2020 TREEZOR : FRENCH BAAS LEADER Launched in June 2016 Licensed by - - PowerPoint PPT Presentation
2020 TREEZOR : FRENCH BAAS LEADER Launched in June 2016 Licensed by the French regulator (ACPR) as an Electronic money institution (EMI) with payment services Passported in Europe , Treezor can operate throughout the European Economic Area.
2020
TREEZOR : FRENCH BAAS LEADER
Launched in June 2016 Licensed by the French regulator (ACPR) as an Electronic money institution (EMI) with payment services Passported in Europe, Treezor can operate throughout the European Economic Area. Mastercard Principal Member connected to the SEPA network 100% part of Societe General Group since 2019 Top 20% startups rated by Early Metrics Top 5 Fintech FW500 Ranking 2019
OPEN-BANKING TO MEET THE NEEDS OF FINTECHS AND BANKS
Treezor is now supported by Société Générale, which brings its industrial capabilities expertise, its network and its products : payment services, foreign exchange and credit. The merger with Société Générale gives Treezor the capacity to offer an open-banking solution and meet the needs of the Fintechs & Banks with a strategy of acceleration and international development.
Agility Financial support Time-to-Market Banking Services Innovation International network Technical expertise Banking expertise
FINTECH ENABLER AND SUCCESS MAKER
Our platform today represents a hub for the best French Fintech with whom we share the energy and creativity to accelerate the digital transformation in payments.
+145M€ raised
+10M€ raised
+60M€ raised
+30M€ raised
3 clients selected in the French Fintech 120 Index !
OUR KEY FIGURES
Turnover growth (2019)
Cards issued
60
Clients
15
Billion € of Money streamed in 2019
19
Million € Turnover in 2019
80+
talents (soon more!)
40%
women (soon more!)
29
Years old average
14
nationalities (at least!)
OUR INTERNATIONAL TEAM
Paytechs Fintechs Banks Payment Regulators & Associations IT & Consulting
A UNIQUE IN-HOUSE EXPERTISE
BAAS PLATFORM 100% API
▪ Connect your interfaces Treezor’s API ▪ Offer customized payment services to your clients
Treezor manages the entire chain of payments, both in terms of acceptance and issuance.
CORE-BANKING SYSTEME KYC & COMPLIANCE SEPA PROCESSING CARD ACQUIRING CHECK ACQUIRING CARD ISSUING CARD PROCESSING X-PAY
FUNCTIONAL OVERVIEW
TREEZOR SERVICES
CASH OUT CASH IN
CARD MASTERCARD
WITHDRAWAL
SEPA TRANSFER
PERSONNAL ACCOUNT OTHER ACCOUNT
W IBAN
SEPA TRANSFER
SCT / SDD
CREDIT CARD
W IBAN
ACCEPTANCE OF LOCAL AND INTERNATIONAL PAYMENTS BIN SPONSORSHIP ONE CLICK PAYMENT VIRTUAL CARD KYC MANAGEMENT FRAUD MANAGEMENT PAYMENT PAGE INTEGRATED & CUSTOMIZED NFC BACK-OFFICE SEGREGATED ACCOUNTS FEE COLLECTION 3-D SECURE
REGULATORY OPTIONS
Treezor license + platform Treezor BIN Sponsorship : Scheme Mastercard Core-Banking & IBAN Treezor KYC & Compliance included
months to launch your Digital Banking solution Treezor only as technical provider Scheme choice KYC & Compliance under your responsibility
BANK
Core-Banking Treezor & Your IBAN
months to launch your Digital Banking solution
OUR STRENGHTS
Quick time to the market thanks to our licenses A secure and reliable 100 API-based platform Tailored technical support The most innovative payment card issuing solution A committed and experienced team An innovative solution for the European market Tailor-made offers and competitive prices A one-stop shop platform for all payment services Real time transactions, improving the UX Data hosted in France / Europe
CEO Grégoire Bourdin
Expert du secteur financier Co-fondateur de Treezor CEO HiPay
CTO Xavier Labouret
Expert en systèmes d’information Co-fondateur de Treezor Co-fondateur d’Ameliste
COO Eric Lassus
Expert de l’industrie du paiement Co-fondateur de Treezor Co-fondateur d’Ameliste
FOUNDERS
2005 : Contrôleur Financier chez Omnicom 2007 : Auditeur Télécom/média chez KPMG 2008 : Directeur Financier de HiMedia. 2012 : CFO de BJ Invest, gestion de la stratégie d’investissement 2014 : Co-fondateur de Treezor, 1ere plateforme française de Bank-as-a-Service. 2016 : CEO Hipay 1988 : Ingénieur IBM, architecte des systèmes d’informations grands comptes. 2003 : Manageur International au sein de Euroclear Bank, Projets stratégiques. 2006 : Co-fondateur du site 1er site de liste de mariage en ligne AMELISTE. 2014 : Co-fondateur de Treezor, 1ere plateforme française de Bank-as-a-Service; 1998 : Responsable Matériel chez Vinci au Gabon. 2000 : Consultant en Organisation & SI Banque au sein de Mega Internationnal. 2002 : Architecte SI pour le compte de Euroclear. 2006 : Co-fondateur du site 1er site de liste de mariage en ligne AMELISTE. 2014 : Co-fondateur de Treezor, 1ere plateforme française de Bank-as-a-Service;
SERVICE OVERVIEW
ACQUIRING PAYMENT PROCESSING CARD ISSUING BIN SPONSORSHIP SEPA PAYMENTS WIRE TRANSFER & DIRECT DEBIT MARKETPLACE CROWDFUNDING
CORE-BANKING E-WALLET KYC COMPLIANCE
KYC
Treezor provides a white label KYC (Consumer) / KYB (Business) service, available through API, to verify the identity of account holders or cardholders. This digital solution is based on an automatic analysis of supporting documents and a manual verification of the entire file transmitted by a Treezor agent. ID, passport, proof of address, residence permit ... This service meets the regulatory obligations in the fight against money laundering and terrorism. As a certified payment institution, Treezor is responsible for protecting the information collected.
CARD ISSUING
Our solution offers the possibility to issue payment cards fully customized with your brand to best suit the development of your business in Europe. Treezor takes care of the implementation of the card program with the different partners (scheme, processor, card printer ...) and allows you to quickly launch your product. The Treezor solution allows the creation of tailored card programs for businesses and consumers around specific uses: payment, incentive, gift ... The offer is based on a Mastercard payment card, physical or virtual, associated with an account (wallet).
IN APP/ONLINE STATE OF THE ART CARD MANAGEMENT
Main available features : ▪ PIN code customization ▪ Card freeze (on/off) ▪ Virtual card ▪ Apple Pay / Samsung Pay / Google Pay ▪ Setting of card limits (payments, withdrawals ...) ▪ On/off settings (Withdrawals, Online Payments , Contactless ) ▪ Controls
+ Capability to inform cardholders in real time thus drastically reducing direct customer inquiries and saving a lot of time for both employees and customers.
My Card
NEOBANK
Treezor Core-banking system provides the opportunity to quickly develop innovative financial products by limiting investment, risk and development time. A solution via API that simplifies integration and offers a quick time-to-market to our clients whom can therefore stay focused on their Marketing, brand identity, client service… Treezor is able to assign for each user whose KYC is validated, a wallet with a dedicated IBAN FR and a payment card, physical or virtual, personalized. Treezor ensures the protection of the personal and financial data collected, and is in charge of the several reportings requested by the schemes and regulator.
BUSINESS CASE
THE PROJECT ▪ Created in 2011, Lydia launched its payment application in 2013. Originally, it was developed to be a peer-to-peer payment application, aiming at easing the way people can pay back their debts and share money digitally between friends, by registering any bank card into the app and paying by scanning the QR code of a friend having registered the app too. ▪ In 2020 the company made its biggest roundtable raise with Tencent. THE MARKET KEY FIGURES ▪ In France, 3 million people already use the Lydia application ▪ Expanding in new EU markets ▪ Tranforming into a B2C neobank ▪ More than 53 million euros raised (40 millions in 2020) PARTNERSHIP WITH TREEZOR ▪ 150,000+ active virtual and physical cards ▪ First application to get Apple Pay in France ▪ Instant virtual card issuing ▪ Real-time card limits & restrictions management ▪ Real-time payment notifications ▪ Card printing with innovative design
TIME-TO-MARKET 4 MONTHS ACTIVE CARDS 150,000+ WITH
BUSINESS CASE
PROJET ▪ In January 2017, Lunchr was officially announced. ▪ The idea behind the project is to revolutionize the lunch break and corporate lunch industry. The idea was to replace the traditional paper meal vouchers distributed by the companies to their employees, by offering a digital solution paired with a bank card. THE MARKET KEY FIGURES ▪ In France, 4 million employees use meal vouchers ▪ The market includes 140,000 private and public companies alike ▪ 180,000 restaurants and merchants accept them as a payment ▪ Lunchr already raised 45 million euros ▪ More than 7,500 companies distribute meal vouchers to their employees with Lunchr PARTNERSHIP WITH TREEZOR ▪ More than 100,000 active cards (daily usage for lunch) ▪ First Food application to be compatible with Xpays in France (G Pay, Apple Pay) ▪ Real-time card limits & restrictions management ▪ Real-time payment notifications ▪ Built-in regulatory limits (19 euros per day), Built-in whitelist of merchants, Built-in timeslots for authorised usage ▪ Co-branding of the card printing ▪ Different packaging for expedition
TIME-TO-MARKET 3 MONTHS ACTIVE CARDS 100,000+ WITH
VOUS DONNER LES MOYENS
A neobank for professionals
February 2020
PRISMEA is a NEOBANK FOR PROFESSIONALS (FREELANCE, AUTO- ENTREPRENEURS, LIBERAL PROFESSIONS), ARTISANS AND TPE/SME.
Services that make financial management easier
The aim is to provide to customers, in a mainly digital format (mobile and web), value-added services that facilitate the day-to-day financial management of their business (billing, managing expenses, anticipating cash requirements, etc.) A professional account with a simplified opening in less than 10 minutes The aggregation of bank accounts for multi-banked customers A cash forecasting tool A financial management dashboard In the long term, short-term financing in the form of instant credit, based on Prismea's own score.
DATA WITHIN SOLUTION
Quick and easy instant credit Smart, personalized advice
Account aggregator Connection to accounting tools Instant payment Real-time cash Real-time business vision Categorization bank entries