Case Studies of Telecom App Development using Open Source Telecom Software in Latin America. Celeo Arias, PAiC

PAiC Business DevelopmentPAiC is a key partner to leading technology companies that aim to better understand and grow their Latin American & Sub-Saharan Africa business.

PAiC Business Development specializes in consultative sales for cutting-edge technology vendors, identifying and understanding the business needs of telecom operators, banks, contact centers, governments and large enterprises, while matching these needs with the right products and solutions of the companies PAiC represents.

Uncompromising ethics

& transparency

Deep market understanding

Extensive key-contact network

Strong sales drive

Proven expertise in key business &

technology verticals

PAiC Business Development

rofessional dvisors nnovation onsultants

Mobile Financial Services

Mobile Financial Services

Rise in Mobile Money Services

Source: GSMA Mobile Money - 2015

Mobile Financial Services

Rise in Mobile Money Services

Source: GSMA Mobile Money - 2015

Mobile Financial Services

Rise in Mobile Money Services

Source: GSMA Mobile Money - 2015

Mobile Financial Services

Smartphone Penetration in Africa

Source: Ovum - 2015

Mobile Financial Services

How much online shoppers around the world are spendingEstimated average e-commerce revenue per online shopper in 2015.

Source: Statista Digital Market Outlook

Mobile Financial Services

Are Smartphones the NewWallets?Forecast of proximity mobile payment transaction value in the United States.*

* Excludes purchases of digital good and e-commerce purchases made via Smartphone/Tablet.Source: Statista Portal – eMarketer

Mobile Financial Services

Africa and Asia are embracing Mobile PaymentsForecast: mobile payment users (in millions)

Source: Statista Portal – Gartner

Mobile Financial Services

Services Offered

• Balance Enquiry• Language change• PIN / Password change

• View Commission• Last N Transactions

• Transaction Enquiry

• Customer Care

• Prepaid Mobile Recharge

• Postpaid Mobile Payments

• Utility bill payments• Merchant payments

• Community Wallet creation/ Link to Real Account• Addition of Admin, Approvers & Subscribers• Ensuring timely Deposits• Withdrawal• Loan Payments• Profit Distribution • Customer Care

• Cash in• Cash out

Mobile Financial Services

Interconnected world through Telestax

Mobile Financial Services

Multi-Purpose Mobile Banking App

Mobile Financial Services

Multi-Purpose Mobile Money App

Mobile Financial Services

Architecture

Mobile Financial Services

Mobile Financial Services Security

Mobile Financial Services

Handset Vulnerabilities and how we resolve them

Lost? Stolen?

Handset Registration

Over the Air transmission

Detective Business Rules

Preventive Business Rules

Mobile Financial Services

Flow of Money - MFS1. Funds received from Telco, Banks, Insurance/Bill pay Co. to perform transactions

2. Funds are transferred in MFS Stock Wallet from Bank Account

3. Transfer funds to Channel Partner Wallet

4. Channel Partner helps in distributing funds to Agents

5. Agents distribute funds to Subscribers

6. Subscribers do Bill Pay, Recharge, IMPS/NEFT transfers

7. Funds are received back to Telco, Banks, Insurance/Bill pay Co

Mobile Financial Services

Pioneering in MFS with Cooperative Banking Solution

Mobile Financial Services

Flow of Community Wallet

Creation of Community

Wallet

Admin / Approver

Registration

Add members to Community

Contributions from each member

Fund Withdrawal

after Approvals

Loan Repayment

back to Community

Mobile Financial Services

Emerging Shopping Medium

Remote payment channelPromotion Tool with

Analytics & Decision-making

Online shopping wallet

Gift Card Device Loyalty Management

In-Store payment method

Mobile Financial Services

Exclusive to none: ensures true democratization

IVR

USSD

SMS

Banked

Under-banked / Unbanked

Bill Payments

ShoppingMobile Services

Mobile Financial Services

Inclusive financial growth benefits entire ecosystem

Operator

• Generates new revenue stream• Helps add new merchants to existing

operator portfolio.• Maximizes channel profitability• Improves agent stickiness in a

competitive market• Attract more customers

Bank

• Improves bank outreach to underserved segments

• Mobilizes cash into formal economy• Migrates customers from the branch

to retailers, lowering OPEX & CAPEX

Agent/Merchants

• All services & payment methods under single roof

• Improves store reputation• Additional cost-efficient services

delivery touch-point for merchants

Customer

• Greater number of retailers for Cash In, Cash Out, Utility Bill Payments, Recharge & other services

• Greater number of merchants• Secure transactions

1. Retainer Fee – $2,500 per month

2. 5% to 10% Commission

3. Yearly Sales Target

To cover:• Dedicated resources.• Travel costs for sales

meetings.• Operational expenses.

• 5% commission for sales existing leads.

• 10% commission for sales over PAIC-generated eads.

• Hard sales targets set by represented company.

• Monthly leads updates and progress reports.

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