0
Web and Voice person to person
              payment and remittance services delivery platform




PAYTAP : web and voice ...
Jean-Marc Levy Dreyfus
                       CEO Online & Groupware
                       jmlevy@gotapp.com
            ...
A disruptive purchase and
               payment system as simple as a
                        phone call.



PAYTAP : web...
Here is the issue we solve :




PAYTAP : web and voice person to person payment and remittance services delivery platform...
Today I use




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS ©...
a Card or Paypal




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap ...
To withdraw cash




                                               Providing there is an ATM near by


PAYTAP : web and v...
To pay at merchant’s store




                           As long as the merchant owns a POS payment terminal


PAYTAP : w...
And to buy online




           As long as I am buying at a web store’s paybox – or to a paypal subscriber


PAYTAP : web...
Or from a Web Store




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Payt...
but card and Paypal are
                                    useless here




PAYTAP : web and voice person to person payme...
And here




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © 20...
and when I need to pay a person




                            Since individuals usualy own no POS payment terminal

PAYT...
Actually the issue is not
                              how can I pay ?




PAYTAP : web and voice person to person paymen...
But
                                How can I get paid ?



              * and it ’s a major issue in time of economic tu...
By Check ?




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © ...
Postal order?
                                           Western Union ?




PAYTAP : web and voice person to person payme...
in 2007 :
                            200 Million individuals
                           $ 311 Billion Remittance

       ...
Next payment system must




PAYTAP : web and voice person to person payment and remittance services delivery platform -  ...
Enable and warrant
                    person to person payment


                                    *no matter if the pe...
Face to Face




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS ...
As well as at distance




PAYTAP : web and voice person to person payment and remittance services delivery platform -   P...
the solution :
                                   Mobile Payment ??




PAYTAP : web and voice person to person payment an...
an excellent idea




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap...
market :
                           4 billion mobile phones




PAYTAP : web and voice person to person payment and remitt...
could deliver cards’ equivalent
            features without requiring specific
             acceptation network and devic...
By 2011 :
                                 612 Million users
                               $587 Billion by phone
        ...
But Mobile payment requires




PAYTAP : web and voice person to person payment and remittance services delivery platform ...
a software installed
                                   on your cell phone




PAYTAP : web and voice person to person pay...
Either in your
                                  operator’s SIM card




PAYTAP : web and voice person to person payment a...
or after you downloaded it




PAYTAP : web and voice person to person payment and remittance services delivery platform -...
1st issue



PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © 20...
In case of




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © ...
Or




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © 2009 www...
Your may loose not only your
                   personal data
                 but also your cash




PAYTAP : web and voi...
2 nd issue




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © ...
Mpayment Solution
                                     is provided by




PAYTAP : web and voice person to person payment ...
# 1 : Mobile Operator




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Pa...
Both the person who pays and
             the one who is paid must




PAYTAP : web and voice person to person payment and...
subscribe to the same carrier




PAYTAP : web and voice person to person payment and remittance services delivery platfor...
# 2 : banks and
                               M-payment providers




PAYTAP : web and voice person to person payment and...
Their solutions are
                                   carrier independent




PAYTAP : web and voice person to person pay...
but based on
                               proprietary softwares




PAYTAP : web and voice person to person payment and ...
That need to be installed by
                     the account owner




PAYTAP : web and voice person to person payment an...
and this is not a piece of cake !




PAYTAP : web and voice person to person payment and remittance services delivery pla...
due to smartphone OS battle




PAYTAP : web and voice person to person payment and remittance services delivery platform ...
And the huge range
                                   of mobile phones




PAYTAP : web and voice person to person payment...
Downloading, Installation &
                 customization is rather tough




PAYTAP : web and voice person to person pay...
for a seasoned user




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Payt...
So figure it out when
    it comes to John Doe or Daya Pawar
                       !




PAYTAP : web and voice person to...
3 rd issue




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS © ...
Mobile Payment are provided
                    as text services




PAYTAP : web and voice person to person payment and r...
So it is not that simple to
               deliver cross border services




PAYTAP : web and voice person to person payme...
that compel the user to enter text
               on a basic phone keyboard




PAYTAP : web and voice person to person pa...
Actually why use text services
            on a phone, when everyone
           knows how to use vocal ones?


           ...
Based on that analyse we
                         have developed




PAYTAP : web and voice person to person payment and r...
It’s an Internet server application binded
    with IVR and web contact center software
                                  ...
That we sell




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Paytap SAS ...
To financial, commercial and
                    administrative institutions and
                             businesses,
...
that need to empower their
                     customers and benefitors




PAYTAP : web and voice person to person payme...
With voice and/or web
                                delivered privative
                              e-currency service...
Person to Person remittance,
                     gifting and payment




PAYTAP : web and voice person to person payment ...
Person to Merchant payment




PAYTAP : web and voice person to person payment and remittance services delivery platform -...
Face to face as well as at
                               distance




PAYTAP : web and voice person to person payment and...
End user’s benefits




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Payt...
Customer subscribtion is matter of 30
    seconds with a simple phone call.
    It requires no software or device
    inst...
Simple to use since all services
               are voice delivered


                                                    ...
available with any telephone
            Mobile, Landline, VOIP, Public,
           services need no Web connection




PA...
Paytap vocally delivered services are
        open to everyone, even illiterate
          consumers in their language




...
Yet of course the same services
              are also securely Web delivered




PAYTAP : web and voice person to person ...
Subscriber tops his wallet up with :

            coupons & loyalty vouchers,
            prepaid cards cash to agent
    ...
Services are
                            at reach and accurate
                              even cross-border
           ...
Real time transactions
                            Security & Traceability




PAYTAP : web and voice person to person pay...
Paytap based e-currency
                         operator’s benefits




PAYTAP : web and voice person to person payment a...
Each operator generates its
                   closed loop privative e-
                 currency which is available
     ...
No installation at all on the
                           client edge*



          * services available Anytime – Anywhere...
Capex near to 0
                                           very low Opex
                                          easy sc...
Security (real time clearing)
                            No repudiation
                        nor charge back issue*


...
Very Powerful viral Marketing
              each payer demonstrates the
              services when transfering to
       ...
Enables loyalty program and
                disruptive one to one CRM
                  since each operation is
          ...
Paytap innovative purchasing
               chanel with a simple phone
              call ( e-phonestore) helps e-
       ...
Sustainable revenue model :
               e-currency operator collects
                 fees on each transaction




PAYT...
ROI : Business case for

           400 000 activ e-Wallets
           25 transactions 10€ / year
           average fees ...
Application Fields




PAYTAP : web and voice person to person payment and remittance services delivery platform -   Payta...
Person to Person money
                        transfer and payment




PAYTAP : web and voice person to person payment an...
Person to Merchant payment on
                  and offline any device
                                                   ...
Privative e-currencies
                        vouchers, loyalty plan,
                      web-store payment system..


...
Disruptive innovative e-commerce solution :
             e-phonestore enable direct purchasing
             anytime anywhe...
e-Money, money transfer and
                  micro-finances for developing
                  countries, BOP* bancarizatio...
Please try                                                     now
                                       Open your EQUITA...
Jean-Marc Lévy Dreyfus
                                 +33 6 1639 6298
                               jmlevy@gotapp.com

...
Appendices
       On Mobile Payment

       •     Source : Juniper Networks
             http://www.businessweek.com/globa...
Secured transactions and social network platform powered by PAYTAP

                      Registration By                 ...
Teranga Rewmi Senegal                                                          Business case – ROI


      N u m b e r o f...
Paytap 3 years target : 100 e-currency platforms


                                    Q3- 2009 Q4 -2009 Q1 - 2010 Q2 -201...
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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

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  1. 1. 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
  2. 2. 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
  3. 3. 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
  4. 4. 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
  5. 5. Today I use PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  6. 6. a Card or Paypal PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  7. 7. 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
  8. 8. 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
  9. 9. 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
  10. 10. Or from a Web Store PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  11. 11. 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
  12. 12. And here PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  13. 13. 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
  14. 14. 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
  15. 15. 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
  16. 16. By Check ? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  17. 17. Postal order? Western Union ? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  18. 18. 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
  19. 19. Next payment system must PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  20. 20. 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
  21. 21. Face to Face PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  22. 22. As well as at distance PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  23. 23. the solution : Mobile Payment ?? PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  24. 24. an excellent idea PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  25. 25. market : 4 billion mobile phones PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  26. 26. 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
  27. 27. 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
  28. 28. But Mobile payment requires PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  29. 29. 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
  30. 30. 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
  31. 31. or after you downloaded it PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  32. 32. 1st issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  33. 33. In case of PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  34. 34. Or PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  35. 35. 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
  36. 36. 2 nd issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  37. 37. Mpayment Solution is provided by PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  38. 38. # 1 : Mobile Operator PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  39. 39. 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
  40. 40. subscribe to the same carrier PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  41. 41. # 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
  42. 42. Their solutions are carrier independent PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  43. 43. but based on proprietary softwares PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  44. 44. 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
  45. 45. 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
  46. 46. due to smartphone OS battle PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  47. 47. 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
  48. 48. 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
  49. 49. for a seasoned user PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  50. 50. 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
  51. 51. 3 rd issue PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  52. 52. 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
  53. 53. 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
  54. 54. 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
  55. 55. 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
  56. 56. 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
  57. 57. 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
  58. 58. That we sell PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  59. 59. 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
  60. 60. 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
  61. 61. 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
  62. 62. 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
  63. 63. Person to Merchant payment PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  64. 64. 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
  65. 65. End user’s benefits PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  66. 66. 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
  67. 67. 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
  68. 68. 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
  69. 69. 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
  70. 70. 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
  71. 71. 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
  72. 72. 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
  73. 73. Real time transactions Security & Traceability PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  74. 74. 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
  75. 75. 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
  76. 76. 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
  77. 77. 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
  78. 78. 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
  79. 79. 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
  80. 80. 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
  81. 81. 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
  82. 82. 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
  83. 83. 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
  84. 84. Application Fields PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
  85. 85. 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
  86. 86. 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
  87. 87. 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
  88. 88. 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
  89. 89. 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
  90. 90. 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
  91. 91. 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
  92. 92. 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
  93. 93. 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
  94. 94. 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
  95. 95. 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
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