Nurun Retail Payments and Transactions Trend Report June 2013Jen Chow
Created by my team and me at Nurun Toronto, this is the third of five trend reports that will inform a strategic foresight report on preparing for the future of retail in North America.
Guía para tener éxito con la audiencia móvil - Cortesía Google - GABATEK.comGabatek .com
Google presenta la guía para ayudar a las empresas y negocios a tener éxito con la audiencia móvil. Con el gran crecimiento en la utilizacion de celulares y tablets, las empresas han tenido que adaptarse al gran cambio y es realmente una excelente oportunidad para que las empresas aprovechen la tecnología. http://gabatek.com
How Starbucks took their experience digitalBen Gilchriest
Since opening its first location in 1971 the company has grown into one of the world's leading speciality food retailers and a brand recognised the world over. With 94% of all Facebook users either a Starbucks fan or are friends with one, 7 million active users of its mobile payment system, and financial benefits that reflect this, it is now considered a digital leader.
However, it hash;t always been the case. In 2008 it faced real challenges with declining sales and a 50% drop in share price over two years. Starbucks’ recipe for success in Digital Transformation has been equal parts technology-savvy and committed leadership. Today, Starbucks continues to leverage these strengths to create value for customers and shareholders alike through digital.
This paper describes, at a high level, what and how Starbucks has realised its Digital Advantage.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
B2B forecast for 2016 brings out some exciting findings related to 10 vital strategies for B2B marketing, lead generation, b2b sales, relationship marketing, you can implement today.
Nurun Retail Payments and Transactions Trend Report June 2013Jen Chow
Created by my team and me at Nurun Toronto, this is the third of five trend reports that will inform a strategic foresight report on preparing for the future of retail in North America.
Guía para tener éxito con la audiencia móvil - Cortesía Google - GABATEK.comGabatek .com
Google presenta la guía para ayudar a las empresas y negocios a tener éxito con la audiencia móvil. Con el gran crecimiento en la utilizacion de celulares y tablets, las empresas han tenido que adaptarse al gran cambio y es realmente una excelente oportunidad para que las empresas aprovechen la tecnología. http://gabatek.com
How Starbucks took their experience digitalBen Gilchriest
Since opening its first location in 1971 the company has grown into one of the world's leading speciality food retailers and a brand recognised the world over. With 94% of all Facebook users either a Starbucks fan or are friends with one, 7 million active users of its mobile payment system, and financial benefits that reflect this, it is now considered a digital leader.
However, it hash;t always been the case. In 2008 it faced real challenges with declining sales and a 50% drop in share price over two years. Starbucks’ recipe for success in Digital Transformation has been equal parts technology-savvy and committed leadership. Today, Starbucks continues to leverage these strengths to create value for customers and shareholders alike through digital.
This paper describes, at a high level, what and how Starbucks has realised its Digital Advantage.
Mobile Wallets In China: What You Need To Know Mark Opao
Sooner or later, mobile wallets will become a norm rather than a trend in the way we do payments in China, online or offline. In this report we have gathered relevant research to assess the current state and future potential of mobile wallets in China that marketers should know- including the prominent wallet types, usage trends, key challenges and future prospects.
B2B forecast for 2016 brings out some exciting findings related to 10 vital strategies for B2B marketing, lead generation, b2b sales, relationship marketing, you can implement today.
In October 2014, when Apple debuted its iPhone 6 with an electronic wallet called Apple Pay, people immediately began to wonder whether it would overtake its competitors in the mobile payments business. The company has an impressive track record of releasing products and technologies that quickly disrupt and dominate markets. Nearly a year and well over 100 million iPhone 6 sales later, Apple Pay has emerged as the clear leader — but we’re still waiting for disruption. Smartphones have yet to displace cash or credit cards at the retail point of sale.
Countless mobile payment systems are active today — Apple Pay, Google Wallet, the Merchant Customer Exchange (MCX) CurrentC platform, and so on — but none has yet gained significant traction with merchants or consumers or become the standard for mobile transactions. And none of them look likely to seize that role for a while.
Cutting Through Chaos in the Age of "Mobile Me"Cognizant
Advancements in mobile technologies are impacting nearly every aspect of the retail industry. As our research confirms, retailers can no longer treat individuals and market segments as one homogenous entity. Winning in mobile commerce will depend on companies' ability to capture and analyze optimum, real-time data from digital, physical and personal sources, and deliver highly personalized, contextually relevant experiences to today's "markets of one."
The e-commerce purchase journey is complex, and it can expand offline. Here, omnichannel is the only strategy that makes sense as it fosters interaction between retailers and shoppers across all channels, from storefronts to smart devices and desktops, through emails, call centers, smartphone applications, and even smart TVs.
The Chinese e-commerce model is a powerful example of what is possible to achieve with the right mobile-branding-customer service combination. China also serves as an example of how using big data and AI can boost sales and revenues.
Software is having an impact on everyone’s lives and we’re fascinated by its effect on user behavior. Building on our existing financial sector expertise, Beyond wanted to fully understand how people’s behavior is changing in one of the world’s oldest industries and what this change means for the future design of products and services in banking.
The whitepaper presents a holistic view of the digital retail space. It decodes the impact of technologies like NFC, Beacons and Apple Pay while giving a glimpse into trends and challenges associated with m-Commerce.
The most important small business trends in 2014Radius
The rise of mobile, the growth of local, the advent of crowdfunding–find out how 61 small business experts think the latest business trends will shape the future of small business in the next 12 months.
White Paper: 5 Ways Airports Can Drive Non-Aviation RevenueGigya
With airlines now accounting for just 38% of airport revenues, maximizing non-aviation earnings has never been more necessary. This white paper takes a look at how airports can drive non-aviation revenue by leveraging customer identities to create personal experiences across five key areas:
- Parking
- Retail and concessions
- Food and beverage
- Loyalty programs
- Advertising
eMarketer Webinar: Key Trends in EcommerceeMarketer
Online shopping is more prevalent than ever, but it’s not just about online sales anymore. Are you on top of the latest trends to maximize success selling to online, offline and multichannel shoppers? Topics in this webinar include: How is mobile changing the path to purchase? Why is locally relevant information so important in ecommerce? How are innovative retailers dealing with fulfillment challenges? How can you create personalized offers without seeming creepy?
Ascent – Thought leadership from Atos Promises of a converging worldAscent Atos
A magazine into the future of our ever-more connected planet
This new Ascent magazine is the latest edition of the ascent thought leadership program from Atos and sets out how the years ahead will see era-defining change in the global technology landscape, further impacting the way we all connect, live and do business.
This magazine includes articles and views from business leaders, academia and the Atos Scientific Community. Each of the stories in this magazine can tell us something about the world that awaits us all.
The Work Ahead: How Digital Thinking Separates Retail's Leaders from LaggardsCognizant
In this installment of our Work Ahead series, we focus on the impact of digital transformation on the retail industry and the surprisingly wide gap in how digital leaders and laggards perceive the digital future and are approaching the necessary changes to succeed.
Taking friction out of banking white paper - USNils Mork-Ulnes
In our white paper, ‘Taking the friction out of banking’ we research the threat from disruptive FinTech start-ups and look into designing for banking innovation with a focus on improving the digital experience for increasingly digitally-focused consumers.
Future of payments - An initial perspective by MasterCardFuture Agenda
An initial perspective on the future of payments by MasterCard. This is the starting point for the global future agenda discussions taking place through 2015 as part of the the futureagenda2.0 programme. www.futureagenda.org
Taking friction out of banking white paper - UKNils Mork-Ulnes
In our white paper, ‘Taking the friction out of banking’ we research the threat from disruptive FinTech start-ups and look into designing for banking innovation with a focus on improving the digital experience for increasingly digitally-focused consumers.
Retailers are beginning to notice that technology’s role is one of an enabler. Essentially, information technology can speed up processes and deliver cost saving benefits to the company. So how to extract more benefits from IT you ask? Ask the experts, The Silicon Review “10 Fastest Growing Retail Companies 2019.”
In October 2014, when Apple debuted its iPhone 6 with an electronic wallet called Apple Pay, people immediately began to wonder whether it would overtake its competitors in the mobile payments business. The company has an impressive track record of releasing products and technologies that quickly disrupt and dominate markets. Nearly a year and well over 100 million iPhone 6 sales later, Apple Pay has emerged as the clear leader — but we’re still waiting for disruption. Smartphones have yet to displace cash or credit cards at the retail point of sale.
Countless mobile payment systems are active today — Apple Pay, Google Wallet, the Merchant Customer Exchange (MCX) CurrentC platform, and so on — but none has yet gained significant traction with merchants or consumers or become the standard for mobile transactions. And none of them look likely to seize that role for a while.
Cutting Through Chaos in the Age of "Mobile Me"Cognizant
Advancements in mobile technologies are impacting nearly every aspect of the retail industry. As our research confirms, retailers can no longer treat individuals and market segments as one homogenous entity. Winning in mobile commerce will depend on companies' ability to capture and analyze optimum, real-time data from digital, physical and personal sources, and deliver highly personalized, contextually relevant experiences to today's "markets of one."
The e-commerce purchase journey is complex, and it can expand offline. Here, omnichannel is the only strategy that makes sense as it fosters interaction between retailers and shoppers across all channels, from storefronts to smart devices and desktops, through emails, call centers, smartphone applications, and even smart TVs.
The Chinese e-commerce model is a powerful example of what is possible to achieve with the right mobile-branding-customer service combination. China also serves as an example of how using big data and AI can boost sales and revenues.
Software is having an impact on everyone’s lives and we’re fascinated by its effect on user behavior. Building on our existing financial sector expertise, Beyond wanted to fully understand how people’s behavior is changing in one of the world’s oldest industries and what this change means for the future design of products and services in banking.
The whitepaper presents a holistic view of the digital retail space. It decodes the impact of technologies like NFC, Beacons and Apple Pay while giving a glimpse into trends and challenges associated with m-Commerce.
The most important small business trends in 2014Radius
The rise of mobile, the growth of local, the advent of crowdfunding–find out how 61 small business experts think the latest business trends will shape the future of small business in the next 12 months.
White Paper: 5 Ways Airports Can Drive Non-Aviation RevenueGigya
With airlines now accounting for just 38% of airport revenues, maximizing non-aviation earnings has never been more necessary. This white paper takes a look at how airports can drive non-aviation revenue by leveraging customer identities to create personal experiences across five key areas:
- Parking
- Retail and concessions
- Food and beverage
- Loyalty programs
- Advertising
eMarketer Webinar: Key Trends in EcommerceeMarketer
Online shopping is more prevalent than ever, but it’s not just about online sales anymore. Are you on top of the latest trends to maximize success selling to online, offline and multichannel shoppers? Topics in this webinar include: How is mobile changing the path to purchase? Why is locally relevant information so important in ecommerce? How are innovative retailers dealing with fulfillment challenges? How can you create personalized offers without seeming creepy?
Ascent – Thought leadership from Atos Promises of a converging worldAscent Atos
A magazine into the future of our ever-more connected planet
This new Ascent magazine is the latest edition of the ascent thought leadership program from Atos and sets out how the years ahead will see era-defining change in the global technology landscape, further impacting the way we all connect, live and do business.
This magazine includes articles and views from business leaders, academia and the Atos Scientific Community. Each of the stories in this magazine can tell us something about the world that awaits us all.
The Work Ahead: How Digital Thinking Separates Retail's Leaders from LaggardsCognizant
In this installment of our Work Ahead series, we focus on the impact of digital transformation on the retail industry and the surprisingly wide gap in how digital leaders and laggards perceive the digital future and are approaching the necessary changes to succeed.
Taking friction out of banking white paper - USNils Mork-Ulnes
In our white paper, ‘Taking the friction out of banking’ we research the threat from disruptive FinTech start-ups and look into designing for banking innovation with a focus on improving the digital experience for increasingly digitally-focused consumers.
Future of payments - An initial perspective by MasterCardFuture Agenda
An initial perspective on the future of payments by MasterCard. This is the starting point for the global future agenda discussions taking place through 2015 as part of the the futureagenda2.0 programme. www.futureagenda.org
Taking friction out of banking white paper - UKNils Mork-Ulnes
In our white paper, ‘Taking the friction out of banking’ we research the threat from disruptive FinTech start-ups and look into designing for banking innovation with a focus on improving the digital experience for increasingly digitally-focused consumers.
Retailers are beginning to notice that technology’s role is one of an enabler. Essentially, information technology can speed up processes and deliver cost saving benefits to the company. So how to extract more benefits from IT you ask? Ask the experts, The Silicon Review “10 Fastest Growing Retail Companies 2019.”
Business plan - Mobile Payment ApplicationPlan Writers
The purpose of this plan is to provide investors with the information necessary to evaluate the scope and future growth of Payment Company in the market place.
A No-Confusion Guide to Build a Secure Mobile Wallet App in 2019Innofied Solution
Mobile payments apps have witnessed a major increase in demand lately. Wallet apps like Paytm, PayPal and others have revolutionized the online world. If you want to develop an e-wallet, watch this presentation now!
E-commerce came to existence more than two decades ago. It is still going strong. As per eMarketer,
worldwide e-commerce sales have already reached at $1.2 trillion almost a year ago. It is on the rise
with 16% Compound Annual Growth Rate and will continue with same rate till 2016. However over the
period, quite a few new developments and technologies has emerged in the area of e-commerce.
These new technologies and trends give confidence to consumer to adopt e-commerce way of
shopping. There are few aspects that have been regularly influencing e-commerce.
89% of consumers switch to a competitor after a poor CX Abhishek Sood
89% of consumers switch to a competitor following a poor customer experience, according to an Oracle study. But how can you use digital technology to improve your customers' experience?
Uncover how several prominent businesses embraced digital technologies to retain customers and increase profits. For example, Domino's Pizza had a 23% growth in profit after it allowed customers to track their deliveries online.
Discover the 4 factors that can make a digital transformation project profitable and worthwhile.
AI-Link is an Artificial Intelligence(AI)-powered technology company. It acts as your personal business operations advisor. With a proven history of managing multi-million pound projects we technologically enhance the growth of your business, increasing profit and liquidity. Revolutionise your brand; we engage with communities and inspire customer delight, turning customers into brand advocates. We create smart businesses that people trust.
The Power of Commission Payment Choice - Fragmob Technology ConferenceHyperwallet
The direct selling industry is about to hit a critical moment in its evolution. Because, like it or not, the world of independent employment is changing rapidly. New economy companies, like Uber, Lyft, TaskRabbit, and Upwork, are challenging direct sellers for their human resources, attracting young, eager, independent workers in record numbers. Thankfully, advances in technology and improvements to commission payments platforms are making it easier for direct selling companies to adapt and provide their workforce with cutting-edge field tools.
Trends in eCommerce in India - Powered by Hoppingo.comHoppingo
Year 2014 has been very promising in terms of new eCommerce companies getting established, companies getting huge investments from investors like Tiger Global, Soft Bank etc. Billion has become new million, when it comes to investment in this sector and e-commerce became one of the most sought after investment choice.
We, at Hoppingo, have listed some of the trends that are hitting eCommerce in 2015.
Do let us know if you think differently!
Early Stage Fintech Investment Thesis (Sept 2016)Earnest Sweat
Here is an example of a personal investment thesis that I created to share with venture capital firms. In this example, I provide my personal perspective on the fintech sector. For details on how I build this thesis check out my blog (https://goo.gl/CU4Qid).
Note: Some of the confidential information has been redacted for privacy.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
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.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
1. CONFIDENTIAL
TechPay “The easy way to pay”™
Executive Summary
Prepared October 2015
Contact Information
Ross Markbreiter
rossm@techpay.mobi
855-483-2472
http://www.techpay.mobi
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information
and is shared only with the understanding that you will not share its contents or ideas with third parties
without the express written consent of the plan author. Page 1
2. Table of Contents
Introduction
Who We Are 3
What We Sell 3
Company History 4
Market
Market Overview 4
Marketing Plan 6
Future 7
Generation of Revenue 7
Management Team 8
Select Financial Data 12
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information
and is shared only with the understanding that you will not share its contents or ideas with third parties
without the express written consent of the plan author. Page 2
3. Introduction
Who We Are
TechPay Mobile Payment Systems™, headquartered in Dana Point, California, is a software
development company.
TechPay™ has developed SwiftPay™, a revolutionary, proprietary mobile platform designed
specifically for grocery stores and supermarkets to benefit both the consumer and the merchant.
Our product SwiftPay ™, is a software solution that integrates into a merchant’s retail system,
helping to streamline the shopping process and save consumers time and money.
This new standard of technology is not just a "Wallet" but a complete Point of Sale (POS)
system. “SwiftPay” ™ allows consumers to enter their personal loyalty cards, make a shopping
list and scan manufacturer coupons from newspapers, magazines or mailers. Once logged in with
a vendors loyalty card, “SwiftPay” ™ shows discounts to the consumer, in real time via their
mobile device (apps available in both iOS and Android at no charge). With one simple scan,
the entire checkout process is complete.
Our primary customers are retail businesses that accept credit cards and/or debit cards; and
consumers, most specifically, moms.
TechPay is proud to have Kathy Ireland as our Brand Ambassador. Kathy has been a longtime
advocate for women, with Associated Press calling Kathy, “best friend to working moms”.
Kathy’s mission statement is “finding solutions for families, especially busy moms”. And,
SwiftPay is one of the ways busy moms are able to streamline grocery shopping and save money
all at the same time!
The kathy ireland brand is listed as the 31st most powerful brand globally, by License Global
Magazine, with annual merchandise sales of $2 billion, according to Forbes Magazine. Kathy
has been named #33 on Forbes 2015 Inaugural List of America's 50 Richest Self-Made Women.
Kathy gracefully balances the roles of wife, mother, author, humanitarian, activist and Chief
Designer and CEO of kathy ireland Worldwide.
SwiftPay™, processes credit cards/debit cards, sends transactions via email, and saves all sales
data for both consumer and retailers. In addition, the system provides scan statistics, which can
analyze all sales using a private web portal, giving the retailer insight into the buying patterns of
each customer. And, no specific device or merchant terminal is required; it can run on any
system as it is software based.
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information
and is shared only with the understanding that you will not share its contents or ideas with third parties
without the express written consent of the plan author. Page 3
4. There are three different ways to shop with a mobile device. 1. scan items and create a QR code
with payment information that was entered on the website or APP. Then checkout using a pin
and basket is saved and email receipt sent. 2. the cashier scans item and uses the "pay now"
button on app they chose payment option. 3. Scan, Pay and Go. Consumer doesn’t have to see a
cashier at all. Merchant can see sales, scan data and run banner campaign from their portal.
TechPay™ offers retailers the ability to customize and create a Mobile Payment system for any
company, along with banner ad capabilities, which can be considered as an additional source of
revenue.
Market Overview
The “Mobile Space” is a surging enterprise, and experts anticipate within the next five years,
most retailers will transition to mobile payment systems.
According to a recent Statistica.com report, there are approximately 184.2 million current
smartphone users in the U.S. It is estimated by 2020 there will be 220 million smartphone users.
A 2015 Statistica.com report identified there are 2 million retail businesses in the U.S. Of that 2
million, 110,000 are chain stores, and 37,716 are grocery stores, all who can utilize and benefit
from m-commerce.
According to the new edition of Deloitte’s annual Technology, Media & Telecommunications
(TMT) Predictions report, in-store mobile payments will increase by more than 1,000%
worldwide this year with 5% of the world’s smartphones being used to make a payment in a
store at least once a month, up from under 0.5% in mid-2014.
2015 will be the “first year in which the multiple prerequisites for mainstream adoption —
satisfying financial institutions, merchants, consumers and device vendors — have been
sufficiently addressed”, the authors conclude.
There has been a tectonic shift in the way consumers spend their time online. In October 2014,
52% of the time consumers spent online occurred within smartphone and tablet apps, according
to new data provided exclusively to Internet Retailer from web and mobile measurement firm
comScore Inc. 40% of online time was spent in web browsers on desktops and laptops and 8%
spent in web browsers on smartphones and tablets.
https://www.internetretailer.com/2014/12/10/mobile-apps-dominate-time-consumers-spend-
online .
The global smartphone audience surpassed the 1 billion mark in 2012 and was estimated to total
1.75 billion in 2014. eMarketer expects smartphone adoption to continue on a fast-paced
trajectory through 2017. Nearly two-fifths of all mobile phone users—close to one-quarter of the
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information
and is shared only with the understanding that you will not share its contents or ideas with third parties
without the express written consent of the plan author. Page 4
5. worldwide population—used a smartphone at least monthly in 2014. By the end of the forecast
period, smartphone penetration among mobile phone users globally will near 50%. - See more at:
http://www.emarketer.com/Article/Smartphone-Users-Worldwide-Will-Total-175-Billion-
2014/1010536#sthash.ch7q41RX.dpuf.
NCH Marketing Services, Inc., an international coupon processing company, says that 77
percent of all US households use coupons (particularly in markets where their value is doubled).
It is a common misconception that only lower income shoppers use coupons to save money. In
fact, a recent survey by NCH Marketing Services revealed 75 percent of customers in all income
brackets use coupons sometimes, with the highest rate of coupon clippers, 82.9 percent, having
an income of $25,000 - $50,000.
NCH Marketing Services, conducted a telephone survey of 1,000 consumers and found:
• Three out of four shoppers use coupons.
If a consumer loses their credit card(s) or their wallet gets stolen, it is a major issue. They have to
call to cancel their cards, check statements, wait days or weeks to get new cards and cannot do
anything until a new one is received. Using one of TechPay Mobile Payment Systems, card
information is stored on your phone. If a phone is lost or stolen, data can be erased and a new
phone issued the same day, and all data restored.
Payment and application of coupons through mobile devices is the future. The numbers are
rising. 16 % of businesses will add MPOS in the next year. Mpos will replace existing POS
systems.
Competitors
TechPay Mobile Payments Systems™ is the only offering of its kind, and has determined there
are currently three mobile payment companies considered competitors:
Apple Pay™ Is a way to pay, B2C consumers use their mobile device to pay for products. Apple
Pay requires an NFC enabled device and NFC enabled terminals. It is just a way to pay.
Square™ Is a B2B company and predominately has customers that are small business and do
fewer transactions at a time. Square is a way to pay and B2C.
LevelUp™ is for restaurants and other businesses. Their mobile app is used for check out/paying
purposes only. A way to Pay LevelUP ™ is B2C.
CONFIDENTIAL - DO NOT DISSEMINATE. This business plan contains confidential, trade-secret information
and is shared only with the understanding that you will not share its contents or ideas with third parties
without the express written consent of the plan author. Page 5
6. Marketing Plan
As mentioned previously, Kathy Ireland has been named TechPay’s™ Brand Ambassador. Our
marketing and advertising campaigns will include Kathy on various initiatives.
TechPay™ is different than most mobile payment systems, as it is more of an Mpos system. Our
goal is to be the first to integrate our platform into grocery stores, and co-market with retailers
and processors through in-store advertising, Facebook, Twitter, other social media, and where
applicable, joint advertising with merchants on television and newspaper.
We will partner with NCR to integrate into two of NCR’s Pos systems v 6.1 and 6.2. There are
currently 1500+ stores running ACS-IR and 2000+ running ACS Base. Once integrated,
TechPay™ would own the intellectual property/software update.
As part of the partnership with NCR, they will give TechPay™ the names and contacts of stores
who use the system. This would be certified and free to retailers.
Once these plans and processes have been successfully implemented, we will move forward with
other POS companies to do the same. And, partner with major retailers and credit card
processors.
In addition, TechPay™ will develop enhancements for its mobile apps to include reward
programs and enhanced shopping experiences and add new technologies as they are developed.
Positioning
As a provider to retail stores and consumers, TechPay Mobile Payment Systems ™ will position
itself as The Leading Mobile Payment System for Grocery and Retail stores.
Pricing
Price will vary for each retailer based on the number of stores, POS system in place, and
capabilities of retailers’ current platform. The APP is free for the consumer.
Promotion
With Kathy Ireland as Brand Ambassador, Ms. Ireland will be part of the marketing and
promotions of TechPay Mobile Payment Systems™ and SwiftPay™, which will include but is
not limited to: television; advertising in retailer stores; social media (e.g. Facebook; Twitter);
retailer co-marketing; in-store advertising; partnerships with credit card processors; press
releases; eMagazines; Tradeshows, and Trade magazines.
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7. Joint marketing and awareness campaigns will also be put in place with partner, WorldPay,
including joint marketing materials and press releases.
Distribution
TechPay™ will partner with small to large retailers to license SwiftPay™ product. Distribution
will be based on the number of locations per retailer/license.
The Future
TechPay™ intends to leverage the SwiftPay™ platform to create additional Mobile Payment
Systems for various retail businesses including the following:
Gas stations
Retail department stores
Pet stores
Fast food drive thrus
Dine in restaurants
Parking meter payments
Convenience stores
Generation of Revenue
The following is based on a scenario, for which TechPay™ has been in discussions with, a mid
to high end grocery store, with an approximate revenue of $2 million per month.
A percentage fee of each debit/credit card and check sale transaction will be collected and we
will receive a monthly residual from the credit card processor. Using Authorize.net as our virtual
gateway will also generate a monthly residual based on volume of sales. Revenue is estimated to
be approximately $10,000 per grocery store per month.
Additional revenue will be generated by charging license, maintenance and integration fees to
the merchants.
Revenue will also be generated by running banner ads on the consumer app, targeting vendors
such as Proctor and Gamble™, and Kellogg™, etc., to have exclusive advertising on the APP.
This can create an additional estimated revenue of $10,000 per store per month.
We will integrate into each retailer system separately, and because each is unique, the cost will
vary.
As stated earlier, the Application is free for the consumer.
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8. Management Team
Ross Markbreiter Founder - Inventor - Chief Executive Officer
Ross Markbreiter is an entrepreneur and visionary, with executive experience in all facets as
CEO/CTO. He has been consistently ahead of the curve in anticipating future technology and its
impact on U.S. business. Ross is a pioneer in internet technology and ecommerce; he founded
and built The World Wide Web Store - one of the first full service companies to setup email, and
design, build and host websites in the mid 1990’s, when the internet was still in its infancy. Mr.
Markbreiter innovated the online “shopping cart” and integrated online payment processing and
merchant accounts for his clients, before it became the norm of today’s ecommerce. He was the
very first online merchant with CardService International, now, First Data.
As an IT Director and Executive, Ross grew a now well known startup company from $100,000
(in annual sales) to more than $200 million in annual sales. Ross has provided full service
turnkey IT solutions, including: Virtual Gateway security; business systems solutions (he was
one of the first to facilitate client merchant accounts for online businesses); apps for iPhones
(and all other mobile devices); Domain Name Registration; and, Search Engine Optimization
(SEO).
As a visionary, Ross conceived the idea to build the new, revolutionary Mobile Payment System
“TechPay”, which will transform payment processing for retail businesses and Mcommerce for
consumers. His broad industry experience and technical knowledge have enabled him to develop
a unique, proprietary “SwiftPay ™” the first technology from TechPay Mobile Payment
Systems, the most likely system of its kind to be integrated in real world applications. In other
words, his system is technically and financially viable, intuitive (user friendly), and completely
compatible with current retail payment transaction infrastructure. TechPay will change the way
the world will shop and pay!
Michele Burke, Chief Operating Officer
Michele Burke brings more than 25 years’ experience in the areas of management, operations,
technology, marketing and business development.
She has most recently served as President and CEO of BC Connect, LLC, a leading third-party
software and services provider for the field services, REO and default management industries.
She pioneered the company’s unique enterprise architecture model of systems design that
enabled tiered workflow management, including multi-level roles and rights management
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9. capabilities to meet compliance and information security needs, and within five years went from
a startup to a $10 million dollar company.
Prior to founding BC Connect, Michele launched The CBMB Group, an entrepreneurial venture
offering diverse strategic and integrated marketing communications expertise to clients.
She served as Senior Vice President, Marketing for Countrywide Financial Corporation, a former
Fortune 150 Financial Services Company (NYSE: CFC), where she led all marketing, advertising
and pr initiatives for three divisions of CFC, its products and services, and clients, for both B2B
and B2C initiatives. She improved brand consistencies, increased efficiencies and reduced time-
to-market while optimizing people, processes, and costs, saving the company $2.3 million in
expenses in 2003.
Earlier in her career, Michele was on the agency side of marketing and advertising, in which she
held executive level positions for different full service marketing, advertising and public relations
agencies, developing and managing all aspects of new and existing client relationships. Some of
her clients included NASA, SpaceWeek International, Space Center Houston, GTE (Internet
Division), Nortel, Nocona and Diamond J Boots, and Texas Children’s Hospital.
Michele holds a Bachelor of Arts degree in Communications from Texas Tech University, and a
Jesse H. Jones Graduate School of Management Certificate from Rice University.
Miles Robinson, Chief Development Officer
Miles Robinson became a professional drummer in his mid-teens, playing in venues throughout
Northern California, and gained extensive broadcast experience as a key disc jockey for a well-
known radio station.
Miles performed, toured and recorded with many Grammy nominated and well-known artists. He
also recorded with Motown Records, and Warner Brothers Records and, at Gold Star Studios
with members of Phil Spector’s “Wrecking Crew”.
He then joined the multi-platinum and six-Grammy award-winning musical giant,
The 5th
Dimension, as the drummer, recording and touring worldwide at exemplary venues,
including performances at the White House.
Miles later moved into the world of talent management and production. He joined a management
firm that became acquired by “kathy ireland Worldwide” (kiWW), and was instrumental in the
transfiguration of that company from a talent management entity into a multi-billion dollar
design and marketing firm.
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10. He served as Vice President of Production for kiWW, interfacing with manufacturers, retailers,
global strategic partners in all areas of brand recognition and utilization of his music and
production skills. While with kiWW, Miles produced and directed a multitude of kiWW’s
business and consumer film and video productions, including projects with Janet Jackson and
produced Dame Elizabeth Taylor’s last performance of “Love Letters” with James Earl Jones.
He was a core team member, enabling Kathy Ireland’s company to be estimated in value by
Forbes magazine in 2012 at approximately $2 billion dollars in retail sales.
Ron Feuer, Chief Strategy Officer
Ron Feuer began his career as the keyboard player for the Grammy award winning group “The
5th Dimension”, and later became the Musical Director.
He went on to tour and perform with many distinguished artists such as Peter Frampton, The
Dixie Chicks, The Temptations, Natalie Cole, Poison, Dave Koz and Jason Mraz.
In 2012, Ron became the Musical Director for the hit show America’s Got Talent.
He also excelled in the world of television as both a composer and executive producer, taking
home a BMI music award for the theme song he wrote for the VH1 hit series “Scott Baio 45 &
Single” & ”Scott Baio 46 and Pregnant.” Ron’s music has graced TV shows and series on many
networks including HBO, NBC, CBS, Animal Planet, Tru TV, WE, Fox, MTV, History and
Discovery Channel.
Ron Executive Produced, produced and composed the music for such films as “The Kiss” and
“Mother’s Day.” Both films garnered numerous awards on the festival circuit.
In 2013, Miles and Ron joined forces, and started their own company, Milestone Venture
Productions (MVP). They have developed and produced many commercial and corporate videos
and presentations for companies such as Macy’s, Fox Business News’ Worldwide Business with
Kathy Ireland; and American Family Insurance. In addition, MVP has produced non-profit
fundraising events for Boys and Girls Club; Compton Junior Posse; and Providence Educational
Foundation, to name just a few.
Robinson and Feuer bring more than 30 years of combined experience in the music and
entertainment business, as well as film and television production. Miles and Ron have helped
fuel the success of artists, entrepreneurs, and corporations in meeting their strategic business and
creative goals.
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11. Nancy Kelly - Senior Executive Member, Card Processing
Ms. Kelly, Senior Executive Member, comes to TechPay LLC with nearly 20 years of
experience in the payment processing industry. During her tenure as senior manager with Card
Service International/FirstData, she grew her regional office’s annual business volume more than
twenty fold, with a group of highly experienced individuals on her team.
Nancy credits her success to stellar customer service, strong networking - both inside and outside
the industry - and the ability to adjust to all of the Processing Industry changes: from POS based
transactions and later, debit cards to ecommerce, Mcommerce and global online business.
A California native, Ms. Kelly has a wealth of colleagues, contacts and strategic partners. She
has worked closely with Ross Markbreiter in the industry for at least 15 years, while he was
resident of The World Wide Web Store and now the founder and Chief Executive Member of
“TechPay”.
RPR Public Relations, Inc. - Executive PR
RPR Public Relations, Inc. is the PR firm of record for TechPay. Their PR and marketing firm’s
focus is on ROI and providing exceptional customer service and stellar results.
Since 2003, RPR’s experienced publicists have provided outstanding brand management, public
relations and marketing services to entrepreneurs, startups and small-to-medium sized businesses
located throughout the United States, Canada, South America, Europe, the Middle East, Russia
and Asia. This includes companies involved in the technology, consumer product goods, B2B
and B2C services, healthcare and financial industries.
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12. SWIFTPAY™ MOBILE APP
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13. SwiftPay™ Features:
Shopping list. Consumer can scan in the item and item will be added to the shopping list.
When shopping and the item is placed in the cart, the item will be removed from the
shopping list.
Scan items. While at the retailer, consumer is able to see price and information on product.
Consumer is able to scan item and place in shopping cart to purchase.
Browse store for items, see all items in store by category.
Scan coupons. Consumer is able to get coupons from newspaper or magazines or retail
scanning the barcode. Coupon will show notifications on expiration and when a product is
put in the shopping cart, the coupon will be automatically recognized and put into shopping
cart and deducted from the total amount in cart, then deleted from coupon button.
Promotions. This will show any specials being offered by the retailer, also push notifications
based on store.
Shopping cart. The shopping cart shows all sales records to be seen by consumer and
merchant.
Loyalty cards. Once in a store, loyalty card discount will be displayed while shopping.
Different loyalty cards can be added. Loyalty discount will show in shopping cart and with
final purchase.
Consumer login portal. This login provides the consumer profile. Credit cards, checking
account, debit card, to be selected when checking out. Also able to add loyalty cards and see
the same sales as on the SwiftPay™ APP.
Pay now. This button is used if the consumer wants to have the cashier scan items, but still
use SwiftPay™ to pay using QR code process for the transaction. When the process is
complete, an email will be sent showing the transaction with a transaction ID. Also will be
saved in the shopping cart button and a print receipt option will be available.
Check out by generating QR code. All items in cart, credit card information, loyalty card
information and coupons added up/deducted at this time.
Store locator. Ability to choose store location, as well as what store you are in once you log
in.
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14. COMPETITOR COMPARISON CHART
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15. FEATURES TechPay ApplePay GooglePay Square LevelUp VONS Ralph's
B2B X X X
B2C X X X X X X X
Shopping List X X X
Scan Coupons X
Promotions X X X
Weekly Ads X
Shopping Cart X
Loyalty Cards X X
Consumer Login Portal to
show consumer profile.
Credit cards, checking
account, debit card, to be
chosen when checking out
which to use. Able to add
loyalty cards and see sales.
X
Pay Now X X
Check out by
generating QR Code
that has the items in
cart, credit card
information, loyalty card
information and coupons
deducted.
X X
Pharmacy Ordering X
Online Ordering
Delivery
Pay at Cashier X X
Merchant Portal Login X X X
Email and Print Receipt
Saves sales to consumer
profile in shopping cart
button
X
Store Locator X X X
Online Coupons X X
FREE X X X X X X X
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16. Monthly 2016 2017 2018 2019 2020
Kroger Grocery Stores 2,640.00 2,640.00 3,168.00 3,801.60 4,561.92 5,474.30
Family of four spends 880.00 10,560.00 12,672.00 15,206.40 18,247.68 21,897.22
One hundred thousand users 88,000,000.00 88,000,000.00 105,600,000.00 126,720,000.00 152,064,000.00 182,476,800.00
- - - - -
.005 fee on each transaction 440,000.00 5,280,000.00 6,336,000.00 7,603,200.00 9,123,840.00 10,948,608.00
License Fees 1500 per store 330,000.00 3,960,000.00 4,752,000.00 5,702,400.00 6,842,880.00 8,211,456.00
Authorize.net $20 per month per store 52,800.00 633,600.00 760,320.00 912,384.00 1,094,860.80 1,313,832.96
.20cents per transaction 100k 4 transactions per month 80,000.00 960,000.00 1,152,000.00 1,382,400.00 1,658,880.00 1,990,656.00
Banner Advertising $3k per week 12,000.00 144,000.00 172,800.00 207,360.00 248,832.00 298,598.40
Total 914,800.00 10,977,600.00 13,173,120.00 15,807,744.00 18,969,292.80 22,763,151.36
2016 - 1 Grocery Chain 2016 2017 2018 2019 2020
Revenues 914,800.00 10,977,600.00 13,173,120.00 15,807,744.00 18,969,292.80 22,763,151.36
COGS
KiWW 2% Net Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
KIWW 2% Gross Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
KIWW Brand Participation 2% Net Sales 18,296.00 219,552.00 263,462.40 316,154.88 379,385.86 455,263.03
Direct Costs 40% 365,920.00 4,391,040.00 5,269,248.00 6,323,097.60 7,587,717.12 9,105,260.54
Gross Margin 512,288.00 6,147,456.00 7,376,947.20 8,852,336.64 10,622,803.97 12,747,364.76
0.56 0.56 0.56 0.56 0.56 0.56
Expenses
General & Administrative Expenses
Rent 2,500.00 30,000.00 36,000.00 43,200.00 51,840.00 62,208.00
Utilities 300.00 3,600.00 4,320.00 5,184.00 6,220.80 7,464.96
Internet 150.00 1,800.00 2,160.00 2,592.00 3,110.40 3,732.48
Telephone & cell phone 350.00 4,200.00 5,040.00 6,048.00 7,257.60 8,709.12
Office Supplies 200.00 2,400.00 2,880.00 3,456.00 4,147.20 4,976.64
Office setup 5,000.00 60,000.00 72,000.00 86,400.00 103,680.00 124,416.00
CEO Salary 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Executive Support Salaries 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Accounting Staff Salaries 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Employer Taxes 3,000.00 36,000.00 43,200.00 51,840.00 62,208.00 74,649.60
Accounting software and payroll fees 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Legal & Professional Services 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Contract Labor 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Postage & Freight 75.00 900.00 1,080.00 1,296.00 1,555.20 1,866.24
Insurance - - - - -
Business 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Health 1,800.00 21,600.00 25,920.00 31,104.00 37,324.80 44,789.76
Workman's comp 200.00 2,400.00 2,880.00 3,456.00 4,147.20 4,976.64
interest expense 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Repairs & maintenance 50.00 600.00 720.00 864.00 1,036.80 1,244.16
License & Fees 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
State and Local Taxes 100.00 1,200.00 1,440.00 1,728.00 2,073.60 2,488.32
Depreciation expense 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
R&D 15,500.00 186,000.00 223,200.00 267,840.00 321,408.00 385,689.60
Pension and Profit Sharing Plan 50,000.00 600,000.00 720,000.00 864,000.00 1,036,800.00 1,244,160.00
Total General and Administration Costs 111,125.00 1,333,500.00 1,600,200.00 1,920,240.00 2,304,288.00 2,765,145.60
Sales & Marketing Expenses
Brand Manager 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Sales Salaries 4 people 24,000.00 288,000.00 345,600.00 414,720.00 497,664.00 597,196.80
Bonuses 3,400.00 40,800.00 48,960.00 58,752.00 70,502.40 84,602.88
Employer Taxes 3,400.00 40,800.00 48,960.00 58,752.00 70,502.40 84,602.88
Health Insurance - Sales & Marketing 3,000.00 36,000.00 43,200.00 51,840.00 62,208.00 74,649.60
Advertising 50,000.00 600,000.00 720,000.00 864,000.00 1,036,800.00 1,244,160.00
Marketing 10,000.00 120,000.00 144,000.00 172,800.00 207,360.00 248,832.00
Printing and Reproduction 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
Trade Shows 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
First Class Travel Expenses Kathy and companions 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
2 Media/Still Photo Sessions with Kathy 1st class 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
- - - - -
Conference Fees 1,000.00 12,000.00 14,400.00 17,280.00 20,736.00 24,883.20
Travel 5,000.00 60,000.00 72,000.00 86,400.00 103,680.00 124,416.00
Meals & Entertainment 2,500.00 30,000.00 36,000.00 43,200.00 51,840.00 62,208.00
Total Sales and Marketing Costs 120,300.00 1,443,600.00 1,732,320.00 2,078,784.00 2,494,540.80 2,993,448.96
Operating Expenses
IT Salaries 25,000.00 300,000.00 360,000.00 432,000.00 518,400.00 622,080.00
Employer Taxes 2,000.00 24,000.00 28,800.00 34,560.00 41,472.00 49,766.40
Health Insurance IT 1,800.00 21,600.00 25,920.00 31,104.00 37,324.80 44,789.76
NCR Integration 9,166.67 110,000.00 132,000.00 158,400.00 190,080.00 228,096.00
Computers & Servers 500.00 6,000.00 7,200.00 8,640.00 10,368.00 12,441.60
Total Operating Expenses 38,466.67 461,600.00 553,920.00 664,704.00 797,644.80 957,173.76
Total Expenses 269,891.67 3,238,700.00 3,886,440.00 4,663,728.00 5,596,473.60 6,715,768.32
Income before taxes 242,396.33 2,908,756.00 3,490,507.20 4,188,608.64 5,026,330.37 6,031,596.44
Percentage 0.26 0.26 0.26 0.26 0.26 0.26
Less Taxes at 32% 77,566.83 930,801.92 1,116,962.30 1,340,354.76 1,608,425.72 1,930,110.86
Net Income 164,829.51 1,977,954.08 2,373,544.90 2,848,253.88 3,417,904.65 4,101,485.58
Techpay P&Lbased on 1 chain store with 20%annual growth
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