Core Viewpoint - MoneyHero Limited has regained compliance with Nasdaq's minimum bid price requirement after its share price remained above $1.00 for 10 consecutive business days [1][3]. Group 1: Compliance with Nasdaq - The company received a Compliance Notice from Nasdaq on July 17, 2025, confirming it has met the minimum bid price requirement [1]. - Previously, on April 7, 2025, Nasdaq notified the company that it was not in compliance as its share price was below $1.00 for 30 consecutive business days [2]. - The company’s ordinary shares closed at $1.00 or greater from July 2, 2025, to July 16, 2025, leading to the closure of the compliance matter [3]. Group 2: Company Overview - MoneyHero Limited operates as a personal finance aggregation and comparison platform and a digital insurance brokerage in Greater Southeast Asia, including Singapore, Hong Kong, Taiwan, and the Philippines [4]. - The company has a diverse brand portfolio, including B2C platforms such as MoneyHero, SingSaver, Money101, Moneymax, and Seedly, as well as a B2B platform named Creatory [4]. - As of March 31, 2025, MoneyHero had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users across its platforms [4].

Core Insights - The inaugural MoneyHero Group Presents: SingSaver Best-Of Awards was held on July 17, 2025, to recognize excellence and innovation in Singapore's personal finance sector [1][2] - The event highlighted the importance of financial literacy and collaboration within the personal finance ecosystem in Singapore [2][3] Event Details - The gala was attended by over 170 guests, including senior executives from financial institutions, industry experts, and media representatives [2] - A total of 45 awards were presented across various categories, including credit cards, digital banks, investment products, and insurance [3] Award Highlights - Notable winners included: - Best Credit Card for Travel Rewards: UOB Visa Signature Card - Best Credit Card for Dining: HSBC Live+ Credit Card - Best Digital Bank for Seamless Onboarding: Trust Bank - Best Overall Travel Insurance Plan: FWD Premium - Best Global Insurance Provider: Allianz Partners [4] Company Commitment - MoneyHero's CEO, Rohith Murthy, emphasized the company's commitment to fostering innovation and collaboration in the personal finance sector [3] - The event aimed to strengthen partnerships and support the growth of the personal finance ecosystem in Singapore [3] Company Overview - MoneyHero Limited operates as a leading personal finance aggregation and comparison platform in Greater Southeast Asia, with a presence in Singapore, Hong Kong, Taiwan, and the Philippines [8] - The company had over 260 commercial partner relationships and approximately 5.7 million Monthly Unique Users as of March 31, 2025 [8]

Core Insights - MoneyHero Limited has launched the "SingSaver Best-Of Awards" to recognize outstanding personal finance products in Singapore [1][4] - The awards will evaluate 45 exceptional products across categories such as credit cards, digital banks, investing, and insurance [2] - The initiative aims to simplify financial decision-making for Singaporeans by highlighting products that offer exceptional value [3] Company Overview - MoneyHero Limited is a leading personal finance aggregation and comparison platform, operating in Greater Southeast Asia [9] - The company has a diverse brand portfolio, including platforms like MoneyHero, SingSaver, and Money101, and has over 260 commercial partner relationships as of March 31, 2025 [9] - MoneyHero had approximately 5.7 million Monthly Unique Users across its platform for the three months ended March 31, 2025 [9] Awards Program Details - The awards will be judged based on criteria such as annual fees, interest rates, sign-up incentives, and user experience [2] - Winners will be celebrated at a gala dinner on July 17, 2025, bringing together financial institutions and industry influencers [3] - Following the Singapore launch, MoneyHero plans to expand the awards program to Hong Kong, the Philippines, and Taiwan [4]

Financial Data and Key Metrics Changes - The company reported a revenue decline of 35% year-over-year to $14.3 million, reflecting a strategic pivot to reduce marketing spend and focus on higher quality and margin products [26] - The net loss narrowed significantly to $2.4 million from $13.1 million a year ago, marking an improvement of over $10 million [29] - Adjusted EBITDA loss improved to $3.3 million, indicating a clear path towards sustainable profitability [29] Business Line Data and Key Metrics Changes - Personal loans increased from 15% to 17% of total revenue, insurance grew from 8% to 13%, and wealth doubled to 12%, indicating a shift towards higher margin verticals [27] - Credit cards, while still the largest revenue driver at 57%, decreased from over 70%, reflecting successful diversification [9][27] Market Data and Key Metrics Changes - The company is seeing recovery in The Philippines after signing strategic partnerships with two top banks, which is expected to improve performance in the second half of the year [14] - The company has a strong cash position of $36.6 million and no debt, providing flexibility for growth and capital return options [30] Company Strategy and Development Direction - The company aims to achieve positive adjusted EBITDA in the latter part of 2025, with a revenue target of $100 million for the full year [7][30] - A focus on diversifying revenue streams into higher margin verticals like wealth and insurance is central to the strategy [8] - The company is leveraging AI to enhance operational efficiency and reduce costs, with a 26% year-over-year reduction in employee-related costs [15][28] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the path to profitability, emphasizing the importance of quality revenue over volume [6][23] - The company is proactively exploring opportunities in the digital asset space, aligning with its focus on expanding higher margin verticals [36][37] - Management highlighted the importance of maintaining a disciplined approach to capital allocation, particularly in light of potential market consolidation [71][72] Other Important Information - The company has implemented an RSU program to align employee incentives with shareholder interests, fostering a culture of ownership [18][19] - The company is actively working to improve visibility and credibility in the market, including onboarding a new investor relations partner [21][22] Q&A Session Summary Question: Can you talk more about the partnership with OSL and your plans for the digital asset space? - Management views the partnership as a strategic step into the digital asset space, offering enhanced user experiences and new monetization opportunities [36][37] Question: Can you discuss the margin improvement and its sustainability? - The margin expansion is attributed to a shift in revenue mix and optimization of costs, with expectations for continued sustainability [50][51] Question: What is the strategic value of the Credit Hero Club partnership with TransUnion? - The partnership enhances user engagement and approval rates, allowing for personalized recommendations based on real-time credit data [62][63] Question: How does the company view the competitive landscape evolution in Southeast Asia? - Management anticipates increased consolidation in the market, with the company well-positioned to capitalize on opportunities due to its strong cash position and market leadership [70][72]

Financial Data and Key Metrics Changes - The company reported a revenue decline of 35% year-over-year to $14.3 million, reflecting a strategic pivot to reduce marketing spend and focus on higher quality and margin products [29] - The net loss narrowed significantly to $2.4 million from $13.1 million a year ago, marking an improvement of over $10 million [32] - Adjusted EBITDA loss improved to $3.3 million, indicating a clear path towards sustainable profitability [32] Business Line Data and Key Metrics Changes - Personal loans increased from 15% to 17% of total revenue, insurance grew from 8% to 13%, and wealth doubled to 12%, while credit cards decreased to 57% from over 70% [30] - High-margin verticals now account for approximately 25% of total revenue, an increase of 11 percentage points year-over-year [30] Market Data and Key Metrics Changes - The company has signed strategic partnerships with two top banks in the Philippines, enhancing its product offerings and positioning as a digital customer acquisition channel [16] - The insurance segment, particularly car insurance, is experiencing significant momentum with a new end-to-end purchase journey launched in partnership with Boltec [12][13] Company Strategy and Development Direction - The company aims to achieve positive adjusted EBITDA in the latter part of 2025, targeting $100 million in revenue for the full year [8][33] - A focus on diversifying revenue streams towards higher margin verticals is central to the strategy, with an emphasis on operational efficiency and leveraging AI for cost reduction [18][25] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the path to profitability, highlighting improved unit economics and a leaner business model [8][33] - The company is proactively exploring opportunities in the digital asset space, aligning with its focus on expanding higher margin verticals [39][40] Other Important Information - The company ended the quarter with $36.6 million in cash and no debt, providing flexibility for growth and capital return options [33] - A broad-based RSU program was rolled out to align employee incentives with shareholder interests, fostering a culture of ownership [20] Q&A Session Summary Question: Can you talk more about the partnership with OSL and your plans for the digital asset space? - Management views the partnership as a strategic step into the digital asset space, offering enhanced user experiences and new monetization opportunities [39][40] Question: Can you discuss the margin improvement and if it will be sustainable? - The significant reduction in cost of revenue and improved revenue mix are expected to sustain margin improvements going forward [41][51] Question: What is the strategic value of the Credit Hero Club partnership with TransUnion? - The partnership enhances user engagement, approval rates, and monetization potential by providing personalized recommendations based on real-time credit data [65][66] Question: How does the company view the competitive landscape evolution in Southeast Asia? - The company anticipates consolidation trends in the market, positioning itself to capitalize on opportunities due to its strong cash position and market leadership [71][74]

[First Quarter 2025 Results](index=1&type=section&id=First%20Quarter%202025%20Results) [Management Commentary](index=1&type=section&id=Management%20Commentary) Management highlights significant progress in Q1 2025, driven by a strategic pivot initiated in 2024, achieving substantial reductions in net loss and Adjusted EBITDA loss through an improved revenue mix and enhanced operational efficiency - Successfully reduced net loss to **US$(2.4) million** in Q1 2025 from **US$(13.1) million** in Q1 2024, an improvement of over **US$10 million**[3](index=3&type=chunk)[15](index=15&type=chunk) - Adjusted EBITDA loss improved by **49% year-over-year** to **US$(3.3) million**, down from **US$(6.4) million**[3](index=3&type=chunk)[6](index=6&type=chunk)[15](index=15&type=chunk) - Strategic shift towards higher-margin verticals is proving effective, with insurance and wealth now constituting **25% of total revenue**, an **11-percentage-point increase year-over-year**[4](index=4&type=chunk)[6](index=6&type=chunk)[12](index=12&type=chunk) - Significant operational efficiency gains were achieved by leveraging AI and resetting the cost base, leading to a **20-point reduction in cost of revenue to 44%** and a **26% decrease in total operating expenses**[3](index=3&type=chunk)[5](index=5&type=chunk)[13](index=13&type=chunk) - Strengthened market position in the Philippines by securing new partnerships with BPI and RCBC, with a rebound expected in the second half of 2025[8](index=8&type=chunk) - The company is well-capitalized with **US$36.6 million in cash** and no debt, positioning it for growth initiatives and potential market consolidation[10](index=10&type=chunk) - The company is confident in its trajectory to accelerate revenue growth and achieve positive Adjusted EBITDA in the latter part of 2025[9](index=9&type=chunk)[16](index=16&type=chunk) [Financial and Operational Highlights](index=3&type=section&id=Financial%20and%20Operational%20Highlights) In Q1 2025, the company reported a 35% year-over-year decrease in revenue to $14.3 million, a deliberate result of a strategic shift to enhance revenue quality, leading to a significantly narrowed net loss and improved Adjusted EBITDA loss Q1 2025 Key Financial Highlights (YoY) | Metric | Q1 2025 | Q1 2024 | Change | | :--- | :--- | :--- | :--- | | Revenue | US$14.3M | US$22.2M | -35% | | Cost of Revenue | US$6.4M | US$14.1M | -55% | | Net Loss | US$(2.4)M | US$(13.1)M | +81.7% | | Adjusted EBITDA Loss | US$(3.3)M | US$(6.4)M | +48.6% | Q1 2025 Key Operational Highlights | Metric | As of/For Q1 2025 | As of/For Q1 2024 | Change | | :--- | :--- | :--- | :--- | | MoneyHero Group Members | 8.1 million | 5.9 million | +38% | | Monthly Unique Users | 5.7 million | N/A | N/A | | Approved Applications | 155,000 | 206,000 | -24.8% | [Detailed Financial and Operational Data](index=4&type=section&id=Detailed%20Financial%20and%20Operational%20Data) This section provides a granular breakdown of the company's Q1 2025 performance, detailing revenue composition, geographical contributions, capital structure, and key operational metrics [Summary of Financial/KPI Performance](index=5&type=section&id=Summary%20of%20Financial%2FKPI%20Performance) Q1 Performance Summary (in thousands) | Metric | Q1 2025 | Q1 2024 | | :--- | :--- | :--- | | Revenue (US$) | 14,314 | 22,175 | | Adjusted EBITDA (US$) | (3,309) | (6,440) | | Applications | 399 | 495 | | Approved Applications | 155 | 206 | [Revenue Breakdown](index=5&type=section&id=Revenue%20Breakdown) Revenue by Vertical (Q1 2025 vs Q1 2024) | Vertical | Q1 2025 Revenue (US$ '000) | Q1 2025 % of Total | Q1 2024 Revenue (US$ '000) | Q1 2024 % of Total | | :--- | :--- | :--- | :--- | :--- | | Credit cards | 8,173 | 57.1% | 15,426 | 69.6% | | Personal loans | 2,495 | 17.4% | 3,297 | 14.9% | | Wealth | 1,663 | 11.6% | 1,387 | 6.3% | | Insurance | 1,892 | 13.2% | 1,827 | 8.2% | Revenue by Geographical Market (Q1 2025 vs Q1 2024) | Market | Q1 2025 Revenue (US$ '000) | Q1 2025 % of Total | Q1 2024 Revenue (US$ '000) | Q1 2024 % of Total | | :--- | :--- | :--- | :--- | :--- | | Hong Kong | 6,396 | 44.7% | 7,716 | 34.8% | | Singapore | 5,084 | 35.5% | 8,944 | 40.3% | | Philippines | 1,779 | 12.4% | 3,979 | 17.9% | | Taiwan | 1,054 | 7.4% | 1,402 | 6.3% | [Key Metrics](index=6&type=section&id=Key%20Metrics) MoneyHero Group Members by Market (as of March 31) | Market | 2025 (millions) | 2024 (millions) | YoY Change | | :--- | :--- | :--- | :--- | | Philippines | 5.5 | 3.4 | +61.8% | | Singapore | 1.4 | 1.2 | +16.7% | | Hong Kong | 0.9 | 0.7 | +28.6% | | Taiwan | 0.4 | 0.3 | +33.3% | | **Total** | **8.1** | **5.9** | **+37.3%** | Monthly Unique Users for Q1 2025 (in millions) | Market | Users | % of Total | | :--- | :--- | :--- | | Taiwan | 1.8 | 31.2% | | Philippines | 1.7 | 29.0% | | Singapore | 1.3 | 22.6% | | Hong Kong | 1.0 | 17.3% | | **Total** | **5.7** | **100.0%** | [Capital Structure](index=4&type=section&id=Capital%20Structure) Capital Structure as of March 31, 2025 | Share Class | Issued and Outstanding | | :--- | :--- | | Class A Ordinary | 29,949,193 | | Class B Ordinary | 13,254,838 | | Preference Shares | 2,407,575 | | **Total Issued Shares** | **45,611,606** | [Financial Statements](index=11&type=section&id=Financial%20Statements) [Unaudited Consolidated Statements of Loss and Other Comprehensive (Loss)/Income](index=11&type=section&id=Unaudited%20Consolidated%20Statements%20of%20Loss%20and%20Other%20Comprehensive%20%28Loss%29%2FIncome) For the first quarter ended March 31, 2025, the company reported a net loss of $(2.4) million, a significant improvement from the $(13.1) million loss in the same period of 2024, driven by substantial reductions in cost of revenue and operating expenses Consolidated Statement of Loss (US$ in thousands) | Account | For the Three Months Ended March 31, 2025 | For the Three Months Ended March 31, 2024 | | :--- | :--- | :--- | | **Revenue** | **14,314** | **22,175** | | Cost of revenue | (6,363) | (14,106) | | Operating loss | (3,040) | (12,291) | | **Loss for the period** | **(2,449)** | **(13,100)** | | **Total comprehensive loss for the period** | **(3,827)** | **(9,386)** | | **Loss per share (Basic and diluted)** | **(0.1)** | **(0.3)** | [Unaudited Consolidated Statements of Financial Position](index=12&type=section&id=Unaudited%20Consolidated%20Statements%20of%20Financial%20Position) As of March 31, 2025, MoneyHero Group reported total assets of $76.5 million and total liabilities of $31.7 million, resulting in net assets of $44.8 million, supported by a strong liquidity position with $36.6 million in cash and cash equivalents Consolidated Statement of Financial Position (US$ in thousands) | Account | As of March 31, 2025 | As of December 31, 2024 | | :--- | :--- | :--- | | **Total assets** | **76,531** | **80,883** | | Total current assets | 73,472 | 78,282 | | *Cash and cash equivalents* | *36,634* | *42,522* | | **Total liabilities** | **31,690** | **32,656** | | Total current liabilities | 31,007 | 32,147 | | **Total equity** | **44,841** | **48,227** | [Supplementary Information](index=7&type=section&id=Supplementary%20Information) [Key Performance Metrics and Non-IFRS Financial Measures](index=8&type=section&id=Key%20Performance%20Metrics%20and%20Non-IFRS%20Financial%20Measures) This section defines key operational metrics and non-IFRS financial measures, noting that a transition to Google Analytics 4 (GA4) impacts comparability of certain metrics with prior periods, and provides a reconciliation for Adjusted EBITDA - The company transitioned its analytics platform from Universal Analytics (UA) to Google Analytics 4 (GA4) on July 1, 2024, making metrics such as 'monthly unique users', 'traffic', and 'clicks' not comparable to periods prior to this date due to different methodologies[29](index=29&type=chunk) - Adjusted EBITDA is a non-IFRS measure defined as loss for the period adjusted for depreciation, amortization, interest, taxes, equity-settled share-based payments, transaction expenses, changes in fair value of financial instruments, and other non-recurring or non-cash items[37](index=37&type=chunk) Reconciliation of Loss for the period to Adjusted EBITDA (US$ in thousands) | Line Item | For the Three Months Ended March 31, 2025 | For the Three Months Ended March 31, 2024 | | :--- | :--- | :--- | | Loss for the period | (2,449) | (13,100) | | Adjustments (Depreciation, finance costs, non-cash items, etc.) | (860) | 6,660 | | **Adjusted EBITDA** | **(3,309)** | **(6,440)** | [Conference Call Details](index=7&type=section&id=Conference%20Call%20Details) The company will host a conference call and webcast on Friday, June 13, 2025, at 8:00 a.m. Eastern Standard Time (8:00 p.m. Singapore Standard Time) to discuss its Q1 2025 financial results - A conference call and webcast to discuss Q1 2025 results is scheduled for Friday, June 13, 2025, at 8:00 a.m. EST / 8:00 p.m. SST[27](index=27&type=chunk) [About MoneyHero Group](index=7&type=section&id=About%20MoneyHero%20Group) MoneyHero Group is a prominent personal finance aggregation and comparison platform and digital insurance brokerage in Greater Southeast Asia, operating in Singapore, Hong Kong, Taiwan, and the Philippines - MoneyHero Group is a leading personal finance platform in Greater Southeast Asia, operating in Singapore, Hong Kong, Taiwan, and the Philippines[28](index=28&type=chunk) - As of March 31, 2025, the company had over **260 commercial partners** and averaged **5.7 million Monthly Unique Users** in Q1 2025[28](index=28&type=chunk) [Forward Looking Statements](index=10&type=section&id=Forward%20Looking%20Statements) This section serves as a standard legal disclaimer, cautioning that the report contains "forward-looking statements" based on current estimates and forecasts, which are subject to numerous risks and uncertainties, and actual results could differ materially - The document contains forward-looking statements subject to risks and uncertainties that could cause actual results to differ materially from expectations[40](index=40&type=chunk)

Core Insights - MoneyHero Limited reported significant financial improvements in Q1 2025, reducing net loss to US$(2.4) million from US$(13.1) million year-over-year, and improving Adjusted EBITDA loss to US$(3.3) million from US$(6.4) million [2][12][15] - The company is focusing on higher-margin verticals such as insurance and wealth, which now account for 25% of total revenue, an increase of 11 percentage points year-over-year [3][10] - Operational efficiency has been enhanced through AI implementation, leading to a 26% reduction in total operating expenses year-over-year [4][11] Financial Performance - Revenue decreased by 35% year-over-year to US$14.3 million, reflecting a strategic shift towards improving revenue quality [15][18] - Cost of revenue fell by 55% year-over-year to US$6.4 million, accounting for 44% of total revenue, down 20 percentage points from the previous year [9][10] - Monthly Unique Users increased by 38% year-over-year to 5.7 million, with MoneyHero Group Members growing to over 8 million [5][22] Strategic Initiatives - The company has secured new partnerships in the Philippines, which are expected to enhance market position and performance in the second half of 2025 [6] - Plans to launch Credit Hero Club in collaboration with TransUnion aim to provide consumers with free credit scores and personalized financial product recommendations, driving user engagement [7] - The company maintains a strong cash position of US$36.6 million with no debt, positioning it well for future growth initiatives [8] Revenue Breakdown - Revenue from insurance products increased by 4% year-over-year to US$1.9 million, accounting for 13% of total revenue [15][19] - Revenue from wealth products surged by 20% year-over-year to US$1.7 million, representing 12% of total revenue [15][19] - The reliance on lower-margin credit cards decreased, with credit card revenue dropping 13 percentage points to 57% of total revenue [10][15] Operational Highlights - The company sourced 399,000 applications in Q1 2025, with 155,000 approved applications [15][18] - Total operating costs and expenses decreased to US$18.3 million from US$30.4 million year-over-year, driven by targeted marketing and technology cost streamlining [11][15] - The strategic pivot initiated in 2024 is showing positive results, with a focus on revenue quality and operational efficiency [8][12]

Core Insights - MoneyHero Limited has announced a strategic collaboration with OSL Group to expand its digital asset wealth product offerings in Hong Kong, aiming to enhance financial wellbeing for consumers [1][2][3] Company Overview - MoneyHero Limited operates as a personal finance aggregation and comparison platform, as well as a digital insurance brokerage provider in Greater Southeast Asia, with operations in Singapore, Hong Kong, Taiwan, and the Philippines [4] - The company had over 290 commercial partner relationships as of December 31, 2024, and approximately 6.2 million Monthly Unique Users for the three months ended December 31, 2024 [4] Industry Trends - There is a growing interest in digital assets in Hong Kong, with 8% of retail investors having invested in virtual assets in 2023, up from 1% in 2019, and 11% showing intention to invest [2] - The collaboration addresses the increasing demand for diversified financial solutions in the region [2] Strategic Collaboration - The partnership allows MoneyHero users to compare digital asset account products from leading SFC-licensed platforms like OSL, alongside traditional financial products [2][3] - OSL is recognized as a leader in the regulated digital asset space in Asia, providing valuable support for MoneyHero's expansion into this sector [3] Regulatory Compliance - OSL Group is dedicated to providing regulatory-compliant financial services and has a comprehensive suite of regulated services, including OTC brokerage and custody solutions [5][6] - The collaboration emphasizes the importance of accessible and regulated pathways to digital assets for sustainable industry growth [3]

Core Insights - MoneyHero Limited has announced a strategic partnership with RCBC, a leading credit card issuer in the Philippines, to integrate RCBC's credit card products into its digital platform, enhancing consumer access to financial products [1][2]. Group 1: Company Overview - MoneyHero Limited is a leading personal finance product comparison platform and digital insurance brokerage in Southeast Asia, operating under the NASDAQ ticker MNY [1]. - The company has a presence in markets including Singapore, Hong Kong, Taiwan, and the Philippines, with a diverse brand portfolio that includes MoneyHero, SingSaver, Money101, Moneymax, and Seedly [2]. - As of December 31, 2024, MoneyHero collaborates with over 290 business partners and has more than 6.2 million monthly unique users [2]. Group 2: Partnership Details - The partnership aims to expand MoneyHero's credit card product coverage in the Philippines and solidify its position as a preferred digital customer acquisition partner for regional banks [1]. - RCBC's credit card business has shown significant growth, with credit card receivables increasing by 48% and the number of circulating cards rising by 21% in 2024, indicating strong market demand [2]. - The collaboration will leverage MoneyHero's digital transformation expertise and RCBC's growth momentum in consumer finance to enhance user experience and promote a more inclusive digital financial ecosystem [1][2]. Group 3: RCBC Overview - RCBC is a leading financial services provider in the Philippines, offering a wide range of banking and financial products, including traditional banking, investment banking, micro-lending, retail credit, remittances, leasing, foreign exchange trading, and securities brokerage [3]. - RCBC is part of the Yuchengco Group of Companies, one of the oldest and largest corporate groups in Southeast Asia [3]. Group 4: RCBC Bankard Services Corporation - RCBC Bankard Services Corporation manages RCBC's credit cards, personal loans, and merchant payment solutions, focusing on innovative cashless payment solutions and diverse value-added services [4].

Core Insights - MoneyHero Limited has announced a strategic partnership with Rizal Commercial Banking Corporation (RCBC) to integrate RCBC's credit card products into MoneyHero's digital platform, enhancing financial service accessibility for Filipinos [1][2][3] Company Overview - MoneyHero Limited operates as a personal finance aggregation and comparison platform, as well as a digital insurance brokerage in Greater Southeast Asia, with a presence in Singapore, Hong Kong, Taiwan, and the Philippines [4] - The company had over 290 commercial partner relationships and approximately 6.2 million Monthly Unique Users as of December 31, 2024 [4] Partnership Details - The partnership aims to expand MoneyHero's credit card offerings in the Philippines, positioning it as a leading digital acquisition partner for banks in the region [2] - RCBC's credit card business has shown significant growth, with credit card receivables increasing by 48% and cards in force rising by 21% in 2024 [3] Strategic Goals - The collaboration is expected to improve customer experience and promote a more inclusive financial ecosystem by leveraging MoneyHero's digital conversion expertise and RCBC's consumer finance growth [2][3] - The partnership aligns with MoneyHero's mission to simplify financial choices for consumers and support bank partners in driving digital acquisition [3]