Julio Lavalle - Poupa Certo

JANUARY 2019

Julio Lavalle

Co Founder & CEO julio@



The smart platform that makes it easier for workers to organize their financial lives and save for retirement through a mobile app that executes a

proprietary technology to suggest personalized paths for financial wellness and bestfit FinServs.

"Saving is NOT in the radar of Brazilians"

Financial Journey of the Brazilian, Anbima Brazil 2018

62% DOES NOT KNOW or USE any type of investment (including retirement & saving accounts) 14% KNOWS but DOES NOT use any application 24% INVESTS in a type of application

NOV. 2018

THE NEED

SIZING THE MARKET FROM THE USER SIDE

63,1mi

INDEBTED CONSUMERS

Of every 10

indebted consumers,

4 6 are

are

men

women

36

is their average age

93%

belong to these socio-economic sectors

CDE

4/10 indebted consumers are found in the South

(46%)

24% North East 12% Center-West 9% North 8% South

~15mi

work in medium & big companies

R$4770/mo (US$ 1193)

is their average salary

SOURCE: CNDL/SPC BRAZIL 2018.

THE NEED

SIZING THE MARKET FROM THE CLIENT SIDE

89%

IN NORTH AMERICA

OF COMPANIES INVEST IN A TYPE` OF

FINANCIAL EDUCATION PROGRAM FOR THEIR

EMPLOYEES

5%

IN BRAZIL

Financiallystressed employees

53%

admit distraction in their work activities due to financial problems

3h

are spent on average at the workplace to solve financial-related pendings

20%

call in sick

=

due to financial

worrisome

Productivity

] Satisfaction

Abseentism

VERY HIGH

costs

Turn over

WHY?

HOW?

Business Lectures

as usual

Offline

Coaching

Offline/online

Flyers

Offline

E-books

Online

Human capital and financially

= intensive.

Limited scale & impact.

SOURCE: CNDL/SPC BRAZIL 2018.

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