The Future of MSME Lending

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The best way to effectively serve MSME borrowers with a limited digital footprint is to
implement cutting-edge technology at the borrowers doorstep since that is where all data
points are and hence where digitalization must begin.

Why Focus on Small Businesses?

MISSING MIDDLE

MSMEs comprise the largest and fastest growing segment. There is an estimated annual funding gap of 30 billion
dollar between MFIs and Traditional Banks, presenting a huge market opportunity for Lenders.

LIMITED DIGITAL FOOTPRINT

They have undocumented, irregular income which require nuanced underwriting methods and this is where Artoos
approach of Intelligent Doorstep Digitalization can add most value.

HELPING THE REAL HEROES

A qualitative dimension of this segment is that it consists of those individuals, who when they receive a bit of a leg
up, truly pick themselves up and take responsibility for their own lives. Artoo considers it a privilege to serve small
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entrepreneurs.

Why Digitalization at the Doorstep?

BECAUSE IT MAKES SENSE FOR THE BORROWER

MSMEs comprise the largest and fastest growing segment. There is an estimated
annual funding gap of 30 billion dollar between MFIs and Traditional Banks, presenting a
huge market opportunity for Lenders.

AND HENCE IT MAKES SENSE FOR THE LENDER

The best way to impact the operational efficiency of a lender is to empower the field
agent to do more for the borrower right at his or her doorstep to achieve financial
inclusion at scale.

THE OUTCOME IS DEEPER FINANCIAL INCLUSION

By collecting data at source, doorstep digitalization makes a data poor borrower data
rich, enabling nuances credit underwriting and fueling lending to this segment.

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Product and Partners

Manage Distributed Sales Teams

Qualify leads, cross sell, and improve conversion rates

Paperless, error-free, instant customer onboarding

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Monitor your portfolio performance

Intelligent doorstep credit assessment

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HOW COULD ARTOO WORK FOR YOU

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Our edge comes from our dedicated user support, human-centred product design and
insights into user performance improvements. At the core of Artoos value proposition is its
ability to customize for every organization and to do this at an affordable price. Unlike
FinTechs that provide Big Data credit underwriting, we have assembled key whole product
features that have the intelligence to understand all possible nuances of small businesses,
while meeting all compliance standards.

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1200

CRORES DISBURSED

450000

MSMEs ASSESSED

4000

USERS

400

BRANCHES

Going with Artoo for our Individual Lending business proved to be a very good
choice. I dont think our field staff can go back to a paper process now.

Sneh Thakur, Head of Credit, Ujjivan - www.ujjivan.com

"From a strategic perspective, we definitely need a handheld solution to improve

our data quality and productivity. The field users embraced Artoos technology as
it helped them reduce error rates and turnaround time, and improve productivity."

Samit Ghosh, MD and CEO, Ujjivan - www.ujjivan.com

"We have leveraged Artoo's expertise in front end digitalization in the SME
lending space. This has allowed us to optimize our lending solutions, thereby
improving efficiency and turnaround time, delivering a significantly improved
customer experience.

Udaya Kumar, MD and CEO, Grameen Koota - www.grameenkoota.org

"Samunnati is driven by the philosophy that technology can make delivery of

financial services in rural areas simple and paperless. Artoo has enabled us to
do this."

Nitin Chaudhary, Head of Product, Sammunati - www.samfin.in

Going with Artoo for our Individual Lending business proved to be a very good choice. I dont think our field
staff can go back to a paper process now.

Sneh Thakur, Head of Credit, Ujjivan - www.ujjivan.com

4/5
"From a strategic perspective, we definitely need a handheld solution to improve
our data quality and productivity. The field users embraced Artoos technology as
it helped them reduce error rates and turnaround time, and improve productivity."

Samit Ghosh, MD and CEO, Ujjivan - www.ujjivan.com

5/5