Wrocław 2013Confidential, property of PSP Polska.Espago Bank TranfersPremiere, 25.04.2013
Competences and BaseWrocław 2013Confidential, property of PSP Polska.“Market Leader of Innovation 2012”
1. Sell a lot with good margin2. Provide comfort for the buyer3. Quickly get the money4. Automate internal processes relatedto the settlement of paymentsWhat does the seller wantfrom payment methods?Wrocław 2013Confidential, property of PSP Polska.
Each country is differentWrocław 2013Confidential, property of PSP Polska.PolandGreat Britain4GermanyStudy on the payment preferences in the world published by theWorldPay http://www.worldpay.com/corporate/index.php?page=campaign-2011-download&c=UK
Wrocław 2013Confidential, property of PSP Polska.Polish the most popular e-commercesolution for bank transfersSo-called PayByLinki the following options:•automatic•semi-automatic• PayByNet (KIR S.A.)
Wrocław 2013Confidential, property of PSP Polska.Common features of PayByLinkin Poland:1. Bank transfer to the middlemanaccount(Intermediary assumes account itsbank account at any bank) *2. Confirmation of the transaction inreal time(Only when the transfer within thebank are in real time). Not all bankskeep an account of 7/243.The commission of about 2% or more (The automatic pay-by-links banksaccount for most of thecommission)4. Easier for the buyer: Auto-filling ofbank transfer(not all Pay-By-Links featureautomatically auto-fill the banktransfer)* n/a KIR S.A.
Development of interbanksystem in PolandWrocław 2013Confidential, property of PSP Polska.Sybir >>> Elixir >>> Realtime“Immediate transfer on alarge scale this year”www.onet.pl, 12.04.2013
Wrocław 2013Confidential, property of PSP Polska.How long does the Bank Transferin Poland?The average waiting time 4 hours 25 minutesOutgoing Bank Time ofDepartureIncoming Bank Time of Arrival waiting time*CITI Bank 12:32 BZWBK 17:17 4,5Multibank 12:22 BZWBK 17:07 4,5Multibank 14:05 BZWBK 11:32 7,5CITI Bank 14:08 BZWBK 17:21 3,0Paribas 13:54 BZWBK 17:19 4,0Paribas business 13:37 BZWBK 17:19 4,0Multibank 10:25 BZWBK 17:05 6,5CITI Bank 10:23 BZWBK 15:10 4,5Paribas 10:33 BZWBK 15:09 4,5Multibank 22:50 BZWBK 11:10 3,0CITI Bank 22:50 BZWBK 11:15 3,0Paribas 22:50 BZWBK 11:15 3,0* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00* Assumed working time of e-commerce from 08:00 to 18:00
What payment service theseller buys?Wrocław 2013Confidential, property of PSP Polska.1. Seller is informed that the buyerhas paid in real time(Without any system seller learns aboutthe payment the latest the next morning -for many e-commere a few hours in theevening or at night is not critical)Espago transfers indicates that thetransaction is carried out in real time.2. Easier for the buyer: Auto-fillingbank transfer(Customers like to automate, do notabandon the transaction, it is a realbenefit to the seller)Espago Transfers Transfer automatesthe filling bank transfer.3. Automatic payment reconciliation(bank with the shop transaction).(Exisiting systems provide information onthe bank account of the middleman)Espago Transfers integrates andreconciles transactions for some banks.
Espago TranfersWrocław 2013Confidential, property of PSP Polska.•Espago Tranfer applet auto fills the buyer’s banktransfer automatically for accounts in 23 Polishbanks•We improve the processes for the seller: We givenotice of completion of the transaction in real-time and allow integration with some banks•Direct bank transfer to the account of the seller
Espago Transfers -EconomicsWrocław 2013Confidential, property of PSP Polska.•The cost of a commission of 1%•Reducing costs of the e-economy and e-commerce•Elimination of unnecessary interme-diaries•The benefits for the economy at the macro level•Dissemination of non-cash transactionsin the economy
Wrocław 2013Confidential, property of PSP Polska.We offerWe provide a uniform API with a solutionconsisting hereby:•processing payment cards (VISA, MasterCard,JCB, Amex)•Automatic Recurring Payments•Espago Tranfers•PayByNet
How we earn?Wrocław 2013Confidential, property of PSP Polska.•The commission - a percentage of eachtransaction (as a provider of solutions)•The partnership programs (cross sellingsolutions)•We are competitive
Thank you for your attentionand welcome to do business with us!Sales: Tomasz Skotarektel. +48 790 727 273, email@example.comMarketing: Agnieszka Gonczar,tel. + 48 793 977 776, firstname.lastname@example.orgBusiness Development: Krzysztof Lis FCCA,tel. +48 791 834 784, email@example.comWrocław 2013Confidential, property of PSP Polska.