“The financial service industry is at the edge of disruption - figo can help every player to make the next step into digitalization” 20. Handelsblatt-Jahrestagung Banken-Technologie

1. 1
We are building the backbone for
next generation financial services
20. Handelsblatt-Jahrestagung Banken-Technologie

2. 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”

3. Our Product: Banking as a Service
User Account and REST-API
3
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

4. Financial Data brings context
Use cases for figo
4
Identification Payment
Wealth Management /
Investing
Productivity figo Banking
Insurance companies Risk management Accounting

5. The figo API is already the backbone of well-known companies
Selection of use cases currently in use
5
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

6. The possibilities with figo
6
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

7. What problems are we solving?
7
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

8. Target groups
8
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?

9. Competition emerging with various approaches
Our market is still in early days
9
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).

10. And by the way - this is figo
10
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

11. 11
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