Digital Finance Summit 2022 - EU Fintech Pitch Battle https://www.digitalfinancesummit.com/

1. Smart 4 Invest
From payment audit and brokerage to Super App

2. Fields of action
S4I's job is to carry out a complete audit of the
merchants, their expectations, their needs and
their objectives.
Based on the results of the analysis, S4I details
possible solutions and improvements.
« The Proactive Audit »
Configuration and
activation.
Audit & proactive
support.
Payment solutions
brokerage
Installation, support
and repair.

3. Today
KEY FIGURES based on current POS activities
+ € 1.6 M
TOTAL REVENUE 2021
+ 3.6 K
B2B CUSTOMERS
+ 5.2 k
POST OF SALES (POS)
+ € 750 M
FINANCIAL FLOW THROUGH POS
(2018-2022)
14%
AVERAGE REVENUE
GROWTH/YEAR (3Y)
+ 6
ACQUIRING PARTNERS
+ 10
DEVICES
+ 7 M
PAYMENT TRX (2022)
€ 31.25
AVERAGE BASKET/TRX

4. They trust us

5. Next Steps
From Audit & Brokerage
to
Integrated Payment
Ecosystem

6. Why ?
Today, as an experienced payment solutions broker operating mainly in Belgium we have
identified 3 main challenges in the local industry:
1) SME faces consequent issues when looking for funds;
2) (Card) Payments take some time before effectively arriving on the SMEs accounts;
3) When Starting a SME, the owner has to wait considerable time before getting its
bank account and POS.
Conclusion : S4I aims to embed financial products to keep up with competitors, grow our
business and market shares.

7. Timing
80%
Global cashless payment
volumes are set to
increase by more than
80% from 2020 to 2025,
and to almost triple by
2030
65%
of the European bankable
population would consider
switching to a digital bank
28%
FinTechs are gaining trust
in the market and 28% of
Belgian SMEs consider
switching to one of them
40%
of Belgian SMEs are
considering switching
main financial provider
54%
of surveyed SMEs said
slow payments had led to
cash shortages which had
forced them to take out a
loan.

8. Offer:
- Current accounts
- Payment and FX solutions
- Cards
- Integrated SoftPoS
- Merchant cash in advance
Payment
Infrastructure
Added Value:
- Project Management
- Sales Force & Marketing
- Belgian B2B Payment Know-
how & Insights
Integrated SME Banking
Solution
Added Value:
- Banking License
- Mobile Banking App
infrastructure (Back &
Front-end)
Added Value:
- Back End dev for SoftPOS solution
- PI License
- EMV Scheme
Banking Partner
+ BAAS
Offer:
- Loyalty
- Regulatory
- Insurance
- Mobility / Travel
- Sustainability
- etc.
API friendly
integrations
HOW ?

9. Value Proposition
We aim to offer a whole payment ecosystem to our B2B customers. In this way, through S4I
payment solution, merchants will benefit from a whole package including :
1) A traditional and/or Soft POS + dedicated acquiring
2) Access to multiple innovative payment solution (Qr code, Pay by Bank, etc.)
3) A current business account with (with BE IBAN) + cards
4) A current freemium retail account (with BE IBAN) + cards
5) FX payment solutions
6) A merchant cash in advance solution
7) Fastest payment and reception in the local industry

10. The third step to our "Super App" journey
First Belgian ISO
by market share &
revenue
Development of a
S4I SoftPos*
branded solution
+
MCA
+
16 trusted partners
Development of a
banking solution
mainly focused on
B2B
+
Seed Investment
€ 2M
2022 Q2 2023 Q2-4 2023 2023-2024
2018 2024-2025
Payment BAAS
Super app
Payment
Institution
(BNB)
+
Bancontact's
acquiring
partner
+
Serie A
Super App Pilot
Development of
API integrations
+
Integrate partners
into our
environment
Strengthen our
market share in
the POS market
& enlarging to
neo-banking
segment
+
Key people
enrollment (HR)
*In collaboration with Acquirers actors

11. What we are looking for
Required funds to raise:
Seeds - € 2 Million (loan and/or equity)
Plan to raise further funds in 18-24 months to acquire the Payment Institution License
(activities 1-5) and become local scheme acquirer.
Job opportunities:
1) (Neo) Banking Expert
2) CTO with electronic payment experience

12. Jorge Libert
Business Manager
Tel : +32 484 49 14 92
Mail: jorge.libert@smart4invest.com
3. Contact persons
Florian Degimbe
Project Manager
Tel : +32 476 62 15 24
Mail: florian.d@smart4invest.com

13. Sources
EY SME: https://www.ey.com/en_be/financial-services/belgian-smes-a-major-development-opportunity-for-
fintechs
Aion Payment: https://thepaypers.com/online-payments/european-smes-face-challenges-with-payments-
speed-study-shows--1258198#
Trend Payment: https://www.paymentscardsandmobile.com/cashless-transaction-volumes-will-more-than-
double-by-
2030/#:~:text=Global%20cashless%20payment%20volumes%20are,analysis%20by%20PwC%20and%20Str
ategy%26.
Sifted: https://sifted.eu/articles/first-fintech-super-app/
Worldline: https://worldline.com/en/home/blog/2019/june/can-the-incumbent-financial-services-industry-remain-relevant-in-the-era
of-platformization.html
Skaleet: https://skaleet.com/blog/ne-dites-plus-app-mais-super-app/; https://www.finder.com/uk/digital-banking-statistics