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Paytap : Web and Voice person to person payment and remittance services delivery platform
 

Paytap : Web and Voice person to person payment and remittance services delivery platform

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PAYTAP : A disruptive purchase and payment system as simple as a phone call

PAYTAP : A disruptive purchase and payment system as simple as a phone call

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    Paytap : Web and Voice person to person payment and remittance services delivery platform Paytap : Web and Voice person to person payment and remittance services delivery platform Presentation Transcript

    • Web and Voice person to person payment and remittance services delivery platform PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Jean-Marc Levy Dreyfus CEO Online & Groupware jmlevy@gotapp.com +33 6 1639 6298 Hello, Let me introduce PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • A disruptive purchase and payment system as simple as a phone call. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Here is the issue we solve : PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Today I use PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • a Card or Paypal PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • To withdraw cash Providing there is an ATM near by PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • To pay at merchant’s store As long as the merchant owns a POS payment terminal PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • And to buy online As long as I am buying at a web store’s paybox – or to a paypal subscriber PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Or from a Web Store PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • but card and Paypal are useless here PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • And here PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • and when I need to pay a person Since individuals usualy own no POS payment terminal PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Actually the issue is not how can I pay ? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • But How can I get paid ? * and it ’s a major issue in time of economic turn down and credit crunch PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • By Check ? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Postal order? Western Union ? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • in 2007 : 200 Million individuals $ 311 Billion Remittance + other $300 Billion were transfered through non formal pipes Source IFAD 2007 PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Next payment system must PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Enable and warrant person to person payment *no matter if the persons are bancarized or not PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Face to Face PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • As well as at distance PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • the solution : Mobile Payment ?? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • an excellent idea PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • market : 4 billion mobile phones PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • could deliver cards’ equivalent features without requiring specific acceptation network and devices PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • By 2011 : 612 Million users $587 Billion by phone Source :Juniper networks PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • But Mobile payment requires PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • a software installed on your cell phone PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Either in your operator’s SIM card PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • or after you downloaded it PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • 1st issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • In case of PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Or PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Your may loose not only your personal data but also your cash PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • 2 nd issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Mpayment Solution is provided by PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • # 1 : Mobile Operator PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Both the person who pays and the one who is paid must PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • subscribe to the same carrier PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • # 2 : banks and M-payment providers PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Their solutions are carrier independent PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • but based on proprietary softwares PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • That need to be installed by the account owner PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • and this is not a piece of cake ! PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • due to smartphone OS battle PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • And the huge range of mobile phones PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Downloading, Installation & customization is rather tough PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • for a seasoned user PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • So figure it out when it comes to John Doe or Daya Pawar ! PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • 3 rd issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Mobile Payment are provided as text services PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • So it is not that simple to deliver cross border services PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • that compel the user to enter text on a basic phone keyboard PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Actually why use text services on a phone, when everyone knows how to use vocal ones? 3 years old PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Based on that analyse we have developed PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • It’s an Internet server application binded with IVR and web contact center software Entreprises Individuals PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • That we sell PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • To financial, commercial and administrative institutions and businesses, PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • that need to empower their customers and benefitors PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • With voice and/or web delivered privative e-currency services for PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Person to Person remittance, gifting and payment PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Person to Merchant payment PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Face to face as well as at distance PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • End user’s benefits PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Customer subscribtion is matter of 30 seconds with a simple phone call. It requires no software or device installation, nor skill or computing ability PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Simple to use since all services are voice delivered Welcome to Equitap e-currency service. Your current number is +221 96982323. If this your account please type 1 or type 2 to enter another account number PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • available with any telephone Mobile, Landline, VOIP, Public, services need no Web connection PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Paytap vocally delivered services are open to everyone, even illiterate consumers in their language PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Yet of course the same services are also securely Web delivered PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Subscriber tops his wallet up with : coupons & loyalty vouchers, prepaid cards cash to agent Paypal & classical online payment or by getting instant transfer from another subscriber. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Services are at reach and accurate even cross-border 24h/24h - 365 d/y no need to rush to ATM or local branch for cash PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Real time transactions Security & Traceability PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Paytap based e-currency operator’s benefits PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Each operator generates its closed loop privative e- currency which is available only between subscribers. It can be customized and rolled out in matter of days. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • No installation at all on the client edge* * services available Anytime – Anywhere – Any Device PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Capex near to 0 very low Opex easy scalability higher security, PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Security (real time clearing) No repudiation nor charge back issue* each Paytap transaction implies payer’s consent signature PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Very Powerful viral Marketing each payer demonstrates the services when transfering to family or friends PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Enables loyalty program and disruptive one to one CRM since each operation is automatically binding the transaction content with its payment. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Paytap innovative purchasing chanel with a simple phone call ( e-phonestore) helps e- currency circulation in closed loop thus reducing financial costs for cashing out. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Sustainable revenue model : e-currency operator collects fees on each transaction PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • ROI : Business case for 400 000 activ e-Wallets 25 transactions 10€ / year average fees 1,5% 1 500 000 € Expenses 530 124 € EBIT : 969 876 € see detailed spreadsheet in addendum PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Application Fields PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Person to Person money transfer and payment PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Person to Merchant payment on and offline any device see www.paytap.net/videos PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Privative e-currencies vouchers, loyalty plan, web-store payment system.. PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Disruptive innovative e-commerce solution : e-phonestore enable direct purchasing anytime anywhere with a simple phone call PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • e-Money, money transfer and micro-finances for developing countries, BOP* bancarization * Bottom of the Pyramide : the billion poorest - they today own their mobile phone PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Please try now Open your EQUITAP demo e-currency Wallet at www.paytap.net/equitap PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Jean-Marc Lévy Dreyfus +33 6 1639 6298 jmlevy@gotapp.com PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Appendices On Mobile Payment • Source : Juniper Networks http://www.businessweek.com/globalbiz/content/jun2008/gb20080618_147746.htm?campaign_id=rss_daily • Arthur D. Little Sees Mobile Payments Surging Ahead with Distinct Opportunities in Developed and Emerging Markets http://www.pr-inside.com/print1206334.htm • On BOP by CK Prahalad : http://www.12manage.com/methods_prahalad_bottom_of_the_pyramid.html On Foreign Remittance • Source : IFAD 2007 http://www.ifad.org/sf/f/index.htm PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Secured transactions and social network platform powered by PAYTAP Registration By Operation via account telephone voice or web owner (compulsory) delivered services Merchants Profil Home Page Associations gifts Personal vault affiliated Mail, Blog, Forum Merchant Games, Quiz Payment, gifts Prizes winnings Virtual wallet Prépaid Distributors cards Remittance to a subscriber Deposit Coupons Agents Bank Transfer Sponsors Top-up Loyalty Points partners Card payment PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Teranga Rewmi Senegal Business case – ROI N u m b e r o f a c tiv a c c o u n ts a c tifs F T E (2 o p é ra tio n s / m o n th ) 400 000 N u m b e r o f d e p o s it o f a ve ra g e 5 0 € d e p o s it fe e o f 1 % n e t 200 000 N u m b e r o f c a s h w ith d ra w a l o f a ve ra g e 5 0 € w ith d ra w a l fe e o f 4 % n e t 100 000 N u m b e r o f a ve ra g e 1 0 € p a ym e n t o r tra n s fe r from a c c o u n t to a c c o u n t fe e o f 1 ,5 % 8 000 000 T o ta l N u m b e r o f ye a rly tra n s a c tio n s 7 5 % v o ic e 2 5 % W eb 8 500 000 Y e a rly fe e s c o lle c te d b y e -c u rre n c y o p e ra to r T e ra n g a R e w m i 1 500 000 € O v e ra ll ye a rly e -c u rre n c y o p e ra to r T e ra n g a R e w m i e x p e n s e s 530 124 € T e le c o m e x p e n s e s , IV R h o s tin g fe e s a n d C a p e x a m o rtiza tio n 43 933 € P a yta p p a ltfo rm c u s to m iz a tio n a n d m a in te n a n c e 6 590 € In te rn e t s e rv e r, in s ta lla tio n , c u s to m iza tio n , h o s tin g a n d m a in te n a n c e 72 000 € U s e r H e lp D e s k e x p e n s e s 87 601 € P a yta p ’s a n n u a l ro y a lty 20 000 € P a yta p o p e ra tio n a l fe e s : 2 0 % o f e -c u rre n y o p e ra to r c o lle c te d fe e s 300 000 € e -c u rre n c y o p e ra to r’s G ro s s P ro fit (e x c e p t m a rk e tin g e x p e n s e s ) 969 876 € G P in % 6 4 ,6 6 % PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
    • Paytap 3 years target : 100 e-currency platforms Q3- 2009 Q4 -2009 Q1 - 2010 Q2 -2010 Q3- 2010 Q4 -2010 Q1 - 2011 Q2 -2011 Q3- 2011 Q4 -2011 New operator/ quarter 1 2 5 5 7 10 10 15 2025 Total number of operators 1 3 8 13 20 30 40 55 75 100 Number of activ accounts 40 000 136 667 268 333 400 000 531 667 663 333 795 000 926 667 1 058 333 1 190 000 Number of activ accounts 0 80 000 273 333 536 667 800 000 1 063 333 1 326 667 1 590 000 1 853 333 2 116 667 Number of activ accounts 200 000 683 333 1 341 667 2 000 000 2 658 333 3 316 667 3 975 000 4 633 333 Number of activ accounts 200 000 683 333 1 341 667 2 000 000 2 658 333 3 316 667 3 975 000 Number of activ accounts 280 000 956 667 1 878 333 2 800 000 3 721 667 4 643 333 Number of activ accounts 400 000 1 366 667 2 683 333 4 000 000 5 316 667 Number of activ accounts 400 000 1 366 667 2 683 333 4 000 000 Number of activ accounts 600 000 2 050 000 4 025 000 Number of activ accounts 800 000 2 733 333 Number of activ accounts 1 000 000 Total activ accounts 40 000 216 667 741 667 1 820 000 3 636 667 6 425 000 10 425 000 15 941 667 23 458 333 33 633 333 PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net