Paypal
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  • For:-Buy+sell
    Dollar Type:- Paypal
    Dollar Amount:-every day $$ 500
    Dollar Rate:- Ng
    Payment Way:- Face 2 Face, & Negotiable..
    Location:-dhaka moghbazer=1217
    Contact:- 01966412529,skype id=radiohashi.com
    www.radiohashi.com
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Paypal Presentation Transcript

  • 1. Creating a new global standard for online payments 10/07/04
  • 2. PayPal overview
    • 50M user accounts
    • 5 currencies, 45 countries
    • Alternative funding options for buyers who don’t own credit cards or prefer not to use them:
      • Bank account transfer
      • eCheck
      • Stored balance
      • Buyer Credit
    PayPal Member Account Growth through Q2 ‘04 A growing community of users
  • 3. eBay is a premier growth company … (Real $M) GMV 1 5 10 15 20 25 30 35 40 Years from incorporation Note: Sales and GMV adjusted to reflect 2003 dollars. http://www.bea.gov/dn/home/gdp.htm Source: eBay; US Department of commerce; Bureau of Economic Analysis; BCG analysis.
  • 4. … and so is PayPal! GMV 1 5 10 15 20 25 30 35 40 Years from incorporation (Real $M) Note: Sales and GMV adjusted to reflect 2003 dollars. http://www.bea.gov/dn/home/gdp.htm Source: eBay; US Department of commerce; Bureau of Economic Analysis; BCG analysis. TPV
  • 5. How PayPal works Senders Visa/MC, Amex, Discover Bank Account Debit Card (e.g., Switch-Solo in UK) Stored Value Account Bank Account PayPal Debit MasterCard Paper Check Another PayPal account Stored Value Account Receivers eCheck
  • 6. Why PayPal works for buyers
    • Free to use
    • Pay anyone with a credit card or bank account: “online wallet”
    • Fast, secure payment – 1 week -> 1 minute
    • Stores financial information securely to maintains user privacy
    • Works cross-border
    eCommerce P2P/remittances Importance PP competitiveness Cost Convenience Rewards/loyalty points Security Network
  • 7. Why PayPal works for sellers
    • Enables credit card acceptance
    • Faster payment = faster inventory turn
    • Easy to sign up
    • No setup, monthly or gateway fees
    • Competitive price with no minimum time commitment
    • Fraud protection – 25 bp vs. 110 bp
  • 8. Complementary missions The world’s online marketplace The world’s online payments standard Powering Online Commerce
  • 9. Symbiotic relationship with eBay
    • Increases velocity of trade
    • Enhances trust & safety
    • Enables innovation
    • Provides the aggregation point for small business
    • Drives critical mass of buyers & sellers
    • Solved counter-party problem
  • 10. Impact to eBay marketplace PayPal integration Year-over-year US transaction revenue growth Note: 2001 data reflects growth rates in total US revenues, not just “transaction revenues.” Transaction revenues have constituted over 95% of total US revenues from 2002 through Q2, 2004.
  • 11. PayPal enables global trade Can be used in 45 countries PayPal available PayPal available + Local Bank Acct. Withdrawal Currencies Supported: US $, CA $, GBP £, Euro €, JP Yen ¥ Localized: US, UK, DE, FR, BE, CH, NL, AT
  • 12. A Global Destiny
    • Milestones
      • Multi-currency support in November 2002
      • UK site: September 2003
      • DE site: July 2004
      • FR site: August 2003
    • PayPal will continue to support eBay in key geographies where eBay is strong and payments solutions are required
  • 13. Can banks profit from “remittances”?
    • Yes, but…
    • Market competition is fierce
      • MTOs have 90% of the “official” market (Western Union, MoneyGram)
      • MTOs have robust physical distribution, low access barriers, real time funds transfer
      • Internet P2P players (e.g., Yahoo PayDirect)
    • Need to overcome the “the first mile problem”
      • Establish profitability to serve customers
      • Customer-friendly interface
      • Customer acquisition
      • No real time funds transfer between institutions
      • Legal/Regulatory barriers – USA Patriot Act, card associations, NACHA
    • Need to overcome the “the last mile problem”
      • Receivers are largely “unbanked,” exhibit low financial literacy
      • Local bank networks (branches and ATMs) still in development
      • FATF
  • 14. Possible market strategies
    • Banks
      • Learn from past experiences – C2it, from Citibank
      • Acquire user base – lower barriers to access
      • Offer a compelling product
      • Compete on price, value
    • MTOs
      • Business model already works
      • Compete on “real time funds transfer”
      • Offer a customer-friendly UI, “fast and secure” payment to reach out new customer segments
      • Upgrade product line to offer P2P, “delayed payment” offering
    • New technologies mean new opportunities
      • Leverage ATM networks
      • Use the proliferation of the Internet
  • 15. Partnering for success in remittances
    • PayPal offers
    • User network of 50 million, with stored financial information
    • Millions of immigrants
    • Convenient, “always on” front end in key sender countries: US, UK, DE
    • Pricing is 50% less than MTO
    • Real time funds availability (instant ACH or credit cards)
    • Innovative products
    • Trusted payments brand in US
    • Secure platform
    • Money transmitter license
    • Compliant with USA Patriot Act
    • International account-to-account transfers
    • PayPal needs
    • Banked senders and receivers, who are online; OR
    • Partner to deliver funds from a user’s PayPal account; OR
    • Physical access points for offline or unbanked receivers
    • Access to customers in receiver countries
    • Sponsorship into the ATM network
    • Compliance – OFAC, AML, etc
    • Trusted payments brand in receiver countries
  • 16. Segment share (projected) Source: Financial DNA, June 2002; Celent Communications, August 2002
    • Card-based transactions will be disruptive to agent-based players like Western Union
      • Ubiquity
        • 30,000 McDonalds
        • 169,000 Western Union Agents
        • 1.2 million ATM locations
      • Acceptance
        • In 2003, there were 2.5 million remittance ATM-card holders in developing world
        • By 2006, that could be 13 million
    • Revenue opportunity in card-based transactions could exceed $2 billion
  • 17. Preferred payment methods Source: BIS Red Book
  • 18. Prioritizing segments for remittances Mexico India
    • Sophistication of bank system
      • Financial services coverage
      • Trustworthiness of financial institutions
    EU # Segment size ($ Billions) China LAC CA UK
    • Internet adoption
      • Online penetration
      • High-speed access
    High Low Low High Philippines Eastern Europe Middle east
  • 19. Thank You! Merci Dank ë Cheers! Domo arigato Xie xie Dhanyabad Abhar Gracias Spasibo Grazie Asante Sipas Go raibh maith agaibh Murromboo Komapsumnida Shukriya Tashakkur Achiu Wanìshi Doh je Mahalo Toda Shukran Aman Verjee [email_address] Dickson Chu [email_address]