SlideShare une entreprise Scribd logo
1  sur  11
Télécharger pour lire hors ligne
BUILDING A DIGITAL LENDING BUSINESS
RITESH THADANI
1
BUILDING A DIGITAL LENDING BUSINESS
Building a Digital Lending Business
ABOUT POLLEN VC
• Global App Marketplace is a $25Bn market growing to
$142Bn within three years*
• We help app developers unlock their app store earnings
early to fuel growth and deploy venture capital
more efficiently
• New data-driven approach to lending - our tech platform
connects directly to central billing system for digital products
to price risk in real time
*Source:Vision Mobile Developer Economics Survey Feb 2014
2
BUILDING A DIGITAL LENDING BUSINESS
PROBLEM: PLATFORMS ONLY
PAY OUT REVENUE UP TO
60+ DAYS AFTER YOU’VE
EARNED IT.
LAUNCH
You’re earning money from
day 1
This is your money
trapped in the payment system
Platforms
release your
cash…
3
BUILDING A DIGITAL LENDING BUSINESS
Reinvest directly
into advertising
Acquire more users
more quickly
Draw down earnings
on a daily basis
A NEW WAY…
4
BUILDING A DIGITAL LENDING BUSINESS
TYPICAL LAUNCH SCENARIO
LAUNCH
Fail to get
credit with
ad networks
Can’t
reinvest to
acquire more
users
Get paid by
platforms
DOWNLOADS REVENUE
Revenue/Downloads
Jan 2015 Feb 2015 Mar 2015 Apr 2015 May 2015 Jun 2015 Jul 2015
5
BUILDING A DIGITAL LENDING BUSINESS
6
BUILDING A DIGITAL LENDING BUSINESS
FUNDING FOR FINTECH
Building a Digital Lending Business
Amount $
Capital Markets
Banks
Family Offices
Equity Capital
Data/Model Validation
7
BUILDING A DIGITAL LENDING BUSINESS
DIGITAL
Creation and shipping of physical
goods
Invoices created at end of month
and posted/emailed. Paid
30,45,60 day terms
Advertising booked weeks in
advance - eg TV campaigns, direct
mailings
Factoring/Discounting solutions
available to shorten cycles at a
cost
App Store Marketplace - Real time
economics
Consumers purchase digital product
real-time - billed to credit cards
instantly
Advertising purchased in real time
through RTB exchanges
Lack of financial products eg invoice
financing
30 days is a long time. 60 days is an
eternity!
VS
OLD WORLD COMPARISON
PHYSICAL
8
BUILDING A DIGITAL LENDING BUSINESS
STRUCTURE
9
BUILDING A DIGITAL LENDING BUSINESS
GROWTH IN THE LONG TAIL
Building a Digital Lending Business
•c. 70,000 developers making more than $10k/year
across iOS and Google Play
•L-Shaped revenue curve is flattening out
•More opportunities for developers in the long tail
•User acquisition becoming better understood
10
THANK YOU
ritesh@pollen.vc
@thadani
Follow us at @PollenVC

Contenu connexe

Tendances

SXSW 2016 takeaways
SXSW 2016 takeawaysSXSW 2016 takeaways
SXSW 2016 takeawaysHavas
 
The State of Enterprise Software
The State of Enterprise SoftwareThe State of Enterprise Software
The State of Enterprise SoftwareGreylock Partners
 
Creative Planning @ Miami Ad School
Creative Planning @ Miami Ad SchoolCreative Planning @ Miami Ad School
Creative Planning @ Miami Ad SchoolThe Planning Lab
 
Social Media Marketing Trends 2023 // The Global Indie Insights
Social Media Marketing Trends 2023 // The Global Indie InsightsSocial Media Marketing Trends 2023 // The Global Indie Insights
Social Media Marketing Trends 2023 // The Global Indie InsightsKurio // The Social Media Age(ncy)
 
DESIGN THE PRIORITY, PERFORMANCE 
AND UX
DESIGN THE PRIORITY, PERFORMANCE 
AND UXDESIGN THE PRIORITY, PERFORMANCE 
AND UX
DESIGN THE PRIORITY, PERFORMANCE 
AND UXPeter Rozek
 
How to Use Social Media to Influence the World
How to Use Social Media to Influence the WorldHow to Use Social Media to Influence the World
How to Use Social Media to Influence the WorldSean Si
 
50 Essential Content Marketing Hacks (Content Marketing World)
50 Essential Content Marketing Hacks (Content Marketing World)50 Essential Content Marketing Hacks (Content Marketing World)
50 Essential Content Marketing Hacks (Content Marketing World)Heinz Marketing Inc
 
The Hero's Journey (For movie fans, Lego fans, and presenters!)
The Hero's Journey (For movie fans, Lego fans, and presenters!)The Hero's Journey (For movie fans, Lego fans, and presenters!)
The Hero's Journey (For movie fans, Lego fans, and presenters!)Dan Roam
 
20 Tweetable Quotes to Inspire Marketing & Design Creative Genius
20 Tweetable Quotes to Inspire Marketing & Design Creative Genius20 Tweetable Quotes to Inspire Marketing & Design Creative Genius
20 Tweetable Quotes to Inspire Marketing & Design Creative GeniusIMPACT Branding & Design LLC
 
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNS
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNSTHE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNS
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNSunfunnel
 
60 Minute Brand Strategist: Extended and updated hard cover NOW available.
60 Minute Brand Strategist: Extended and updated hard cover NOW available.60 Minute Brand Strategist: Extended and updated hard cover NOW available.
60 Minute Brand Strategist: Extended and updated hard cover NOW available.Idris Mootee
 
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdf
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdfKiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdf
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdfssuser62db4d1
 
The Future of Everything
The Future of EverythingThe Future of Everything
The Future of EverythingCharbel Zeaiter
 
Pitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to othersPitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to othersJeroen van Geel
 
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen Horowitz
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen HorowitzYuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen Horowitz
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen HorowitzPitch Decks
 
Future of advertising: Agency as a platform
Future of advertising: Agency as a platformFuture of advertising: Agency as a platform
Future of advertising: Agency as a platformAjinkya Pawar
 

Tendances (20)

SXSW 2016 takeaways
SXSW 2016 takeawaysSXSW 2016 takeaways
SXSW 2016 takeaways
 
The State of Enterprise Software
The State of Enterprise SoftwareThe State of Enterprise Software
The State of Enterprise Software
 
Creative Planning @ Miami Ad School
Creative Planning @ Miami Ad SchoolCreative Planning @ Miami Ad School
Creative Planning @ Miami Ad School
 
Social Media Marketing Trends 2023 // The Global Indie Insights
Social Media Marketing Trends 2023 // The Global Indie InsightsSocial Media Marketing Trends 2023 // The Global Indie Insights
Social Media Marketing Trends 2023 // The Global Indie Insights
 
Rewind Pitch Deck
Rewind Pitch DeckRewind Pitch Deck
Rewind Pitch Deck
 
DESIGN THE PRIORITY, PERFORMANCE 
AND UX
DESIGN THE PRIORITY, PERFORMANCE 
AND UXDESIGN THE PRIORITY, PERFORMANCE 
AND UX
DESIGN THE PRIORITY, PERFORMANCE 
AND UX
 
How to Use Social Media to Influence the World
How to Use Social Media to Influence the WorldHow to Use Social Media to Influence the World
How to Use Social Media to Influence the World
 
50 Essential Content Marketing Hacks (Content Marketing World)
50 Essential Content Marketing Hacks (Content Marketing World)50 Essential Content Marketing Hacks (Content Marketing World)
50 Essential Content Marketing Hacks (Content Marketing World)
 
The Hero's Journey (For movie fans, Lego fans, and presenters!)
The Hero's Journey (For movie fans, Lego fans, and presenters!)The Hero's Journey (For movie fans, Lego fans, and presenters!)
The Hero's Journey (For movie fans, Lego fans, and presenters!)
 
Growth Hacking
Growth HackingGrowth Hacking
Growth Hacking
 
20 Tweetable Quotes to Inspire Marketing & Design Creative Genius
20 Tweetable Quotes to Inspire Marketing & Design Creative Genius20 Tweetable Quotes to Inspire Marketing & Design Creative Genius
20 Tweetable Quotes to Inspire Marketing & Design Creative Genius
 
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNS
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNSTHE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNS
THE SCIENCE BEHIND EFFECTIVE FACEBOOK AD CAMPAIGNS
 
60 Minute Brand Strategist: Extended and updated hard cover NOW available.
60 Minute Brand Strategist: Extended and updated hard cover NOW available.60 Minute Brand Strategist: Extended and updated hard cover NOW available.
60 Minute Brand Strategist: Extended and updated hard cover NOW available.
 
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdf
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdfKiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdf
Kiwi SaaS Metrics That Matter 2023^LLJ r2.2.pdf
 
Tbwa speech
Tbwa speechTbwa speech
Tbwa speech
 
The roadmap
The roadmapThe roadmap
The roadmap
 
The Future of Everything
The Future of EverythingThe Future of Everything
The Future of Everything
 
Pitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to othersPitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to others
 
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen Horowitz
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen HorowitzYuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen Horowitz
Yuga Labs Pitch Deck: BAYC founders raised $450M from Andreesen Horowitz
 
Future of advertising: Agency as a platform
Future of advertising: Agency as a platformFuture of advertising: Agency as a platform
Future of advertising: Agency as a platform
 

En vedette

Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Burton Lee
 
7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't have7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't haveYan Cui
 
A Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media StrategyA Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media StrategyGalvanize
 
Ultimate Guide to Funnel Optimization
Ultimate Guide to Funnel OptimizationUltimate Guide to Funnel Optimization
Ultimate Guide to Funnel OptimizationSean Johnson
 
how to build a growth hacking culture
how to build a growth hacking culturehow to build a growth hacking culture
how to build a growth hacking cultureAaron Ginn
 
Using Analytics To Make Smart HR Decisions
Using Analytics To Make Smart HR DecisionsUsing Analytics To Make Smart HR Decisions
Using Analytics To Make Smart HR DecisionsBambooHR
 
data science @NYT ; inaugural Data Science Initiative Lecture
data science @NYT ; inaugural Data Science Initiative Lecturedata science @NYT ; inaugural Data Science Initiative Lecture
data science @NYT ; inaugural Data Science Initiative Lecturechris wiggins
 
Visualising Data with Code
Visualising Data with CodeVisualising Data with Code
Visualising Data with CodeRi Liu
 
Acquire New Users with Better Activation
Acquire New Users with Better ActivationAcquire New Users with Better Activation
Acquire New Users with Better ActivationConrad Wadowski
 
Net Promoter Score Pitfalls to Avoid
Net Promoter Score Pitfalls to AvoidNet Promoter Score Pitfalls to Avoid
Net Promoter Score Pitfalls to AvoidAureus Analytics
 
Hype vs. Reality: The AI Explainer
Hype vs. Reality: The AI ExplainerHype vs. Reality: The AI Explainer
Hype vs. Reality: The AI ExplainerLuminary Labs
 
13 Inspiring Quotes about Design
13 Inspiring Quotes about Design13 Inspiring Quotes about Design
13 Inspiring Quotes about DesignEthos3
 
Examples of Good and Bad Slides
Examples of Good and Bad SlidesExamples of Good and Bad Slides
Examples of Good and Bad SlidesAmanda627
 
Bad PowerPoint Example
Bad PowerPoint ExampleBad PowerPoint Example
Bad PowerPoint Examplemiddletonat
 
TEDx Manchester: AI & The Future of Work
TEDx Manchester: AI & The Future of WorkTEDx Manchester: AI & The Future of Work
TEDx Manchester: AI & The Future of WorkVolker Hirsch
 
Startup Metrics for Pirates
Startup Metrics for PiratesStartup Metrics for Pirates
Startup Metrics for PiratesDave McClure
 
The Future Of Work & The Work Of The Future
The Future Of Work & The Work Of The FutureThe Future Of Work & The Work Of The Future
The Future Of Work & The Work Of The FutureArturo Pelayo
 
Good and Bad Power Point Examples Ed Tech
Good and Bad Power Point Examples Ed TechGood and Bad Power Point Examples Ed Tech
Good and Bad Power Point Examples Ed TechLynnylu
 

En vedette (20)

Enabling Autonomy
Enabling AutonomyEnabling Autonomy
Enabling Autonomy
 
CSS Grid Layout
CSS Grid LayoutCSS Grid Layout
CSS Grid Layout
 
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
 
7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't have7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't have
 
A Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media StrategyA Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media Strategy
 
Ultimate Guide to Funnel Optimization
Ultimate Guide to Funnel OptimizationUltimate Guide to Funnel Optimization
Ultimate Guide to Funnel Optimization
 
how to build a growth hacking culture
how to build a growth hacking culturehow to build a growth hacking culture
how to build a growth hacking culture
 
Using Analytics To Make Smart HR Decisions
Using Analytics To Make Smart HR DecisionsUsing Analytics To Make Smart HR Decisions
Using Analytics To Make Smart HR Decisions
 
data science @NYT ; inaugural Data Science Initiative Lecture
data science @NYT ; inaugural Data Science Initiative Lecturedata science @NYT ; inaugural Data Science Initiative Lecture
data science @NYT ; inaugural Data Science Initiative Lecture
 
Visualising Data with Code
Visualising Data with CodeVisualising Data with Code
Visualising Data with Code
 
Acquire New Users with Better Activation
Acquire New Users with Better ActivationAcquire New Users with Better Activation
Acquire New Users with Better Activation
 
Net Promoter Score Pitfalls to Avoid
Net Promoter Score Pitfalls to AvoidNet Promoter Score Pitfalls to Avoid
Net Promoter Score Pitfalls to Avoid
 
Hype vs. Reality: The AI Explainer
Hype vs. Reality: The AI ExplainerHype vs. Reality: The AI Explainer
Hype vs. Reality: The AI Explainer
 
13 Inspiring Quotes about Design
13 Inspiring Quotes about Design13 Inspiring Quotes about Design
13 Inspiring Quotes about Design
 
Examples of Good and Bad Slides
Examples of Good and Bad SlidesExamples of Good and Bad Slides
Examples of Good and Bad Slides
 
Bad PowerPoint Example
Bad PowerPoint ExampleBad PowerPoint Example
Bad PowerPoint Example
 
TEDx Manchester: AI & The Future of Work
TEDx Manchester: AI & The Future of WorkTEDx Manchester: AI & The Future of Work
TEDx Manchester: AI & The Future of Work
 
Startup Metrics for Pirates
Startup Metrics for PiratesStartup Metrics for Pirates
Startup Metrics for Pirates
 
The Future Of Work & The Work Of The Future
The Future Of Work & The Work Of The FutureThe Future Of Work & The Work Of The Future
The Future Of Work & The Work Of The Future
 
Good and Bad Power Point Examples Ed Tech
Good and Bad Power Point Examples Ed TechGood and Bad Power Point Examples Ed Tech
Good and Bad Power Point Examples Ed Tech
 

Similaire à Pollen VC Building A Digital Lending Business

The Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology ConferenceThe Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology ConferenceHyperwallet
 
Prepare to join the App Millionaires Club
Prepare to join the App Millionaires ClubPrepare to join the App Millionaires Club
Prepare to join the App Millionaires ClubPollen VC
 
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementBeyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementCentric Consulting
 
Unlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast AsiaUnlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast AsiaPuja Pramudya
 
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionAgile Impact
 
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionAgile Impact Conference
 
State of the Industry Real Estate
State of the Industry  Real EstateState of the Industry  Real Estate
State of the Industry Real EstateFYA Media Group
 
OfferSavvy Pitch Deck Oct 2014
OfferSavvy Pitch Deck Oct 2014OfferSavvy Pitch Deck Oct 2014
OfferSavvy Pitch Deck Oct 2014Justin W. Boggs
 
Bootcamp Voor Groei
Bootcamp Voor Groei Bootcamp Voor Groei
Bootcamp Voor Groei Taïs Croes
 
The Big Willow overview and client uses cases
The Big Willow overview and client uses casesThe Big Willow overview and client uses cases
The Big Willow overview and client uses casesNeil Passero ★
 
Qwikwire investment pitch deck 6 2014
Qwikwire investment pitch deck 6 2014Qwikwire investment pitch deck 6 2014
Qwikwire investment pitch deck 6 2014Gerry Cruz
 
2020's Leading Fintech Companies to Watch
2020's Leading Fintech Companies to Watch2020's Leading Fintech Companies to Watch
2020's Leading Fintech Companies to WatchThe Business Fame
 
Webinar 16th april digital marketing workshop for entrepreneurs & retailers
Webinar 16th april   digital marketing workshop for entrepreneurs & retailersWebinar 16th april   digital marketing workshop for entrepreneurs & retailers
Webinar 16th april digital marketing workshop for entrepreneurs & retailersSocial Beat
 
Prepare to Join the App Millionaires Club | Martin Macmillan
Prepare to Join the App Millionaires Club | Martin MacmillanPrepare to Join the App Millionaires Club | Martin Macmillan
Prepare to Join the App Millionaires Club | Martin MacmillanJessica Tams
 
Mad vid s pitch deck
Mad vid s pitch deckMad vid s pitch deck
Mad vid s pitch deckrdeverywhere
 

Similaire à Pollen VC Building A Digital Lending Business (20)

The Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology ConferenceThe Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology Conference
 
Prepare to join the App Millionaires Club
Prepare to join the App Millionaires ClubPrepare to join the App Millionaires Club
Prepare to join the App Millionaires Club
 
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementBeyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement
 
Unlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast AsiaUnlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast Asia
 
Digital marketing services
Digital marketing servicesDigital marketing services
Digital marketing services
 
Denis Terpanov, Pollen VC
Denis Terpanov, Pollen VCDenis Terpanov, Pollen VC
Denis Terpanov, Pollen VC
 
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
 
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
 
State of the Industry Real Estate
State of the Industry  Real EstateState of the Industry  Real Estate
State of the Industry Real Estate
 
OfferSavvy Pitch Deck Oct 2014
OfferSavvy Pitch Deck Oct 2014OfferSavvy Pitch Deck Oct 2014
OfferSavvy Pitch Deck Oct 2014
 
The future of banking
The future of banking The future of banking
The future of banking
 
Bootcamp Voor Groei
Bootcamp Voor Groei Bootcamp Voor Groei
Bootcamp Voor Groei
 
The Big Willow overview and client uses cases
The Big Willow overview and client uses casesThe Big Willow overview and client uses cases
The Big Willow overview and client uses cases
 
Qwikwire investment pitch deck 6 2014
Qwikwire investment pitch deck 6 2014Qwikwire investment pitch deck 6 2014
Qwikwire investment pitch deck 6 2014
 
2020's Leading Fintech Companies to Watch
2020's Leading Fintech Companies to Watch2020's Leading Fintech Companies to Watch
2020's Leading Fintech Companies to Watch
 
Webinar 16th april digital marketing workshop for entrepreneurs & retailers
Webinar 16th april   digital marketing workshop for entrepreneurs & retailersWebinar 16th april   digital marketing workshop for entrepreneurs & retailers
Webinar 16th april digital marketing workshop for entrepreneurs & retailers
 
Digital launchpad brochure final
Digital launchpad brochure finalDigital launchpad brochure final
Digital launchpad brochure final
 
Prepare to Join the App Millionaires Club | Martin Macmillan
Prepare to Join the App Millionaires Club | Martin MacmillanPrepare to Join the App Millionaires Club | Martin Macmillan
Prepare to Join the App Millionaires Club | Martin Macmillan
 
Avenues for Revenue for Mint.com
Avenues for Revenue for Mint.comAvenues for Revenue for Mint.com
Avenues for Revenue for Mint.com
 
Mad vid s pitch deck
Mad vid s pitch deckMad vid s pitch deck
Mad vid s pitch deck
 

Plus de Pollen VC

Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021Pollen VC
 
PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020 PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020 Pollen VC
 
The Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User AcquisitionThe Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User AcquisitionPollen VC
 
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanHow to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanPollen VC
 
Playcrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePlaycrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePollen VC
 
Pollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC
 
Pollen VC App Promotion Summit 2014
Pollen VC App Promotion Summit 2014Pollen VC App Promotion Summit 2014
Pollen VC App Promotion Summit 2014Pollen VC
 
Alternative Funding for Game Developers
Alternative Funding for Game DevelopersAlternative Funding for Game Developers
Alternative Funding for Game DevelopersPollen VC
 
The Funding Gap
The Funding GapThe Funding Gap
The Funding GapPollen VC
 
How to successfully launch your mobile game
How to successfully launch your mobile gameHow to successfully launch your mobile game
How to successfully launch your mobile gamePollen VC
 

Plus de Pollen VC (10)

Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021
 
PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020 PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020
 
The Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User AcquisitionThe Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User Acquisition
 
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanHow to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan
 
Playcrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePlaycrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile Game
 
Pollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile Game
 
Pollen VC App Promotion Summit 2014
Pollen VC App Promotion Summit 2014Pollen VC App Promotion Summit 2014
Pollen VC App Promotion Summit 2014
 
Alternative Funding for Game Developers
Alternative Funding for Game DevelopersAlternative Funding for Game Developers
Alternative Funding for Game Developers
 
The Funding Gap
The Funding GapThe Funding Gap
The Funding Gap
 
How to successfully launch your mobile game
How to successfully launch your mobile gameHow to successfully launch your mobile game
How to successfully launch your mobile game
 

Dernier

Using DAX & Time-based Analysis in Data Warehouse
Using DAX & Time-based Analysis in Data WarehouseUsing DAX & Time-based Analysis in Data Warehouse
Using DAX & Time-based Analysis in Data WarehouseThinkInnovation
 
Unleashing Datas Potential - Mastering Precision with FCO-IM
Unleashing Datas Potential - Mastering Precision with FCO-IMUnleashing Datas Potential - Mastering Precision with FCO-IM
Unleashing Datas Potential - Mastering Precision with FCO-IMMarco Wobben
 
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...ferisulianta.com
 
PPT for Presiding Officer.pptxvvdffdfgggg
PPT for Presiding Officer.pptxvvdffdfggggPPT for Presiding Officer.pptxvvdffdfgggg
PPT for Presiding Officer.pptxvvdffdfggggbhadratanusenapati1
 
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdf
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdfNeo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdf
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdfNeo4j
 
Brain Tumor Detection with Machine Learning.pptx
Brain Tumor Detection with Machine Learning.pptxBrain Tumor Detection with Machine Learning.pptx
Brain Tumor Detection with Machine Learning.pptxShammiRai3
 
Microeconomic Group Presentation Apple.pdf
Microeconomic Group Presentation Apple.pdfMicroeconomic Group Presentation Apple.pdf
Microeconomic Group Presentation Apple.pdfmxlos0
 
2024 Build Generative AI for Non-Profits
2024 Build Generative AI for Non-Profits2024 Build Generative AI for Non-Profits
2024 Build Generative AI for Non-ProfitsTimothy Spann
 
Báo cáo Social Media Benchmark 2024 cho dân Marketing
Báo cáo Social Media Benchmark 2024 cho dân MarketingBáo cáo Social Media Benchmark 2024 cho dân Marketing
Báo cáo Social Media Benchmark 2024 cho dân MarketingMarketingTrips
 
Stochastic Dynamic Programming and You.pptx
Stochastic Dynamic Programming and You.pptxStochastic Dynamic Programming and You.pptx
Stochastic Dynamic Programming and You.pptxjkmrshll88
 
Paul Martin (Gartner) - Show Me the AI Money.pdf
Paul Martin (Gartner) - Show Me the AI Money.pdfPaul Martin (Gartner) - Show Me the AI Money.pdf
Paul Martin (Gartner) - Show Me the AI Money.pdfdcphostmaster
 
Empowering Decisions A Guide to Embedded Analytics
Empowering Decisions A Guide to Embedded AnalyticsEmpowering Decisions A Guide to Embedded Analytics
Empowering Decisions A Guide to Embedded AnalyticsGain Insights
 
The market for cross-border mortgages in Europe
The market for cross-border mortgages in EuropeThe market for cross-border mortgages in Europe
The market for cross-border mortgages in Europe321k
 
Data Analytics Fundamentals: data analytics types.potx
Data Analytics Fundamentals: data analytics types.potxData Analytics Fundamentals: data analytics types.potx
Data Analytics Fundamentals: data analytics types.potxEmmanuel Dauda
 
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...Neo4j
 
STOCK PRICE ANALYSIS Furkan Ali TASCI --.pptx
STOCK PRICE ANALYSIS  Furkan Ali TASCI --.pptxSTOCK PRICE ANALYSIS  Furkan Ali TASCI --.pptx
STOCK PRICE ANALYSIS Furkan Ali TASCI --.pptxFurkanTasci3
 
Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...PrithaVashisht1
 
Air Con Energy Rating Info411 Presentation.pdf
Air Con Energy Rating Info411 Presentation.pdfAir Con Energy Rating Info411 Presentation.pdf
Air Con Energy Rating Info411 Presentation.pdfJasonBoboKyaw
 
Data Collection from Social Media Platforms
Data Collection from Social Media PlatformsData Collection from Social Media Platforms
Data Collection from Social Media PlatformsMahmoud Yasser
 

Dernier (20)

Using DAX & Time-based Analysis in Data Warehouse
Using DAX & Time-based Analysis in Data WarehouseUsing DAX & Time-based Analysis in Data Warehouse
Using DAX & Time-based Analysis in Data Warehouse
 
Unleashing Datas Potential - Mastering Precision with FCO-IM
Unleashing Datas Potential - Mastering Precision with FCO-IMUnleashing Datas Potential - Mastering Precision with FCO-IM
Unleashing Datas Potential - Mastering Precision with FCO-IM
 
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...
Prediction Of Cryptocurrency Prices Using Lstm, Svm And Polynomial Regression...
 
PPT for Presiding Officer.pptxvvdffdfgggg
PPT for Presiding Officer.pptxvvdffdfggggPPT for Presiding Officer.pptxvvdffdfgggg
PPT for Presiding Officer.pptxvvdffdfgggg
 
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdf
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdfNeo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdf
Neo4j_Jesus Barrasa_The Art of the Possible with Graph.pptx.pdf
 
Brain Tumor Detection with Machine Learning.pptx
Brain Tumor Detection with Machine Learning.pptxBrain Tumor Detection with Machine Learning.pptx
Brain Tumor Detection with Machine Learning.pptx
 
Microeconomic Group Presentation Apple.pdf
Microeconomic Group Presentation Apple.pdfMicroeconomic Group Presentation Apple.pdf
Microeconomic Group Presentation Apple.pdf
 
2024 Build Generative AI for Non-Profits
2024 Build Generative AI for Non-Profits2024 Build Generative AI for Non-Profits
2024 Build Generative AI for Non-Profits
 
Báo cáo Social Media Benchmark 2024 cho dân Marketing
Báo cáo Social Media Benchmark 2024 cho dân MarketingBáo cáo Social Media Benchmark 2024 cho dân Marketing
Báo cáo Social Media Benchmark 2024 cho dân Marketing
 
Stochastic Dynamic Programming and You.pptx
Stochastic Dynamic Programming and You.pptxStochastic Dynamic Programming and You.pptx
Stochastic Dynamic Programming and You.pptx
 
Paul Martin (Gartner) - Show Me the AI Money.pdf
Paul Martin (Gartner) - Show Me the AI Money.pdfPaul Martin (Gartner) - Show Me the AI Money.pdf
Paul Martin (Gartner) - Show Me the AI Money.pdf
 
Target_Company_Data_breach_2013_110million
Target_Company_Data_breach_2013_110millionTarget_Company_Data_breach_2013_110million
Target_Company_Data_breach_2013_110million
 
Empowering Decisions A Guide to Embedded Analytics
Empowering Decisions A Guide to Embedded AnalyticsEmpowering Decisions A Guide to Embedded Analytics
Empowering Decisions A Guide to Embedded Analytics
 
The market for cross-border mortgages in Europe
The market for cross-border mortgages in EuropeThe market for cross-border mortgages in Europe
The market for cross-border mortgages in Europe
 
Data Analytics Fundamentals: data analytics types.potx
Data Analytics Fundamentals: data analytics types.potxData Analytics Fundamentals: data analytics types.potx
Data Analytics Fundamentals: data analytics types.potx
 
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...
Deloitte+RedCross_Talk to your data with Knowledge-enriched Generative AI.ppt...
 
STOCK PRICE ANALYSIS Furkan Ali TASCI --.pptx
STOCK PRICE ANALYSIS  Furkan Ali TASCI --.pptxSTOCK PRICE ANALYSIS  Furkan Ali TASCI --.pptx
STOCK PRICE ANALYSIS Furkan Ali TASCI --.pptx
 
Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...Elements of language learning - an analysis of how different elements of lang...
Elements of language learning - an analysis of how different elements of lang...
 
Air Con Energy Rating Info411 Presentation.pdf
Air Con Energy Rating Info411 Presentation.pdfAir Con Energy Rating Info411 Presentation.pdf
Air Con Energy Rating Info411 Presentation.pdf
 
Data Collection from Social Media Platforms
Data Collection from Social Media PlatformsData Collection from Social Media Platforms
Data Collection from Social Media Platforms
 

Pollen VC Building A Digital Lending Business

  • 1. BUILDING A DIGITAL LENDING BUSINESS RITESH THADANI 1
  • 2. BUILDING A DIGITAL LENDING BUSINESS Building a Digital Lending Business ABOUT POLLEN VC • Global App Marketplace is a $25Bn market growing to $142Bn within three years* • We help app developers unlock their app store earnings early to fuel growth and deploy venture capital more efficiently • New data-driven approach to lending - our tech platform connects directly to central billing system for digital products to price risk in real time *Source:Vision Mobile Developer Economics Survey Feb 2014 2
  • 3. BUILDING A DIGITAL LENDING BUSINESS PROBLEM: PLATFORMS ONLY PAY OUT REVENUE UP TO 60+ DAYS AFTER YOU’VE EARNED IT. LAUNCH You’re earning money from day 1 This is your money trapped in the payment system Platforms release your cash… 3
  • 4. BUILDING A DIGITAL LENDING BUSINESS Reinvest directly into advertising Acquire more users more quickly Draw down earnings on a daily basis A NEW WAY… 4
  • 5. BUILDING A DIGITAL LENDING BUSINESS TYPICAL LAUNCH SCENARIO LAUNCH Fail to get credit with ad networks Can’t reinvest to acquire more users Get paid by platforms DOWNLOADS REVENUE Revenue/Downloads Jan 2015 Feb 2015 Mar 2015 Apr 2015 May 2015 Jun 2015 Jul 2015 5
  • 6. BUILDING A DIGITAL LENDING BUSINESS 6
  • 7. BUILDING A DIGITAL LENDING BUSINESS FUNDING FOR FINTECH Building a Digital Lending Business Amount $ Capital Markets Banks Family Offices Equity Capital Data/Model Validation 7
  • 8. BUILDING A DIGITAL LENDING BUSINESS DIGITAL Creation and shipping of physical goods Invoices created at end of month and posted/emailed. Paid 30,45,60 day terms Advertising booked weeks in advance - eg TV campaigns, direct mailings Factoring/Discounting solutions available to shorten cycles at a cost App Store Marketplace - Real time economics Consumers purchase digital product real-time - billed to credit cards instantly Advertising purchased in real time through RTB exchanges Lack of financial products eg invoice financing 30 days is a long time. 60 days is an eternity! VS OLD WORLD COMPARISON PHYSICAL 8
  • 9. BUILDING A DIGITAL LENDING BUSINESS STRUCTURE 9
  • 10. BUILDING A DIGITAL LENDING BUSINESS GROWTH IN THE LONG TAIL Building a Digital Lending Business •c. 70,000 developers making more than $10k/year across iOS and Google Play •L-Shaped revenue curve is flattening out •More opportunities for developers in the long tail •User acquisition becoming better understood 10