Smart Horizon

History

2024

Obtaining the status of an IT company from the Ministry of Digital Development

• IT Smart Horizon company is included in the register of accredited organizations operating in the field information technology maintained by the Ministry of Digital Development communications and Mass Communications RUSSIAN FEDERATION (). Ministry of Digital Development Smart Horizon announced this on June 3, 2024. In addition, the expert panel Skolkovo Foundation approved the company's project, which will allow it to obtain status. resident of the innovation center

The official status of the IT company and the residency in Skolkovo give many benefits and preferences provided for by Russian legislation for the IT sector. This will significantly improve the efficiency of the Group as a whole and will contribute to the achievement of its goals.

Smart Horizon was established and entered the perimeter of the Group on January 30, 2024 as its own technology operator for a new line of business. When you created your company, you defined the following tasks:

• prepare comprehensive IT solutions for new fintech service partners on the basis of the unique CarMoney IT platform;
• carry out their adaptation, seamless integration into the software products of partners - banks, MFIs and leasing companies;
• launch the export of technologies in the Group, build the processes of subsequent maintenance of solutions and software products.

Since the beginning of the year, the Smart Horizon team has developed and implemented the first IT solution for the financial market - LoanExpress. The program was registered with Rospatent, the product is a mobile application for iOS, specially developed for issuing collateral and unsecured loans. It allows users to easily fill out questionnaires, upload photos of documents and cars for collateral, and sign documents with an electronic signature. The application appeared as a result of the implementation of one of the stages of adaptation of CarMoney IT solutions to partner software products.

In addition, on April 25, 2024, the Smart Horizon IT company was registered as a startup in the Moscow Innovation Cluster. Entry into the register of startups and high-tech companies in Moscow, together with effective activities in the development of new software products, allowed the company to apply for the status of an IT company with accreditation in the corresponding register of the Ministry of Digital Development.

On May 31, 2024, the Smart Horizon project also received approval from the Skolkovo Foundation expert board, which gives the right to residency and a number of serious advantages. In particular, tax preferences, access to the ecosystem of grants, acceleration programs and services "Skolkovo," as well as the possibility of including its products in the register of domestic software.

Шаблон:Quote 'author = said Anna Kalugina, General Director of PJSC "STG."

The company recalled two basic scenarios for working with partners in a new direction:
1) joint projects with companies where financial sector partners are provided with a comprehensive IT solution for outsourcing the process of issuing auto loans to their balance sheet. SaaS outsourcing The entire IT architecture or its individual elements is possible within the framework. The fintech service has already implemented several projects under this model, and with a number of banks there is integration for API seamless transfer of customers. The first scenario involves an increase in the profit of PJSC "STG" due to an increase in commission income and monetization of failure traffic.
2) the creation of a joint venture (or other form of cooperation) with one of the major Russian banks, where CarMoney will offer its partner its expertise, established business processes and technologies for issuing loans. In return, it will receive funding and a client base that has not passed the bank's scoring. In this case, PJSC STG is directly involved in profit, which implies an increase in total revenue over the horizon of several years.

Creating a Company

On January 22, 2024, the Board of Directors of the public joint-stock company SmartTechGroup (PJSC STG), the parent company of the fintech service CarMoney, decided to create an IT company in the perimeter of the Group. The working name of the structure is Smart Horizon. The decision was made in preparation for the implementation of the development strategy of PJSC STG 2024-2026, which will be submitted to the board of directors for approval at the end of the first quarter of 2024.

The Group's strategic development plans provide for the expansion of the fintech service: in addition to focusing on the main business, STG PJSC plans to make money on the sale of software solutions and technologies to B2B clients. This is a trend that promises significant growth in the Group's customer base, revenue and profit over the next three years.

Russian fintech company CarMoney has created an IT subsidiary to develop software for sale

Smart Horizon will perform the functions of its own technological operator STG for a new business area. The company will create comprehensive solutions for fintech service partners on the basis of the CarMoney IT platform. In addition, Smart Horizon will adapt and seamlessly integrate software into the platforms of banks, MFIs and leasing companies, as well as build the processes of its subsequent maintenance.

There are two basic scenarios for working with partners in the framework of a new direction. The first is joint projects with companies where financial sector partners are provided with a comprehensive IT solution for outsourcing the process of issuing auto loans to their balance sheet. Using the model (SaaS as software a service), outsourcing of the entire IT architecture or its individual elements is possible. At the same time, STG's profit growth will be ensured by an increase in commission income and monetization of failure traffic.

The second option provides for the creation of a joint venture with one of the large Russian banks, where CarMoney will offer its partner its expertise, established business processes and technologies for issuing loans. In return, the company will receive funding and a client base that has not passed the bank's scoring. In this case, STG directly participates in the profits of the created structure.

Smart Horizon will be registered the Russian in the jurisdiction. In the first quarter of 2024, it is planned to obtain the status of an IT company in, Ministry of Digital Development which will allow you to receive all the benefits and preferences provided for by Russian legislation for the IT sector. In 2024, it is planned to apply for residency at the INTC. "Skolkovo