Business Introduction (20240920) for candidates

This is brief company and business introduction of ZARIBEE

1. 0
Introduction | ZARIBEE
20/September/2024
Motorcycle Asset Finance
Nairobi, Africa

2. 1
1.Company and Service
2.Market and Customer
3.Business Strategy
4.Proposition
5.Result and Forecast
TABLE OF CONTENTS

3. 2
Service General
We offer motorcycle asset finance with a repayment period of 19 months and an interest rate of 30%.
Rider
③Bike & Insurance (&Training）
（GPS tacking）
④Daily payment
（550Ksh/day）
①KYC/Contract
（DL/ E-Money History）
②Initial Payment
（20,000Ksh）
Business Model
Customers get their own asset through daily installment
Revenue model
Collection of daily payment is the key
<Main Model>
▪A motorcycle (approx.160,000ksh) is offered for 19 months.
▪550ksh per day with a total repayment amount of 280,000ksh
▪The ownership is transferred once the payment period is completed

4. 3
7%
31%
33%
37%
39%
71%
Bicycle
Taxi
Private Vehicle
Walking
Bodaboda
Matatu
Customer and Market
Our main target Customer is Bodaboda riders(Commercial motorcycle users). They are logistic infrastructure in Kenya.
Common Transportation
Bodabodais mandatory transportation in Kenya
People use various transportation depending on the purpose.
You can see bodaboda everywhere in Kenya.
2 million bodabodain Kenya. (5% of Population)
Source：the Star

5. 4
Customer’s Pain and Issue
Most of the riders are not able to enjoy finance servicesbecause they earn and spend money day-to-day life, where they don’t
have enough credit to get finance.
Customers’ Persona
90% of the riders are categorized as low income
【Customer Features】
❑Main Layer： Youth (25-35 years old)
❑Income: 800ksh~2,000ksh/day
20,000~50,000/month
❑Cost： Fuel, Bike maintenance, Stage Charge
❑Work style：
1.Stage waiting
2.E-hailing app
❑Others
❑Concern: Daily Payment > Total amount
❑Calculation Skill: it is not easy to consider
the amount they need so people spend all
the money they have at the end of the day.
❑Riders are digitalized but still they focus
more on real communication
❑Friends mostly have the same taste.
How to access motorcycle
Currently it is not easy to get loan
Source：Dealer interview 2024
40%
60%
Loan One time Cash
Category of the payment
method to get motorcyle in
dealer
<Loan>
•Fail through credit check
•Initial payment is high (50k
and more)
<One time Cash>
•Borrow the money from family
and friends
•It bringstrouble after getting
motorcycle

6. 5
Business Strategy rooted by customers’ issue
ZARIBEE focus on Asset Finance first and extend varieties of the business to enhance our riders’ life standard,
Business Expansion matrix
Focus on how to enhance riders’ life standards
Added value to support riders.
Enhance life standards by visualizing the credit through works.
Visualization of
Credit
1. Create Job
Bike Asset Finance
Other type of Asset/
Banking
4. Create Asset
Insurance
2. Risk Management
Create job and enhance customer’s QOL
High Value Logistics
3.Enhance Income
Maximize customer’s revenue
Job
Opportunity
Provide the condition of the work by
giving motorcycles.
Create Credit
Give Credit score based on qualitative and
quantitative data
Enhance
Literacy
Support Safety driving・Financial literacy
Safety
Network
Prepare reliable environment through
communities and insurance.

7. 6
Business Expansion
We will maximize the value we offer by leveraging the customer base and data obtained through the asset finance business and
building strategic partnerships.
Other type of Asset/
Banking
4. Create Asset
Insurance
2. Risk Management
High Value Logistics
3.Enhance Income
•Based on an understanding of
credit information and customer
characteristics, we will offer
insurance services beyond
motorcycle guarantees.
•By partnering with insurance
companies, we will develop
telematics insurance.
•We will leverage geographic
information and income patterns to
help customers make use of their
available time.
•By utilizing credit and driving data,
we will facilitate job placements to
address driver shortages in logistics
companies.
•We will offer additional financing
services based on payment
information, living conditions, and
family environment.
•Along with purpose-specific
financing services, we will expand
customer reach through a revenue-
sharing model.

8. 7
Key Points Necessary for Implementing the Initiatives
Since our founding, we have been committed to operational excellence, focusing on data utilization and organizational
strengthening to enhance the feasibility of our business strategy.UnchorlightKenya Limited 1
ZARIBEEScore（仮称）アウトプットイメージ
①基本的態度
②返済態度
③運転技術・マナー
④⼈間性 ⑤成⻑⼒
389／500
Rank B／Top 30%
•書類管理⼒
•時間管理⼒
•⾦銭管理⼒
•礼儀・マナー
•安全運転
•運転技術
•バイクメンテナンス
※項⽬①〜④の前回スコアからの伸びを
可視化する項⽬。
※初めからある程度成熟しているライダー
が不利にならないよう要配慮
•返済⼒
•回復⼒
※ライダーの⼈間的な魅⼒を可視化
する項⽬。
※評価は定性的な項⽬に振り切る
。例えば、スタッフの印象やチーム内
での出来事などに基づき、加点・減
点。
※スコアリング頻度︓３ヶ⽉に１回程度を想定
Strengthening
Customer
Engagement
Optimization
of Org & Ope
Data
Visualization
•After the contract, the responsible staff will
communicate with the customer not only regarding
payment information but also by taking care of their
work and family environment.
•Regular customer visits are conducted to check the
current situation and verify any discrepancies with
the provided information
•To ensure continuous growth, we align the
organizational and business mindset company-wide
from the time of onboarding.
•We are committed to thorough in-house training to
help employees acquire the skills (thinking and
technical) needed for each role.
•We meticulously collect both qualitative and
quantitative data to analyse customer conditions and
payment status.
•This enhances the service value of existing
businesses and improves the quality of decision-
making for future business expansion.
<Evaluation Criteria> <Scoring Draft>
<Culture Deck> <Internal Training>
<Customer Visit><Customer Orientation>

9. 8
Business Result –Motorcycle Dispatch
176875
102
1989
146
283
360346
364
458
0
100
200
300
400
500
600
Bike Dispatch [Quarterly]
Growing + 20 motorcycles every month.
1785160262281370
516
799
1,087
1,433
1,797
2,255
0
500
1000
1500
2000
2500
Accumulative Bike Dispatch
Reached 2,000. total bike in Q2 2024
Consistent grow our business with planning
(dispatches) (dispatches)
August：181
End of August：
2,436

10. 9
-500
0
500
1,000
1,500
2,000
2,500
3,000
2023 2024 2025 2026 2027 2028
Business and Location Expansion Plan (As of 2024)
As we expect revenue stabilization by Q2 of 2025, we plan to expand our locations and business domains after 2025.© GeoNames, Microsoft, OpenStreetMap, TomTom
Powered by Bing
1,800
2,500
1,300
2,100
900
1,300
400
800
Kenya
Uganda
Tanzania
Egypt
Revenue and Profit
Explore revenue growth across multiple sites.
Prospect Region to expand
countries from the perspectives of the motorcycle market,
competitive environment, and legal regulations.
Region
Revenue
(M Ksh)
Profit
(M Ksh)
New 2
New 1
Kenya

11. THANK YOU.