Strictly Confidential

Assessment and Small Loan Platforms
based on Psychometric Test Data
2023 Tokyo Financial Awards Ceremony on February 6th1. Our Service – Challenge
Challenge
Limited Access to Traditional Financial Services for Those
Without a Borrowing History (Credit Score)

Targets“Individuals without Traditional Credit Scores”
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2

1. Our Service – Solution
Solution

Creating new credit scores and access tofinancial services through Psychometric Test
Digital Questionnaire

Credit Score

The will to repay

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3@2023 Bee Informatica, Inc.

2. Company Profile
Japan Headquarters

Malaysia Branch

Name

Bee Informatica, Inc.

Bee Informatica Sdn Bhd

Location

1-6-6-603, Kyoto Island, Tokyo Metropolitan Government

The Vertical Corporate Towers B, Avenue 10, Bangsar South,
No.8, Jalan Kerinchi, Kuala Lumpur, 59200, Malaysia

CEOInada Fumiko

Inada Fumiko

Major
Shareholders

Fumiko Inada, Manjur Mahmud, and 10 others

100% owned by Japanese corporation

Business

Alternative credit scoring model/community
management

Alternative credit scoring model/community
management

Registration

Money lending business license In Process(Financial Services Agency)

Money lending business license (The Ministry of Local
Government Development)

FoundationNovember. 2020

August 12th, 2019

JPY 80,540,308

RM 7,438,617.84 (16/03/2020)($ 1,859,654.46)

CapitalMemberOrganization
Audit Date

FinTech Association of Malaysia
End of Oct. 2021

End of Oct. 2021

(As of November 8, 2022)

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4@2022ビー・インフォマティカ（株）@2023 Bee Informatica, Inc.

2. Company Profile – Management Team

Co-founder ＆CEO

Co-founder＆CTO（System Development）

Inada Fumiko

ManjurAfter working in corporate planning for the Bank ofJapan, A.T. Kearney, and Rakuten Securities,
She co-founded Be Informatica, Inc.
During stay in Bangladesh, BRAC, a microfinanceinstitution, engaged in social Fintech business for total of
5 years.
Graduated from Keio University.
Graduate School of Economics, London School ofEconomics. Master of Regional Economic Development.

After working as Director and COO of
Oracle and Data soft (BD),He co-founded Bee Informatica, Inc.
Microfinance in Bangladesh and Nepal
Engaged in system development businessfor institutions.
Hong Kong University

Chief Operating Officer, COO & CMO

Strategic advisor CCO (Compliance)

Strategic Advisor and CTO (Business)

Taku Ohno

Masato Nakata

Naoyuki Matsuo

5General Producer

Daishiro Okada
Engaged in international tax management as Director, Head ofTaxes at Industrial Bank of Japan (now Mizuho Bank) andDeutsche Bank Group. After that, at Square Enix, he served aspresident (COO) of the US corporation and general manager ofthe headquarters.
Currently, as the founder of HLD Lab (Happy Life Design Lab), heworks as an evangelist to create a “place” for an exciting andhappy society. He is a board member of the Digital Garden City
Initiative.

Statistics & Psychology Expert(Data Scientist)Statistics expert(Data Scientist)

Masayo Takegami

Yoshimi Sakuramoto

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@2022ビー・インフォマティカ（株）

2. Company Profile - Malaysian Branch ( Micro-finance)
Business ：Food & Beverage ( Roast Pork )Retail, Food & Beverage, Clothing,
In Progress
E-commerce
Starts in May 2021
Malaysia
Women

YouthAbout 50%of Female
borrower’s
ownRestaurant
business

Loan Amounts：RM10,000（300,000 yen）
Tenure：15 months
Usage： Expansion of kitchen capacities(Funds for purchase of oven)

Small BusinessCurrently,
41 cases
Balance
US$110K(cumulative15 millionyen)

Ms.Joanne

Why us?： it was not possible to borrow bank loan

Business: clothing, handicraft industry
Use of funds-openingevents andsetting upbooths,
used for deposit

Loan amount: RM32,000 (about 960,000 yen)
Tenure：12 months
Usage： Mall events andopening funds for new booths
Why us?： it was not possible to borrow bank loan

Ms.Kuin

MallCurrently, the maleto female ratio is50%.
In the future, raise toDefault ：2 cases
Total Balance： US$7,1K
NPL ratio：６％

70% female ratio

After Psychometric testinstallment
NPL ratio 9％

Space@2022ビー・インフォマティカ（株）@2023 Bee Informatica Inc.

—> 4%Space

Goal : NPL3％ or less

6MarketingCosts

Event Planning Company

Ms.Lynn
Event Planning Company

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Opening
costs

Openingcosts

ReferralSmall BusinessGet referrals from event planning companies
Referrals are made to the best clients who pass screening
Achieve low default rates

60% of customers
come in through event
planning companies

3. Our Service and Results: Characteristics of Psychometric test ( Financial Transactions)◉Psychometric data ：A new type of credit data based on Human Capital
Credit Data
Traditional
Economic
Historical Analysis
Financial Resources

Future Analysis

How to create
Algorithm

AlternativeSocial
Human Resources

ManifestedAbilities

PotentialAbilities①Find a factor

CIC (Credit InformationCorporation)
Financial Statemetn

Psychometric data
Attribute data
Mobile data
Social activity data
Bank Account data

②Find a coefficient③Algorithm

Psychometric Test’s 3 elements (Total of 48 questions）

EntrepreneurshipWill torepay
the funds

Ability to develop the business

Financial literacy

Ability to grasp and analyze businessfiguresCompliance

Ability to understand and follow rules

AIalgorithm

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7Default@2023 Bee Informatica, Inc.

4. Benefits to Tokyo residents
Global Financial City TokyoIf we can assess the willingness of the growing number of foreign residents andsingle mothers in Japan to repay their loans, they will gain a new credit score.

More Accessible Financial
Services

Exploring a new Exploring
New Financial Inclusion

Financial
Institutions

Reaching new customers

Faster loan approvals/ Law costs

Reduction in default rates

Obtain business and living funds.

USER

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5. Future development and schedule
Proof of Concept（Credit Score for Financial Institutions）•••

Proof of Concept / Commercialization(Micro-finance)

November 2022, a memorandum ofunderstanding (MoU) was signed with Online
banking in Tokyo. The plan is to begin a sixmonth pilot test in February 2023•

January 2023, Preparing to obtain an
FSA Money Lending License.

•The test will involve sending out psychometrictests to 100,000 card loan customers andcollecting data.

Preparing to sign MoU with service
providers for foreign residents in Japan•

November 2022, adjustments are being madetowards PoC with a major banking-affiliatedcredit card company.

Preparing to sign MoU with service
providers for single parent in Japan•

July 2023, Micro-finance service forforeign residents and single parent inJapan• January 2023, adjustments are being

made towards PoC with a major regionalbank.

Obtain risk data at our business in theJapanese market

Creation of risk-correlated algorithms

Goal：10,000 data

Goal：1,000 data
We are seeking for Proof-of-Concept Business
Partnership and Capital Raising Opportunities
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9@2023 Bee Informatica, Inc.