SIMPLICITY STARTS HERE

Simplicity Starts Here

CEO Takeo Hiraki | COO Alyssa Tio | CMO Anni Zhang | CFO Tiffany Le
TEAM

Takeo Hiraki
CEO
• UC Berkeley
• BS Business
Administration
• Minor: Computer
Science
• Focused on payments
industry...
THE WORLD IS BECOMING MORE COMPLICATED

Product & Company

Market

Operations

Financials

Q&A
UNCOMPROMISING SIMPLICITY

EASE OF ACCESS
SECURE

Product & Company

Market

Operations

Financials

Q&A
MISSION

To simplify the way we interact with our
money through the aggregation and
protection of our payment cards

Produ...
THE UNICARD
HOW IT WORKS
1. Input Card Data

2. Choose Card
3. Swipe

Product & Company

Market

Operations

Financials

Q&A
MOBILE PAYMENTS INDUSTRY
Dollar Amount of Mobile Payments – U.S.
250

Dollars (Billions)

CAGR '10 - '14: 68%

214

200
16...
TARGET MARKET
Market Size

Target
Market (Age
22-35)
Product & Company

Average US consumer holds
more than 9.5 payment ca...
SWOT ANALYSIS

Product & Company

Market

Operations

Financials

Q&A
POSITIONING & PRICE
$100/year
annual
subscription

Low Cost,
High Quality

Product & Company

Market

Operations

Financia...
MARKETING STRATEGY
Online Marketing
• Social Media
• Press release on tech
websites

Minimal Marketing

Product & Company
...
DISTRIBUTION
Current central
distribution
channel
Disintermediation

Online
Banks
&
Credit Card
companies

Employers
Produ...
STRATEGIC RELATIONSHIPS

Manufacturer

Product & Company

Contractor

Market

Customer Support

Operations

Financials

Q&...
OUR PEOPLE
CMO

Marketing

CEO

COO

Technology

CFO

Sales

Tax

Accounting

Engineers
Product & Company

Market

Operati...
RISKS & MITIGATIONS
•Low barriers to entry;
new competition

•Develop customer and
brand loyalty by introducing
new
featur...
FINANCIAL SUMMARY

Success Factor: Breakeven in 3 Years
ROI of 70.4% by Year 4
Viable M&A Prospects & IPO Considerations
3...
BREAKEVEN IN YEAR 3
Amount in Dollars

1,200,000.00
1,000,000.00
800,000.00
600,000.00

Breakeven

400,000.00
200,000.00
0...
TOTAL ASK: $200,000
2014E 2015E 2016E 2017E 2018E 2019E 2020E
Innovative Technology Marketing

Premium Features
Ad space

...
EXIT STRATEGIES
Highly Viable M&A
Prospects

IPO Considerations

Potential
Valuation
$500 MM

Rev

Potential
Acquirers

$1...
*Sources: census.gov, sec.gov

Product & Company

Market

Operations

Financials

Q&A
APPENDIX: FINANCIAL STATISTICS
Category

Assumptions

Factor

Explanation

Sales Growth

35-40%

0.29

Competitor Rate

CO...
APPENDIX: EQUITY
Initial Investment
500 Startups, 5%

Start-Up Expenses
Patent
Technology Development
Marketing Expenses
E...
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UGBA 100 - Unicard capstone project

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UGBA 100 project slide

Product features in our pitch:
-Can consolidate all cards onto one card
-Access via an app
-Includes credit cards, gift cards, and other payment cards
-Communicates via internet
-Can be instantly wiped through mobile app

Published in: Business, Technology
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  • Disintermediation – direct channel to our usersBut want to tap into the relationships our users have with their banks and employers, building on the trusting relationship & Channel mixAligned channel incentive – channel motivation
  • Who we hire
  • High conversion costs - awarenessPUT LOGO ON ALL SLIDES
  • UGBA 100 - Unicard capstone project

    1. 1. SIMPLICITY STARTS HERE Simplicity Starts Here CEO Takeo Hiraki | COO Alyssa Tio | CMO Anni Zhang | CFO Tiffany Le
    2. 2. TEAM Takeo Hiraki CEO • UC Berkeley • BS Business Administration • Minor: Computer Science • Focused on payments industry at a boutique M&A shop • Business Development at an AngelPad and Kleiner Perkins backed startup Product & Company Tiffany Le CFO • UC Berkeley • BS Business Administration • 4 Years Experience working as a Financial Analyst in a fortune 500 Company • Advisory at Ernst and Young focusing on new tech startups Market Anni Zhang CMO • UC Berkeley • BS Business Administration • BS Conservation & Resource Studies • Extensive marketing knowledge with 22-35 age group • Global Consulting, Shanghai • Marketing experience with startups in U.S. and Canada Operations Financials Alyssa Tio COO • UC Berkeley • BS Business Administration • 2 years experience in financial planning firm • Chair of business organization’s membership committee • Audit at Ernst & Young for tech startup clients Q&A
    3. 3. THE WORLD IS BECOMING MORE COMPLICATED Product & Company Market Operations Financials Q&A
    4. 4. UNCOMPROMISING SIMPLICITY EASE OF ACCESS SECURE Product & Company Market Operations Financials Q&A
    5. 5. MISSION To simplify the way we interact with our money through the aggregation and protection of our payment cards Product & Company Market Operations Financials Q&A
    6. 6. THE UNICARD
    7. 7. HOW IT WORKS 1. Input Card Data 2. Choose Card 3. Swipe Product & Company Market Operations Financials Q&A
    8. 8. MOBILE PAYMENTS INDUSTRY Dollar Amount of Mobile Payments – U.S. 250 Dollars (Billions) CAGR '10 - '14: 68% 214 200 162 150 119 100 81 46 50 15 0 2010 2011 2012 2013 2014 2015 Source: Aite Group Product & Company Market Operations Financials Q&A
    9. 9. TARGET MARKET Market Size Target Market (Age 22-35) Product & Company Average US consumer holds more than 9.5 payment cards Market Operations Financials Q&A
    10. 10. SWOT ANALYSIS Product & Company Market Operations Financials Q&A
    11. 11. POSITIONING & PRICE $100/year annual subscription Low Cost, High Quality Product & Company Market Operations Financials Q&A
    12. 12. MARKETING STRATEGY Online Marketing • Social Media • Press release on tech websites Minimal Marketing Product & Company Market Operations Strategic Partnerships • Credit Card company • Professional Company Financials Q&A
    13. 13. DISTRIBUTION Current central distribution channel Disintermediation Online Banks & Credit Card companies Employers Product & Company Aligned channel incentive Ad space and cross-selling Access to target market Promotion and advertising Market Operations Financials Q&A
    14. 14. STRATEGIC RELATIONSHIPS Manufacturer Product & Company Contractor Market Customer Support Operations Financials Q&A
    15. 15. OUR PEOPLE CMO Marketing CEO COO Technology CFO Sales Tax Accounting Engineers Product & Company Market Operations Financials Q&A
    16. 16. RISKS & MITIGATIONS •Low barriers to entry; new competition •Develop customer and brand loyalty by introducing new features, marketing, and customer service •High conversion costs •Marketing strategy •Technological advancements Product & Company Market •Re-investing 25% of revenues into R&D Operations Financials Q&A
    17. 17. FINANCIAL SUMMARY Success Factor: Breakeven in 3 Years ROI of 70.4% by Year 4 Viable M&A Prospects & IPO Considerations 35-40% Y-O-Y Growth Product & Company Market Operations Financials Q&A
    18. 18. BREAKEVEN IN YEAR 3 Amount in Dollars 1,200,000.00 1,000,000.00 800,000.00 600,000.00 Breakeven 400,000.00 200,000.00 0.00 Beta -200,000.00 2014E 2015E 2016E Year Total Revenue Product & Company 2013E Market Total Expenses Operations Net Income Financials Q&A
    19. 19. TOTAL ASK: $200,000 2014E 2015E 2016E 2017E 2018E 2019E 2020E Innovative Technology Marketing Premium Features Ad space Transaction Fees Expand to international market Increasing Revenues Decreasing Costs Product & Company Market Operations Financials Q&A
    20. 20. EXIT STRATEGIES Highly Viable M&A Prospects IPO Considerations Potential Valuation $500 MM Rev Potential Acquirers $10 MM Product & Company Market Operations Financials Q&A
    21. 21. *Sources: census.gov, sec.gov Product & Company Market Operations Financials Q&A
    22. 22. APPENDIX: FINANCIAL STATISTICS Category Assumptions Factor Explanation Sales Growth 35-40% 0.29 Competitor Rate COGS $0.50/card $0.50 Manufacturer Rate Depreciation $1600/year $1,600.00 Based on Straight-line Depreciation for a useful life of 5 years Marketing 25-30% of revenue 0.25 - 0.30 Variable Upon Growth 25% of Revenue 0.25 Industry Standard 10% of Revenue 0.1 Industry Standard 35% corporate tax rate 0.35 Industry Standard Research & Development Selling, General, & Administrative Tax Rate *Sources: census.gov, sec.gov Product & Company Market Operations Financials Q&A
    23. 23. APPENDIX: EQUITY Initial Investment 500 Startups, 5% Start-Up Expenses Patent Technology Development Marketing Expenses Equipment Rent Total Start-Up Expenses $20,000.00 $100,000 $20,000 $6,667.67 Capstone Capitalists, 15% Takeo Hiraki, 20% $146,667.67 Alyssa Tio, 20% Tiffany Le, 20% Start-Up Assets Equipment (Computers) Other Current Assets Total Assets $10,000 $5,000 $15,000 Total Initial Investment Amounts Initial Investment Anni Zhang, 20% $161,667.67 500 Startups 500 Startups Tiffany Le Alyssa Tio $25,000 CEO - Takeo Hiraki $34,166.92 CFO - Tiffany Le $34,166.92 CMO - Anni Zhang $34,166.92 COO - Alyssa Tio $34,166.92 Product & Company Market Takeo Hiraki Anni Zhang Capstone Capitalists Capital Needed $200,000 Operations Financials Q&A

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