member at FinLeap / ExecIO / Cringle / Mobicom

‣ Mentor at Plug&Play, Microsoft Ventures, startupbootcamp

Technology

‣ Freelance Software Develope

‣ Entrepreneur fwd.io

‣ Co-Founder (CTO) Mikestar

Business Dev & DevCom

‣ Shortcut Ventures

‣ SumUp

Product & Sales

‣ Head of Mobile Solutions at Star Finanz

‣ Senior Account Manager at Star Finanz

‣ G&J Multimedia Ventures

‣ Project Lead eCommerce at Ponton Software Technology

> 30 years FinTech Experience

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André M. Bajorat CEO and Co-Founder

Want to use our service? Or want invest in one of the hottest FinTech StartUps?

Contact us!

amb@figo.me+49 172 4574783