Voisicard is a full stack banking solution for Telcos. It provides interoperability between MNOs and raises ARPU offering user-friendly banking services for subscribers along with customer intelligence data for merchants. On the back-end, Voisicard reduces fraud risk and optimizes Telcos banking expenditures. Transaction costs for real-time regional and international payments are significantly lower without changing how Telcos work with conventional banks. On the front-end, customers and merchants get user-friendly, affordable and widely available mCommerce/eCommerce and brick&mortar payment platform compatible with existing infrastructure (mobile and PC) with additional banking services – including P2P loans and automated investments. Voisicard combines military grade voice biometry, state-of-the-art cryptography and sophisticated machine learning techniques delivering industrial-grade financial and customer intelligence product. Technically Voisicard is a middleware product designed to connect Telco’s billing and banking account. Interoperability between multiple Telcos is available via cryptographic protocol powering payment platform. As of July 2015 Voisicard is in beta development stage with fully developed roadmap and production-ready front-end solution compatible with mobile and PC devices. Back-end and integration with telco billing is on final stage. Deployment is ongoing with MVNO launching in 12 European and Asian markets in late 2015.

1. 1/21
VoisiCard
Full Stack Banking Solution for Telcos
voisicard.com
Transfer money
as easy as
instant messaging
No bank fees

2. 2/22
voisicard.com
We are software
company.
No bank licenses
needed

3. 3/21
What it is
Payment system Payment platform
Platform — is a base of technologies on which
other systems and products are built.
International money transfer International money transfer
Loans
Savings
Customer Intelligence

4. 4/21
AT&T
Vodafone
Bharti Airtel
SoftBank
China Mobile
VoisiCard employes distributed public ledger connecting
telcos’ billing systems
Telcos have ability to transfer funds directly from billing to billing in real time
cross borders at mid-market rate
How it works

5. 5/21
User in USA
AT&T
Vodafone
Bharti Airtel
SoftBank
China Mobile
User in UK
User in India
Company in China
Company in Japan
VoisiCard optimizes number of bank transactions between
telcos & collects customer intelligence
For N operators N–1 settlement bank transactions at most
For example for 5 telcos only 4 bank transactions
How it works

6. 6/21
How it works in details
Authorisation $0.5 $0.5 $0.5
AT&T
billing
VoisiCard
Distributed
Public
Ledger
Daily Transactions Volume between AT&T and Telstra
Single settlement bank transaction for $2200 from AT&T to Telstra
Alice Bob
Hold Alice funds:
$0.5 payment
$1000
$800
$2000
Add Bob funds:
$0.5 payment
from Alice
Telstra
billing

7. 7/21
How it works in more details
How transactions are setteled?
Alice Alice Alice
Carol Carol Carol
Dan Dan Dan
Bob Bob Bob
Carig Carig Carig
Erin Erin Erin
$0.5 $6 $60
$900,000 $10,000 $1
$856,789
IOU $43,210.5
from UK to US
IOU $3,572.5
from IN to UK
IOU $44,388.5
from IN to US
IOU $46,783
from IN to UK
Optimizing IOUs:
2 bank transactions instead of 9
IOU $1,178
from IN to US
$56,789 $1,239

8. 8/21
How TransferWise Works
Alice from US sends $0.5 to Bob in Australia
1. Money moved from Alice to
TransferWise US bank account
2. TransferWise
uses Currency Cloud
for FX and international
money transfer
3. Currency Cloud updates own
accounting records
4. Currency Cloud adds
money to TransferWise
Australian bank account
5. TransferWise sends money to
Bob's Australian bank account
$0.5 + fee $0.5
$0.5 + fee $0.5 + fee
TransferWise takes 4 bank transactions to move money

9. 9/21
USe case: P2p
AT&T and Verizon set transaction fees for their subscribers
Just like Intercarrier SMS works

10. 10/21
USe case: B2C
AT&T sets incoming transaction fees for their corporate subscribers
Just like payment system does

11. 11/21
USe case: Remittance
AT&T and Telmex set remittance fees & exchange rates for their subscribers
Just like money transfer company does

12. 12/21
Payment Type
Bank Payment
Not user friendly
+
Direct Telco Billing
User friendly
No 3rd
parties
No bank fees for Telcos
Credit/Debit Card Billing
3rd
party systems with fees
& monthly payments

13. 13/21
3rd
Party Belongs to Telco
Ownership

14. 14/21
Capital Expenditure
Software
Specialised Hardware
Integration costs
Non-capital Investment
PC-grade Hardware
Integration costs
Investments

15. 15/21
Centralized & Proprietary Distributed & Open-Source
Infrastructure

16. 16/21
B2C & P2P B2C, B2B, P2P
Payments

17. 17/21
Transaction Cost value for Telcos
Non-free Free

18. 18/21
Fraud Prevention
Data Analysis Data Analysis + Voice Biometrics

19. 19/21
Revenue Streams for Telcos
Payment Fees Payments Fees
+
Additional financial products:
P2P Loans,
Algorithmic Investments,
Customer Intelligence

20. 20/21
Revenue example: Fees
Annual average american
citizen total spendings:
20,400 USD*
Existing annual telco
revenue per person:
732 USD**
Projected annual telco revenue
per person with VoisiCard:
1212 USD
=
* Annual expenditures per person, 2013: bls.gov/news.release/cesan.nr0.htm
** Average annual spending on cell phone bill, 2013: wsj.com/news/articles/SB10001424052702304704504579429592281584078
Transaction fee 2 %
732 USD
+
480 USD

21. 21/21
Revenue example: Remittances
4.46
Sending 200 USD from US to Mexico
8.92 <1h
SERVICE
TOTAL COST
PERCENT (%)
TOTAL COST
(USD)
TRANSFER
SPEED
Delgado Travel
3.16 6.32 Next dayViamericas
3 6 InstantVoisiCard
Information provided by remittanceprices.worldbank.org/en/corridor/United-States/Mexico