Telenor easypaisa service has come to the rescue!!!! In areas with limited access to regular banking services and the Internet, people can use their mobile phones to transfer money – anywhere, anytime. ...

1. easypaisa - money.transfer
Anybody - Anytime – Anywhere
Omar Moeen Malik
Manager Financial Services
20th Nov 2009

2. Agenda
 About easypaisa
 money.transfer product
 Customer benefits
 Target Market
 Product Pricing
 Product Details

3. About easypaisa
 Pakistan’s First Branchless Banking solution
 Providing the un-banked population with
accessible financial services
 The innovative product umbrella of easypaisa
will provide complete convenience and
empowerment to the people of Pakistan

4. Introducing money.transfer!
 Any person can send and receive money
to/from their family, friends, etc from any
easypaisa Merchant in the most efficient,
secure and convenient way
 Not limited to Telenor subscribers or other
mobile operator subscribers. Even people
with no mobile phones can use this service!!
 No registration is required to use this product

5. Customer Benefits
 Convenience
 More than 4000 outlets
 Late working hours/Holidays
 Security
 GSM standards security
 Instant SMS confirmation messages
 Instant Transaction
 Not restricted to Telenor subscribers
 24/7 Customer Support

6. Target Market
 Any and All Domestic Remittances Users
 Any Pakistani (e.g. Migrant Workers, Household Staff,
Drivers, Guards, etc) sending Monthly Salaries home to their
families from Urban Cities to Rural Villages
 Parents sending funds to their children at educational
institutions in other cities for tuition fee, monthly pocket
money etc
 Frequent Travelers who don’t want to carry cash using this
service as Travelers Cheques by sending money to
themselves from one city and collecting the money in
another city

7. Product Pricing
 6 simple slabs for the customers with prices stated upfront
 No hidden charges
 Transactional Limits (SBP regulations):
• At most 3 transactions per month
• Rs. 10,000 per month sending and receiving
money.transfer Pricing Table
Slab Start Slab End Fee (Rs.) FED (16%) Total
0 1000 50 8 58
1001 2500 100 16 116
2501 4000 150 24 174
4001 6000 200 32 232
6001 8000 250 40 290
8001 10000 300 48 348

8. Pricing Details
 How will the fee be deducted for a Money
Transfer?
 Fee for the transaction (including taxes) will be charged on
top of the Money Transfer amount
 Fee will only be charged to the Sender and not the Receiver
 Example:
 A person who wants to transfer Rs. 1000 to another person would end up
paying Rs. 1000 + 58 to the Merchant (where Rs. 50 = Money Transfer fee
& Rs. 8 = taxes).
 Receiver does not need to pay anything and will be able to pick up Rs.
1000 from any easypaisa Merchant.

9. What’s required for money.transfer?
 The Sender needs to bring:
 original, valid Nadra CNIC and a photocopy
 Receiver's CNIC number
 Sender to enter a 5-digit secret transaction pass-code
during sending
 The Receiver needs to bring:
 original, valid Nadra CNIC and a photocopy
 Transaction ID (system generated)
 5 digit secret transaction pass-code (entered by Sender)
 Sender and Receiver’s Phone Numbers are optional

10. Sending Process Complete
 Sender has to collect a filled out, stamped Receipt
from the Merchant for his records - Mandatory

11. Confirmation Messages on Sending & Receiving
Sender receives Merchant receives Receiver receives
a SMS from 3737 a SMS from 3737 a SMS from 3737
Trx ID 90772. You have Trx ID 90772. Please Trx ID 90772. CNIC
sent Rs. 2000 to CNIC collect Rs. 2116 from the 6110165267929 has sent
4220365267929.The fee customer. Rs. 2000 have you Rs. 2000. You can
for this transaction is Rs. been sent to CNIC withdraw/collect this
116. Please pay Rs. 2116 4220365267929 and your cash from any easypaisa
to the merchant new MWallet balance is merchant by giving your
Rs. 17926 CNIC, Trx ID and
transaction Passcode

12. easypaisa Locations
 Where can customers send/receive Money from?
 All Telenor Sales & Service Centers (24)
 All Tameer Bank Branches (30)
 All Telenor Franchises (232)
 All easypaisa Retailers (4117)
easypaisa Info Services*
(for Telenor subscribers only)
Send a SMS with text “ep” to 3737
- Find Nearest Merchant
- Find Merchants by City
www.easypaisa.com.pk

13. Customer / Dealer Support
 24 / 7 Help Line for Customers and Merchants
 Help Line for Telenor Customers (345)
 Help Line for non-Telenor Customers (111-345-100)
 Help Line for Merchants (345-545)

14. Q&A