Cross- Border Mobile Payments. Company Profile April 2016

Transcription

1 Cross- Border Mobile Payments Company Profile April 2016

2 Leading Cross- Border Mobile Payment Company TransferTo is a B2B mobile payment network connec>ng financial ins>tu>ons and mobile operators globally. 2 Working with 1,000 companies Partner with 400+ mobile operators in 100+ countries 50+ million transaceons in 2015 SeMling 130 currencies. Established in 2005 Licensed in the UK Authorised Payment Ins>tu>on regulated by FCA in the UK Investors include Ingenico, leading payment solu>ons provider Global reach, local presence Singapore Miami London Barcelona Dubai Mexico City San Francisco San Salvador

3 TransferTo Mobile Money and AirEme Hub TransferTo s Mobile Money solu>on builds on our decade of experience in mobile air>me, where we have established a leading posi>on enabling the global transfer of prepaid mobile credits. 3 MOBILE OPERATORS 400+ MOBILE OPERATORS Mobile AirEme Mobile Money FINANCIAL INSTITUTIONS MOBILE MONEY OPERATORS

4 InternaEonal Mobile AirEme As simple as an SMS, Interna>onal Mobile Air>me complements Money Transfer 4 SENDER No registra>on required. Just use recipient mobile number. RECIPIENT Delivered immediately even to the most remote loca>on. Enter recipient number Send Choose Top- up amount: 1. $1 = 45 PHP 2. $2 = 90 PHP 3. $3 = 135 PHP 4. $4 = 180 PHP Reply with 1, 2, 3 or 4 2 You are about to Send 90 PHP to you will be charged $2. Please reply Y to confirm, N to cancel Y You have successfully sent 90 PHP to You have been charged $2 <Ref: B> You have just received 90 PHP of aireme from Recipient number Choose Amount Confirm Done Real Time

5 A Low Cost High Value Personal Gie to anyone Simplest, cheapest, and most convenient way to send less than $20 5 Useful gie Meaningful values making significant contribu>ons to the daily life of the receiver 2 MONTHS of air>me Full control The sender restricts the use for a given purpose. Amounts star>ng as low as $1. High Recurrence Over 3 transac>on a month in average $10 Unregulated No cash back No refund Not a money transfer service

6 Two Billion Unbanked - Mobile is disrupeng Cash With more than 271 services deployed in 93 countries globally, mobile money is giving hundreds of millions of people access to financial services, while offering new business opportuni>es for financial ins>tu>ons and mobile operators Mobile Money Services in 93 Countries Global Mobile Money Accounts (Millions) B M M 200 Two or more mobile money services One mobile money service Mobile money service expected in Source: WorldBank GSMA Juniper

7 Mobile Money: Large and growing agent network Agents remain the physical backbone and face of mobile money to digi>ze and disburse cash (versus ATMs, banks, etc.), represen>ng more than 90% of the cash- in and cash- out footprint. 7 Cash- out from the largest domesec agent network 3,500,000 3,000,000 2,500,000 3,200,000 1 Billion Mobile money providers processed 1 billion transac>ons in December 2015, double what PayPal processed globally 2,000,000 1,500,000 1,000, , , , ,000 1,376,000 Changing the Landscape 37 markets now have 10x more registered mobile money agents than bank branches 0 WESTERN UNION AGENT LOCATIONS POST OFFICES COMMERCIAL BANK BRANCHES ATMS MOBILE MONEY AGENTS Source: GSMA 2015

8 Mobile Banking and Payment Services on the Phone Mobile Money services offer convenience, accessibility and security to consumers. 8 Money Balance: KES Type 1- Pay BILL 2- Buy AirEme 3- Send to a friend 4- Pay at Store 5- Cash out BILL PAYMENTS MOBILE AIRTIME P2P TRANSFER POS PAYMENTS Unique solueon for small value Convenient & cost effec>ve for transac>on as low as $20 to mul>ple family members Real Time Funds arrive in few seconds 24/7 senders get immediate confirma>on CASH OUT

9 Client tesemonials 9 Thanks to TransferTo s cuhng- edge technology and global presence, we are able to quickly and conveniently launch interna>onal mobile phone recharge to most of the countries where we send money. Thanks to TransferTo's Mobile Money Hub, we are able to quickly and conveniently launch Mobile Money services for our customers. This addi>onal step toward technology fits in with our strategy to become a leader on the African corridor where mobile money has become a must JOHN KUNZE President and CEO JEREMY DE SMET COO at Moneytrans TransferTo has the global reach, network of partners and assured compliance required that we need as we con>nue to rapidly scale interna>onal money transfers with financial ins>tu>ons and mobile operators worldwide, enabling our users to receive funds from even more countries globally TransferTo will allow Tigo Money to accelerate Interna>onal remimances business into our digital wallets, by connec>ng more and more remimance partners around the world, in less >me and offering a reliable, fast and secure way for customers to receive their money MICHAEL JOSEPH M- Pesa Director at Vodafone Group RONALD ALVARENGA Mobile Financial Services Director at Millicom

10 InternaEonal Mobile Money Typical integraeon With a single keystroke, TransferTo Mobile Money enables a direct real- >me money transfer to a mobile phone, anywhere in the world. 10 SENDER Provides Mobile Money Account phone number and KYC info RECIPIENT Uses funds securely from their Mobile Enter the details of your transfer, including the amount you wish to send or that your beneficiary should receive abroad. AMOUNT TO SEND Payment Method XXXX- XXXX Des>na>on Country Kenya PayOut Op>ons Mobile Money Bank Transfer Cash Pickup Currency Mobile Money Money Transfer KES Kenyan Shilling Air>me AirEme Amount To Send *1 USD = KES AMOUNT TO RECEIVE 100 USD Transfer Fees Amount To Receive TOTAL PAID Recipient Phone Number Recipient Details First name Supported Mobile Money Accounts Last name OK, SEND MONEY! 2.99 USD KES USD Money Balance: KES Type 1- Pay BILL 2- Buy AirEme 3- Send to a friend 4- Pay at Store 5- Cash out

11 Access to a Global Mobile Money Payment network Simple, cost effec>ve, and scalable 11 MOBILE MONEY OPERATOR #1 Single Commercial Rela>onship FINANCIAL INSTITUTION Mobile Money MOBILE MONEY OPERATOR #2 Single Technical Interface Single Opera>onal Process Single SeMlement Single Compliance Framework MOBILE MONEY OPERATOR #3

12 Mobile Money Hub: US & EU compliant Strong compliance engine - Real- >me transac>on Daily semlement 12 Sender Country UK Receiver Country Key CharacterisEcs and Features: Regulator FCA Regulator Regular Due Diligence Assured compliance for all relevant regulatory requirements SENDER FINANCIAL INSTITUTION Funds in & KYC Compliance RouEng ConnecEvity FX/Serlement MOBILE MONEY OPERATORS Funds out & KYC RECIPIENT Authorized by FCA in the UK Under the Authorized Payment Ins>tu>on license (# ) Hosted in Europe Datacenter and Bank Account Real- Eme Mobile Money Account VerificaEon To guarantee beneficiary funds delivery SENDING Bank Account TRANSFERTO Bank Account RECEIVING Bank Account Daily FX rate & serlement Suppor>ng +130 currencies

13 Established relaeonships with world leading companies GLOBAL FINANCIAL INSTITUTIONS 400+ MOBILE NETWORK OPERATORS AND MOBILE MONEY OPERATORS

14 GSMA MEMBER AWARDED Financial Inclusion Product of the Year Mobile Money for the Unbanked RECIPIENT OF THE 2014 SELECTED BY FINOVATE NYC Global Mobile Money Payment Hub African Air>me Transfer Product Leadership Award Thank you!

15 Back Up Slides

16 Real- Time Goods & Services TransacEons Senders have full control, funds are spent for the purpose ini>ally intended Send pharmacy vouchers from abroad 2 Receives the voucher instantly on any mobile 3 Receiver pays at store using the voucher code GIFTS Generika Voucher: PHP 200 POWERED BY Generika PHP 200 Voucher PIN: OVER 500 LOCATIONS NATIONWIDE GENERIKA VOUCHER CODE: STATUS: Valid AMOUNT: PHP 200 Confirm Payment Y Pay USD 3 SENDER RECEIVER

17 Seamless mule- channel integraeon 17 API Simple and comprehensive POINT OF SALE Off- the- shelf web POS interface ONLINE Turnkey web solu>on MOBILE Mobile app and mobile websites