Dubai Presentation

Mobile Money Global Conference & Expo Intercontinental Hotel, Dubai November 1-2, 2011

Emerging Markets ,[object Object],[object Object],[object Object],[object Object],[object Object],Emerging Markets Pose Unique Challenges ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Several Countries All countries are different but share similar issues for M-Money/M-Payments

MNOs Agent Networks Link Users And M-Money Providers TECHNOLOGY – TELECOM INFRASTRUCTURE MNO’s BANKS UTILITIES REGULATORS AGENT NETWORK

Agents Face Certain Limitations To Be Solved By Distributors An efficient and large agent network requires a large capital investment and commitment to address all challenges To Be Effective In M-payment/ M-money - You Need Agents Big Cash Collection Effort Training for Agent Employees New Products Limited Working Capital Large Disbursed Sales Force Low Margin Products Small Transaction Amounts Lack of Technology At Point of Sale

Movilway decided to leverage Air time top up to build a network Movilway’s distribution network will reach 14 countries and 325,000 POS in 2012 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],El Salvador Costa Rica Venezuela Colombia Brazil Uruguay Argentina Chile Peru Ecuador Panama Nicaragua Guatemala Mexico USA Dominican Republic Pto. Rico

Regional super agent offers several advantages ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Movilway Strategy Build an electronic payment network targeted to the unbanked population Agent by Agent- Distributor by Distributor PHASE 1 ,[object Object],[object Object],[object Object],[object Object],PHASE 2 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],PHASE 3 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

So how we address these issues…

Agent Support Is Essential Agents need to be supported by a reliable Back Office, Call Center and a Strong Collection Work Force ,[object Object],[object Object],AGENT ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Call Center

Technology Has To Be Available And Easy To Use Technology at the point of sale is a key enabler of Mobile Money ,[object Object],[object Object],[object Object],[object Object],[object Object],Monitoring ,[object Object],[object Object],[object Object],Low Cost POS ,[object Object],[object Object],[object Object],[object Object],[object Object],Support Platform “ State of Art” ,[object Object],[object Object]

Working Capital ELECTRONIC PAYMENT PRODUCTS Generate foot traffic and high levels of revenue But they have low margins and agents prepay these products as often as they can not to tie up liquidity ,[object Object],[object Object],[object Object],[object Object],THE SOLUTION: Finance the Agent Microfinance Institutions Banks Agent

Sales Margin Profit Regular Product Top Up $225 $1,000 20% $200 $500 5% $25

Sample Solutions- UNIVERSITY ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Acquire merchants / Acquire students / Acquire services - Wallet

Conclusion ,[object Object],[object Object],[object Object],[object Object]

Dubai Presentation

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Dubai Presentation