The Core Banking Platform

for perpetual evolution.

Skaleet SaaS Core Banking Platform empowers financial

institutions with the potential to change continuously. Our
platform provides the technological capabilities to launch
new innovative financial services to delight and exceed your
client's expectations.
About Skaleet.

Skaleet is an international FinTech offering a SaaS Core

+40 financial institutions implemented
Banking Platform (CBP). Cloud-agnostic and meeting the worldwide
highest security standards, it is an alternative to the legacy
infrastructures of banks and financial institutions.
+10 million customers accounts managed
Our Core Banking Platform is evolutive and API-first. It allows by Skaleet
you to connect to a large ecosystem of products,
technological and regulatory partners. Its technological
architecture and inherent performance grants you better data
4x faster than the industry average for the
harnessing, gains in speed, and the necessary agility to launch of new capabilities
manage day-to-day operations and launch new offerings in
minutes.
99,99% uptime of the Core Banking
We manage your technology while you focus on what matters: Platform
crafting proximity with your clients. Infuse innovation in your
offers by creating and delivering responsive and personalized
financial services within your chosen ecosystems.
∞ number of partners you can integrate to
create your own ecosystems

© 2023 Skaleet 2
 Overview

01 A banking market in
the midst of revolution. 06 Banking modules.

02 The banking IS
challenges. 07 A “Best-of-Breed”
approach.

03 A new generation of Core

Banking. 08 The client verticals.

04 A logic of perpetual
evolution. 09 What our
customers say.

05 The benefits of using

our solution. 10 Contact us.

© 2023 Skaleet 3
A banking market in the midst of revolution.
For more than a decade, traditional banks have been investing in
the digitalisation of customer journeys and tools. These big digital
transformation projects were motivated by several factors:

GAFAs and Neo-Banks... New Customers expectations... Regulations... New Technologies...

… reivent customer ... cover new innovative financial … make IT changes complex … are at the source of
experience to offer simple, services, associated with a fluid for traditional financial opportunities to conceive new
fast and mobile-first banking and fast communication. institutions but also offer products and adapt the
services. new opportunities. bank’s technological stacks.

The stakes are now set on new technologies, usages innovation and the added value perceived by customers.

These factors are not threats but an important opportunity with a real competitive advantage. Financial institutions
must adopt a new approach to meet the various challenges of their Core Banking.

© 2023 Skaleet 4
 The banking IS challenges.
The banking information systems pose many Business and
Technical challenges for financial institutions:

Better digital New customer

experience usages

Launch of new High cost of Core

products Banking functioning

Lack of flexibility and Difficulties to integrate

agility thirds parties

Difficulties to
Scalability issues optimise
infrastructure’s cost

5
© 2023 Skaleet
 A new generation of Core Banking.
A new generation of Core Banking to help financial institutions
drive their transformation:

A shorter Time to Market.

1970 - 1990 1990 - 2005 2005 - 2020 2020 - 2025+ A Core Banking Platform to accelerate digital
transformation.

Easy integration of partners and added value

offers.
Core Banking Core Banking Core Banking Core Banking
1st Generation 2nd Generation 3rd Generation Platform IT Infrastructure in “Plug and Play”, in
microservices and Open APIsation with
Called “Digital Skin”, Called “Digital Called “Digitalized Called “Organic Digital continuous updates.
they consist of a silo Interface”, they are Core”, they feature a Core”, they have a
architecture and composed of several services-oriented cloud-native architecture
possess a massive abstract layers and an architecture and a and a very low technical Agile architecture and hosted in the cloud.
technical debt. important technical moderate technical debt. It is the new
debt. debt. generation of Core
Banking. Ensures security, resilience and compliance.

Reduction of the Total Cost of Ownership (TCO)

of the IT infrastructure.

© 2023 Skaleet 6
Our solution: a logic of perpetual evolution.

With a flexible, scalable, and continuously

deployable IT infrastructure, our solution
manages the technological complexities of
your financial institution. Orchestrate your own
ecosystem, create and launch new financial
services, design new user experiences, develop
your customer acquisition/retention activities,
etc.

In a few words, our platform is:

● A secure and efficient IT infrastructure;
● Proven stability and uptime of the
platform;
● A library of APIs allowing you to craft your
own products and services;
● And Continuous Delivery with the
warranty of a continuously improved
platform.

© 2023 Skaleet 7
The benefits of using our solution.
Time-to-Market.
Adapt swiftly to your markets' needs by
launching highly configurable and
customized financial services in 4 to 6
months.
Powerful and Evolutive
Platform.
Grow your business by relying on our
cloud-native infrastructure. It guarantees
you a high level of performance and
evolutivity. Take advantage of your own
dedicated cloud instance to ease the
scalability of your business
© 2023 Skaleet
Product Factory.
Minimize your product development
with our dedicated catalog. 95% of
launched products by our clients do not
require additional developments. There
are no limits to the product or
functionality design.
Continuous Delivery.
Improve your technology continuously with
Continuous Delivery. Every 2 months, you
have an updated platform strengthened
with new features.
Cost Reduction.
Accelerate your profitability with our
"Pay-as-you-Go” model adaptable to the
resources you use. It reduces the Total
Cost of Ownership (TCO) and operating
costs by 5 to 10x compared to legacy or
in-house Core Banking.
Resilience and Uptime.
Ensure a persistent and resilient service
for your clients with a 99,99% uptime.
Configuration and Integration.
Customize your products, services, and
experiences through our API-first tech,
giving financial institutions the power to
connect and orchestrate partners or
develop new components on our APIs.
Security.
Benefit from high standards security
meeting the international banking
security expectations: permanent
replication of databases on three
separate sites, encryption at rest,
encryption in transit, systematic code
analysis, continuous remediation, etc.
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Banking modules.
Skaleet's Core Banking Platform provides a modular technology to connect with market systems and orchestrate best-of-breed products and services through a
well-documented APIs catalog. With a Plug-and-Play configuration, build up your own solution by choosing among our full range or connect your selected
modules to your existing solution in a hybrid construction logic.

Workflow Orchestrator.
Cross-functional components and
orchestration features of in-house and
partners modules.
Card Issuing and Processing.
Diversified cards range and
PSPs multi-management.
Payments.
SEPA Gateway - in-house solution.
Interconnection with local and
international schemes possible.
Innovative means of payments
deployed natively (RTP, QR code).
Lendings. Deposit / Saving Accounts.
Access to a large choice of products. Real time accounts management -
Comprehensive loan cycle in-house solution. Simple
management. configuration of desired features.

Banking Accounting.
Platform auxiliary accounting
system natively tailored to
your accounting chart and
products. Integration to your
chosen general accounting
partner.
Regulatory Reporting.
Integration with our partner
(or the one you select) for
reliable and automated
regulatory reportings.
Analytics.
Real time data analysis.
Dashboards and reportings
customisation. TABLEAU
integrated module.
Onboarding - KYC / KYB.
Full digitalisation of the
onboarding process from
onboarding to documents
checks. In-house solution of
customisation of data and
steps of the KYC/KYB
procedure and manual
validation of files.
AML-CFT.
Partners modules for
personalised scoring and
scenarios. Screening
frequencies calibration.
Distribution.
Front-end in-house solution
with dedicated client
interface (mobile & web) and
bank management interface.

© 2023 Skaleet 9
A “Best-of-Breed” approach.
Partnerships are essential for supporting our clients in building efficient and scalable solutions. We are constantly looking for new partners who
bring added value and boost the growth of our clients. Our program offers partners an open, cost-effective, and predictive partner environment.
This collaboration level enables powerful flexibility and the ability to build the best solutions for our clients.

With whom do we work?

Strategy Consulting Firms.

Partners who advise and help our clients in their decision-making
process for a modern Core Banking and for the partner's ecosystem
that revolve around the new technological platform.

Tech Consulting Firms.

Tech consulting firms support our clients to deliver and integrate our
solutions while carrying out specific developments.

Product and Technology Partners.

Our partners connect their products or services to our Core Banking
Platform to expand the possible and available combinations, while
bringing our best-of-breed approach to life and building a relevant
solution for our clients.

© 2023 Skaleet 10
What our partners say.

“Security, performance, and regulatory compliance are top priorities

for our customers, who also want an agile and robust solution.
Skaleet’s Core Banking Platform meets all of these requirements and
is one of Europe’s leading technology providers.”

Maksym Popov - Co-founder & COO at 42Flows.Tech

“It is great to see innovative solutions emerging from the core banking
industry and we are really excited we can provide our AML and
compliance expertise to make core banking platforms also more
secure from financial crimes. [...] Skaleet is the perfect partner for us.”

Taavi Tamkivi - CEO and Co-founder at Salv

“After reviewing a dozen, maybe a hundred, of different solutions on

the market we have ensured that Skaleet has the potential to fulfill
the needs of our most demanding clients.”

Dmitrijus Apockinas - Managing Partner at PSP Lab

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The client verticals.
Skaleet provides a Core Banking Platform through different sectors of activity:
Segments
Universal Banks
Credit players
Regulated Fintechs
(PI / EMI / Neo Banks)
Embedded Finance
(Marketplaces / Corporates)
© 2023 Skaleet
Value proposition
Banks need a Core Banking Platform that frees them from costly and legacy IT infrastructure. Our
banking platform supports them in completing their innovative products offers and facilitate the
orchestration and integration of partners to meet customers’ untapped uses.
To survive and thrive in the lending landscape, credit players need a banking platform that
evolves with them and gives the opportunity to build and grow continuously. Skaleet’s
technological platform makes the orchestration, the integration of components and the
development of new credit functionalities quick and easy.
With Skaleet, regulated fintechs can rely on a Core Banking Platform to build and launch their
payment offers. Our fast, cost-efficient and scalable solution allows these players to develop,
integrate and offer their customers a diversified range of products meeting their needs. The
CPB helps create new payment and revenue tracks, while launching new user applications. It
enables PI, EMI and neo banks to innovate faster, offer a better user experience, acquire new
customers and grow.
We enable e-commerce players or even brands to integrate financial services in their customer
experiences while focusing on the acquisition of customers and their growth. Our solution helps
them create reliable, secure and compliant fintech products.
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Clients - Universal Banks.
Universal banks are now evolving in a competitive environment where neo-banks and Big Techs rely on more recent and agile technologies and
are winning increasingly significant market shares. The cloud-native SaaS Core Banking Platform frees you from your restrictive and rigid
legacy infrastructures.
Why Skaleet?
Integration into Ecosystems.
Cloud-native and configurable technology platform
based on an API-First approach. Distribute your
financial products in the markets / ecosystems of
your choice.
Configurability and Integration.
Possibility to connect to partners or develop new
components on APIs.
Innovate with SaaS Core Banking Platform.
Hybrid Approach.
Trust a Core Banking Platform to take the edge
of this new pace and customer requirements to
evolve continuously.
© 2023 Skaleet
Develop Faster.
Robust and scalable microservices architecture
allowing to develop and test new products
independently (deployment in 3-4 months).
Scalability and Continuous Delivery.
Have a new version of your platform every 2 months
enriched with new features.
Digital Banks.
Quickly access market segments by designing
an ultra-personalized offer via a "Greenfield"
project.
Cost Reduction & Better Profitability.
Pay only for the resources you use: reduce your
costs, improve the profitability of your Core Banking
and boost your growth.
Resilience and Uptime.
The Core Banking Platform takes full advantage of
the cloud and its benefits to ensure 99.99% service
uptime and deliver faster.
Banking-as-a-Service.
Develop a new factory of financial products
distributable through APIs in the markets /
ecosystems of your choice.
For more
information
Coexistence with Core Banking
Platform.
By using a Core Banking Platform alongside your
legacy Core Banking, launch new products and
features in parallel with existing product offerings.
Performance and Security.
IT infrastructure that meets international
banking security standards. “Secure by design”
architecture at every stage to allow a high level
of performance and control.
Super App.
Orchestrate the best financial payment, credit,
and insurance products with non-financial
services to deliver rich and amazing customer
experiences.
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Clients- Regulated Fintechs.
While most regulated fintechs have decided to set up a transactional activity, these players find that the only constant to have in mind is an ability
for a perpetual evolution. Skaleet's Core Banking Platform operates the complex non-differentiating components of your activity to focus on
high-added value parts.
Why Skaleet?
Orchestration of your Payments.
Collection management on behalf of third parties
and orchestration of your payment data flows
efficiently and intelligently.
Configuration.
Interoperable with a wide range of global payments,
card systems, and transfers (ACH, SEPA...) as ISO
20022 messages.
Innovate with SaaS Core Banking Platform.
Payment Orchestration.
Orchestrate your Pay-In and Pay-Out via an
API-first IT infrastructure enabling the
integration of payment collectors and
value-added service providers.
© 2023 Skaleet
Compliance - KYC & AML.
Integrate your KYC and AML-CFT partners to boost
the verification and onboarding of your customers.
Create your regulatory reports in just a few clicks.
Integration - API-First.
Connect your accounting, KYC, AML-CFT, PEP
screening partners… to get a consolidated view of
your customer and transaction data.
Banking-as-a-Service.
Launch your flexible and scalable
Banking-as-a-Service offering that will allow you
to distribute innovative financial services.
Increase your Revenue.
Reduced IT costs and a tangible increase in
cost/revenue ratios. Focus on launching new
payment services to generate new revenue streams.
Cloud-Native and Scalability.
Better flexibility, maintenance management, and
PCI-DSS compliance. High scalability to handle a lot
of regulatory impacts, and specific and significant
databases while reducing costs.
Neo-Banks.
Create relevant and agile digital players to
answer quickly to the needs of an underserved
or niche segment.
For more
information
Focus On What Matters.
Configure new customer journeys and develop
new payment offers through our technology
and APIs.
State-of-the-Art Security.
Implementation of the highest level of security on
customer and payment data. Continuous
evolution to adapt to security threats.
Super App.
Integrate the best offers for payment, credit,
insurance, or even ticket reservations, meals, and
the purchase of e-commerce products.
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Clients who trust us.
Thanks to our solution, our clients focus on understanding their users' ever-changing needs in order to offer innovative financial services. Our
technology allows them to create and deliver high-value-added products swiftly. Our agility and scalability make us a relevant partner to
serve any financial institution wanting to optimize its financial services.

“With eZyness positioning, we needed a configurable, evolutive technology that would allow us to
co-construct offers with our customers and with a short time to market. Skaleet turned out to be the
perfect solution.”

Marouane Benjenna - General Manager at eZyness (EMI of the Banque Postale)

“By leveraging Skaleet’s Core Banking Platform, we were able to launch our digital bank, Masrvi, in
record time (4 months). Within one month of launching, we have a network of 52 branches and more
than 200 partner-businesses. Thanks to the agility and short time-to-market of this solution, we will be
able to strengthen Masrvi’s product line and offer a full range of banking and financial products in the
very short term.”

Moulays Abbas - Chairman of BMCI

“Nirio is a one in a kind offer that needed a highly configurable and agile technology able to launch a
100% secured and qualitative service. Skaleet met perfectly our requirements, in a constrained Time To
Market along with expert support.”

Raphael Botbol - Head of Strategy, Innovation and New business at FDJ and President of FDJ Services

© 2023 Skaleet 15
Contact us.

Our added value lies in the precise understanding of the final

consumers expectations and by the ability to respond swiftly to it.
In this new digital world, we allow financial institutions to gain in
speed and be agile to meet these new customer usages with
innovative services.

Our mission is to help financial institutions by developing a simple

and reliable Core Banking Platform capable of interacting fully
with an ecosystem of banks, fintechs and technology partners.

By combining our technology and our knowledge of financial

services, Skaleet allows to create a real proximity by closing the
gap between financial institutions and final consumers
expectations.

Your success is our success!

For more information, contact us on skaleet.com

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