Pah, Micro Lending with Blockchain technology By Mr. Taro Lertwattanarak Founder, I AM Consulting & CEO, J Ventures

1. CORDADAY BANGKOK 2018
THE FIRST CORDA EVENT IN THAILAND
BLOCKCHAIN FOR ENTERPRISE

2. CORDADAY BANGKOK 2018
BLOCKCHAIN FOR ENTERPRISE
PAH, MICRO LENDING WITH
BLOCKCHAIN TECHNOLOGY

3. www.ป‰า.com & JFIN Wallet

4. © J Ventures 2018
TABLE
OF
CONTENT
• WHY?
why do we believe in DLP?
• WHAT?
what is different in other lending?
• HOW?
how is our growth strategy?

5. © J Ventures 2018
W H Y
• JMART Group
• About JVC
• Lending Market
• Digital Lending

6. © J Ventures 2018

7. © J Ventures 2018
JMART ECOSYSTEM
Decentralized Digital
Lending Platform
Digital Lending Platform
ระดมทุน ICO
สรŒางเหรียญTraceable
Use of Funds
ตŒองการระบบ
Blockchain
80% 95.6%
พัฒนาระบบ
พัฒนาระบบต‹อเนื่อง

8. 01
02
03
M&A, and
Layout Digital Platform
Looking for any partnership or M&A of any
technology startups to fit gap of JMART digital
transformation. Also create platform as a
service (PAAS) to support JMART future.
Start building mobile app to help each
JMART subsidiaries to move to mobile
transactions with fully synergy among
JMART.
Building
JMART Digital TransformationBased upon experience and exposure
within/outside JMART group, and also
internal huge database. JVC will create
another process/solution or business
unit to make own revenue outside
JMART group in the future.
Create
own
Business Solution
3 main missions of Jventures

9. Copyright © 2018 Jventures
Thailand Lending Market
Market size: 19.3 M (People)
Market size: 28.5 M (People)
source : https://www.pier.or.th/?abridged=มุมมองใหม่หนี้ครัวเรือ, สถาบันวิจัยเศรษฐกิจป๋วย อึ๊งภากรณ์/ สำนักงานสถิติแห่งชาติ
Analog
Traditional
Digital Interactions
& Transactions
• Big Data
• Collection
• Interaction within eco system
• Both financial and non-financial
info
Key Success
Factor
Loan Shark
Banks & Non-
Banks
Rely on financial
information transactions
Key
Success
Factor
5

10. © J Ventures 2018
Our Digital Lending Platform
Distributed Ledger
Technology (DLT)
Smart Contract and
Decentralized will guide to
more efficiency process.
Acquisition
(Passive & Active)
Active mode is pre-define with
partners and collecting others
information even when they
don’t need a loan yet.
Passive mode will be more
effectively in the long run for
acquisition and data analytic.
TCL
(Total Credit Limit)
Starting process to get spending
behavior on TCL we provide to
them on instant basis. Also
integrating with their business
performance.
Triple Credit Scoring
Non-financial Information and
spending behavior weight greater
score nowadays which needs to
combine with current financial
information.

11. © J Ventures 2018
W H A T
• JFIN DLP
• TOKENOMICS & DDLP
• P2P Lending

12. ระบบ DDLP และ JFin Coin Utility Token
!12
Blockchain
Decentralized
Transaction
Validation
Lender Borrower
J Wallet J WalletCASH
DDLP
CASH
CASH
Credit Scoring & Get
Access to DDLPCredit Scoring & Get
Access to DDLP
Chain Validator Chain Validator Chain Validator Chain Validator Chain Validator
DDLP Fee
x% of transaction fees
y% of transaction fees
x% of transferred amount

13. PARTNER’S INFORMATION BASED LENDING
ACTIVE APPROACH
Location
Bank
Statement
Spending
History
Financial
data from
partners
data from
Jmart group
Purchasing
power
Spending
pattern
Extravagan
t Level
Personal
Data
Salary Slip
Personal
Financial
Application
Spending
data from
partners
Spending
Behaviour
Facebook Post
Psychology
Questions
Reputation
Score
Lifestyle
Score
APPROVE
80% CREDIT
Purchasing Power
Spending Behaviour
Social Behaviour

14. BORROWER MEET LENDER
PASSIVE APPROACH
Personal
Loan
Pico Finance
Nano
Finance
Accumulative Data over time, and Credit Scoring is a key

15. © J Ventures 2018
Plan Actual
Visit/Day (Average) 200 670
Total Visit 5,400 20,212
Apply Application/Day 160 478
Total Application 4,320 14,351
Average Approved/Day 20 5
Total Approve (person) 300 95
Total Approved (Loan) 800,000 391,000
NPL 15-20% 35%
Avg. Interest (%) 15%,36% 15%/36%
Plan vs. Actual Fast
Money Wave 1

16. DIGITAL CHANNEL

17. KYC JFIN Wallet
J-POS
JFIN Roadmap
DDLP
TOKENIZATION PLATFORM BUILDING TOKENOMICS
Credit Scoring
Contract Approval
Core Lending

18. © J Ventures 2018
Building Platform for JMART : r3 Project Update
JFIN coin has been kept in this layer. Ethereum is widely use in cryptocurrency world so it is easy to
exchange with other cryptocurrency
Wallet transaction is operated in this layer. This is forked from Stellar. It’s simple and fast for this
kind of transaction.
Loan transaction operates in this layer. Corda platform provide privacy feature which is the best for
keeping business transaction or personal important information i.e. ID card, mobile or KYC
information.
Blockchain Landscape

19. © J Ventures 2018
JFIN Infrastructure Roadmap
Public Ethereum Blockchain
Exchange / Transfer
1) Exchange
2) Transfer
1) Membership Fee
2) Transaction Fee
3) Consensus Reward
JFIN Sidechain
DDLP
1) Promotion
2) Point
J Crypto Wallet
KNOW YOUR CUSTOMER
J
Providing Proof of locked asset on main and side chain

20. © J Ventures 2018
JFIN DDLP
Pico Finance Nano Finance JMART Partner Point of Sales
Infrastructure
API GATEWAY
DLP PLATFORM
Front End (Mobile Application , Facebook Chat bot , Line Chat bot
Acquisition
Payment Gateway & POS
Lending Services Debt Notification & Collection
Customer
Profile & Identity
Crypto
Wallet
Crypto
Payment
& Gateway
Credit
Scoring
DDLP BLOCKCHAIN PLATFORM
Lending
Smart Contract

21. © J Ventures 2018
COMPONENTS
TOKENOMICSDIGITAL LENDING
Core Lending System
Acquisition
Web
Application
Mobile
Application
One-time Loan
KYC
Credit
Scoring
Contract
Approval
Term Loan Revolving Loan Syndicated Loan
Database
Blockchain
External Loan
Partner
Management
Aging
Chatbot
Contract
Management
Encashment /
Bill Payment
Product
Management
KYC
Credit
Scoring
Contract
Approval
KYC
Credit
Scoring
Contract
Approval
KYC
Credit
Scoring
Contract
Approval
Wallet
Cash
Transfer
Crypto.
Transfer
Others
POS
Stake
Jay
Scoring
Database
Blockchain
JAY ID

22. © J Ventures 2018
H O W
• DLP & Tokennomics go-live
• Leader platform in TH
• Growth strategy & plan

23. © J Ventures 2018
JFIN TOKENOMICS
A tokenomic enhancing value creation and token circulation!
Contribution
Goods & Services
Fiat Money
Crypto Exchange
Pico Finance
Nano Finance
JMART
Partners
eCommerce
J Ventures
JFIN DIGITAL LENDING PLATFORM
JFIN Issuer and Accelerator
Personal Finance
JFIN TOKENOMICS PLATFORM

24. © J Ventures 2018
JFIN
Promotion

25. © J Ventures 2018
JFIN WALLET
A digital token wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to
send and receive digital token and monitor their balance.
Digital Token Wallet
Hardware Wallet
Software Wallet
Paper Wallet
Desktop Wallet Online Wallet
Store Private key on Hard drive Store Private key online
Managed by 3rd party
software that
securely generates
keys that are
printable

26. © J Ventures 2018
Pah Go-live Activation
17 October 2018
Kick-off event
(Press Conference)
19-23 September 2018
Pre-event @ Fintech Event
November - December 2018
Activations
Online Communications
Pah’s Character
Pah Platform
SAMPLE
Pah
Roadshow

27. © J Ventures 2018
Blockchain Cafe’
@CASA LAPIN X Ratchathewi

28. © J Ventures 2018
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THANK YOU