Obopay has developed a mobile payment platform that allows users to transfer money, pay bills, and make purchases using their mobile phones. The platform supports various mobile technologies and can integrate with existing banking and payment infrastructure globally. Obopay sees opportunities to expand its services to new markets and use cases, such as mobile money transfers, merchant payments, and interoperability between countries.
Studied technology involved in E-Wallets and how it helps in payment process,market place model, revenue generation of Paytm,its marketing strategy,demonitisation and its after effects.
Studied technology involved in E-Wallets and how it helps in payment process,market place model, revenue generation of Paytm,its marketing strategy,demonitisation and its after effects.
The pdf is a part of a presentation at IIM Raipur on the case - " I can live without money but cannot live without E-wallet". The document tells about the industry standards of e-wallet system in India and also discusses the growth of the same in recent era because of demonetisation.
Cost and Features to Develop e-wallet Mobile AppTarun Nagar
Today the businesses are widely using the e wallet mobile app and replacing the need of carrying the cash. If you own a retail business, It is advised to contact mobile app development company, but always keep the trio of effort, risk and cost at perfect balance.
Know More: https://devtechnosys.com/ewallet-app-development.php
Introduction of E-Wallets, its types, Advantages,Disadvantages, Examples of E-Wallet,Needs of E-Wallet, Top E-Wallets in World and in India, Description of Mobikwik, its Steps, Architecture of transfer between two wallets, About Paytm, How does Paytm Earn, Recharge on PayTm, Steps to use Paytm, Web Technologies of Paytm, Good at Paytm and Bad at it, Our own proposed system to overcome the disadvantage of existing system
Mobile Wallets in India: Growth OpportunitiesFiras Durri
An overview of features to drive growth in mobile wallets (social payments, instant purchases, personalized offers, balance coupons) and expansion opportunities into market categories: consumer app, rural economy, data and finance.
Mobile wallets have made it easy to carry out online shopping payments, online utility bill payments, mobile recharge online, DTH recharge online, online bus / movie ticket booking.
In India there are options like Paytm, Mobikwik, Vodafone M-pesa, Chillr, Free-charge, Airtel Money, Oxigen etc.
The document is an attempt to give insights into digital payments space on the whole. It describes the different payment scenarios or methods and how the underlying technology works. Topics covered - NFC;;contacless payments;Mobile Payments;smart cards chips technology;apple pay;Card operating system
Mobile Money in Indonesia: Landscape and Developments, 2015Jeffrey BAHAR
History, development of mobile money in Indonesia with detail analysis on its functionalities, segments served, service providers. Presented in Mobile Wallet 2015 Workshop, August 2015
The presentation focuses on the weekly highlights of Mcommerce, Mbanking sector with the future trends, growth & latest developments of mobile money market globally.
The pdf is a part of a presentation at IIM Raipur on the case - " I can live without money but cannot live without E-wallet". The document tells about the industry standards of e-wallet system in India and also discusses the growth of the same in recent era because of demonetisation.
Cost and Features to Develop e-wallet Mobile AppTarun Nagar
Today the businesses are widely using the e wallet mobile app and replacing the need of carrying the cash. If you own a retail business, It is advised to contact mobile app development company, but always keep the trio of effort, risk and cost at perfect balance.
Know More: https://devtechnosys.com/ewallet-app-development.php
Introduction of E-Wallets, its types, Advantages,Disadvantages, Examples of E-Wallet,Needs of E-Wallet, Top E-Wallets in World and in India, Description of Mobikwik, its Steps, Architecture of transfer between two wallets, About Paytm, How does Paytm Earn, Recharge on PayTm, Steps to use Paytm, Web Technologies of Paytm, Good at Paytm and Bad at it, Our own proposed system to overcome the disadvantage of existing system
Mobile Wallets in India: Growth OpportunitiesFiras Durri
An overview of features to drive growth in mobile wallets (social payments, instant purchases, personalized offers, balance coupons) and expansion opportunities into market categories: consumer app, rural economy, data and finance.
Mobile wallets have made it easy to carry out online shopping payments, online utility bill payments, mobile recharge online, DTH recharge online, online bus / movie ticket booking.
In India there are options like Paytm, Mobikwik, Vodafone M-pesa, Chillr, Free-charge, Airtel Money, Oxigen etc.
The document is an attempt to give insights into digital payments space on the whole. It describes the different payment scenarios or methods and how the underlying technology works. Topics covered - NFC;;contacless payments;Mobile Payments;smart cards chips technology;apple pay;Card operating system
Mobile Money in Indonesia: Landscape and Developments, 2015Jeffrey BAHAR
History, development of mobile money in Indonesia with detail analysis on its functionalities, segments served, service providers. Presented in Mobile Wallet 2015 Workshop, August 2015
The presentation focuses on the weekly highlights of Mcommerce, Mbanking sector with the future trends, growth & latest developments of mobile money market globally.
Join Ian Michiels, Principal Analyst at Gleanster Research for a primer on the terms, metrics, process, tools and tactics marketers need to understand and adopt as they increase their emphasis on lead generation.
Mobile Payments: What global lessons can we bring back to the U.S.?Menekse Gencer
This presentation was given by Menekse Gencer at the Commonwealth Club of San Francisco on July 23, 2012 as part of the Mobile Payments Series Initiative(TM) produced by mPay Connect. There were approximately 90+ attendees. For more information regarding the consulting services of mPay Connect, please visit: www.mpayconnect.com or contact us at: info@mpayconnect.com The audio recording of this presentation can be found here: http://soundcloud.com/mpayconnect/sounds-from-monday-evening
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
Emerging Payments: Understanding and Leveraging the Opportunities (Credit Uni...NAFCU Services Corporation
As we all know, the payments landscape is changing. EMV is here. Mobile payments are growing and mobile sales in the U.S. are expected to increase at a 68% compounded annualized growth rate over the next five years. This session will provide you with an understanding of the impact and value these initiatives can bring to your credit union. Learn how to leverage the opportunities with key data and actionable take-aways for implementing a successful emerging payment strategy. More info at: www.nafcu.org/discover
[MobileMonday Switzerland #2 : Mobile payments and banking.]
Simon Cavill is an acknowledged industry expert in mobile phone, payments and digital broadcasting with over 25 years of industry experience and a raft of patents to prove it. As the CTO of Mi-Pay, Simon was instrumental in the creation and development of this company from start-up to a mature mobile payments business with operations on four continents.
http://www.mi-pay.com/
Similar to Obopay syncs Mobile payments into the Financial infrastructure (20)
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
2. Mobile Payment: Market Segments
% of Payment Volume by Market Segment % of Payment Volume by Market Segment
2009-2010 2014
• Mobile Money (Wireless Money):
- Fastest growing in emerging markets where low bank and card usage. (mPesa, Obopay)
•Digital Content (Carrier Billing)
- High growth but economics (fees and payment timing) make it difficult to scale to other segments.
•Retail Acceptance (NFC)
- New and traditional actors providing solutions. Long roll out. (Visa, Isis, Square, Verifone)
Source: NFC Value According to Juniper. Digital Value: According to Gartner. Mobile Money Value: Credit Suisse Mobile Industry Overview
Obopay Confidential 2
3. Retail Electronic Payments in India 2009-2010
(RBI) No. 9A: Retail Electronic Payment Systems (in Millions)
Electronic Clearing Services (ECS) Card Payments#
National Electronic
Total Electronic Funds Transfer
Month/ Year Payments NECS/ECS (Credit) ECS (Debit) (NEFT/EFT) Credit (18.3mn Cards) Debit*(181mn Cards)
1 2=(3+4+5+6+7) 3 4 5 6 7
Number Amount Number Amount Number Amount Number Amount Number Amount Number Amount
2009-10 718.16 $ 152,197 98.13 $ 26,136 149.28 $ 15,450 66.34 $ 91,002 234.24 $ 13,739 170.17 $ 5,871
Consumer Expenditure in 2010 $952 Billion
Electronic Payments in 2010 $152 Billion
Cash Payments in 2010 $ 800 Billion
GDP in 2009-2010 was $1.430 Trillion
Obopay Confidential 3
4. Obopay Has leveraged Bank and Payment
Infrastructure Globally
Obopay’s strong partnerships, best of breed functionality and differentiated
technology will enable it to begin rolling-out of its services around the world
Obopay Confidential 4
5. Product Evolution
Classic P2P Initial Obopay Advanced Obopay Mobile Payment Solutions Today
Obopay Obopay Obopay
User User User
Prepaid Card Indirect Direct Wireless
Internet Prepaid Payment Payment
Banks Banks Carriers Internet
Card Networks Processors
Merchant ATM
Business Government ATM Merchant
Obopay Non- Obopay Non-
Obopay
User Obopay User Obopay
User
User User
Obopay Confidential 5
6. Mobile Money Service
Payment Handset Banks Telco’s Retailers Insurance Small Non
Providers Business Profits
Countries Capabilities
India Casual
P2P All phones
Load, link or transact Commerce Transact or unload
Kenya
Multi-
US network
Out of
Bank Bank
Senegal Cash
Acct Card Obopay Retail (POS E/M Obopay Cash
Acct Card network
and mPOS) Commerce
payments
+4 Very low
cost model
Topup, Bill
Pay Mobile
Check
Obopay has built a unique, hard to replicate platform and mobile technology to service
payment transactions across use cases, markets and geographies
6
7. Mobile Money Technology Leadership
Mobile Assets Innovation Framework Universal Payments
Universal Access New use cases quickly and Master Transaction Account/
Consistent Experience efficiently Paypal model
Mastered Security Packaging Link/transact to bank accounts,
Embedded in web and other Branding cards, payment networks
applications Processing Rules Create multiple options for
payment arbitrage
Great User experience Collaboration with external
systems Bridge Payment ecosystems
and prepaid mobile account
option
Mass Market Drive volume/ Create Largest
Offerings profitability Network Effect
Obopay Confidential 7
8. Case Study: US
Market Market Mobile prepaid and Virtual Money
opportunity Youth and families
SME short term, longer term Retail
M-commerce
Donations
Market Send money anytime/anywhere instantly
Needs Load/unload funds instantly from accounts
Request payments from peers, clients
Text to donate from bank or card
Top up, bill pay, buy online
Vertical solutions (disbursements)
Obopay Solution Instant money transfer to anyone including
direct from bank account and cards
solution
Get Paid for SME
Web and mobile checkout, Facebook
widgets, Social Short codes
Prepaid accounts and cards
Deployment Mobile Money as a service for MasterCard,
Banks, Insurance, Major Retailers
Domestic
Cross border to Mexico
Opportunity M-commerce, ecommerce, wallets
International Remittances
Long term retail
8
10. Strategic Partnership : FIS Global
Payment
Processors
When : 2008 Strategic Partnership
Why FIS Global:
Largest technology provider to Financial Industry
Payment processing, online banking, bank back-office
Services 14,000 Banks
What : People Pay by Obopay
Obopay is providing its platform to FIS banks with
customized branding, terms
Obopay operates the platform
How : Go-to-market
Non exclusive agreement
Distribution to community and regional banks
FIS sales force
FIS and Obopay are bringing a rapid deployment solution
for Mobile Money to U.S. banks
Obopay Confidential 10
11. Debit network support
Star & NYCE
• Obopay added support for PIN-less debit and credit with STAR and
NYCE.
• Obopay’s suggested retail price for crediting a debit card is $.50 to
$50, above $50 is 1% with cap of $1
• Utility: Pay a person, the recipient gets immediate credit to their NYCE, STAR prepaid
card or NYCE/STAR connected DDA.
– Use case 1: transfer money to your child’s or another person’s bank account immediately
– Use case 2: Collect card payments with immediate, spendable money on your prepaid card or bank account
– Use case 3: Immediate funds transfer between your bank accounts immediately
– Use case 4: cheap and immediate p2p payment funding
Debit Network
Debits as a reseller
Debit card funded payments only
provide for cheaper…
Next day
settlement
Immediate, spendable money
Debits Debit
And networks
credits
or
Obopay Confidential 11
12. Get Paid for Business and Non-profit
Donate Now
Text UWCV to 48510
Obopay Confidential 12
14. Case Study: India
Market Market 693 MM adults, 584 MM subscribers,
opportunity 41% unbanked
Annual consumer spending: $703B, 91% cash
Market Cash replacement, convenience for small &
Needs essential payments (top up, bill pay)
Cost and Time effective P2P solution
Support for all phone types
Agent distribution and cash in/out, to address
limited reach of banks networks
Compliance with RBI regulations
Obopay Solution EasyPay (Bill payment, top-up), EasySend
(EasyPay+ transfer, cash out)
solution
Agent management platform
Multi-bank solution
Interoperability with ATM and National Switch
Deployment Direct service: Mobile Money Services
Distributed through Nokia agents
Partnered with Two Retail Banks/Carrier
Agnostic
Opportunity Platform Agent management platform
Additions Bill Pay, Top Up solution
Merchant platform
Future Acquire smaller un-acquired merchants
growth 200,000+ Retailers as Agents
Interoperability for consumers and merchants
Obopay Confidential 14
15. NEFT flow for Consumer
To Server: Transaction request
To Client: Status reply from the payment service. This should include
the Bank and Branch name corresponding to the submitted IFSC
code. The bank and branch name should be stored as part of payee.
Obopay
Start Money Client Money Client Money Client
system Sender
Customer selects “Send Customer provides Customer confirms System validates the A confirmation message
Money to Bank Account” recipient name, amount, the details and details and ensures is sent to sender that the
option and chooses to message and bank A/C provides his PIN to whether sender has NEFT request was
send money to a new/ details based on new/ authenticate the sufficient money in his initiated
existing payee existing payee. transaction account
On failure a Obopay System exchanges
message is sent file with the Bank
to sender
NEFT transaction
Sender processed by Bank
Success
On success
message is sent
to sender
Recipient
Recipient gets a SMS when he
receives money into his account
Bank Account Bank Account
Recipient gets direct credit to his Recipient gets direct credit to his
account through NEFT and visits account through NEFT and visits the
the nearest ATM to withdraw cash nearest branch to withdraw cash
Obopay Confidential
15
17. ECS Consumer Flow
Load
Funds 2 3
1 ECS Load Obopay OPS
Funds Txn
FIRE Obopay DB Report
User application
4 ECS load requests
5 EC
Existing ECS S pro
cess
Process ing
6 ECS
c redit
s rec
eived
Obopay
S Bank
EC
ed
ail
s /F
Successful individual es
cc
ECS credit / Failure Su ad Successful ECS credit
8 plo 6.1
ECS Fee debit 7.1 eu (total amount)
Customer SVA Fil
7
7.2
ebit
CS d
ual E Consumer
Individ
Admin 9
BSA 7.3 Console
dit
cre ECS Parking Account Pooled Account
ee
C SF (debit total successful (credit total successful
r eE ECS amount from last
ilu and failure ECS amount
io S
Fa
at C
ECS Failure Fee Account mile credit to customer
ic E
from last mile credit to
n
tif ess
7.4 customer SVA) SVA)
no cc
Su
10
Successful ECS Funds
load confirmation plus
history and balance
update
FIRE ECS Refund Account
OPS+MAL 7.5 application (credit total failure ECS
amount to be refunded
to destination account)
Obopay Confidential
17
19. Case Study: Kenya
Market Market 39 MM people, 21 MM subscribers by 2011,
opportunity 80% + cash economy
Market Replacement for cash for person-to-person
Needs and person-to-merchant transactions
Convenient solutions for Bill Pay, Top Up
Support for al phone types, agent distribution
and cash in/out
Mobile Money part of competitive dynamics
between Telecom Operators
Obopay Solution Agent management platform, stored value
account, money transfer, airtime top-up,
solution account management
Viral customer acquisition (invite), Cardless
ATM withdrawals, deposit at the POS
Dual language support
Mobilized bank accounts
Deployment Licensed platform with on-going revenue
share
Operator distribution (YU), Partnership with
Equity Bank
Opportunity Platform Agent management platform
Addition Implementation experience in market with
low bank penetration
Future Extension to Uganda, Congo, East Africa
Growth Inbound Remittance
Multi-Bank
Obopay Confidential 19
25. Helping Partners Drive Innovation
Helping a mobile carrier - YU
in Kenya to sign up consumers
through 2000+ Agents in Kenya
Obopay Confidential 25
26. Case Study: Senegal
Market Market 13 MM people, 4% banked
opportunity One of West Africa’s most dynamic mobile market (
37% annual growth)
Market
Needs Solution for unbanked consumers
Merchant payments (utilities, mobile, informal )
Person to person transfers
Cash in/out solution
Obopay Solution
Stored Value accounts, money transfer, bill pay
solution Agent network management
Pooled account by Bank branch
Deployment
Managed Service
Distribution through Société Générale branches and
commercial partners network (CMS) and TIGO
(Mobile Network Operator)
Société Générale and partners marketing, sales
Opportunity Platform Additions Bank agent cash–in
Localized Platform (Multiple Languages, Multiple
Currencies)
Future Expansion to SSA, Eastern Europe
Growth Advanced use cases for Eastern Europe
Common operations across country hubs
Europe to Africa and Eastern Europe Remittance
Enterprise and Small Merchants
Obopay Confidential 26
27. Card less ATM Cash Withdrawal
Obopay Confidential 27
30. Universal Access
SMS &
Hosted
NFC Proto IVR Mobile
API
J2ME
GPRS
Widgets
Smart
Phones
SIM
Toolkit &
USSD
J2ME SMS
Bearer
Obopay Confidential 30
31. Agent Framework for Extending Reach
Support for Multiple Distribution Networks
Regional Distributor MNO
Liquidity Management
Features
Registration
Know Your Customer
Cash – In
Cash-Out
Viral Cash-Out
ATM Card Distribution
Merchant Sign Up
Liquidity
Management
Obopay Confidential 31
32. Account model
Transaction Engine P2M
Association
Account
(e.g. Card On
File)
Authentication Device
Info Info
Real-time Direct Bank
Instruments Account
Credit Card (e.g. Citi, Yes)
Linked Transacting P2P
Real-time Association
Debit /ATM Account (s) Account Account
Networks (Load/Unload) (Send/Receive) (e.g. MCMS)
Prepaid
Non real-time Account
Instruments (Card-
ed/Virtual)
(e.g. ACH)
Program (e.g. eFunds)
Personal
Profile
Info
Info
Debit /ATM
Networks
Obopay Confidential 32
33. Customization & integration model
Consumer
Agent & Consumer Consumer
Consumer Merchant Agent sMerchant & sMerchant & sMerchant Consumer Consumer Consumer Partner Partner
Web Web Web Native GPRS J2ME/SMS WAP SMS/IVR IVR Prepaid Cards Mobile Web
5 Issuer
ISO8583
On Premise Program
IVR 4 Configuration
SSO (SP) 6 SSO (IDP)
Web
Billpay with
3 Billpay Agg Localization Services
Biller or Connector Customize
Aggregator
API
7 Payment
Connector's) APIs
Sockets
Topup with Settle &
Carrier or 2 Topup Agg
Connector
Reconcile
Customize
Aggregator Batch File
Receive 8 Batch File
Submit
HTTP/S
SMS with
Carrier or 1 SMS Agg
Connector
Reports
Customize
Aggregator Batch File
Submit 9 Batch File
Receive
Custom
Obopay Environment Partner Environment
Obopay Confidential 33
34. Integration Types & FI Partner Types
Integration Types FI Partner Types
Web Svcs ISO8583 Stored Value
Processors
Custom … PP Card
Processors
Direct Bank
…
HTTP/S Sockets
… Association
Networks
ATM/Debit
Networks
…
…
Obopay Confidential 34