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Cell PhoneWalletPCKiosk Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual.

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Presentation on theme: "Cell PhoneWalletPCKiosk Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual."— Presentation transcript:

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3 Cell PhoneWalletPCKiosk

4 Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual & multi-currency Ideal for the un-banked consumer Provides identity protection Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual & multi-currency Ideal for the un-banked consumer Provides identity protection

5 Joseph Barboza, President & CEO Robert J. Bowdring, VP, Finance and CFO Frank J. DeCaro, VP of Business Development Paul D. Creme, VP and General Counsel St. Jones®, VP of Marketing Dennis Bache, Director of Sales Elena Savolainen, Director, Customer Support Al Butler, Director of Engineering Ildar Khamitov, Ph.D., Director, Software Engineering, St. Petersburg, Russia Ivan Kouznetsov, PHD, Chairman Joseph Barboza, President & C.E.O. Sergey Bodrunov, General Director Aerospace Equipment Corp. Art Feather, VP, Cisco Systems Inc. Natalia Karelina, Treasurer, Tavrichesky Bank Board of Directors: Management Team:

6 PayCash enables multiple mobile transactions from multiple payment sources (bank, debit, credit) Source: Cyphermint

7 Over 100,000 locations worldwide

8 1000 units installed Financial and eCommerce portal Advertisements and couponing 80 clubs in the US and Canada Air, car and hotel reservations Advertisements 4000 locations by 2008 Per transaction revenue model Advertisements and couponing

9 PAYCASH GLOBAL Consumer Account ManagementMerchant Account Management eCommerce Merchant Payment System PayCash Mobile Components Support Account Management Mobile Services PM - XML InternetKiosk Services PM-APE.. Text Messaging PM-API PM-XML PM-APE eCommerce TEXT_MESSAGING

10 Mobile applications Balance inquiry Transfer funds Remittances Ideal for the un-banked demographic Shopping Bill payment Custom menu QuickPay feature Mobile applications Balance inquiry Transfer funds Remittances Ideal for the un-banked demographic Shopping Bill payment Custom menu QuickPay feature

11 PayCash Kiosk: Self-service transactional & informational systems PayCash Kiosk: Self-service transactional & informational systems PayCash eWallet: Cash based Internet payments 6.5MM users worldwide 1024-bit encryption PayCash eWallet: Cash based Internet payments 6.5MM users worldwide 1024-bit encryption PayCash Mobile: Cellular based payments PayCash Mobile: Cellular based payments

12 Walk-in Bill Payments: The Prepaid Storm Aite Group reveals that by 2010, over 1.3 billion walk-in bill payments will be performed in the United States, including cell phone top-up, up from about 1.0 billion in Walk-in bill payment processors will generate US$1.9 billion in revenues by 2010, up from US$1.1 billion in Twenty-two vendors are mentioned in this report, including: American Express, American Payment Systems (CheckFree), ACE Cash Express, Alliance Data Systems, Blackstone Calling Cards, Coinstar, Debisys (Emida), Discover, E-Time System, Fidelity Express, Global Express, PaySpot (Euronet), Incomm, IPP of America, MasterCard, MoneyGram, Pay-O-Matic, Precash, Pre-Solutions, Western Union (First Data), Visa U.S.A., and ViaOne Technologies.

13 $300* Billion in Global Transfers 2006: $9* Billion Fees (*est.) Remittances to LAC exceeded $45 Billion in 2006 (IADB) up 51%since 2004 Est. $30 B to Mexico

14 International remittances are a large and rapidly growing market Every receiving country has seen tremendous growth. Mexico is the volume leader due to it's population size and proximity to the US. This chart shows a 100% increase in remittances to Mexico from 2001 to 2005, which has created competitive price pressure on the leaders. Source: IADB

15 Will Hispanics use M-Remittances? Mobile plays a much more significant – and faster-growing – role in the lives of Latino consumers than it does in those of Non-Hispanic White consumers, both for voice… Total voice minutes/month Q1 05Q3 05% growth Q1 to Q3 Latino868 M979 M13% White580 M632 M9%...and data services ActivityWhiteBlackLatino Send and receive text messages31%42%54% Take still pictures26%23%56% Play games20%29%40% Use the internet12%17%29% Play music5%11%16% (Pew Internet & American Life Project, Associated Press, AOL cell phone survey. March 8-28, 2006 ) ( Telephia 2006 ) Highest remitting Group is also highest mobile user group! On average, Hispanics generate $15 more ARPU per month than non-Hispanics ($90 vs. $75)

16 Is it the Killer App? Hyper-growth Market Dissatisfied customer base Mobile Remittances preferred over cash High Value-Add Huge Price Advantage Large Revenue Opportunity Installed base of 3B handsets 1:1 Marketing Channel Low churn rate Foundation for Future Applications Kernel for new Ecosystem YES!

17 Works on any Internet enabled mobile device Patented digital signature technology Real-time transactions Linked to credit, debit or gift card Secured by server side authentication Merchants do not need new hardware Works on any Internet enabled mobile device Patented digital signature technology Real-time transactions Linked to credit, debit or gift card Secured by server side authentication Merchants do not need new hardware

18 PayCash Mobile - API PM-API can be leveraged by merchants who want to provide their customers a mobile solution without migrating their customers to PayCash Mobile.

19 Differences PM-APE and PM-API

20 Remittances 1 of every 10 persons is involved worldwide Estimated to be US$300 billion a year Bill Payment 13.1% compound annual growth Expected to be billion by 2009 Mobile Expected to be 15% of online revenue 39 billion in revenue estimated by 2009 Kiosk The compounded growth rate for kiosks in the United States is expected to average 17% per year over the next four years. Remittances 1 of every 10 persons is involved worldwide Estimated to be US$300 billion a year Bill Payment 13.1% compound annual growth Expected to be billion by 2009 Mobile Expected to be 15% of online revenue 39 billion in revenue estimated by 2009 Kiosk The compounded growth rate for kiosks in the United States is expected to average 17% per year over the next four years.

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