PAYMENT INSTITUTIONFOR THE NEW ECONOMY

Damien GuermonprezJanuary 2017

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WHAT DO SUCCESSFUL PAYMENT FINTECHS DO TO SUCCEED?

3. SUCCESS OF FRENCH FINTECHS

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3 FINTECHS IN THE TOP 20 FASTEST GROWING COMPANIES

Payment capture

Merchant processing

Merchant acquiring

Acquiring services

WorldPay

Ingenico

Chase

Global Payments

Elavon

CardNET

Vantiv

First Data

TSYS

New entrants

Traditional players

Atos

Issuing services

GatewayCrowd-payments

Atos

Chase

TSYS

Cards Wallet

Apple Pay Alipay

Venmo Lydia Pumpkin

Mangopay

Barclays Barclays

Lemon Way

PayPal Braintree

Adyen

Stripe

Square

HiPay

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Value Chain

Blue

OceanEuropean banksEuropean banks

THEY FILL THE EMPTY SPACE LEFT BY INCUMBENTS

WWW.LEMONWAY.COM

AML + KYC + KYB…

SPECIFIC ID FOR EACH WALLET& CURRENT ACCOUNT BALANCE

MODIFICATION HISTORY

ID DETAILS FOREACH WALLET

AUTOMATIC ‘GREEN POINT’SCAN FOLLOWED BY HUMANVERIFICATION

AUTHORIZED DOCUMENTS

THEY COPE WITH THE NEW REGULATORY CONSTRAINTS

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THEY PROVIDE A POWERFUL PAYMENT & WALLET MANAGEMENT BACK-OFFICE

NO MORE BATCH

THEY PROVIDE A REAL TIME REPORTING

Notes1 Know Your Customer2 Know Your Business3 Anti-Money Launderingservices to its customers through its websites

Lemon Way masters all key services of the digital payment

Borrowers Investors LendersClients / Partners

Identity verification (KYC1, KYB2, AML3)

Funds acquisition (cards, SEPA)

Wallet managementSegregation with

banksDistribution in local

currency

On-boarding Front-office Back-office Funds safeguard Release

Crowdfunding& Gifts

On-line Retail Marketplaces Digital bankingSharing economy

High margin e-commerce

Key benefits: One stop shop Expertise and supportRegulatory compliance /

Anti-fraudScalability Speed of implementation

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THEIR APIs PROVIDE SMART AND INTEGRATED PAYMENT SERVICES FOR THE DIGITAL ECONOMY

THEY ANSWER THE NEEDS OF THE A NEW ECONOMY

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CROWDLENDING

CROWD INVESTING IN EQUITY

CROWD INVESTING IN REAL ESTATE

FACTORING

WWW.LEMONWAY.COM

PROJECT FINANCING

WWW.LEMONWAY.COM

DIGITAL BANKING

WWW.LEMONWAY.COM

HEALTHY FOOD AND DRINKS

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SOCIAL GIFTING

WEDDING LISTS

WWW.LEMONWAY.COM

TICKETING

WWW.LEMONWAY.COM

LIFESTYLE AND TRAVEL

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TRANSPORTATION

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MARKET PLACES – E-COMMERCE - FRANCHISORS

WE FOCUS ON EUROPE AND AFRICAACPR LICENSE PASSPORTEDIN 30 EUROPEAN COUNTRIES

6 OFFICES

GreeceHungaryIcelandIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlands

+ Switzerland

NorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited Kingdom

Paris (HQ)BarcelonaTurino

AustriaBelgiumBulgariaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermany

+ Serbia

LondonDakarMunich

THEY WORK AT LEAST AT THE PAN EUROPEAN LEVEL

THEY RECRUIT HEROES FROM 26 COUNTRIES

#1 PAYMENT INSTITUTION IN SPAIN

THEY TRUST LEMON WAY

60% OF THE SPANISH CROWDFUNDING MARKET-SHARE

BANKING PARTNER - ACCEPTED

COMPLIANT WITH THE CMNV (SPANISH REGULATOR)

MEMBER OF THE ‘SPAIN CROWDFUNDING’ NETWORK

ONE OFFICE IN BARCELONA

THEY ARE FAST TO EXPAND

EUROPEFRANCE

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THEY MAKE SURE TO BE RECKOGNIZED

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LEMON WAY IN FIGURES

nationalitiespeople2016 turnover

In + Out Money flows

E-merchants

marketplaces

customer accounts

2.4M 838 10k €900m €6.5m 80 25

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THANKS !

WWW.LEMONWAY.COM