MicroMoney search trends in Google
Table of Content
Our History: Two
ork Performance Summary
Scoring App Powered by Artificial Neural Network
The Values That We Provide
MicroMoney for Crypto Community: Developing Crypto Ecosystem
eople: Providing Micro-loans and Creating Reliable Credit Histories
usiness: Acquiring New Customers by
ur Big Data
MicroMoney for Local Partners: Scaling Business Worldwide
Combined Operation Diagram
Are We Starting
tarting from Asia and
Africa General Investment Summary for Asia in 5
Years Business Expansion
There are still more than 2 billion unbanked
in the world. These people are
local and global econom
as they still us
cash and don't have
access to basic financial services. Taking out a loan is a great challenge for them as well
a credit history.
MicroMoney’s mission is to solve this problem.
MicroMoney was established as a microfinance institution and has sharpened the
business to become
decentralized Open Source Credit & Big Data Bureau on
lockchain. Since 2015, we provide individuals and SMEs with short-term loans as the best
solution for their financial needs. MicroMoney uses innovative risk scoring powered by
artificial neural network.
In the long
run, we are able to help 2 billion unbanked and underbanked people to build
a multi-purpose digital identity, creditworthiness, and financial reputation. Wi...
Consider changing to:
Financial services for unbanked and underbanked, Big Data,
technology and A.I. scoring for business. All this combined with worldwide
franchise constitute MicroMoney ecosystem.
Currently, MicroMoney is establishing new branches in Indonesia, Sri Lanka, and the
ext target countries are Vietnam, Malaysia, Singapore, Hong Kong,
Nigeria, and China as a promising market. These branches will start operating in Q3
2017 - Q1 2018. For the purpose of further business expansion and developing new
products, MicroMoney has decided to start a Token
According to a McKinsey Report, in 2010 2.5 billion adults, just over half of
population, did not use formal financial services to save or borrow. Despite the movement
towards financial inclusiveness, in 2017 there are still about 2 billion people in the world
without formal banking. That means they are forced to use cash in their daily life and have no
chance to address their urgent needs by applying for banking services. Borrowing from
friends and family is the most common source of urgent finances because their loan
applications are hardly approved by banks. The reason is always the same: they have no
credit history. Although financial organizations declare that there are fewer
unbanked each year, those who remain in an unbanked or underbanked status do not have
an easy way to solve their situation.
What are the trickiest things for banks to
such people into their
merging markets show interesting statistics: they have a high percentage of the
unbanked and underbanked, and
high penetration of Internet and mobile services
at the same time.
Here are some examples of countries and regions demonstrating these trends:
Africa (population: 1.1 billion)
India (population: 1.3 billion)
80% of the population do
not have a bank account
but 63 out of 100 people use mobile phones. Experts
expect this factor to help
the banking services
as it provides an opportunity to
unbanked individuals to access banking services via
their mobile phones.
Currently, India is the world’s fastest growing Internet
user base growth of 51
in 2015. Ho
wever, India’s unbanked population
ould be the w
. A report
Asian region overall
to be the
(population: 800 million)
world’s fastest growing Internet region by 2020. It
growing amount of Internet users,
extending mobile phones penetration and
increasing usage of social networks.
According to Google and Temasek, by 2025 the South East Asian Internet economy is
expected to reach
200 billion, strengthening its already strong and growing GDP of
2.5 trillion. With its mobile connection growth rate higher than the global average (124% vs.
), and its Internet speed expected to reach the global average of 23.3 Mbps
soon, the region’s Internet industry is flourishing. Furthermore, as of January 2017, social
media penetration of its member countries is high
(statement out of the blue, needs
At the same time, only 27% of the South East Asian population has a bank account. In ...
The Global Problem
As people worldwide lack access to basic financial services, they have limited capacity to
overcome poverty and to increase their living standards. That implies
lack of access to
both banking services (loans, mortgages, or bank accounts) and access to all other services
and opportunities. No credit history means limited access to bank
means no loans
, no credit history… However, there is hope to break this vicious circle.
There is a large percentage of unbanked
individuals in the
Asia-Pacific Region, which is now
home to more than half of the world’s internet users, 54% of the world’s social media users,
and 56% of all mobile social media users. This trend proves that although most Asian people
may be unbanked, digital services and innovative solutions have improved people’s lives.
And we are here to help bring
those millions of
to the new global crypto eco...
Giving micro money to people
MicroMoney is a team of professionals experienced in working in emerging markets.
e 196 c
ountries in the world, and 100
ho are our pot
ential clients? They are more than 2 billion of unbanked people,
they run cash-only households, have no credit history, have no debts, and widely use
acebook. They are
called “blue collars” and “white collars”, and
SMEs. Their monthly income is around $200-500.
This implies a huge amount of new customers and we are here to bring them to the new
global crypto economy.
In an emerging market, a smartphone can tell us everything we need about its owner, so
that we can estimate his/her creditworthiness
No joke, your smartphone knows you
much better than even your best friend.
So we made an
In December 2015, we started our business with: $30,000 of initial capital 3 employees in a team first 20 customers, and all the processes in Excel and Google docs
Started to develop the Decentalized Credit bureau: 35 people team 23.000 unique registered users
Now Indonesia, Sri Lanka, Thailand
In 2017, the current value of the company is $1.85 mln 85 people in the team 95,000+ unique registered users 500,000+ Facebook page likes
$1,000,000 Vietnam, Malaysia, Singapore, Nigeria
Launch of the Decentalized Open Source Credit bureau based on Blockchain and start of global expanding More than 100,000 unique customers
$5,000,000 China, Hong Kong, Taiwan, South Korea
More than 300,000 unique customers
$10,000,000 India, Africa
More than 1,000,000 unique customers
$15,000,000 Latin America
More than 5,000,000 unique customers
$30,000,000 Middle East, Europe, the USA
More than 25,000,000 unique customers