Crunchfish AB

S2W12E36. Forum Moderator. Cash goes digital - a payment pandemic. by Crunchfish AB

Coeli Fonder https://coeli.se/ is the only institutional investor in Crunchfish to date. We are very proud of our solid and dedicated shareholder base and having a well-known fund like Coeli among our top five owners is a great strength for Crunchfish as a company. Their fund manager Mikael Peterson came across Crunchfish when we were preparing for IPO back in 2016 and he helped us to contact many of our anchor investors in the IPO. Mikael Petersson is a very experienced and knowledgeable fund manager, currently co-managing their Coeli Absolute European Equity and Coeli European Opportunity funds. His brilliant monthly fund report gives insightful views on macrotrends, news from the global stock markets and financial sectors – often with a twist. Here is the latest issue: https://coeli.se/forvaltarkommentar-coeli-absolute-european-equity-r-sek-januari-2021/ In this interview, Mikael and Joachim talk about current trends in the global financial markets, especially during the last year which has been unique in many ways, not least for global finance. They also talk about why Coeli chose to invest in Crunchfish and his reasoning behind their investment. Mikael also explains what he is looking for as a fund manager – and why “There Is No Alternative to Growth”. This is interview 35 of 36 in the second season - Cash goes digital, a payment pandemic - out Wednesday morning at 6 am CET / 10.30 am IST. https://www.crunchfish.com/the-interviews/

Twelve weeks ago, we set out on an ambitious journey to do 36 consecutive interviews in our series Cash goes digital – a payment pandemic, and what interesting weeks it has been. We have visited places all over the world, from Silicon Valley to Taiwan and many places in between, and talked to payment experts in several different fields, including Payment Schemes and Wallet Security. We have also talked to people involved in our Gesture business, board members and senior managers, Alumni and many more. You can find all interviews here: https://www.crunchfish.com/the-interviews/ We are now in our twelfth and last week, and we will be talking to some of our shareholders who share their thoughts on why they think Crunchfish is an interesting company. We will be hearing from our fourth largest shareholder Stephan Carlquist, then an interview with Mikael Petersson from Coeli who is our only institutional investor to date, and we will finish by talking to the moderator of Crunchfish’s shareholder’s forum on Facebook. Come join us for this exciting final week!

An ecosystem for Digital Cash Partners will be key in the commercialization of Crunchfish’s Digital Cash solutions. By cooperating with partners within complementing fields of technology, Crunchfish opens up marketing channels, new geographical markets and strategic customer segments. With some partners already in place, Crunchfish has defined an ecosystem for Digital Cash with the purpose to quickly scale up sales and get a global spread of the company’s solutions. https://www.crunchfish.com/digital-cash/#digital-cash-partners Next week in our interview series Cash goes digital – a payment pandemic will be about Digital Cash Partners. We will talk to some potential partners that could help us get to our goal, which is to implement our solutions into as many wallets as possible. You don’t want to miss this – come join us!

Do you know that a third of all food produced in the world is thrown away? This is very costly and has a huge negative impact on our planet. Reducing food waste by half before 2030 is one of the United Nations’ sustainability goals. Crunchfish has come up with a great idea that tackles this problem. We rescue food by providing POS rewards to consumers for making environmentally friendly purchase decisions. https://www.crunchfish.com/food-waste/ Next week in our interview series Cash goes digital – a payment pandemic will be all about Food Waste. We will start the week talking to Staffan Olsson from GS1 Sweden https://gs1.se/en/ that owns the QR codes which our solution is based on. Then we will interview Johnny Lönnberg from ClearOn https://www.clearon.se/, the clearing house that handles discounts for customers at the point of sale, and finally we’ll talk to Anna Ekström from NielsenIQ https://nielseniq.com/global/en/, a consumer intelligence company that can help the industry finding the right pricing for the solution. Come join us for this exciting week!

We have spoken to payment experts as well as a large number of people at Crunchfish about our Digital Cash solution. All agree that it is a very exciting solution with great potential to change the market for digital payments. In the coming weeks, Joachim Samuelsson will, among others, interview Digital Cash Partners, experts in Food Waste and some of our shareholders who give their view on Crunchfish's future. Next week will be all about The Office. During this week we will focus on our work environment and our core values – Curious, Creative och Caring. The week starts off with an interview with Hans Andersson, responsible for job satisfaction at Wihlborgs https://www.wihlborgs.se/en/. Then we will interview Niclas Olsson, CEO of Brainlit https://www.brainlit.com/ – the company with biocentric lighting as a business idea that literally brightens up our days at the office. We’ll finish with an interview with leadership consultant Anna Liebel https://annaliebel.com/ about the value in Crunchfish’s playful work environment.

Over several weeks, we have heard interesting takes on our Digital Cash solutions from payment experts, professionals from payment schemes, wallet security experts and much more. Now it’s time to take a week in which we will talk to some of the bright minds that we have in-house here at Crunchfish and hear about their areas of expertise. We will be talking to Patrik Lindeberg, Joakim Nydemark and Linda Kronby who are all in Crunchfish’s Top Management. During 2020, they have gotten new roles in the company, leveraging their experience and knowledge in our various solution areas and how we’re working towards partners. For all three, it’s the second time in the interview spotlight, so you definitely don’t want to miss this. This is the 8th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel.

We heard it from the payment experts - they like Crunchfish’s Digital Cash solutions. We have also verified it with payment professionals having extensive hands-on experience of EMV Card Payments, Real-Time Payments as well as Central Bank Digital Currency. Digital Cash is ubiquitous and important feature for all payment schemes. https://www.crunchfish.com/cash-is-king-of-digital-payments/ Digital Cash provide the same properties as physical cash and will eventually replace it completely. In some markets like Sweden and Norway we have already past the tipping point as most people do not carry cash any longer in their wallets. https://www.crunchfish.com/cash-is-dead-long-live-cash/ This week’s Interviews are focused on Wallet security. A key topic as Digital Cash require an offline balance to protect for double-spending. To enable the required level of trust we rely on our respected Digital Cash Partners’ superior know-how and state-of-the-art technology. This is the 7th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel

Before Christmas, VISA came out with a research paper proposing a two-tier settlement architecture which confirms what Crunchfish has been saying all along for a year. An architecture with offline settlement separate from online settlement makes digital payments truly robust. https://usa.visa.com/visa-everywhere/blog/bdp/2020/12/17/central-bank-digital-1608165518834.html This week, the three main payment schemes are in focus, card payments, real-time payments and the new Central Bank Digital Currency CBDC scheme. We will explore what payment professionals from each of these schemes think about digital cash solutions and how it complements their digital payment service. This is the 6th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!

Crunchfish’s has a revolutionary solution for digital payments. What do the payment experts think about it? We will start in by asking Ram Rastogi, a prominent payment pioneer and Indian influencer with more than 47 000 LinkedIn followers that started his career 1980 with SBI, State Bank of India and also has worked 10 years at NPCI, National Payments Corporation of India. Next in line is Bengt Nilervall, the payment expert at the Swedish Trade Federation who is constantly on the lookout for better payments solutions for Swedish merchants. We will close the week with a discussion about schemes and settlement in an interview with Patrik Centellini, an experienced payments consultant at TietoEvry, also with a background from Bankgirot that provides the settlement switch for many payment schemes in Sweden. This is the 5th week in the interview series Cash goes digital – a payment pandemic. The episodes will be available on Monday, Wednesday and Friday at 6 am CET/10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!

Gestures is the focus in our fourth week of our interview season “Cash goes digital – a payment pandemic”. https://lnkd.in/ed4UQru We will start with a deep dive into neural nets interviewing our senior research engineer Anders Henrysson (PhD no less!), followed by our UX design intern Kornelia Papp and finally we’ll be talking to Patent Attorney Malin Ahlgren from Ström & Gulliksson, who handles our extensive patent portfolio for gesture control. The interview with Anders: https://lnkd.in/eJWHjrt The interview with Kornelia: https://lnkd.in/eZuVQ8H The interview with Malin: https://lnkd.in/eRma369 The episodes will be available on Monday, Wednesday and Friday at 6 am CET / 10.30 am IST on Crunchfish’s website https://lnkd.in/e5RHAYD as well as on our YouTube channel! https://lnkd.in/ecMPJjx

Crunchfish alumni is the focus in the third week of our interview season “Cash goes digital – a payment pandemic”! During the season holidays it is great to call on old friends and family – kicking off with Elinor Samuelsson, https://youtu.be/Y3M-CboTNzA?t=1, who used to work with UX at Crunchfish for two years 2014 – 2015 and is now the co-founder of BrightAct.org, winner of EUvsVirus Challenge! She is followed by Carl Tönsgård, https://youtu.be/JgXRyiSYAwM, our COO for five years 2013 – 2018 who moved on and co-founded super-cool www.Superhumans.se developing AR applications, and finally Henrik Winberg, https://youtu.be/U5LY3LewC-M, our Head of Global Gesture Sales for five years 2015 – early 2020 and now serves as COO of dLaboratory.com. The episodes will be available on Monday, Wednesday and Friday at 6 am CET / 10.30 IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel!

On Monday, it’s time for the second week in our interview season “Cash goes digital – a payment pandemic”! This week will focus on India 🇮🇳, starting with our man in Mumbai, Samar Singh, followed by our indian payment professional Gagan Kochar and our top model, Dhruv Singh. Our India head Vijay Raghunathan was already interviewed during the first interview season. https://youtu.be/1GbgF3tNKPQ…. The episodes will be available on Monday, Wednesday and Friday in Sweden 🇸🇪 at 6 am CET / in India 🇮🇳 10.30 am IST on Crunchfish’s website https://www.crunchfish.com/the-interviews/ as well as on our YouTube channel.

Tune in for our second interview season “Cash goes digital – a payment pandemic”. This season will mainly focus on our Digital Cash Solutions, our radical thinking and new technology within the payment space. The episodes will over 12 consecutive weeks be available on Mondays, Wednesdays and Fridays at 6 am CET on Crunchfish’s website and on our YouTube channel. https://www.crunchfish.com/the-interviews/