Marble Financial Inc. (CSE:MRBL)(OTC:MRBLF) is Quickly Gaining Traction in a Potential $5 Trillion FinTech Market1

Marble Competitors Are Getting Bought Out for Billions 2

Millions of people pay very little attention to their credit scores. 3

However, as many learn the hard way, that can be a costly mistake — especially when they want to buy a car, a house, or take out a loan to send a kid to college.

Making matters far worse, many of them have little to no understanding of how to improve their financial situation:4

"Most Canadians and Quebecers are still unsure about what to do, where to turn and even what questions to ask when it comes to seeking financial advice and information,"

Sylvie Demers, Chair, Quebec Market, TD Bank Group, as quoted by Wealthy Professional.

Furthermore, just 25% of Canadian adults are considered “financially healthy.”4

That’s Where Marble Financial Inc. Comes into Play


Source 7

Marble Financial Inc. (CSE:MRBL)(OTC:MRBLF) may have the solution necessary to change all of that … 

Marble Financial combines revolutionary FinTech with customer banking and credit data. All while providing necessary financial services, education, and personalized guidance to help people tackle their personal financial health.6

With its comprehensive, AI-driven financial wellness SAAS platform, users gain direction through personalized AI-powered, data driven recommendations. They can take part in comprehensive financial literacy programs, and potentially become financially fit again.6

Not only has Marble been successful, it’s exposed to massive industry growth

•  One, with Marble’s Point Deduction Technology, about 95% of users saw a marked improvement in their credit scores in as little as 30 days.6.

•  Two, Marble’s proprietary AI technology combines Credit and Banking data, providing financial solutions to more than approx. five million underserved Canadians.

•  Three, the company is gaining exposure to a FinTech market valued at about $5 trillion.

•  Four, the global AI FinTech market was worth $7.91 billion in 2020. It’s expected to balloon to $26.67 billion by the time 2026 rolls around.

Source 7

Along with roughly 20,000 registered members in 2021, Marble also has licensing agreements with more than 12 financial service firms.6

When you see what Marble’s already accomplished and how many of its major competitors have received gargantuan acquisitions or offers, just imagine what the potential could look like.

Marble Financial Inc. is Also Technically Oversold and Potentially Undervalued

In late 2020, shares of Marble Financial Inc. advanced roughly 193% from a November low of about 15 cents to a January 2021 high of about 44 cents. 

While the stock has since pulled back to 14 cents (as of 11/30/21), it could see further possible upside with multiple potential catalysts and a first-mover advantage. 

Additionally, company growth has been impressive.11

•   Marble’s total revenue for the three- and six-months ending June 30, 2021 over the same periods in 2020 were $269,910 and $453,368, an increase of 206% and 160% respectively (12)

• Accelerating its MyMarble subscription revenue, Marble achieved quarterly revenue of $78,265 in Q2 2021, compared to $44,098 in the same period in 2021, an increase of 77%. (12)

• Marble also anticipates to re-start its Fast-Track loan program with the $10 million credit facility agreement entered into with Cypress Hills Partners Inc.

•  Its Inverite subsidiary generated $125,298 in Q2 2021 (2020 – $nil) of verification fees from its data verification technology. (12)

“The second quarter of 2021 was an extremely strategic period to help shape the growth of Marble. Building Canada’s most advanced virtual financial wellness solution, MyMarble, we have further expanded the reach of our services to millions of Canadians through key partnerships and acquisition,” - said Karim Nanji, Marble CEO. (12)

“The groundwork we have completed behind the scenes, along with the acquisition of Inverite, our B2B bank verification and risk scoring SaaS solution, paves the way for continual user growth and revenue for the balance of the year and beyond. Inverite has helped Marble accelerate larger key partnerships that we expect to close and announce throughout the balance of the year.” (12)


This may be only the start to a breakneck pace of growth for Marble as it recently launched a new credit-improving subscription program.

The program is called “Boost” and is designed to help Canadians with limited access to credit instruments (i.e., credit cards, department store credit cards etc.) get access to Marble’s Premium subscription. This is especially important since these instruments report to TransUnion and Equifax to assess and ascertain a consumer’s monthly credit score.

Access to Marble’s Boost program can help these underserved consumers add a new tradeline, build credit, maintain credit, and potentially improve credit. (13)

TransUnion recently reported that in 2021, subprime consumers with a score below 670 make up the largest segment, resulting in a challenging economic environment to achieve their financial goals. This is especially evident within today’s economic climate.

Marble Financial Inc. – Strong Management, Strong Results


Karim Nanji, CEO

Mr. Nanji is an accomplished senior growth, strategy, product and technology leader with a proven track record for building and commercializing world-class financial technology. He has a significant background in retails financial services for underbanked, underserved and credit-challenged consumers in Canada, the United States and international markets. Mr. Nanji is a concept through execution leader with over 25 years of experience across start-up, growth, enterprise and Fortune 500 organizations.

Blake M. Elyea

Blake M. Elyea, A Chartered Professional Accountant (CGA), Chartered Insolvency and Restructuring Professional (CIRP) and Licensed Insolvency Trustee (LIT), Blake has over twenty-five years of professional experience providing business owners, individuals, shareholders, board of directors, financial institutions and stakeholders with financial advisory, restructuring, insolvency, audit, accounting and tax advice. Blake’s professional experience includes thirteen years at two National Accounting and Advisory Firms; and 4 years as a Partner, Shareholder and Managing Director of a mid-sized Financial Advisory and Restructuring Firm. Blake has broad industry knowledge across many sectors including high tech and automotive finance, pulp and paper, packaging, transportation, forestry, biotechnology, manufacturing, agriculture, non-profit organizations, construction and real estate. Blake currently provides independent Financial Advisory and Restructuring Services to companies throughout Western Canada.

Doug Tanner, VP, Business & Corporate Development

Doug is a serial entrepreneur with a focus on strategy and implementation. Early in Doug’s career, he created sales training programs that were implemented across multiple channels and facilities Canada-wide. Mr. Tanner went through his career winning multiple sales awards and was a continuous success in a direct-to-consumer capacity. Doug has since moved into the B2B space specializing in sales and implementation. With his vast knowledge of technical sales, he has been able to achieve great success in Commercial real-estate, Recruitment and HR, Saas and more recently Fintech. Doug takes a consultative approach to most challenges and works at defining the goal with every partnership and reverse engineers the solution.

Rahul Petkar

Rahul Petkar, President and CEO of Mississauga based Ishkan Inc., is a business leader with over thirty years’ experience in the financial services and technology sectors spanning Asia, Middle East and North America. Currently, he is also the CEO of Intellect Design Arena Chile Ltda, a leading fintech, providing innovative payment and banking solutions in Latin America. Rahul founded Polaris Canada, a banking technology company that serves all major Canadian banks and was responsible for scaling it up to over 250 employees. At TD Waterhouse, as Director International Development, he was a core member of the team responsible for the global expansion of TD’s brokerage business to Japan, UK, Luxembourg and Hong Kong.

Estelle L'Heureux

Ms. L’Heureux has specialized in the alternative lending space for seven years with diverse experience in fund management, sales & operations management, marketing and product development.  Estelle has previously managed mortgage investments of ~$425M, including administration and defaults, cash requirements and a team of brokers. She has also spearheaded and managed a business focused on monetizing private mortgages, consumer loans and insolvency prospects.

Jason Scharfe, Director of Marble, TPFM and The Phoenix Fund

Mr. Scharfe has over 30 years of insurance broker experience including the role of Managing Director of Marsh Canada Inc., an insurance brokerage company and wholly owned subsidiary of Marsh and McLellan Companies. He has worked with Marsh Canada Limited for 23 years. Since mid- 2009, Mr. Scharfe has held the position of Pacific Zone Leader of Marsh Canada (Vancouver) and since 2014 he has run the Western region. Mr. Scharfe is a member of the Executive Committee of the Canadian company and of Marsh Inc. globally. His role includes that of senior insurance market liaison which entails relationship management between Marsh and the insurance market within Canada; senior relationship officer in respect to some of the major western clients and programs; responsibilities for business development and growth of the region.

Farhan Abbas, Independent Director

Mr. Abbas has significant entrepreneurial and financial services experience. His early career included roles at RBC Capital Markets, Manulife and State Street. Today, he serves on the Board of Directors of FutureVault Inc., a B2B2C white label digital Personal and Business, Life Management solution utilized by financial services organizations to acquire, retain and reward customers. He has consulted and provided capital markets advice to a number of publicly listed companies. His primary occupation is as CEO of PLK Holdings Inc., a private company which owns and operates fast food franchises across, Alberta, BC and Ontario. Mr. Abbas, also serves as an Advisory Board Member of the Merry Go Round Children’s Foundation which operates the Kids, Cops & Computers program providing new laptops and mentoring to students in six provinces who lack consistent access to technology in their home environment.

Jason Wang

Mr. Wang brings significant industry experience in senior risk, analytics and compliance roles in the financial industry. He first established his management career as Vice President at Citigroup Inc. Since then, he has worked for major financial companies CIBC, American Express, and TransUnion in nearly two decades. Currently Jason serves as the Chief Risk Officer & Privacy Officer at Synergy Credit Union, the fourth largest credit union in Saskatchewan.

Natasha Tsai, CPA, CA

Natasha is currently a Managing Director with Malaspina Consultants Inc. She specializes in the areas of financial operations and business performance. Natasha is a graduate of Sauder School of Business at UBC and received her Chartered Accountant designation in 2007 and was a former co-chair of the Young CA Forum at the Institute of Chartered Accountants of BC.

Jim Chan, CTO

Mr. Chan is a well-versed technology executive with a great reputation for building world-class technology teams and infrastructures. He has over 20 years of experience leading technology teams in developing some of the most advance financial technology solutions at one of Canada’s fastest-growing companies.

Rich Elliott, Director, Marketing & Creative

Mr. Elliott is senior marketing and branding specialist with nearly a decade of experience in the technology sector. Originally starting his career at marketing agencies in London, Rich moved over to the Canadian technology scene in which he has gained experience in eCommerce, food technology, and financial technology. During this time, Rich has a proven track record for building well-known brands.

Mike Marrandino, Executive Chairman, Director

Mr. Marrandino is an experienced C-Level business consultant with a demonstrated history of over 30 years working in the management consulting industry. His expertise includes business planning, corporate development, mergers & acquisitions, start-ups and transitioning private companies into becoming public companies on the TSXV and CSE. He currently serves as an Independent Director of Global Daily Fantasy Sports Inc., a publicly-traded company listed on the TSX Venture Exchange.

Patricia Giankas, Advisor

Mrs. Giankas has spent the last 20 years focused on the credit management and debt restructuring space in various capacities including BIA counsellor, bankruptcy and insolvency counsellor and a mortgage broker. Patricia is a visionary and has created software tools to help consumers manage their personal finances and credit. Prior to this, she had a very successful an accomplished career within the banking industry for nearly 20 years.

Lawrence Rhee, CPA, CFA, MBA

Lawrence Rhee, founder of RHEETHINK Inc., has been actively involved in the Canadian technology industry for over 20 years. Lawrence has advised many technology companies in Canada as he has held senior positions in both investment banking and equity research at several firms including Haywood Securities, GMP Securities and Genuity Capital. Lawrence’s experience providing in-depth research analysis related to the technology sector has consistently generated investment ideas that are well-received by investors.

Michael Feola, Independent Director

Michael Feola, founder of MMF Capital Inc., a family office, and Merchant Bank and Hyde Park Equities Inc., an event-driven liquidity fund. Michael is also a director of Integral Capital Partners, Owner & CEO of Allexor Global, a flexible packaging business, and Founder of Feolan Capital, which has interests in financial services, real estate, hospitality, and public securities. He also works with TSX-V listed companies as Chairman and Director of Must Capital Inc. and Director of Adya Inc.

To summarize


Not only has Marble been successful, it’s exposed to massive industry growth.

When you see what Marble’s already accomplished and how many of its major competitors have received gargantuan acquisitions or offers, just imagine what the potential could look like.

In short, the historic potential of Marble Financial Inc. (CSE:MRBL)(OTC:MRBLF) cannot be ignored. What’s not to love??

Source List

Source 1:

Source 2:

Source 3:

Source 4:

Source 5:

Source 6:

Source 7: Investor Deck PDF

Source 8:

Source 9:

Source 10:

Source 11:

Source 12:

Source 13: