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Szanowni Akcjonariusze,
W związku z licznymi komentarzami dotyczącymi aktualnej sytuacji Spółki a także groźbami w stosunku do Zarządu Spółki, chciałbym odnieść się do pojawiających się wątpliwości oraz przedstawić aktualną sytuację Fintech Ventures S.A.
READ MORENa wstępie pragnę przede wszystkim uspokoić Was – akcjonariuszy. Fintech Ventures S.A. konsekwentnie realizuje swoją strategię i mimo trudnego czasu na rynkach światowych, związanego z pandemią COVID-19, z wybuchem wojny w Ukrainie i galopującą inflacją, udaje się nam osiągać kolejne kamienie milowe naszego planu.
W dniu 7 czerwca 2022 roku zawarliśmy umowę sprzedaży wszystkich należących do Spółki udziałów w spółce PU Group Ltd. z siedzibą w Londynie („PUG”), właściciela marki SPOKO.APP oraz Payment and security solutions World Wide AB z siedzibą w Stallbacken („PASS”). Decyzja o sprzedaży podyktowana jest najlepszym interesem Spółki oraz maksymalizacją wartości PUG. Nabywca SPOKO.APP, posiadający łącznie 100% akcji PUG jest w stanie uzyskać dla Spoko.app dodatkowe źródła finansowania w krótkim terminie, a także przyczynić się do jej rozwoju i ekspansji na rynkach międzynarodowych. Co istotne nabywca wprowadzi akcje spółek PUG i PASS do wehikułu typu SPAC („SPAC”) (ang. Special Purpose Aquisition Company) wprowadzonego do obrotu na rynku giełdowym w Londynie. Zapłata ceny za udziały PUG i PASS nastąpi w akcjach spółki SPAC, po wniesieniu do niej aktywów PUG i PASS oraz rozpoczęciu notowań akcji SPAC na giełdzie w Londynie.
Spółka wskazuje, że upublicznienie aktywów PUG i PASS umożliwi wycenę tych aktywów na giełdzie londyńskiej oraz zapewni finansowanie zaplanowanej ekspansji międzynarodowej Spoko.app, ze środków będących w dyspozycji SPAC. Pragnę podkreślić, że rynek londyński jest jednym z najbardziej dojrzałych rynków fintech, co gwarantuje stabilny rozwój Spoko.app. Dodatkowo wskazuję, że ostateczny termin na wprowadzenie PUG oraz PASS do SPAC i rozpoczęcie notowań wynosi 5 miesięcy od dnia zawarcia umowy. Oznacza to, że SPAC będzie w publicznym obrocie na giełdzie londyńskiej do dnia 7 listopada 2022 r.
PUG (Spoko.app) pozostaje głównym i strategicznym aktywem Spółki wokół którego Spółka buduje dalszą strategię. W przypadku, gdyby nie doszło do wniesienia aktywów do SPAC, we wskazanym terminie, Spółka otrzyma zwrot całości udziałów PUG i PASS.
Dnia 18 sierpnia 2021 roku Spółka zawarła umowę sprzedaży 8.111.158 akcji (stanowiących 66,90% kapitału zakładowego) spółki International Gaming Systems AB z siedzibą w Szwecji pomiędzy Emitentem, a spółką Global Direct Partners AB z siedzibą w Szwecji za łączną kwotę 30 mln zł.
Zgodnie z informacjami przekazanymi Państwu w komunikacie z dnia 12 lipca 2022, Spółka zawarła z kupującym aneks do umowy sprzedaży, dzięki któremu cena sprzedaży wzrosła do 31,5 mln zł. Zapłata ceny ma nastąpić do 12 grudnia 2022 roku. Dodatkowo wynegocjowano w aneksie, że rozliczenie pomiędzy Spółką a kupującym może nastąpić w formie zapłaty ceny gotówką i / lub akcjami SPAC w którym znajdą się Spółki PUG i PASS, co może umożliwić Spółce zwiększenie zaangażowania w PUG (Spoko.app).
Pytacie Państwo również, słusznie, o wprowadzenie do obrotu akcji serii D Spółki dlatego wyjaśniam, że wszelkie dotychczasowe opóźnienia w tym zakresie leżą w gestii inwestorów, którzy objęli te akcje, i związane są z sytuacją z jaką borykaliśmy się w wyniku wybuchu pandemii COVID-19. Wskazani inwestorzy pochodzą ze Szwecji i nie posiadają rachunków inwestycyjnych w Polsce. Pomimo licznych upomnień ze strony Spółki nie mieli możliwości wizyty w Polsce i nie założyli rachunków inwestycyjnych.
Spółka otrzymała jednak informacje, że wskazani akcjonariusze zawarli porozumienie ze spółką Fintech Capital Investors Scandinavia AB, która będzie ich reprezentować w zakresie rejestracji akcji serii D w Krajowym Depozycie Papierów Wartościowych. Wierzymy, że powyższe porozumienie doprowadzi do szybkiego wprowadzenia akcji do obrotu. Spółka będzie na bieżąco komunikować postęp prac w tym zakresie.
Z przykrością muszę zakomunikować, że Spółka rozważa podjęcie niezbędnych kroków prawnych wobec osób, które umieszczają w portalach internetowych, np. bankier.pl, nieprawdziwe informacje na temat funkcjonowania Spółki oraz groźby w kierunku Zarządu Spółki. Takie działania są prowadzone ewidentnie na szkodę Spółki a tym samym na szkodę Państwa – naszych akcjonariuszy. Rozpowszechniane publiczne nieprawdziwe informacje, nie tylko mają wpływ na kurs akcji Spółki, ale również podważają jej wiarygodność w oczach inwestorów, wobec czego nie możemy pozostać obojętni.
Korzystając z okazji, Zarząd Spółki chciałby serdecznie podziękować akcjonariuszom za wkład w rozwój Spółki oraz prosić o dalsze zaufanie.
Przed Spółką bardzo dużo pracy w roku 2022, do którego podchodzimy z jeszcze większym zapałem, gdyż możliwość upublicznienia naszych aktywów na rynku londyńskim daje nam jeszcze większe możliwości rozwoju. Tak jak komunikowaliśmy, decyzje o kolejnych strategicznych krokach w rozwoju Spółki zostaną zakomunikowane do dnia 31 sierpnia 2022 r., ale pragnę podkreślić, że Spółka jeszcze mocniej zaangażuje się i będzie rozwijać projekty z zakresu Fintech.
Z poważaniem,
Ivan Hanamov
Prezes Zarządu
In September this year the company completed transactions with a total value of PLN 13,489,820.8. According to sales data as of September 31, 2021, Spoko.app had 608 586 customers.
READ MOREFor comparison, in August 2021 – the Spoko.app application was used by 588,602 clients. Within a month, there was an increase in active users of the Spoko.app application by about 3.4 percent.
Moreover, the Issuer’s Management Board informs that PU Group Ltd has achieved its main strategic goal regarding the Spoko.app application ahead of schedule. In its business assumptions, the company planned to increase the number of customers served to a minimum of 600,000 in 2021.
This goal was achieved in September 2021, 3 months before the end of the year. The above business goal was announced by the Company in the current report ESPI 1/2021 of January 14, 2021 concerning the publication of the new strategy of the Company.
The company is one of the fastest growing fintech companies in Poland. Its main goal is to provide affordable and convenient money transfer services, with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to Spoko.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In August this year the company completed transactions with a total value of PLN 13,921,885. According to sales data as of August 31, 2021, Spoko.app had 588,602 customers.
READ MOREFor comparison, in July 2021 – the Spoko.app application was used by 599,774 customers. Within a month, there was a decrease in the users of the Spoko.app application by about 1.86%.
The company is one of the fastest growing fintechs in Poland. Its main goal is to provide affordable and convenient money transfer services with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to Spoko.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In July this year the company completed transactions with a total value of PLN 13,598,990. According to sales data as of July 31, 2021, Spoko.app had 599 774 customers.
READ MOREFor comparison, in June 2021 – the Spoko.app application was used by 573,195 clients. Within a month, there was an increase in active users of the Spoko.app application by about 4.6 percent.
The company is one of the fastest growing fintechs in Poland. Its main goal is to provide affordable and convenient money transfer services with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to Spoko.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In June this year. The company completed transactions with a total value of PLN 12,142,716. According to sales data as of June 30, 2021, Spoko.app had 573,195 customers.
READ MOREFor comparison, in May 2021 – the Spoko.app application was used by 549 125 customers. Within a month, there was an increase in active users of the Spoko.app application by about 4.4 percent.
The company is one of the fastest growing fintechs in Poland. Its main goal is to provide affordable and convenient money transfer services, with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to Spoko.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In May this year, the Company completed transactions with a total value of PLN 14,417,179.09. According to sales data as of May 31, 2021, SPOKO.app had 549 125 customers.
READ MOREFor comparison, in April 2021 – the SPOKO.app application was used by 510,419 customers. Within a month, there was an increase in the users of the SPOKO.app application by about 7.5 percent.
The company is one of the fastest growing fintech companies in Poland. Its main objective is to provide affordable and convenient money transfer services with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to SPOKO.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
SPOKO.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In April this year the company completed transactions with a total value of PLN 13,880,221.03. According to sales data as of April 30, 2021, SPOKO.app had 510 419 customers.
READ MOREFor comparison, in March 2021 – the SPOKO.app application was used by 471,498 customers. Within a month, there was an increase in the users of the SPOKO.app application by about 8 percent.
The company is one of the fastest growing fintech companies in Poland. Its main objective is to provide affordable and convenient money transfer services, with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to SPOKO.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
SPOKO.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
In March this year, the company completed transactions of a total value of 12,422,708 PLN. According to sales data as of March 31st, 2021, SPOKO.app had 471,498 active customers.
READ MOREFor comparison, in February 2021 – the Spoko.app application was used by 427,015 active customers. Within a month, there was an increase in active users of the Spoko.app application by about 10 percent.
The SPOKO.app brand is one of the fastest-growing fintech companies in Poland. Its main goal is to provide affordable and convenient money transfer services with optimal commission rates, immediate execution and transparent exchange rates. The company emphasizes that at the current stage, the priority is to acquire new customers, which entails the need for further investments. Currently, thanks to SPOKO.app, transfers can be sent from 32 to 45 countries, including Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.
Spoko.app, a fintech operating on the international money transfer market, obtained PLN 20 million in financing from its strategic investor – Fintech Ventures S.A. As a result, in the years 2021–2022 Spoko.app will accelerate its geographical expansion by entering new countries and will develop its product.
READ MORESpoko.app is a fintech that specializes in international, instant money transfers, using technology and a unique operating model. It stands out with competitive exchange rates and transparent transaction costs.
The development of the online instant money transfer market has significantly accelerated due to the COVID-19 pandemic. Currently, you can send money from 32 to 45 countries via Spoko.app. Spoko.app users can do it thanks to a convenient mobile application. The advantage of the solution is, above all, the fact that money can be sent immediately, in the preferred way, thanks to the availability of local payment methods in a given country.
Transfers to many countries – such as Ukraine, Nigeria, Turkey or Brazil – can be made commission-free and with a very attractive exchange rate. Before making a transaction, the user sees its entire cost.
– Spoko.app has enormous potential for further growth, and the fast development of our company confirms our belief that it can become a serious global player in a short time. We believe in the team that creates Spoko.app and we will support them in the implementation of this ambitious plan – says Ivan Hanamov, president of Fintech Ventures S.A.
Thanks to financing in the amount of PLN 20 million obtained from its main shareholder, Fintech Ventures SA, Spoko.app will implement the strategy of entering new markets, as well as develop the application used by users, their number around the world in February 2020 exceeded 400 thousand
– We want to be present in every market where foreigners work and where they want to send money to their home country. We already operate globally, but with strong support from our main investor, we will be able to grow even faster – says Evgeny Chamtonau, CEO of Spoko.app – Thanks to this, millions of people around the world who travel and work outside their homeland will be able to send money in the best and most convenient way for you. Our ambition is to change the money transfer market and we have an idea how to do it – he adds.
The new financing will be used for development in the years 2021–2022. The creators of Spoko.app will focus not only on making the solution available on other markets, but also on further development of the mobile application. By acquiring new partners on local markets, Spoko.app can offer its users preferred payment methods, ensure the best conditions for sending money and that it will reach the recipient, even at the other end of the world, right away.
The Management Board of Fintech Ventures S.A. with its seat in Warsaw (“Company”, “Issuer”) hereby informs about the key indicators for the Spoko.app application owned by PU Group Ltd, whose majority shareholder is the Issuer.
READ MOREIn February this year the company completed transactions with a total value of PLN 9,919,636. According to sales data as of February 28, 2021, Spoko.app had 427,015 active customers. For comparison, in January 2021 – the Spoko.app application was used by 389,503 active customers. Within a month, there was an increase in active users of the Spoko.app application by about 10 percent.
The company is one of the fastest growing fintechs in Poland. Its main goal is to provide affordable and convenient money transfer services with optimal commission levels, immediate execution and transparent exchange rates.
The company emphasizes that at the current stage, the priority is to acquire new customers as soon as possible, which entails the need for further investments. Currently, thanks to Spoko.app, transfers can be sent from 32 to 45 countries, including: Armenia, Azerbaijan, Georgia, India, Kazakhstan, Kyrgyzstan, Moldova, Nigeria, Pakistan, Russia, Tajikistan, Turkey, Turkmenistan, Ukraine and Uzbekistan.
Spoko.app constantly optimizes and improves the application and conducts advertising campaigns to attract new users, thanks to which it intends to maintain a satisfactory growth rate.