Business

Introduction
Jakarta 2024
An Introduction to Yup
About Finture is a Singapore and Shanghai based Fintech company.

Established in 2020, Finture started its credit card & credit e-wallet business in Indonesia
on 30 Oct, 2021 under PT Finture Tech Indonesia.

Cooperating with local financial institutions and fintech companies, Finture has
Who we are achieved a rapid growth since its first product YUP was launched. Finture believes
everyone is eligible to have the access to easy, convenient, and affordable financial
products.

With 'For those who've been told no, we say yup!' as its slogan, Finture targets to
become one of the largest digital banks in South East Asia.
Raised US$60mm+ and Supported by Influential Investors in SEA
Fintech Space

XVC is a professional XIAOMI (1810.HK), a Sky9 Capital is a leading MindWorks is a Pan- Sampoerna Strategic BitRock Capital is a Miller Investment
venture capital firm Fortune Global 500 venture capital fund Asia venture capital Group is owned by one global investment firm Management is initially
focusing on networks, company with dedicated to investing across both of the most influential focusing on funded by the Miller
platforms, channels, smartphones and supporting disruptive Greater China and family in Indonesia — digitalization and family in the US and
applications and Self- smart hardware as its technologies and Southeast Asia. Sampoerna. Its rapidly growing has managed global
reinforcing brands core outstanding innovators Headquartered in Hong business is represented segments including multi-asset-class
to drive change and Kong with offices in in agriculture, finance, platform business, portfolios for over 18
SHUNWEI Capital, a create positive impact. Beijing, Shanghai, and property, enterprise solutions years, specializing in
top venture capital Jakarta. telecommunications and FinTech the areas of investment
founded by Lei Jun AUM USD 2 billion and timber industries management, private
(founder of XIAOMI) AUM USD 1.2 billion AUM USD 64 billion equity, and real estate

Flagship Investments: Flagship Investments: Flagship Investments: Flagship Investments: Flagship Investments: Flagship Investments: Flagship Investments:
Yup
Product Specification

Product
Credit Card & Credit E-Wallet
Revolving flexible-term credit limit Product
Grace period of 40 days (not charged any interest)
The minimum payment (20% of the bill amount)
The Installment : Bill installment + Purchase installment
• 3/6/9/12 months tenor for Installment

Usage Scenarios (Supported by 40mm+ Merchants)

QRIS Payment
Card Payment
Online payment
Multiple Payment Method, Supported by 40mm+ Merchants
100% online application process, instant approval within 10 minutes!

Card Payment QR Code Online

Value Preposition

Risk Data
Competency

100% AR for Increase AOV

repeat users by 60%

Marketing Promo 50-75 K daily trx

Collaboration 700k active transacting users
& Expossure 2.5 M monthly transactions
5 M total downloaders
18.4% approval rate

No Shadow
Multiple Payment
Limit
acceptence: QRIS, Card,
YUP app, Online (VA YUP)
More than 5 million registered users and close to 1 million transacting
users

Female users 48%

Male users 52%
YUP transaction users
770
(in thousand)
701
666 Users from age 20-40
639
77%
601
559
537
499
479
441 Avg monthly income
419
398 of users
370
USD 600

Users with bachelor

and above degrees
50+%

75% from Jakarta and Java,

Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23 25% from other provinces
Amounts to more than 2.5 million of transactions in every month with
nearly 400K transactions from ecommerces
Number of Transactions per month
3,000,000

2.5 million of transactions per month

near 400K transaction from Ecommerces
2,500,000

2,000,000

1,500,000

1,000,000

500,000

0
Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23
Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23
E-commerces 196,977 322,548 338,215 368,957
others 1,310,067 1,450,194 1,588,348 1,612,329 1,633,324 1,659,259 1,801,004 1,874,270 1,942,481 2,132,462
 Seven Small
Steps
Onboarding
1 Input phone number 2 OTP 3 Personal Data 4 Scan KTP

Flow

5 Video KYC 6 Digital Signing 7 Set PIN

Our Licenses

License Regulator Ownership/Partnership

E-Money license(PJP-1) Ownership

Fintech Lending license Ownership

Fintech Innovation Ownership

Multi-finance
+ M&A (finalizing)
Credit Card Issuer

BIN Sponsor Bank Partnership with Bank Samporena

Risk Data
Collecting, understanding, and using data is our core competency

Credit bureau and Gov Agency data

Customer application form

Eg. Historical Delinquency
Average salary in last 3/6 months

BPJS/Tax SLIK FDC

based
income
Application
form
Alternative data
Eg. Highest Education;
Age of customer

In-house technology
Telco Other digital Third Party E-Commerce
footprint Risk Service

Eg. Time on telco book

Customer lifecycle data telco Top up history
Number of enquries from fintech platform
Device In-App Black/Grey
Behavior LIst

Eg. Device OS; Eg. Device OS;

Camera pixels / screen size/ battery info; Average transaction size
User usage User repayment Utilization rate
App installed behavior behavior
Time to finish application; Transactor vs revolver
 YUP Super App

YUP Investment
Mutual Fund by Mandiri Sekuritas

YUP Insurance
Micro Insurance Products by FUSE

YUP Commerce
Travel: Flight & Hotel by Traveloka, Train by KAI
Lifestyle: Fashion, Gadget, Electronics by MAP
Bayar E-Commerce: Shopee, Tokopedia, Blibli, Lazada, etc
SOCIAL MEDIA YUP

40,000 followers

38,000 followers

1,130 followers

* As per February 2024

Thank You