Apr 16, 2017
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.
www.paicbd.com