- Fintech is disrupting financial services through new technologies like blockchain, AI, and digital payments. This is opening opportunities to improve access and experiences. - The global fintech market is growing rapidly, projected to increase from $3.4 trillion in 2017 to $8 trillion in 2022. Key areas of growth include digital payments, lending, and personal finance. - Africa in particular presents opportunities for fintech to promote financial inclusion and support economic development, though it also faces challenges like low access to banking and weak infrastructure. Mobile technology is driving innovation, with over half the world's mobile money accounts located in sub-Saharan Africa.

1. Innovative and successful positioning of
technology start-ups, based on specific
use cases in the FinTech space
Stefania Barbaglio
Founder and Director of Cassiopeia Services

2. TECHNOLOGY/INNOVATION is disrupting financial services, opening up new
opportunities and experiences to facilitate transactions and promote financial
inclusion. Technology development from strong use cases.
Improved Transactions + Data Resource Transfer + Access
=
ECONOMIC & SOCIETAL EVOLUTION
Fintech: Bringing Technological
Innovation to the Financial Sector
1
Data
cloud storage
Mobile banking
& payments
AI
Machine learning
BlockchainCryptocurrencies
Digital cash
Smart contracts
Key Technology Drivers

3. Global Fintech Market has Transaction Value of
US$3.4 trillion with 18.4% CAGR to 2022
2
3442.7
8018.1
2753.7
5411.4
380.6
978.4
293.7
1571.1
0
2000
4000
6000
8000
10000
12000
14000
16000
18000
2017 2022
Global market sizes in billion US$ and growth rate
Digital Payments Alternative Financing Alternative Lending Personal Finance

4. Disrupting Traditional Financial Services (banking,
payments, personal finance)
3
Resulting transactions:
ü Faster and automated
ü More accurate and transparent
ü Secured
ü Cheaper
ü More convenient
ü Integrated
Digital Payments Alternative Financing
Alternative Lending Personal Finance
Digital Commerce
Mobile POS payments
Crowd-funding
Crowd-investing
Crowd-lending
P2P Marketplace lending
Robo-Advisors
P2P Money Transfers
FOCUS ON CUSTOMER ENGAGEMENT
AND EXPERIENCE w/ new digital
communication methods
Financial institutions are now
implementing Fintech to improve and
develop their services and gain an
improved competitive stance.

5. Fintech Trends and Innovation
4
Biometric
Authentication
AI
Machine Learning
Blockchain
Smart Contracts
Alternative
Credit Scoring
Peer to Peer
Platforms
Cybersecurity Insurtech Lending
Regtech Robo-advisors Payments &
Remittanance
Banking Evolution
Fintech is the
solution for
developing
economies
with high
proportion of
population
unbanked.

6. Case Study: Africa
5
Africa has the largest
population, resources
and potential yet
remains one of the
most unbanked
regions in the world.
Challenges:
• High interest rates
• Weak traditional infrastructure
and institutional challenges
• Currency volatility
• Low data security
• Corruption and bureaucracy
• Low access to banking and
credit - low financial inclusion
• Inefficient data management
and access

7. Africa: Mobile Market
Several countries in Africa have mobile penetration rates of 100%
The African Mobile Telecom market is set to grow from:
US $60B
US $234B
6
2013
2020
TO
4x!
+21.27%
CAGR
923Million
Total subscriptions in Africa in 2017
Mobile learning market worth
US $530M in 2017
Large rural populations across Africa
are now avid users of mobile learning
technologies, while relatively few have
experienced self-paced e-learning on a
pc.
1 of the 5 major catalysts of the growth of
M-learning is the boom in mobile
learning VAS

8. Case Study: Africa Leapfrogging Technology
THE SILVER LINING: TECHNOLOGY PICK-UP (MOBILE leading REVOLUTION)
n 57.6% of the world’s 174 million active registered mobile money accounts are located in sub-
Saharan Africa
n 297 Million – internet users
n 104 Million – active social network users
n 864 Million – mobile subscription active and mobile penetration at 74% in the continent
n $60 Billion – the mobile telecoms market value
n $234 Billion – the mobile telecoms market value by 2020
n $53.222 Million – transaction value in the FinTech market space
n Transaction value expectation of annual growth rate (CAGR 2016-2020) of 23.12% resulting in
total amount of $122.308 Million in 2020
n Digital Payments with a total transaction value of $51.937 Million in 2016
7

9. Fintech Boom – Focus on Africa
n $2.2 billion in venture funding between
2010 and 2016
n Financial technology revolution; FinTech
industry worth more than $3 billion by
2020 (Ecobank)
n Fintech innovations focusing on payment
and remittance startups (41.5 per cent of
all startups)
n Lending and financing
n Opportunities increase with blockchain
technologies, smart contracts, crypto
payments and lending, mobile applications
and development & learning apps.
8
Results
n Empowerment of individuals and
communities
n Promote financial inclusion
n Support SMEs / entrepreneurships
n Wealth - economic growth
n Transparency & accountability
n Promote investment

10. Case Study: Block Commodities
Fintech Revolution comes to Agritech sector
9
OPPORTUNITIES
• Crypto Lending
• Food Traceability & Supply
Chain Visibility
• Provenance
• Maintenance
• Safety
• Agricultural Infrastructure
Optimisation
• Integrated Intelligent Data-
driven Solutions (Robo-
advisory, App Learning)
• E-commerce Promotion &
Pos Development
• Scalability
• Smart Contracts
• Financial Inclusion
• Transparency & Auditability
• Individual & Community
Empowerment
• Production Increase
• Transaction Speed &
Efficiency
• Interconnectivity
Fertilizer Provider
(21% owned by Block)
Joint Venture Partnership
Seller
OST Token
Consumer coin that acts as a
loyalty discount token for
consumer transactions
Can be spent on food, clothes,
and other day-to-day purchases
at discounted rates
Dala Token
Financial inclusion coin
delivering micro-loaning to farmers
Finances financial education,
insurance, remittances and cross
border micropayments.
The fertiliser is lent to small farm holders at lower interest rate
(12% vs 45% current interest rate).
The farmers grow and harvest the food. They only repay the loan
at this point - and we optionally give the remainder in Faces OST
token to promote e-commerce
FarmCoin
Fully regulated Asset & Infrastructure Coin
Security token used to maximise agricultural produce
optimising its infrastructure: transport, storage, access to
education, solar energy, big data collection, deep learning,
irrigation technology
Strategic Blockchain private equity investor
S
U
PPORTED
B
Y
The purpose of the project is to reduce cost and physical inefficiencies by using blockchain to lower interest
rates designated by perception not reality and increase opportunity to utilise “leapfrogging” technologies.
The net result of this is greater wealth,
for farmers and investors.Farmer 3.0