PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net Web and Voice person to person payment and remittance services delivery platform
May 12, 2015
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Web and Voice person to person payment and remittance services delivery platform
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Hello,Let me introduce
Jean-Marc Levy Dreyfus
CEO Online & Groupware
+33 6 1639 6298
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
A disruptive purchase and payment system as simple as a
phone call.
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Here is the issue we solve :
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Today I use
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
a Card or Paypal
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
To withdraw cash
Providing there is an ATM near by
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
To pay at merchant’s store
As long as the merchant owns a POS payment terminal
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
And to buy online
As long as I am buying at a web store’s paybox – or to a paypal subscriber
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Or from a Web Store
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
but card and Paypal are useless here
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
And here
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
and when I need to pay a person
Since individuals usualy own no POS payment terminal
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Actually the issue is not how can I pay ?
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
But How can I get paid ?
* and it ’s a major issue in time of economic turn down and credit crunch
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
By Check ?
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Postal order?Western Union ?
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
in 2007 :200 Million individuals
$ 311 Billion Remittance
+ other $300 Billion were transfered through non formal pipes
Source IFAD 2007
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Next payment system must
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Enable and warrant person to person payment
*no matter if the persons are bancarized or not
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Face to Face
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
As well as at distance
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
the solution : Mobile Payment ??
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
an excellent idea
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
market : 4 billion mobile phones
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
could deliver cards’ equivalent features without requiring specific acceptation network and devices
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
By 2011 :612 Million users
$587 Billion by phone
Source :Juniper networks
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
But Mobile payment requires
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
a software installed on your cell phone
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Either in your operator’s SIM card
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
or after you downloaded it
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
1st issue
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
In case of
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Or
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Your may loose not only your personal data
but also your cash
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
2nd issue
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Mpayment Solution is provided by
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
# 1 : Mobile Operator
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Both the person who pays and the one who is paid must
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
subscribe to the same carrier
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
# 2 : banks and M-payment providers
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Their solutions are carrier independent
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
but based on proprietary softwares
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
That need to be installed by the account owner
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
and this is not a piece of cake !
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
due to smartphone OS battle
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
And the huge range of mobile phones
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Downloading, Installation & customization is rather tough
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
for a seasoned user
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
So figure it out when it comes to John Doe or Daya
Pawar !
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
3rd issue
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Mobile Payment are provided as text services
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
So it is not that simple to deliver cross border services
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
that compel the user to enter text on a basic phone keyboard
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Actually why use text services on a phone, when everyone
knows how to use vocal ones?
3 years old
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Based on that analyse we have developed
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
It’s an Internet server application binded with IVR and web contact center software
Entreprises
Individuals
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
That we sell
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
To financial, commercial and administrative institutions and
businesses,
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
that need to empower their customers and benefitors
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
With voice and/or web delivered privative
e-currency services for
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Person to Person remittance, gifting and payment
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Person to Merchant payment
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Face to face as well as at distance
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
End user’s benefits
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Customer subscribtion is matter of 30 seconds with a simple phone call.It requires no software or device installation, nor skill or computing ability
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Simple to use since all services are voice delivered
Welcome to Equitap e-currency service. Your current number is +221 96982323.
If this your account please type 1 or type 2 to enter another account number
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
available with any telephoneMobile, Landline, VOIP, Public,
services need no Web connection
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Paytap vocally delivered services are open to everyone, even illiterate
consumers in their language
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Yet of course the same services are also securely Web delivered
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Subscriber tops his wallet up with :
coupons & loyalty vouchers, prepaid cards cash to agent
Paypal & classical online payment
or by getting instant transfer from another subscriber.
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Services areat reach and accurate
even cross-border24h/24h - 365 d/y
no need to rush to ATMor local branch for cash
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Real time transactionsSecurity & Traceability
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Paytap based e-currency operator’s benefits
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Each operator generates its closed loop privative e-
currency which is available only between subscribers.
It can be customized and rolled out in matter of days.
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
No installation at all on the client edge*
* services available Anytime – Anywhere – Any Device
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Capex near to 0very low Opex easy scalabilityhigher security,
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Security (real time clearing) No repudiation
nor charge back issue*
each Paytap transaction implies payer’s consent signature
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Very Powerful viral Marketing each payer demonstrates the services when transfering to
family or friends
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Enables loyalty program and disruptive one to one CRM
since each operation is automatically binding the
transaction content with its payment.
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Paytap innovative purchasing chanel with a simple phone call ( e-phonestore) helps e-currency circulation in closed loop thus reducing financial
costs for cashing out.
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Sustainable revenue model :e-currency operator collects
fees on each transaction
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
ROI : Business case for 400 000 activ e-Wallets25 transactions 10€ / year average fees 1,5% 1 500 000 €Expenses 530 124 €EBIT : 969 876 €
see detailed spreadsheet in addendum
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Application Fields
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Person to Person money transfer and payment
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Person to Merchant payment on and offline any device
see www.paytap.net/videos
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Privative e-currencies vouchers, loyalty plan,
web-store payment system..
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Disruptive innovative e-commerce solution :e-phonestore enable direct purchasing
anytime anywhere with a simple phone call
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
e-Money, money transfer and micro-finances for developing
countries, BOP* bancarization
* Bottom of the Pyramide : the billion poorest - they today own their mobile phone
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Please try nowOpen your EQUITAP demo e-currency Wallet at
www.paytap.net/equitap
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Jean-Marc Lévy Dreyfus +33 6 1639 6298
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Appendices
On Mobile Payment
• Source : Juniper Networks http://www.businessweek.com/globalbiz/content/jun2008/gb20080618_147746.htm?campaign_id=rss_daily
• Arthur D. Little Sees Mobile Payments Surging Ahead with Distinct Opportunities in Developed and Emerging Markets http://www.pr-inside.com/print1206334.htm
• On BOP by CK Prahalad : http://www.12manage.com/methods_prahalad_bottom_of_the_pyramid.html
On Foreign Remittance
• Source : IFAD 2007 http://www.ifad.org/sf/f/index.htm
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Merchants Associations gifts
affiliated
Merchant Payment, gifts
Prizeswinnings
account owner
Virtual wallet
Profil Home Page Personal vault
Mail, Blog, Forum
Games, Quiz
Registration By telephone
(compulsory)
Prépaidcards
Sponsorspartners
CouponsLoyalty Points
Distributors
Agents DepositTop-up
Bank TransferCard payment
Remittance to a subscriber
Operation via voice or web
delivered services
Secured transactions and social network platform powered by PAYTAP
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Number of activ accounts actifs FTE (2 opérations / month) 400 000
Number of deposit of average 50 € deposit fee of 1 % net 200 000Number of cash withdrawal of average 50 € withdrawal fee of 4 % net 100 000Number of average 10 € payment or transfer from account to account fee of 1,5% 8 000 000
Total Number of yearly transactions 75% voice 25% Web 8 500 000Yearly fees collected by e-currency operator Teranga Rewmi 1 500 000 €
Overall yearly e-currency operator Teranga Rewmi expenses 530 124 €Telecom expenses, IVR hosting fees and Capex amortization 43 933 €Paytap paltform customization and maintenance 6 590 €Internet server, installation, customization, hosting and maintenance 72 000 €User Help Desk expenses 87 601 €
Paytap’s annual royalty 20 000 €Paytap operational fees : 20 % of e-curreny operator collected fees 300 000 €
e-currency operator’s Gross Profit (except marketing expenses) 969 876 €GP in % 64,66%
Teranga Rewmi Senegal Business case – ROI
PAYTAP : web and voice person to person payment and remittance services delivery platform - Paytap SAS © 2009 www.paytap.net
Paytap 3 years target : 100 e-currency platforms
Q3- 2009 Q4 -2009 Q1 - 2010 Q2 -2010 Q3- 2010 Q4 -2010 Q1 - 2011 Q2 -2011 Q3- 2011 Q4 -2011
New operator/ quarter 1 2 5 5 7 10 10 15 20 25Total number of operators 1 3 8 13 20 30 40 55 75 100Number of activ accounts 40 000 136 667 268 333 400 000 531 667 663 333 795 000 926 667 1 058 333 1 190 000Number of activ accounts 0 80 000 273 333 536 667 800 000 1 063 333 1 326 667 1 590 000 1 853 333 2 116 667Number of activ accounts 200 000 683 333 1 341 667 2 000 000 2 658 333 3 316 667 3 975 000 4 633 333Number of activ accounts 200 000 683 333 1 341 667 2 000 000 2 658 333 3 316 667 3 975 000Number of activ accounts 280 000 956 667 1 878 333 2 800 000 3 721 667 4 643 333Number of activ accounts 400 000 1 366 667 2 683 333 4 000 000 5 316 667Number of activ accounts 400 000 1 366 667 2 683 333 4 000 000Number of activ accounts 600 000 2 050 000 4 025 000Number of activ accounts 800 000 2 733 333Number of activ accounts 1 000 000Total activ accounts 40 000 216 667 741 667 1 820 000 3 636 667 6 425 000 10 425 000 15 941 667 23 458 333 33 633 333