1. paythru

Making It Mobile 22nd March 2012 slide 1

The growth of mobile payments๏ In 2011 smartphone sales exceeded PC shipments for the first time๏ More of us will be browsing the web via our phones than accessing it from a PC. We should be able to buy easily, too!๏ ‘Global mobile transactions were predicted to be $241 Billion in 2011, growing to more than $1 Trillion by 2015’ Yankee Group๏ Transaction values are growing: we are seeing individual transactions over £5,000 slide 2

So who’s driving this growth? slide 3

‘Generation M’

What is paythru?๏ Definition - A payments company specialising in mobile ๏ Simple, secure and effective for consumers and merchants ๏ A platform that is network, method & device agnostic ๏ Trusted Bank strength security - Exceed PCI DSS Level 1 2.0 & ‘Tokenisation’ Regulations๏ Vision - Bringing the world of payments to the mobile consumer ๏ Innovative: paythru creates personalised m-Commerce experiences that increase loyalty and value ๏ Frictionless: easy one-click transactions for mobile ๏ Ubiquitous: a spectrum of payment types including “virtual money” such as coupons, loyalty points and certificates slide 5

Technology Strategy slide 6

So is it all about ‘Tap and Go’ / NFC?๏ ‘Tap and Go’ / NFC: ๏ Merchants will need new ‘readers’ in store. ๏ Consumers will need new handsets/devices ๏ ? Currently limited to some operators / card providers. ๏ Transaction limits (in UK limited to £15, £100 max load) – so not suitable for high value items or impulse purchasing. ๏ New to consumers. ๏ You won’t find NFC here. slide 7

So is it all about m-wallets?๏ M-wallets: ๏ Normally require pre-registration (again, ruling out impulse purchases). ๏ Integration costs to retailers. ๏ Consumer reluctance to deposit money with schemes ? slide 8

So is it all about Card & Bank payment? ✓๏ Card and Bank payments: ๏ No registration required. ๏ Familiar to customers. ๏ No additional charges to retailers . ๏ Secure. great starting point! ๏ Ubiquitous. Accepted Worldwide. Turkish retailer and mobile payments! slide 9

OK, so we’re therefore combining these...

... with this.

Global Connectivity Coverage France Spain Denmark United Kingdom Germany Poland The Netherlands All Major Banks Norway/ Sweden Estonia Italy Hungary Canada Russia USA Singapore Finland Ireland Czech Republic Global Coverage Australia & New ZealandOver 200 Local payment connections slide 12

Product Suite paythruCOLLECT paythruDONATE paythruMEDIA paythruMONEY paythruTICKET paythruPARK paythruPLUS PAY@TABLE paythru paythruIntegration Interfaces for Partners Enterprise API paythru paythruREACTOR Platform providing: Gateway API paythruADMIN & PARTNER • e- Wallet paythru paythruANALYTICS • Payment Instalments Express API paythruPAGES • Personal Credit paythruTAG • Personal Contracts paythru paythruSMS • Debit & Credit Card payments payD API • Alternative Payments paythruVOICE paythruMONEY • Electronic Fund Transfers paythru • payD Mobile Authenticated Voice API Transactions slide 13

Ingenuity in action - paythruPAY@TABLE slide 14

Ingenuity in action - mobile web, PAY@TABLE journey a (pay full amount) journey b (split amount) journey c (enter amount) 1. The waiter/ 2. The customer logs in to 3 The customerwaitress presents the the app/mobile website enters the PIN, it isbill to the customer at then sent to paythruthe table. who queries Micros for the check details. slide 15

Ingenuity in action - mobile web, PAY@TABLE 1. The customer is 2. The customer is 3. Payment is madepresented with the asked a second time if and the customer hastotal amount payable they would like to the option to email aand confirms confirm payment. receipt. Micros closespayment. the check. slide 16

Ingenuity in action - paythruSMS 1. The customer 2. The waiter/ 3. The customersigns up to ‘Pay at waitress presents the sends the PIN to aTable’ on Jamie’s bill to the customer at short code using SMS.Italian website. the table. slide 17

Ingenuity in action - paythruSMS 4. The customer 5. The customer 6. The customer 7. The customerreceives an SMS confirms the transaction receives confirmation sends an optional SMSconfirming the and a gratuity amount if and instruction on confirming that theybalance to pay, with desired. Payment is how to make a would like to make athe option to add made. Micros closes charitable donation. charitable donation.gratuity. the check. slide 18

Ingenuity in action - paythruPLUS slide 19

Ingenuity in action - paythruPLUS Customer has to Management page The customer canset up preferences displays funds available, manage account onwhen joining money saved, links to the mobile or desktop apply for credit, etc slide 20

Ingenuity in action - paythruPLUS The system thus This allows the Thus optimisingprovides insight into merchant to send consumer relationshipscustomer behaviour customised offers and consumer transactions slide 21

Ingenuity in action - paythruPLUS Upon joining in, the As a thank you, the To incentivisecustomer would customer receives customers to come toreceive introductory offers for their next the centre on aoffers and gifts visit to the shopping specific day they get centre special offers slide 22

But it’s not just about greattechnology...It’s also about execution. slide 23

Strategypaythru participates in the largest mobile finance segments €€€ Mobile Commerce ✓ Impact on marketing, CRM, channel expansion €€ Mobile Payments ✓ Person to Merchant as well as Person To Person € Mobile Banking eg - check your bank balance slide 24

Where is paythru at today?๏ 8 core markets ๏ Retail ๏ Food ๏ Charity ๏ Local Government ๏ Debt collection ๏ Ticketing/Billing ๏ P2P ๏ Media๏ 3 core territories ๏ UK/Europe ๏ South Africa ๏ Turkey slide 25

Clients & PartnersUK/Europe๏ “Step Change” Opportunities -> category domination๏ Retail - SC+/HS+ = Capital Shopping Centres๏ Food - Micros (Wagamama, Yum), Jamie Oliver๏ Charity - NSPCC, Charities Trust, Jamie Oliver Foundation๏ Local Government - Serco, Capita, SNT๏ Debt - Adeptra, Nostrum๏ Ticketing/billing - Lo-Q, Parkeon, SwitchfireOverseas (currently South Africa, Turkey, Australia)๏ Retail - Groupon, Takealot, Jumbuck๏ Banking - Asseco, PayD๏ Other - MixIT, Mira, MBD, Connet slide 26

paythru investment profileCompany Profile Current Investors: Private investors Capital Raised to Date: €3M Last Financing Round: €0.75M Date of Last Round of Financing: 07/31/11 Valuation of Last Financing Round: €6.25M Expected Date of Next Financing Round: Q2 2012 Size of Next Financing Round: €1 - 2M Main Use of Proceeds: Grow Internationally and technological development Date of Profitability: Q2 2012 Expected IPO / Exit: 2013-2015Company Seeks Venture Capital: Yes Strategic / Corporate Partners: Yes Preferred Location of Investor: London slide 27

russell sheffield +44 1494 41 51 23 r.sheffield@paythru.comText paythru to 67766 paythru.mobi

1. paythru

by rachelmsalmon on Mar 26, 2012

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1. paythru Presentation Transcript