THE FINTECH BUSINESS PLAN.

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Running head: FINTECH BUSINESS PLAN
FINTECH BUSINESS PLAN
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FINTECH BUSINESS PLAN
Executive summary
The aim of the report is to make an assessment of the business of Fin-intel a fintech company
which produces a software that can be used by companies to solve the cask flow related
problems of companies. The report contains detail analysis of the various aspects of the
business, like product summary, market segments, SWOT analysis and the marketing
strategies. The business plan concludes with the analysis of the assumptions that are used to
prepare the projected income statement, cash flows and evaluate the financial viability of the
business.
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Table of Contents
Introduction................................................................................................................................3
Discussion..................................................................................................................................3
Conclusion................................................................................................................................12
References................................................................................................................................13
Appendix..................................................................................................................................15
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Introduction
Fin-intel is a fintech company that uses machine learning and large data to make the
daily process of cash management automated which will save the time of the companies and
provide remedy to solve the problems of handling cash inflow and cash outflow by providing
useful information to the companies. The business plan provides an overview of the strategy
that the company will frame for the coming five years, what type of service it will provide to
its potential customers, and an analysis of the estimated financial performance of the
company is made on the basis of the current business model.
Discussion
Product summary
Fin-intel will prepare a software that will impeccably connected with the accounting
system of the company and the entrepreneurship resource planning system to give effective
insights to enhance the position of their cash flow by combining the data sources that are not
dependent and along with that it will provide pre built algorithms that can identify the
probable problems or opportunities that will assist a company to make the process of
recording the cash inflow and outflows automated, in addition to that the software can also
provide probable solution to solve difficult problems in the same process as an in house
financial consultant can provide [1]. The major solutions that Fin-intel provides through its
unique algorithms are stated below:

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FINTECH BUSINESS PLAN
The company can get payments from the customers easily and without any delay by
using the software.
The product can help the companies to identify the opportunity that will help increase
the profitability of the company and will also help to generate more cash flows and
streamline operations.
Reduce the probable risk that the company has to face by using the analytical tools
provided in the software that will help the company to predict the risk and accordingly
the organisations can take steps to mitigate such risk. this software also provides the
probable process of solving this kind of risks.
This software will make it possible for the company to build a strong relation with the
customers by providing actionable perceptions transverse data sources [2].
Market summary
It is often observed that most of the small business does not get success, and this
happens mostly due to the problem of mismanagement of the cash flows, it is a global
recognition problem. Although this problem occurs due to in efficiency of the accounting
management, or ERP systems and may results from the segment of the customers, group of
vendors or simply due to the mismanagement. The software prepared by Fin-intel will help
the organisations to detect these problems before such problems occurs, when the possible
trends of such problems trend to emerge, the inbuilt system provides a solution that will
reduce the risk and the management will be able to handle such situations more effectively
[3]. some of the general reasons for which such cash management problem occurs are
narrated below, which can be easily detected and solved by using the automated programmes
provided by the software of Fin-intel,
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In efficiency in the process of collection of dues from the customers
Decrease in the volume of sales along the pipeline of the CRM.
Abnormal increase in the overhead expenses in comparison to sales.
Wrong prediction of the future cash flows and making inability to prepare a proper
planning to generate more revenue in the future.
Five-year mission
The main mission of the Fin-intel in the coming five years will be
Introduction of more advanced version of the software which includes beta
technology.
Meeting financial industry shows and conventions.
Integrating the software with the major accounting, CRM, and entrepreneur resource
planning platforms.
Trying to expand internationally and to capture the market of all the developed
countries[5].
Key factors of success
Fin-intel has detected the undermentioned factors which will be considered as their key to
success
The implementation of the linear estimation model for automating the process of
workflow.
Providing early warning signals of cash flow problems and to detect the areas from
which such problems may occur.
Making it applicable for all the small and medium enterprises irrespective of any
industry.
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User generated models of workflows that allow virtually limitless content [12].
Creating a platform that will improve with more use, and to earn the trust of the
customers.
Having a management team that has high experience and have essential resources in
the international market.
Fin intel an advanced fintech solution
The automatic artificial intelligence tool of the software can provide these basic
functions. The primary function that it offers to the customers is the synchronisation of data
within the platforms that the organisations will use to determine the methods that they will
use to increase the cash inflows. The system will bring out data from the platforms, and
merge it with the in-house data uploaded by the organisation from that combined data the
company will run the artificial intelligence system to get recommendations and to create self
learning workflow automation techniques [4].
Automation of workflow
By using automation tools, it will be possible for the organisations to analyse a
particular task in the system, and on that basis will learn the common process of doing the
task, and finally requests to allow the system to develop a workflow.
Perceptions of the cash flows and commendations
The linear prediction models help to inspect the data across different sources from
selling of goods to receiving payment from the customers to create estimation on the basis of
the past information. This will help to determine the trend of the sales in different periods of
the year, issues related with the collection of dues from the customers and other factors on the
basis of the past performance of the company which can affect the flow of cash in the coming

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FINTECH BUSINESS PLAN
days. This a important factors for the companies as this can assist them to manage the capital
expenditures and the problems related with fund raising and mitigate the risk related with
liquidity issues [7].
A predefined automation tool is provided in the software prepared by fin intel, and in
addition to that it will provide the option to the users to create their own workflow
automation tool that will help them to work in accordance to their own system.
Industry synopsis
The fintech industry is indispensable for most of the companies all around the globe,
for such reason the fintech business is profitable in spite of the increasing prevalence of
software piracy, legal issues, high cost of research and development and high rate of
employee costs as it requires the usage of professional and skilful workers. During the first
five years of operation the Fin-intel company will focus on strategic growth and development
of the software. By improving the quality of the software, the company will try to capture the
market and expand the customer base [6].
Market requirement
There is often a mismanagement occurs among the cash flow analysts in identifying
the problems and the areas from which such problems may occur. For instance, the reduction
of cash flow may occur due to non payment of several customers, but why such bad
payments occurs can be answered through CRM interaction or it can be a vendor issue if the
product is defective [9].
The problem of cash flow has trickle down effect and need seamless integration to
detect and solve the main cause for which such problems may occurs, some of the common
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reasons for which such issue occurs and how such problems can be solved by using the
software of Fin-intel are enumerated below:
Problem:
In efficiency of the process of collection
Solution
Provided by fin intel: will provide reports automatically in which suggestions will be
given to structure and streamline the accounts collection.
Problem:
Decrease in the volume of sales somewhere along the CRM pipeline
Solution
Helps to find out the trends in the CRM which will be helpful in identifying the
profitable customers.
Problem
Abnormal increase in the overhead expenses
Solution
This software will automatically inspect the future cash flow which will assist the
organisations to manage the future overhead expenses.
Problem
Not sure about the cash flow generating capacity in the future and inability to frame a
effective plan.
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Solution
The probability model will help in estimation of the future cash flow generation in the
real time basis without giving excessive efforts.
Trend of the market
In the modern days’ companies are started to use fintech software as an alternative to
their in-house team. The software reduced the need of human resources in managing the
accounting works and the cash management system. Fin intel will take this opportunity and
capture the huge market [8].
Market segmentation
Fin-intel has made the market segmentation on the basis of three categories these
includes the small business where the number of employees is ranging between 1 to 5, the
medium size business where the number of employees are 6 to 10 and the large enterprises.
Fin-intel want to capture the small and medium size enterprises where the human resources
are less and for that reason, they have to install the software [10].
Strategy and implementation strategy
The main strategy of fin -intel is to enter the market as a software based fintech
company which provides solution to solve problems that are related with the receiving and
paying cash, along with providing statistical and automation tools that will help to predict the
trend of the future cash generation capacity of the organisation. once the users get
accustomed with the basic features of the software the licenced version of the software will
be launched in the market [11].

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FINTECH BUSINESS PLAN
With the increase of the sales of the licensed version the company will make
additional features which includes automation of the workflow and artificial intelligence
suggestions that will help the companies to take effective decisions regarding the
management of the future cash flows [15].
Management team
John miller
He is the chief executive officer of the organisation who will look after all the affairs
of the company.
Susan doe
She is appointed as the chief operating officer.
Kevin Willcort
He is the chief financial officer of the company and looks after the financial aspects of
the organisation.
Adrian jones
Legal compliance officer.
Swot analysis of Fin-intel
Strengths
The software is the main strength of the company as it is developed by the best
experts’ in the market and insights learned from the best global cash flow
management practices.
The software can be sold directly to the clients from the website of the company.
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The technology is completely prepared for commercialisation and only needs funding
The model of the automated technology will be very useful for the companies to
predict the future cash flows [13].
Weakness
High research and development cots can reduce the profitability
Have to incur more cost for promotion as the software is entirely new in the market.
Have to give free seminars to the first users as they are not aware about the use of the
software [14].
Opportunities
The increase of demand the software launched by the fintech companies creates
opportunity for fin intel.
Threats
The company will get threat from the other big fintech companies as they can easily
add similar kind of features in their products.
Marketing strategy
The company has adapted the following marketing strategy to capture the market
Business development
Arranging seminars
Merging with strategic partners
Promotion strategy
Digital marketing
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Providing free samples of the trial version of the software.
Financial forecasts
The financial forecast will indicate how the organisation will perform in the first
twelve months of its operation and how it will perform in the next five years. The estimations
are made on the basis of the predicted range of revenue. It is assumed that in the first 11
months of the operations and the company will achieve profitability from the second year of
operations. The projected profit or loss, balance sheet, cash flows are shown separately in the
appendix. Along with the financial statements a breakeven analysis and scenario analysis has
also been made which will help to frame strategies in the future [16].
Conclusion
From the above discussion it can be concluded that the fin intel will be able to capture
the market with its innovative software. From the business plan it can be observed that with
the increase of demand of the fintech companies fin intel will be able to capture the market
and become a successful venture in the future.

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References
(1) Geranio, M. Fintech In The Exchange Industry: Potential For Disruption?. Masaryk
University Journal of Law and Technology 2017, 11 (2), 245-266.
(2) Svensson, C.; Udesen, J.; Webb, J. Alliances In Financial Ecosystems: A Source Of
Organizational Legitimacy For Fintech Startups And Incumbents. Technology Innovation
Management Review 2019, 9 (1), 20-32.
(3) Cumming, D.; Schwienbacher, A. Fintech Venture Capital. SSRN Electronic Journal
2016.
(4) Jusni; Aswan, A.; Reni Syamsuddin, A.; Taufiq Possumah, B. Financing Profitability
Optimization: Case Study On Sharia Business Unit Of Regional Development Banks In
Indonesia. Banks and Bank Systems 2019, 14 (1), 1-10.
(5) Clavijo, S.; Vera, N.; Beltran, D.; Londoño, J. Digital Financial Services (FINTECH) In
Latin America. SSRN Electronic Journal 2019.
(6) Hamdani, N.; Herlianti, A.; Amin, A. Society 5.0: Feasibilities And Challenges Of The
Implementation Of Fintech In Small And Medium Industries. Journal of Physics: Conference
Series 2019, 1402, 077053.
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(7) Bukharin, H. Fintech: Trends Of Development And Regulatory Policy. Herald of
Zaporizhzhia National University. Jurisprudence 2019, No. 1, 13-20.
(8) Mix, A. Follow The Money. Oceanography 2017, 30 (2).
(9) Hendriyani, C.; Raharja, S. STRATEGI AGILITAS BISNIS PEER-TO-PEER LENDING
STARTUP FINTECH DI ERA KEUANGAN DIGITAL DI INDONESIA. AdBispreneur
2019, 4 (1), 19.
(10) Münz, R. Ten Trends Shaping Migration. Pädiatrie & Pädologie 2018, 53 (S1), 5-10.
(11) Gogolin, G. The Digital Crime Tsunami. Digital Investigation 2017, 7 (1-2), 3-8.
(12) Chen, M.; Wu, Q.; Yang, B. How Valuable Is Fintech Innovation?. The Review of
Financial Studies 2019, 32 (5), 2062-2106.
(13) Hung, J.; Luo, B. Fintech In Taiwan: A Case Study Of A Bank’S Strategic Planning For
An Investment In A Fintech Company. Financial Innovation 2016, 2 (1).
(14) Kalmykova, E.; Ryabova, A. Fintech Market Development Perspectives. SHS Web of
Conferences 2016, 28, 01051.
(15) Arner, D.; Zetzsche, D.; Buckley, R.; Barberis, J. Fintech And Regtech: Enabling
Innovation While Preserving Financial Stability. Georgetown Journal of International Affairs
2017, 18 (3), 47-58.
(16) Jünger, M.; Mietzner, M. Banking Goes Digital: The Adoption Of Fintech Services By
German Households. Finance Research Letters 2019.
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Appendix

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