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Published by pan26256, 2022-03-25 13:42:32

PayLater by GrabTH 2022

PayLater by GrabTH 2022

Keywords: Credential

Grab Confidential

SEA BNPL market outlook

BNPL trend is coming to SEA - We are looking to repeat Grab’s success in MY and SG

BNPL trend has disrupted the payment market in Europe, US and Grab already penetrate in SG, MY and
Australia and expected to grow further looking to repeat success in TH

Key value proposition for Global BNPL market size [USD bn] TPV PayLater Online growth [%]
merchants
TPV PayLater Online growth [%]
44% increase in conversion rate
on online stores Confidential - For Internal Use Only - 2

85% avg. uplift in AOV

64% of BNPL purchase are from
repeating customer

Offering value beyond
credit card

In mature market e.g.
Austratlia, BNPL growth are
disrupting the market as credit
card show signs of decline

Who we are

We are South East Asiaʼs Leading Super App

Grab connects millions of consumers to millions of drivers, merchants and businesses

214+ 9 #1 everyday app

million million in the region

App downloads Micro entrepreneurs 2 x active users

399 8 YTD, compared to the #2 super app
in SEA
Cities Countries
(Based on AppAnnie data to July)

Higher value users

More average sessions / user and
average session duration compared to

#2 super app in SEA

(Based on AppAnnie data)

Grab in Thailand GFG’s vision for 2022

Spans Mobility, Delivery and Financial services GrabPay GrabReward

Grab Financial Group “Introduce Online “Loyalty program
(GFG) Acceptance & where consumers
can earn points with
PayLater to consumer
in 2022” every Grab
transaction”

GrabFinance GrabInsure

“Accelerate lending “More offers to
program to provides simple, convenient

drivers and and affordable
merchants greater insurance
access to a suite of products”
financial services ”

Confidential - For Internal Use Only - 4

Strictly Financial Group
5

Focusing GrabPay users, our high value customers

Grab’s customers We focus on GrabPay users, our HVC for BNPL launch

“Digital savvy customer base” GrabPay users have higher spending Average monthly ARPU

● GrabPay users are high spenders: higher
monthly spending, more avg. monthly orders

● They are our HVC who spends 132% above cash
users on the platform

75% 45% Customer retention rate1) [%]

WHITE-COLLAR MILLENNIALS

63% 40% GrabPay users are also loyal to the

FEMALE UPCOUNTRY platform

● GrabPay users sticks to our platform -
significantly higher retention rate (+150%) above
cash users

● They are loyal repeating customers that we can
bring to you

Confidential - For Internal Use Only - 6

What is PayLater by GrabFin

Introducing Giving shoppers the flexibility to choose
how they pay
✔ BNPX E-Commerce
✔ Seamless Paylater Pay in full now Pay in 4 instalments
✔ Variety of Merchants &
For customers who: For customers who:
Shopping Tiles + want an easy, secure way to pay with want to afford higher ticket
Promo purchases, manage cash flow and
GrabPay online and earn rewards. spread payment into bite-sized
“PayLater by GrabFin” creates seamless online pay
& paylater experiences, more rewarding way to Why use this? instalments
spend and focus on driving incremental sales to Forget your 16 digit card number.
merchants. Why use this?
Seamlessly check out with Especially convenient for lifeʼs
just your phone number. bigger spends. Buy it now and

✓ Encryption pay it back in 4 instalments
✓ Earn GrabRewards
✓ Buyer protection ✓ Spread your payment into
✓ Variety source of Fund (Credit/Debit) 4 monthly instalments

✓ 0% interest, no hidden fees

How it works!

Customers enjoy benefits Get paid upfront Lower your risk

0% Interest, no hidden fees! Merchant will get paid within 1 day for We bear credit liability, including
Make payment every month in 4 installments purchases made with GrabFin. fraud and customer late payments.
Get exclusive promo! So you can focus on growing your
business.

A simple but product for Online Acceptance & BNPL

“User-friendly” & “Easy to use” flow throughout

Customer browse product at More payment channel with Option to do BNPL or pay Enter PIN Complete!
Merchant website Grabpay via GrabPay Confidential - For Internal Use Only -

Working in partnership, we will boost your sales volumes

Before shopping User Journey Grab channels Partner Channels

During the online shopping journey Awareness Educates via owned & paid. Educates via owned (& paid).
Of availability
PayLater and Drives consideration (where to shop) via Drive consideration (what to buy and how
how it works. owned, paid & shop directory. much to spend) via website.

Consideration Clear communication of Reminds about PayLater at checkout
Thinking about benefits at checkout. and in retargeting.

what to buy,
where to shop and

how much to
spend.

Conversion
Paying.

Confidential - For Internal Use Only - 10

PayLater by GrabFin Ecosystem - Smartest shopping experience

1. Affiliate Marketing 2. Payment (Pay Now or Pay later) 3. Loyalty Program

Generating high quality leads to conversions

Product Discovery Introduce PayLater with benefits to consumers
Drive sales and traffic to key merchants and
Product discovery create dominos effect by setting clear metrics
from various e.g CTR, Conversion Rate, Incremental Sales
marketing tools that
leads to Grab’s Flexible partnership model
banners at We offer unique marketing approach for each
Merchant websites partners to maximize results

Benefits to customers Benefits to Merchants
1. Driving incremental sales and traffics with Product
1. Shops more categories with already familiar Discovery and PayLater - first of its kind in TH
experiences plus more flexibility 2. Flexible partnership model for merchants: all are
driven by key results with “Pay per use” model
2. Ways to spend with rewards/ or cashback plus
special deals of the week. Confidential - For Internal Use Only -
11

Our marketing channels will drive conversion

Grab Push Notification Feed Card Payment Discovery Online Merchant Grab Ads
Marketing to Inbox Pop up Reward Directory
Channels Subject to availability

NSpeownsoPraendtbeyne
PG&oGld series

*The communication channels date and availability is solely subject to Grab’s discretion. Grab reserves the right to alter, extend, or Confidential - For Internal Use Only - 12
terminate any communication channels relating to this campaign without prior notice. In case of any disputes arising from this
campaign, the decision of Grab shall be final

Boosting marketing reach outside of Grab App with paid digital
and social media marketing

Facebook Ads Instagram Ads

Own the hottest fashion accessories now. Shop
and pay in 4 easy interest-free instalments with
PayLater! PLUS get 6,888 GrabRewards point
when you spend RM150. T&Cs apply.

Shop-thru Activate Now In 4 easy Activate Now Interest-free. Activate Now Get it all online! Activate Now
the year. instalments.

*The communication channels date and availability is solely subject to Grab’s discretion. Grab reserves the right to alter, extend, or Confidential - For Internal Use Only - 13
terminate any communication channels relating to this campaign without prior notice. In case of any disputes arising from this
campaign, the decision of Grab shall be final

Displaying PayLater instalment information on your platform to
highlight value proposition

With the Price Divider Display, it allows us to share our value proposition to our customers:
1. Longer BNPL payment tenure of 3 months = Lower instalment price per month
2. Interest-free instalments and no hidden charges
3. Fast and secure checkout

Confidential - For Internal Use Only - 14

Our Proposition

Join us! and drive sales with bigger basket sizes and
deeper loyalty from your shoppers

OUR PARTNERS

More than 300,000 partners accept GrabPay across the region.

Online Offline

~10,000+ websites ~300,000+ touch points

Payment Service Providers Platforms

100+ PSPs


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