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  1. 1. TATVAM TECH SYSTEMS PVT LTD Leveraging Technology Solutions for better Productivity Attractive Price points Suited to Corporate and Individual Needs
  2. 2. Promoters Background• We at Tatvam come together with diverse experiences – CxO-level Executive • 35 years of Corporate Experience • Forte’ in Management and Marketing – Serial Entrepreneur • 6 years International Work experience • Worked with companies in the US, Nepal, India and Australia • Influences and insights to business and customer needs – SaaS-based solution expert in Sales and Licensing • 3 years of IT experience • Solutions for SMEs across South East Asia and Asia Pacific • Forte’ of relationship building with Channel Partners and Service Providers – Banking and Finance Executive • Forte’ in Financial Compliance and Corporate Governance • Customer Relationship Management  2010 Tatvam Tech Systems Pvt Ltd
  3. 3. Tatvam’s Offering BILLBHAROAn Electronic Payment Collection Platform for Businesses  2010 Tatvam Tech Systems Pvt Ltd
  4. 4. Issues with Current Methods Issues with Traditional Methods of Payment Collections Cash handling  Accounting issues  Unsafe  Amount collected might not be equal to Amount billed Cheque handling  Delays in encashment  Physically need to visit the Branch/ATM for depositing the cheques  3 days to clear from time point of drop to the Bank  Loss of cheques a possibility  Lost cheque / Bounced cheque charges incurred by Business/CustomerElectronic modes /  Credit Card mostly offered  Cost to integrate and setup is substantialPayment Gateways  Reconciliation still to be carried out by Business  2010 Tatvam Tech Systems Pvt Ltd
  5. 5. BILLBHARO’s Value Proposition• No Cash Handling• Faster Realisation of Funds• Safe and Secure Payment Platform• Multiple options to receive payments for your Business – Payment Modes : Net Banking + ECS Debit + Credit Cards + Debit Cards + Cash Cards / Prepaid Cards – Payment Avenues : Internet + IVRS (Multi-lingual) + Mobile Internet*• Cost Effective Pricing Model, ZERO Setup Cost• Monies are credited into your designated account; complete with reconciliation reports• An additional method of Collection NOT an attempt to replace/remove current payment collection  2010 Tatvam Tech Systems Pvt Ltd
  6. 6. Possible Areas of Payment Collections1. Monthly / Quarterly / Annual Subscription Charges from Customers2. Monthly / Quarterly / Annual Usage3. Incidentals4. One Time Costs5. Others  2010 Tatvam Tech Systems Pvt Ltd
  7. 7. Advantages to Businesses1. Amount Billed = Amount Collected : No Cash Interface2. Ease of collection and processing of payments3. Faster realisation of funds (3 Business Days at Max)4. No Cheque Loss5. Reduction in Accounts Receivables cycle6. Cost reduction on account of Administration and Collection7. Receipt of payments directly into designated Bank Account8. Ability to receive payments via multiple channels9. Can be used by Biller to pay its Suppliers, Vendors, Businesses and/or other Service Providers10. Electronic and Secure Record of all transactions11. Eco-friendly12. Value – added Service to Customers  2010 Tatvam Tech Systems Pvt Ltd
  8. 8. Advantages to Customers1. Pay in a few Clicks.2. Saves Time, Money & Resources involved in making Payments3. Safe and Secure Payment Platform4. No Cheque Loss and Lost/Bounced Cheque charges5. Payment to Service Provider via a channel comfortable to Customer a) Channels include – ECS Debit, Credit Card, Debit Card, NetBanking, Cash Card b) Methods include – Web, IVR, Mobile Internet*, Mobile Application*6. Continue accruing your Mileage/Loyalty Points on using your Cards7. Freedom to Choose the channel(s) of payment for your bills8. Electronic Records of all transactions9. Reminder for Bills to be paid10. Biller Wishlist – you choose billers we should be add* !11. Transact in your mother-tongue*!12. Dedicated section for NRI Customers* (*coming soon)  2010 Tatvam Tech Systems Pvt Ltd
  9. 9. Costs Involved Cost to the Business: ZERO SETUP COST +NOMINAL FIXED MONTHLY FEE + PER TRANSACTION FEE  2010 Tatvam Tech Systems Pvt Ltd
  10. 10. Costs Involved Cost to Customers:NOMINAL CONVENIENCE FEE PER TRANSACTION  2010 Tatvam Tech Systems Pvt Ltd
  11. 11. Financial Tie Ups AREA OF TIE UP PARTNER CHOSEN RBI ECS Debit Facility Greater Bombay Cooperative Bank NetBanking HDFC Bank, ICICI Bank, Axis Bank, IDBI Bank, CitiBank, Corporation Bank, J&K Bank, Karnataka Bank, Yes Bank, Laxmi Vilas Bank State Bank of India, Bank of India, Kotak Bank, Union Bank of India Credit Cards IDBI Payment Gateway Debit Cards IDBI Payment Gateway Prepaid Cards IDBI Payment Gateway TimesOfMoney – Klinnk Portal Development Cyberlinks Technologies Pvt Ltd IVRS Atom Technologies LtdMobile Application / WAP Cyberlinks Technologies Pvt Ltd  2010 Tatvam Tech Systems Pvt Ltd
  12. 12. THANK YOU Contact Details TATVAM TECH SYSTEMS PRIVATE LIMITED Gurgaon Mumbai A 562 G A 1607/8 Ashok Towers Sushant Lok Dr Babasaheb Ambedkar Rd Phase 1 ParelGurgaon 122 002 Mumbai 400 012 +91 983 377 7227 +91 992 071 7371 +91 124 257 4247 +91 22 2415  2010 Tatvam Tech Systems Pvt Ltd