Info to samuel

Carloans between induviduals

Presentation Mikael, Annika, Per
Presentation and background Jonny, Filip
Market
Goal Product and service
-Digital goods declaration
-Dittbillån control process
Discussion and partnership
Agenda

450.000 cars / years
Vehicles younger than 15 years
MARKET
Sold betweenindividuals

PROBLEM
Insecurity for sellers
Insecurity for buyers
Hard to finance the car
Hard to get well paid

Security
for sellers and buyers
Easy
to finance his car
Safe
through Digital Bank-ID

100 cars / day
8% of
market
36 500 cars
per year
GOAL 2021

36500 cars / year
100% Leverage
100% Guarantee
100% Insurance

3.650.000.000kr
Loan on average
100.000:- /car
36500 cars per year
FINANCIAL GOAL 2021

Jonas Bonde
Grundare
Christian Nilsson
Ansvarig utgivare
Knud Andreasen
Chief of partnership
Daniel Soussan
Grundare
Axel Lagercrantz
VD
Martin Fransson
VD

Seller
Buyer
direct Payment
DOWN PAYMENT
Bilhandlare & leverantör
Digital product declaration
Ditt Billån Verification Process

CONTROL
SELLER
CONTROLL
BUYER
INFRONT OF DELIVERY
VEHICLE CONTROL
DELIVERY
Kontrollprocess

Owner
VEHICLE
CONTROL
Inspection
Earlier
owner
Credit / Debt
Mileage
Age / MIl
Value
Import
Carfax

Google
CONTROL
SELLER
Relationship to Buyer
Mail
Lexbase
Registration Certificate
Description car
Driving license /
Bilvision
Digital-ID
Why sell?

credit check
CONTROL
BUYER
Körkort / Bilvision
Mail
increase transfer amount on bank
Google
Relationship to sellers
Digital-ID
Private Relationship
Lexbase

Mail:
purchase agreement (Buyer)
IN FRONT OF DELIVERY
Info
Insurance
Signature Purchase Agreement
(Buyer)
Mail:
Purchasing
(Seller)
Info
Guarantee
Signing purchase Agreement
(Seller)
Mail:
financial agreement
Review
Signing
Financial Agreements

Facetime / Hangout
DELIVERY
Signering
Ditt Billån
Försäljning /
ägarbyte
Digital varudeklaration
Kontantinsats
swish
Mailbekräftelse
Säljare / köpare
Godkännande / avslag
Inköp /
ägarbyte
Utbetalning

CONTROL
SELLER
CONTROLL
BUYER
INFRONT OF DELIVERY
VEHICLE CONTROL
DELIVERY

Ditt Billån
Köpare
Säljare
Digital varudeklaration

Product declaration prepared
Vehicles no older than 6 years and / or more than 12000 miles
Service book available
All equipment in the goods declaration is functional test
Cam belt change / or not achieved range / cam chain
To fulfill the warranty

Tread depth
Timing belt
AC
Engine
Airbag
Drive line and steering
brake systems
Cooling
Electrical System
Service
function test
Gearbox andcoupling
Digital product declaration

Digital product declaration

BENEFITS FOR BUYERS
Safe car business
Controlled counterparty
Guarantee
Good loan terms
Better conditions than blank loans
Digital signing via Bank-ID

BENEFITS FOR SELLER
Safe car business
Controlled counterparty
Direct payments to all banks
Better paid
Digital signing via BankID
Easier and faster sales

POSSIBILITY FOR DNB
New market
New customer group
New business opportunity that is huge

DISCUSSION
How do you look at developing your warranty product to gain market share from your private market competitors with a car dealer as a partner?
Are they able to design a wider offer with cars over 6 years with a higher premium and less warranty commitments?
What points do you want us to review and achieve to guarantee cars that we do not physically see? The market is huge and the technology is available!