{
  "docId": "019dd923-5f69-752d-a9b5-820b21ee1155",
  "docSlug": "EUIvDLSeAMjJnoF63Dj0",
  "documentTitle": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million",
  "authorId": "Pitchdecks",
  "authorName": "Fintern",
  "documentKindSlug": "pitchdeck",
  "documentKindLabel": "Pitch deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.78,
  "pageNumber": 8,
  "pageCount": 11,
  "prevPage": 7,
  "nextPage": 9,
  "slideType": "traction",
  "function": "show_traction",
  "density": "overcrowded",
  "nDataPoints": 27,
  "notes": "The chart shows 3 lines: market_pd (red), 50% market_pd (black), and 3MIA (purple). The 3MIA line starts at month 6.",
  "elementsJson": [
    "action_title",
    "line_chart",
    "paragraph"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5f69-752d-a9b5-820b21ee1155/8",
  "deckHref": "/decks/019dd923-5f69-752d-a9b5-820b21ee1155",
  "deckJsonHref": "/decks/019dd923-5f69-752d-a9b5-820b21ee1155.json",
  "deckAnchorHref": "/decks/019dd923-5f69-752d-a9b5-820b21ee1155#slide-8",
  "components": [
    {
      "bbox": {
        "h": 0.08,
        "w": 0.36,
        "x": 0.61,
        "y": 0.68
      },
      "kind": "callout",
      "text": "This enables us to achieve >50% reduction in credit losses vs market",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "28f82e20-9290-4634-b280-24e8a62a630e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.55,
        "x": 0.035,
        "y": 0.25
      },
      "kind": "chart",
      "text": "Arrears performance vs. market PD and plan",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c2f63a4e-3f01-4271-90d2-f2cc5b83b2de",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "credit losses: >50%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd952-9d67-7119-9fe0-4d6537541850",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.36,
        "x": 0.61,
        "y": 0.52
      },
      "kind": "paragraph",
      "text": "Our analytics identifies customers with characteristics that are intrinsically “prime” sitting within the near-prime pool that are mis-classified due to coarse behavioural credit scoring",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "46bafd2d-7462-4a65-b449-c94faa354271",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.36,
        "x": 0.61,
        "y": 0.37
      },
      "kind": "paragraph",
      "text": "Our technology allows us to achieve better-than-market risk discrimination by integrating Open Banking transaction data and other alternative data with traditional credit analytics",
      "attrs": null,
      "subkind": "paragraph",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d0a5215d-3ec5-4a2d-a2fd-c0846ca57d89",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.91,
        "x": 0.035,
        "y": 0.045
      },
      "kind": "title",
      "text": "Our loan portfolio is performing significantly better than expected, validating the outperformance of our underwriting",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7e7ed72b-649c-45a0-990f-d9640ef06f45",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.35,
        "x": 0.035,
        "y": 0.185
      },
      "kind": "title",
      "text": "Fintern loans bad rate vs plan and market",
      "attrs": null,
      "subkind": "subtitle",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "07598b0b-e8bf-469c-954e-f8276e4a4263",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "AIDA Model",
      "slug": "aida-model",
      "agent": "Storyteller",
      "layer": "slide",
      "matchId": "f98bc7a2-0f82-4a72-88c7-c9bab3ce9ded",
      "evidence": "paragraph/paragraph: Our analytics identifies customers with characteristics that are intrinsically 'prime' sitting within the near-prime pool that are mis-classified due to coarse behavioural credit scoring",
      "confidence": 0.6
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 10,
      "from": 8,
      "beatId": "4278cd9a-0ffc-4bd3-9c15-1d4bd7965ec1",
      "arcName": "Problem-Agitate-Solution",
      "arcSlug": "problem-agitate-solution",
      "beatName": "Traction",
      "beatSlug": null,
      "evidence": "Slides 8-10 provide traction and validation of the solution",
      "position": 5,
      "confidence": 0.8,
      "parentBeatName": null,
      "parentBeatSlug": null
    }
  ],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}