Credit Clear : CCR 1H FY22 RESULTS PRESENTATION

ersonal use only

The Future of Receivables Management

ASX: CCR

February 2022

Investment highlights: 1H FY2022

1 ARMA Acquisition completed and Techub Agreement signed providing CCR with transformational growth opportunities

only	ARMA founder and CEO Andrew Smith appointed as CCR Group CEO
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	• Digitisation of ARMA clients progressing rapidly
	• 280k customer account integrated into digital platform
seu	• $722k set up in payment plans and $127k received via digital payments (with no human interaction)
86 new clients signed, including:
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	• Victoria largest toll road operator
	•	Global Fintech Lender
ersonal	•	Global Automotive Manufacturer
• One of Australia largest utilities
	• Large global BNPL provider
4	Won "Best Use of AI" award at the 2021 Australian FinTech awards
5	Group revenue run rate grows to >$30m p/a

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A hybrid collections offering	product demo
	Scan here for a

only		Fundamental transformation in the collections industry	Empowering customers to take control
	is accelerating the need for a hybrid collection service
Modern		of their own financial well-being
Approach	offering (digital and traditional), with an increasing
focus on digital solutions
AI		Credit Clear's modern approach to collections is about
	more than a digital message, it requires deep
Powered	integration of modern solutions backed by artificial
intelligence and machine learning
useCustomer	Treatment of customers is now a key performance
metric following the Royal Commission into Financial
Experience	Services and COVID related measures introduced to the
industry.
ersonal
Significant	Competition has been slow to respond providing a
Market		significant opportunity to disrupt the market and gain
	market share, noting a total addressable market of
		$2.5bn1 in Australia and New Zealand.
	1. Sources (Contingent collections & BPO): IBISWorld Debt Collection 2018-19 market report, IBISWorld Industry Wizard time series data. Excludes revenue earned from Purchased	3
	Debt Ledgers

Genuine validation of our digital solution

AI and Machine Learning

onlyData platform developed to support AI, deeper

analytics and strategy management module (Optimiser Module)

• 'Next Best Action' delivers 151% uplift for large

toll road operator

• Awarded winner of
use	Best use of AI in
ersonal	Fintech 2021

Case study

• Large Australian water utility operator experienced a 23% higher collection rate with a digital solution

Core Products

• Large fintech lender delivers 3x collections
• Australian energy utility delivers 40% higher collections
• NPS is +44 from >80,000 respondents
• Major insurance company delivers end-to-end 3rd party at fault claim within 15 days and no human touch

Optimiser Module

• Major Australian BNPL delivers 5% uplift in collection rate
• Significant water utility operator delivers a 17% uplift in collection rate

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More efficient collections, larger addressable market

ersonal use only

Hybrid approach to collections

(From bill presentment to ~150 days past due date)

	1	Early stage	2	Mid & late stage
• Digital only (No human interaction)	•	Digital first
•	Enhances customer control	•	Modern empathetic approach
•	Provides alternative repayment	•	Skilled negotiation
	options and flexibility for end-users	•	Hardship specialists

Conversion to digital unlocks

margin opportunity and broader capabilities in receivables cycle

(~150-180 days past due date)

• 3 Legal

• Strategic and cost effective
• Targeted matters

Offering underpinned by Credit Clear's award winning AI technology platform

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