South Korea (Toss) = Digital Payments / Financial Services… ~12MM Users + ~2x in One Year Toss Payments / Financial Services Users, South Korea 12MM orea K th ou , S 6MM ers A persistent problem in Korea has been the lack Us of mid-level interest-rate loans. s os The reason for this is because there hasn’t been T adequate credit evaluation on filers with mid-level credit scores or small business owners. Data from the Toss mobile payment platform & its partners will help make better credit judgments on those filers when they are seeking loans. 0 SG Lee – Co-Founder & CEO, Toss, 3/19 2/17 8/17 2/18 8/18 2/19 Source: Toss. Korea JoongAng Daily Interview with SG Lee (3/19) Internet Trends 66 2019