This document describes a service that allows secure money transfers via feature phones through SMS or IVR calls. It offers free transfers using UPI linked phone numbers. Transactions are validated through interactions with bank servers. The service aims to target feature phone users but will also serve smartphone users. It plans to generate revenue through advertisements inserted into IVR call buffers and SMS confirmations. Advertisers can create merchant profiles to upload and target ads to customers searching the service's ad portal. The goal is to build an affordable advertising platform for small and large businesses to reach new markets.

1. EASY TRANSFER
SAFE & SECURE TRANSFERS VIA FEATURE PHONES

2. EASY TRANSFER PROCEDURE
1) Initiates via IVR Call/SMS 2) Our database then bank
servers for validation of
transaction
3) Reaches receivers bank via
UPI linked phone number

3. EASY TRANSFER: PROCESS VIA IVR CALL
CALL THE IVR NUMBER,
ENTER RECEIVERS " UPI MOBILE NUMBER" ENTER "AMOUNT" ENTER "PASSWORD"
***TRANSACTION DONE***

4. EASY TRANSFER: PROCESS VIA SMS
TYPE SMS
"UPI MOBILE NUMBER" <SPACE> "AMOUNT" <SPACE> "PASSWORD" SEND TO PORTAL
NUMBER
***TRANSACTION DONE***

5. COST OF SERVICES
 Are Services free: Yes, as UPI transfers are free
 Do we charge: No
 How do we earn: We earn through "Monetization"

6. REVENUE MODEL
 We will still make money by providing services for free, as
we will monetize the services in the below manner
 Revenue via Call: Whenever a customer calls for a transaction
and after entering details, during the validating buffer time we will
play 5-10 seconds ads which will generate revenue for us
 Revenue via SMS: Whenever a customer does a SMS
transaction the OTP & confirmation SMS will have
advertisements as a suffix which will generate revenue for us

7. WILL WE CATER TO SMART PHONE USERS?
 We targeting the feature phone audience
doesn’t mean we miss out on smart phone
users
 We will keep the services free to them as
well, in fact they can either do online or
offline transactions
Offline transactions are the safest
transactions as hacking them is almost
impossible, as there is no internet involved

8. TYPE OF
USERS
1. Consumer: Could be a feature phone
or a smartphone app user, doing
online or offline transaction is his
choice
2. Business merchant: Shop keepers
and businesses can accept payments
3. Advertising merchant: Are the ones
who advertises on our platform

9. MONETIZATIO
N
"The action or process of
earning extra revenue from an
asset, business, etc,. is called
as Monetization."

10. MONETIZATION DEMAND
Businesses generally spend around 1-100 Rupees or
more on a single digital advertisement depending upon
below factors;
 Product
 Type of advertisement(audio, video, text, image)
 Number of competitors bidding for advertisement
 Specified area or Location
 Peak hours etc,…
“Customers making call/SMS transfers & each bringing
advertisement revenue through different channels, it is
still a good revenue isn’t it?”

11. OUR ADVERTISING PLATFORM
Our platform will
allow
"A whole new market of Affordable advertising
for small, medium and large businesses to be
created.”
Our platform will allow small, medium and
large all kind of businesses to prosper by
taking them to deeper markets

12. AFFECTIVE
ADVERTISING
PLATFORM
1. Precise target audience
2. Affordable pricing with
diminishing pricing model on
repetitive viewing by same user
3. Affective sales pitch to generate
affiliate sale

13. MERCHANT PROFILE
Creates his ad type – Audio, Video or image
Uploads on our server
Chooses his audience type and location
Buys ad package and good to go

14. OUR AD PORTAL
 A portal where every user can search for their own preferred
products by themselves
 All the merchant ads registered with us would be listed on the
portal
 Customer can search for what he is looking for
 Example: If Customer is looking for a saloon nearby, he will
search saloon and he will find the list of merchants registered
with us near him. In this way he is not waiting for an
advertisement to come up, he is searching for his need, which
also creates affiliate revenue for us.

15. OTHER REVENUE OPTIONS
For smartphone App customers we will provide myriad of services, where we get
paid from people who are selling services and accepting bills through us
Example:
 Utility bills
 Movie tickets
 Mobile phone recharge
 Cell phone launches
 School, College fees
 Bus, Flight tickets
 Flash sales by Amazon and Flipkart etc,.
 Pretty much every possible service

16. USP & ODDS
Unique Selling point
 Current gen payment apps lack feature phone penetration technology
 They are crippled without internet
 We will disrupt that market by carrying along smartphone users and make this a global business
model
ODDs
 We are creating a customer base In a space where no one has tried to penetrate before, hence
we will have early advantage in acquiring customer base initially.

17. THANK YOU
NOUKADGOUTHAM@GMAIL.CO
M
NOUKAD GOUTHAM FOUNDER
BUSINESS ADMINISTRATION UNIVERSITY OF WARSAW
FOUNDER AT HEALTHY WEALTHY.CO,
(WENT TO USA AND EUROPE TO DO BUSINESS ADMINISTRATION & MANAGEMENT THROUGH
REPUTED SCHOLARSHIPS)
MANISHA CO-FOUNDER
AERONAUTICAL ENGINEER
(CO-FOUNDER HEALTHY WEALTHY.CO, CONCEPTUALIZED A SUCCESSFUL HEALTH FOOD
BRAND)
WOJIECH KURYLEK MENTOR & STRATEGIC
PARTNER FOR EUROPEAN MARKET
PROFESSOR UNIVERSITY OF WARSAW, RUNS BUSINESSES IN MULTIPLE COUNTRIES