Artoo is a technology provider that wishes to catalyze development through inclusive technology. We want to do everything we can to bring the digital revolution to those at the bottom of the pyramid. Our first product, Artoo Slate, is a solution for the microfinance industry. We believe it has the potential to help MFIs become more productive in helping their customers rise out of poverty. We have just completed a pilot (funded by Ujjivan Financial Services and the Lok Capital Foundation) with Ujjivan, one of India’s fastest growing MFIs, and are delighted to share our results with you here: Artoo Slate enabled a 35% increase in productivity, reduced the turn-around-time for loans to 2 days, promises Ujjivan an annual benefit of INR 74.4 crores (USD 15.8 million), and a 2.44% reduction in the Operating Expense Ratio (OER).

1. Artoo
|
Apr,
2011

2. Money is a volatile commodity at the bottom of the pyramid. MFI customers are less concerned about interest
rates and more eager to ask: “How quickly can you give me my loan money?” Paper based applications not
2
only increase turn-around-times but also create an information delay that can negatively affect the business.

3. MFIs and Banking Correspondents (BCs) who work at the bottom of the pyramid find the process
resource intensive. If much of the money from MFIs’ interest rates is used to cover operating expenses,
wouldn’t tackling costs, as opposed to profits, prove the most efficient way to lower interest rates and still
3
remain reasonably profitable? And also be the best way for BCs to scale?

4. How do field agents like Pushpa cope with the increase in business requirements (diversification
of products, increased expectation to train customers) given that their own education and 4
technology backgrounds are not very different to those of the customers they serve?

5. Artoo Slate is a software solution that takes all field processes (customer acquisition,
management, development, collections, etc.) online. Thus it enables field agents to be more
5
productive (acquire more customers) and engage more effectively with their customers as well.

6. Our mission is to help you become more
productive in helping your customers rise out of
poverty.

7. artoo slate
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7

8. Artoo Slate can run on any android device so enterprises can choose whatever hardware (INR 5,500+) best
meets their needs. Android devices are becoming increasingly common and are easily available at most
8
electronic stores throughout the country.

9. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
9

10. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity
9

11. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
See this video to get a sense
of our Technology Tweaks
• 35%
increase
in
producBvity
9

12. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity
• Loan
TAT:
2
days
9

13. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity Without compromising on the
due diligence. Now, even field
credit checks are possible
• Loan
TAT:
2
days
9

14. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity
• Loan
TAT:
2
days
• INR
74.4
crores
savings
annually
(aJer
reducing
costs
for
devices,
internet
&
Artoo)
9

15. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity By taking field processes
online, we can reduce paper
• Loan
TAT:
2
days and increase efficiency at all
levels while mitigating risk to
the business.
• INR
74.4
crores
savings
annually
(aJer
reducing
costs
for
devices,
internet
&
Artoo)
9

16. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity
• Loan
TAT:
2
days
• INR
74.4
crores
savings
annually
(aJer
reducing
costs
for
devices,
internet
&
Artoo)
• 2.44%
reducBon
in
OperaBng
Expense
RaBo
Note:
The
above
calculaBon
factors
in
the
recent
Malegam
CommiWee
recommendaBons
9

17. pilot
Funded
by
Ujjivan
&
Lok
Capital
FoundaBon
• 35%
increase
in
producBvity
• Loan
TAT:
2
days
• INR
74.4
crores
savings
annually
(aJer
reducing
costs
for
devices,
internet
&
Artoo)
• 2.44%
reducBon
in
OperaBng
Expense
RaBo
Note:
The
above
calculaBon
factors
in
the
recent
Malegam
CommiWee
recommendaBons
Above information has been validated and shared with the
permission of Ujjivan Financial Services Pvt Ltd 9

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Paper Work at Center Meeting Customer Profiles (KYC)
• 36% of the centers took around 18 seconds • 71% of customer profiles were created
• 79% of the centers took less than 5 mins and approved within 2 days
(12%)'"3#",4/5'%6%74/899%
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Retrained Requires
(" on CP Training
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• 53% customers decreased or maintained • Objectively measure performance of
their outside borrowing (number of loans) field agents and recommend
• Outside Borrowing INR 5661 customized based refresher training.

19. artoo slate
Artoo Slate offers an intuitive touchscreen interface, designed
keeping field agents’ education, language, and technology
backgrounds in mind, to capture information straight from the
field.
Artoo Slate, created with the tight schedules of field staff in
mind, promises to minimize time spent on data entry,
customer acquisition/management, and balance collection.
Video: Technology in Action -- Collections
MFIs/BCs can find a scalable way to engage more effectively
with their customers through videos, graphics, and other
interactive media with the help of an easy-to-carry, easy-to-
use Artoo Slate.
Video: E-Learning, Viewer, Videos
For more information, visit: www.artoo.in/?page=slate
11

20. what are our customers
saying?
12

21. “Artoo,
through
its
short
but
intensive
pilot
has
proved
it
can
address
a
gamut
of
issues,
revamp
processes
by
taking
them
completely
online,
thereby
giving
them
an
unheard
of
efficiency,
and
rendering
dream
turn-around-­‐<mes.
Artoo
has
analysed
Ujjivan’s
opera<ons
me<culously
(which
other
technology
vendors
have
seldom
cared
to
look
into)
and
redesigned
them
on
their
android
applica<on,
Artoo
Slate.
This
applica<on
is
intui<ve,
user-­‐friendly,
fast,
and
capable
of
taking
any
field
opera<on
under
its
umbrella.
It’s
the
first
of
its
kind
as
it
aims
for
efficiency
both
at
the
front
end
and
at
back
office.
The
technology
is
portable
and
it
empowers
the
loan
officer
to
a
great
extent.
This
in
turn
empowers
the
whole
hierarchy
of
field
managers
on
their
porIolio
enabling
them
quick
business
decisions
on
cri<cal
issues.
The
technology
is
capable
of
reducing
reams
of
paper,
reducing
man
power
on
various
fronts,
and
most
importantly
reducing
the
burden
on
loan
officers
without
compromising
on
Ujjivan’s
needs.
All
these
factors
in
turn
fuel
higher
client
acquisi<on
in
shorter
<mes
at
cheaper
costs.
The
techies
at
Artoo
have
delivered
more
than
they
promised
and
their
innova<ons
are
bound
to
revolu<onise
microfinance
business.”
Bhargava
Krishna
(Manager
Projects,
OperaBons,
Ujjivan)
13

22. “Artoo
versus
Others
1.
Delivering
on
Requirements:
This
is
Near
Perfect
with
Artoo,
which
is
a
rare
quality
with
any
soNware
vendor.
2.
Ques:on
of
Scope:
“Not
in
Scope”
is
a
common
phrase
we
have
heard
from
many
of
the
soNware
vendors.
Whenever
we
suggest
some
“enhancements”
or
“good
to
have,”
the
immediate
reply
will
be
“not
in
scope”
or
“
our
core
does
not
permit”
and
so
on…
With
Artoo,
we
have
seen
the
complete
opposite.
3.
Delivering
on
Expecta:ons:
Always,
with
others,
we
have
no<ced
the
deliveries
will
be
below
expecta<on
and
there
will
be
jus<fica<ons
for
the
gap
like
“too
liQle
<me
or
phase
I.”
With
Artoo,
we
have
seen
that
the
deliveries
are
on
PAR
or
above
the
commitments.
4.
Customiza:on:
This
is
a
prohibi<ve
word
with
soNware
vendors,
but
with
Artoo
we
no<ce
you
are
ready
to
undertake
customiza<on.
5.
Knowledgeable:
The
involvement
and
understanding
and
final
delivery
had
affirmed
our
belief
that
your
company
understands
our
needs
and
is
the
right
partner.
Artoo
Slate:
This
technology
can
bring
in
lot
of
efficiencies
for
MFI
industry.
There
are
no
boundaries
for
using
this
technology.
Our
field
officers
feel
empowered
using
this
technology
as
informa<on
is
at
their
finger
<ps.
The
feedback
from
the
branch
has
been
very
encouraging.”
Mar9n
P
S
(Project
Manager
-­‐
ERP,
Ujjivan)
14

23. proof is in the pudding
Video: Field Agent Feedback

24. Contact:
Sameer Segal, Founder & CEO
Artoo IT Solutions Pvt Ltd
sameer@artoo.in
+91-98866-89754
Thank you
www.artoo.in
Showcased
at Winner, Winner,
Srijan
Financial
Inclusion
Forum,
2010
TiE’s
KBE
Compe99on,
2010
Surathkal
Innova9on
Challenge,
2010