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Our 2035 strategic plan aims to position us as a leading Fintech in UK and Europe with a global presence such as the GULF area and India . We aim to provide digital financial products and services to retail customers in the UK and the EU while prioritizing the human touch in crucial moments. Our primary goal is to create long-term value for our shareholders, leveraging our current position of strength and accelerating our investments in technology and developing advanced products and services. 

 

To achieve our objectives, we will focus on four key areas: development of operations, talent acquisition, strategic change, strategic partnerships, and development of AI focused technologies. We intend to enhance our existing efforts in these areas to future-proof our business and drive revenue growth, and expand the business towards APAC and LATAM.

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The business plan for 2023-2028 is rooted in our 2035 strategic plan, which is designed to respond to the structural market trends in the fintech industry and the ever growing demand of the modern informed customer. As such, we will focus on incorporating the latest technology, sustainability, and risk management practices into our business operations, in addition to enhancing our corporate and technology driven banking, and investment capabilities. 

 

Our primary objective is to create sustainable long-term value for our shareholders by delivering exceptional customer satisfaction, engaging our employees and maintaining a solid financial position that includes robust capital, liquidity and cost management.

 

We recognize that the fintech industry is highly competitive and rapidly evolving, so we plan to stay ahead of the curve by leveraging our technological infrastructure to improve operational efficiency and reduce costs, while also enhancing the customer experience through user-friendly interfaces, faster transaction times and robust security measures.

 

In addition, we will continue to focus on sustainability, aligning our investments with environmental, social and governance (ESG) principles to meet the growing demand for responsible operational and investment opportunities. Our corporate and investment banking capabilities will also be a key focus area, as we aim to expand our offerings in areas such as mergers and acquisitions, debt financing, and capital market solutions to better serve the needs of our clients.

 

We will also continue to prioritize savings and investments, providing our customers with a wide range of options to help them achieve their goals. In order to ensure that we remain well-positioned to manage risk effectively, we will maintain a robust risk management framework that adheres to the latest regulatory requirements. Overall, our business plan for 2023-2028 is designed to position Pegasus Alfa as a leading fintech that delivers sustainable value to all of our stakeholders.

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The long term targets. As a fintech company, and aspiring licensed EMI, and fully regulated bank, our mission is to provide our customers with the best possible financial services and to continue growing our customer accounts, credit, and debit cards beyond 6 million by 2028. We are committed to achieving our long-term financial targets, which will guide us in accelerating income growth and increasing profitability.

 

To achieve these long-term financial targets, we will invest in our business and capitalize on our position of strength. We aim to create stakeholders value by accelerating income growth, driving revenue growth, increasing our profitability, and future-proofing our business.

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In the short-term, we have set a cost target for 2025 of GBP 35Mln. This target is aimed at growing our business in a capital-efficient manner and reaching our long-term financial targets while ensuring we maintain a strong financial position.

 

With our commitment to innovation and customer satisfaction, we are confident that we will continue to grow our customer accounts, credit, and debit cards beyond 6 million and achieve our long-term growth and international presence, as an incentive to build a sustainable and easy accessible financial services globally.

 

Regulations and licensing

• FCA to be obtained 2023

• BaFin to be obtained 2023 - 2024

• FINMA to be obtained 2023 - 2024

• CBUAE and DFSA to be obtained 2024 - 2025

• APRA and ASIC to be obtained 2025-2026