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VersaBank (VB) investor relations material
VersaBank Financial Services Virtual Investor Forum 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Company overview and digital banking model
Operates as a fully digital, branchless bank with a cloud-based infrastructure and tech centers in Canada and the U.S.
Achieved significant regulatory milestones, including a rare U.S. national bank license for a foreign bank.
Maintains a highly efficient, scalable operation with about 100 employees managing North American activities.
Flagship products and innovation
Receivable Purchase Program (RPP) enables purchase of point-of-sale loans and leases, minimizing credit risk via put-back arrangements.
RPP expansion into the U.S. market is underway, leveraging partnerships and regulatory approvals.
Developed the world's first digital vault (VersaVault) and digital deposit receipts (CAD VB, USD VB) on major blockchains, offering interest and deposit insurance.
Technology and AI enhancements
Proprietary AI modules automate and accelerate receivable processing and auditing, increasing efficiency and scalability.
AI enables real-time receivable purchases, reducing partner funding delays and enhancing partner value.
Technology provides a competitive edge, with few direct competitors matching AI capabilities.
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