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Pricing promotion (waive fixed for one) 

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Pricing promotion (waive fixed for one) 

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AI chatbot use for customer service / AI use for KYC checks

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Price promotion proposals - page 33

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Investment in AI - similar to offshoring proposal

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Investment in AI - similar to offshoring proposal

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Some sort of admin cost reduction investment 

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Some sort of admin cost reduction investment 

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Merger/ acquisitions

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outsourcing options

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Introduction of AI around KYCs, chatbot, staff replacement, forecasting pre-funding ect

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Use of AI and how it will impact our EBITDA valuation like with Exhibit 12

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Use of AI and how it will impact our EBITDA valuation like with Exhibit 12

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Outsourcing to India - somewhere near the back

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Outsourcing to India - somewhere near the back

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someone will suggest implementing fx markup

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someone will suggest implementing fx markup

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R2 - Price Promotion effect on EBITDA

R3 - Outsourcing -- calc from page 39/40 effect on EBITDA combined with valuation effect across 3 years

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Proposal for an acquisition by 2 different companies e.g. Quindaron or WireWing

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being bought out - valuation