Background: 185m people in the EU (14.5m in UK alone) live near the breadline and struggle to acquire major products and services. MISSION We commit to making a lasting positive difference to low-income families VISION To be serving 1 in 10 of those households by the end of the decade VALUES Do/ing the right thing PROPOSITION Fast Fair Rewarding Our Approach: Is revolutionary, breaking the mould of typical models and methods in this sector. We are built on 3 foundation stones: EXPERIENCE A management team deeply versed in financial services, this customer group, disruptive technology and across the key business disciplines. We also bring a solid background in rapid execution, digital marketing, data- driven engineering, and robust build of technology quickly and efficiently. SPIRIT We came together to build something meaningful. All of us at Hiya! want to make a difference and find a better way of looking after these customers, sustainably. PROPRIETARY IP Automation and big data put to work to dramatically strip-out costs and improve customer value.