Your Personalised Shopping Assistant

VOICE OF CUSTOMERS CONSUMERS LACKS CONVENIENCE ACROSS THEIR SHOPPING JOURNEY

It sometimes feels unsecured to share

I don’t want to download the app for
Redundant checkout process with multiple steps; my payment details on a new brand
every brand on my phone.
repetitiveness across multiple D2C brands (no- website.
one stop solution)
-Customer (Anonymous)
-Customer (Anonymous)

There is limited visibility of when my

Lack of transparency post ordering; multiple D2C
brands at different phases of adoption of digital order will be delivered across multiple
order management D2C brands.
-Customer (Anonymous)

I spent a lot of time going through the

Multiple BNPL options scattered with limited whole registration process and then I
integration across D2C brands; repeat integration
get to know that I am not eligible.
with every D2C brand at the time of ordering

-Customer(Anonymous)

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PAYMENT LANDSCAPE : TRENDS

In 2021, BNPL accounted for 2.1% of global e-commerce transactions, this figure
is expected to double by 2024 when BNPL will account for 4.2% of global e-
commerce sales.
FIS 2021 Global Payments Report.

$ 50 Bn
Market

321.1% 400%
15x 100 Mn

Market growth User Base

Indian BNPL CAGR (FY'19 - FY'21) Indian BNPL CAGR (FY'21 - FY'26E)
by Gross Merchandise Value by Gross Merchandise Value
BNPL market by 2026
-Redseer Ken Research

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INSTANTANEOUS NEED FOR ONE CLICK CHECKOUTS

Indian Buy Now Pay Later Market is driven by one-click payment ease, unmatched expediency among lending solutions and free
of cost deferment of payments, coupled with rising adoption by Merchant Partners.
-Ken Research

REASONS FOR ABANDONMENT DURING CHECKOUT

70% The Average Cart Abandonment Rate Across All Industries
Shipping costs too much 63%

Discount code does not work 46%

86% Mobile Users Have an Even Higher Abandonment Rate

Order takes forever to ship 36%

36% Checkout Optimization Can Increase Conversions by Have to re-enter details 30%

0 25 50 75

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PERFECT TIMING : WHY INDIA IS A RIPE MARKET FOR BNPL

US AUSTRALIA INDIA UK GERMANY

No. of internet users (% 290 Mn 22 Mn 550 Mn 55 Mn 71 Mn

of population) (78%) (88%) (40%) (80%) (88%)

200 Mn 12 Mn 100 Mn 40 Mn 47 Mn
No. of online shoppers

Total retail $3.6 Tn $250 Bn $820 Bn $500 Bn $550 Bn

Online retail $450 Bn $20 Bn $30 Bn $90 Bn $80 Bn

(% of total retail) (13%) (8%) (4%) (18%) (15%)

80% 120% 16% 94% 53%

Debt to GDP

Credit Card penetration 75% 75% 3% 55% 35%

Source: Street Research Note: (1) Private data per latest valuation round, Market data as of October 11, 2021
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$200B+ HAS BEEN CREATED GLOBALLY IN EACH ASPECT OF THE USER’S JOURNEY
BUT STILL, THE FACTOR OF CONVENIENCE IS MISSING

VALUATION Tracking/Post
STARTUP
Checkout BNPL Purchase
(FUNDING RAISED)
Engagement

$11B ($941M)

$29B (Acquired)

$46B ($3.7B)

$51M

Owned by Shopify (20M+ Users)

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YELOW : PAYMENTS 3.0 | REVOLUTIONISING THE SHOPPING EXPERIENCE

One Click Pay Later Track Smart

Earn rewards and offers from your Checkout through any website with Track and manage all your orders at
favourite brands a single tap a single place

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YELOW : PAYMENTS 3.0

Offline Payments Platform Checkout experience

Online Payments Platform Shopify for Mobile

Payments 3.0

Payments app BNPL / Credit Cards

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WHAT'S IN IT FOR MERCHANTS

20% 30%
Increase in average basket size Increase in Customer Lifetime Value

25% 45%
Increase in new customers through referral Increase in # of visits by customer

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YELOW'S VISION
Yelow’s vision is to create a payment ecosystem that engages both customers and merchants, solving their pain points and creating synergies in the process

POTENTIAL PRODUCT OFFERINGS POTENTIAL REVENUE MODEL EXISTING PLAYERS

Payment Ecosystem/ express Allow offline merchants to accept payment from customers at the point PSP fees/ MDR on
checkout of sale through varied conventional payments methods different instruments of
Allow online merchants to enable API based express checkout payment

Omnichannel shopping Enabling greater visibility by the omnichannel shopping experience Platform fees from
experience/ Loyalty partner Customized loyalty platform for merchants to engage customers merchants
Opportunity for customers to earn rewards for their loyalty to merchant

Yelow BNPL / Yelow Co- Allowing customers to use Yelow BNPL while making payments to MDR from partner
Branded Credit Card merchants and pay the amount back merchants for BNPL
Launch of Yelow & merchant co-branded credit card to the exclusive MDR on credit cards
customers

Data Insights/ Allowing merchants to push exclusive targeted promotions to the Advertisement and
Marketing Platform existing customers to initiate purchases and increase basket size promotion fees from
merchants

Credit facilities / Use data to provide customized credit facilities and neobanking Interest income
Neobanking to merchants experience to the merchants to meet their financial and business needs

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FOUNDERS WITH A VISION TO CREATE A NEW PARADIGM IN FINTECH

PARAS GUPTA PIYUSH KUMAR SARTHAK YASH SETHI YUGRAJ SHUKLA UTKARSH DONGRE

Founder & CEO Co-founder & CTO COO Product Head Marketing Lead
Stanford University IIT Delhi IIT Delhi NIT R IIM Indore, IIIT J
IIT Delhi Silver Medalist Ex-Nutanix, 3+ years of SDE exp. Ex-StateStreet, ACET-AIR 1 Co-Founder Fae, Charzers 3+ yrs in BD & Makreting

SAI VAMSI ANDIBOYINA KAMLENDRA PANDEY MD ASIF IQBAL SAGAR DUDHE SAHIL POHARE SAHIL POHARE

Back End Developer Front End Developer - Part Time Back End Developer - Part Time Product Manager Back End Developer Back End Developer
IIT Delhi Mobile App Lead @ Niro IIT Kharagpur IIT Delhi Founder MimirLabs GGSIU
Ex-HCL 6+ yrs of app development exp 2+ years of SDE exp. Ex-FrontRow Co-Founder Urista Technologies 5+ yrs Exp in SDE

Access to the most alente pool in India and the World | Deep knowledge of the Payment Ecosystem | Extensive
experience in the retail sector | Deep connect with the growing Indian consumers | Unique blend of financial knowledge &
technical expertise

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PLAN TO ACCELERATE YELOW’S JOURNEY TO BEST IN CLASS

Phase I: Platform Development / D2C brands Phase II: Targeted offers to customers for
Phase III: Neobanking
onboarding merchants/ Offline merchant onboarding

OBJECTIVES Launch the customer's first one-click checkout
Launch of UPI Auto pay based Yelow BNPL
Tracking and Managing of orders on a single
platform
Onboarding of multiple D2C brands
Customized loyalty programs for D2C brands
Integrated shipping & order management for
D2C brands
Start Onboarding Offline Merchants
Personalized offers from brands to
consumers
Expansion into tier 1/2 cities
Credit & Neobanking facilities to the
merchants
Entry into other business needs for merchants
Neo banking for Yelow customers

TIMELINE Now 12 Months 2-3 Years

FUNDING Seed Series A Series B,C

RAISED
$ 5M $ 60M $ 300M

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THANK YOU