This is presentation for Ministry of Economics in Japan.

1. Online Payment for Everyone
Thailand
Japan
Singapore
Indonesia
2016 > Malaysia / Philippines / Vietnam / Hongkong
2016_Jan © Omise Pte. Ltd.,
第8回 FINTECH研究会
Founder / CEO
Jun Hasegawa
海外におけるFinTechの動向、日本への示唆・連携の可能性

2. About Omise
2016_Jan © Omise Pte. Ltd.,
We did not begin operating as a “FINTECH” payment company.
In Japanese, Omise means ‘shop’ or ‘store’.
E-commerce (social-featured) Platform Online Payment Gateway Platform
One huge setback we encountered is that Thailand lacked a sophisticated payment gateway
to support our planned finish product.

3. About Omise
2016_Jan © Omise Pte. Ltd.,
mission
Online Payment for Everyone
We feel strongly that payment is for everyone.
Accepting payment online should be a right, not a privilege.
HOW?
Geography Product Portfolio
sudo
New Infrastructure

4. About Omise
2016_Jan © Omise Pte. Ltd.,
Omise will become the one-stop
payment gateway service for ASIA.
Simple registration
Easy integration
Awesome dashboard
Robust security
Localized Alternative
Payment Methods (APM)
No downtime
cloud base infrastructure
New generation of
Payment infrastructure

5. About Omise
2016_Jan © Omise Pte. Ltd.,
“15 most funded FinTech startups in Southeast Asia”
- Tech in Asia -
“13 Asian Startups To Watch In 2016”
- TechCrunch -
Our investors
2013 2014
Development of
e-commerce platform
June
Pivot towards developing
a payment gateway
Aug
First prototype payment gateway
launch at ECHELON THAILAND
Sep
Live closed beta test
Dec
2015
Apr
SERIES A
Funding
Jun
Incorporated
in Singapore
and Japan
Dec
Incorporated
in Indonesia

6. Definition of FINTECH in ASIA
2016_Jan © Omise Pte. Ltd.,
Government
Financial
Institutions Technology
- Regulatory
- Law
- License
- Payment infrastructure
- Pay in and out portal
- System infrastructure
- New payment methods
- Implementation connectivity
FINTECH
In Asia, regulations is one of the biggest obstacles FinTechs face.
The other, is the financial institution connectivity barrier. However, both parties
(the government and financial institutions) have immensely contributed and become more
involved with technology, working to create a sufficient FinTech environment.

7. Market differentiation
2016_Jan © Omise Pte. Ltd.,
21%
22%
37%
10%
11%
33%
8%
27%
Example: A Forecast of 2019’s payment type to market differentiation ratio
Credit Card
Debit Card
eWallet
Others
Credit Card
eWallet
Bank Transfer
COD
Others
US Market SEA Market
The graph represents the difference in people’s payment behaviour.
It demonstrates the opportunity of localised payments.
Debit Card
*Global payment report 2016 *Global payment report 2016
Plastic card - Cashless Society Countries with localised payment

8. Market opportunity
2016_Jan © Omise Pte. Ltd.,
B2C Market size
$673Billion
*Global Asia E-Commerce Report 2015
In 2016, Southeast Asia’s market is expected to become larger than the whole US market.
Growing at a double digit %
P2P Payment Market size
$20Billion
*VISA research
Markets are growing rapidly despite obstructions.
Obstacles in Asia’s Market
- Half of the population still don’t own a bank account
- Low number of credit card holders
- Restricted by regulations
- Unreliable infrastructure
- Remittance across the region

9. Market opportunity
2016_Jan © Omise Pte. Ltd.,
Ideal Financing Solutions for Asia’s Market
HR Technology Accounting
O2O
Mobile payment
Each country has different HR
regulations such as tax,
payroll, insurance etc.
With corporates expanding
across the region, there’s
high demand of accounting
SaaS providers.
There’re people who own
smartphones but don’t own a
bank account.
What if carriers could provide
eWallet that comes with a
card? We’d be able to
facilitate people’s daily lives
and, at the same time, aim
towards forming a cashless
society.

10. Future payment
2016_Jan © Omise Pte. Ltd.,
Businesses
Card brands
Banks/Stocks
Consumers
The FUTURE of global payments.
Technology has the potential of solving current complications in network infrastructures, but without
co-operation from the government sector and financial institutions things will be tough.
Eventually synthetic intelligence will takeover humans and retain the consistency of the financial world.
Decisions made will be by the most consistent AI technology; leaving out possibilities of human errors and promoting fairness.
Corruption will be non-existent.