p2p cash investor presentation 9-1
DESCRIPTION
P2P Cash Trusted Agents via the Trusted Agent Network (TAN) provide mobile banking to 3 billion unbanked cell users worldwide.TRANSCRIPT
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Copyright 20010P2P Cash, INC. All rights reservedⓒ
The “VISA” of Mobile Banking
Strategic Business Overview
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RETAILER SERVICES
Money TransferInitiation Disbursement
POS Payment ProcessingCredit CardDebit CardP2P Cash
Internet PurchasesIndependentCustomer Driven
ATM Disbursement
P2P Cash Funding
3 Billion Mobile Phone Users have NO Access to Traditional Financial Services
Both Banks and Wireless Carriers are Pursuing Immense International Market
P2P Cash TAN -ZERO COST Patent Pending Method to Service Any Bank/Carrier
TAN- Trusted Agent Network- Turns Corner Retailer into Corner Banker
FREE Cellphone Software to Retailer/Agent
Turns Cellphone into Combination ATM/POS/Western Union Terminal Enabling:
•Micro-Loans/Insurance
•Utility Bill Payment04/12/23 Slide 2
P2P Cash Overview
Privileged and Confidential
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• 3 Billion Cellphone Users are Un-Banked– Inefficient Cash ONLY Economies
• Micro-Finance and Cash Transfer– Lack Efficient Electronic Networks– Extremely Fragmented- NO Standards– No Economies of Scale
• Consumer Suffers– Pays Too Much for Inefficient Services
Worldwide Problem-NO Financial Services
04/12/23 Slide 3Privileged and Confidential
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FREE Trusted Agent Network (TAN) Software Enables Retailers to:
• Issue/Accept Cash like an ATM machine • Process a Credit/Debit Card Transaction (POS) • Accept Payment of Consumer Utility Bills• Cash Transfers: International or Domestic• Micro-Finance Loans and Repayments• Micro-Insurance Policies• Service Any Bank/Any Carrier Mobile Wallet
Solution- FREE TAN Software
04/12/23 Slide 4Privileged and Confidential
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04/12/23 Slide 5
TAN Software Replaces Expensive Devices
TAN Agent Software Replaces ATM/POS/Western Union Terminal- All Expensive and Require Landline
Privileged and Confidential
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Any Retailer Becomes a Micro-Banker
04/12/23 6
Any Retailer Can Make Micro-Loan or Sell Micro-Insurance
Privileged and Confidential
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Any Retailer Becomes a Micro-Banker
04/12/23 7
Any Retailer Can Accept Any Loan, Utility or Insurance Bill Payment
Privileged and Confidential
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Entire Financial Services Value Chain Benefits:• Customers
– Dramatically Lower Financial Service Costs– More Convenience: Banking on every Street Corner
• Banks/Carriers/Insurance Agents– Lower Costs, Lower Risks, More Distribution
• Retailers
– New Revenue Sources- Micro-Finance, Money Transfer, ATM/POS Fees, Micro-Insurance
TAN Standards Benefit Everyone
04/12/23 8Privileged and Confidential
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TAN Aggregates Retailers to Serve ANY Customer
Google/Amazon Clouds
P2P Cash Atlanta Data
Center
Any Bank MWallet
•TAN Retailer Services Any Bank/Carrier’s Customer mWallet•Real-Time Redundancy and Backup Via Google/Amazon “Clouds”•World Class Security VPN Monitors All Transactions in Real Time
Any Carrier mWallet
Any Retailer
04/12/23 9Privileged and Confidential
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P2P Cash Technology
04/12/23 10
Western Union
Gateway
ACH/SWIFT Gateway
P2P Cash Mobile Gateway
WesternUnion
WesternUnion Any BankAny Bank
P2P HubP2P Hub
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Consumer
Privileged and Confidential
$ TAN Agent
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1950 Diners Club
Forms
04/12/23 11
VISA: Financial Services Aggregation Works*
1970VISA Forms
2010Market
Share Today
*Relative Worldwide Market Size and Share Represented by Circle Size
Privileged and Confidential
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VISA Banks Forced Retailer Aggregation
04/12/23 Privileged and Confidential 12
Sears
WalMart
Consumer Demand for Convenient Credit Forced Retailers’ Acceptance of VISA,
NOT Profit!*
*US Retailers Pay $ Billions Annually to Banks (3% Interchange Fees)
Banks Retailers
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• TAN Aggregates Both Retailers and $ Providers– Cost Effective Distribution to Financial Servicers – AND Financial Incentives to Retailers as TAN Agents
• Same Aggregation Model as VISA, BUT with Profit Incentive to Retailers, NOT Cost
• Cash Transfers/Micro-Loans Drive Consumers into the Retailers’ Store via Cell Text Messages:– “You’ve Got Cash!”– “Get Cash at Your Local TAN Agent”
• Retailer LOOKS like a Bank to the Consumer– World Bank Branchless Banking Concept
TAN Aggregates Agents AND Service Providers
04/12/23 Privileged and Confidential 13
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How TAN Aggregates Retailers/$ Providers*
04/12/23 Privileged and Confidential 14
$ Providers TAN Agents
World Bank
“You’ve Got Cash!”
*Note: There is NO COST to Either the TAN Agent or Financial Service Provider to Participate in the TAN Network
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• Aggregate Distribution in Target BRIC+ Countries – Partner with Large Retail Distribution Networks
– Retailers Get NEW TAN Agent Revenue Source
• Aggregate Financial Services ($) Providers– Money Transfer from Sending Countries
– Micro-Finance/Insurance Get Inexpensive Distribution
• ALL Benefit from Low Cost Access to New Customers
Result: The Consumer is the Main Beneficiary!
Strategy: Aggregate Retailers/Service Providers
Slide 1504/12/23 Privileged and Confidential
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P2P Cash Mobile Payment Cloud
ACH
Financial Institutions
Mobile Electronic Wallets & Clearinghouses
Telecommunications Carriers
Mobile Payment CloudMonitoring & Reporting
Electronic Payment Standards
Mobile Payment
Gateway • Clearing• Settlement
04/12/23 Slide 16Privileged and Confidential
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• Competing Technologies: POS, Money Transfer and ATM Terminals:
• TOO Expensive -Require Landline• NOT Convenient for the Consumer• TOO Fragmented to Reach Economies of Scale of FREE
• Competing Clearing Hub– Belgacom-
• Big Telecom -No Processing/Money Transfer Experience
• Located in Country without Functioning Government
• VISA/MC/Western Union/Money Gram• All Potential Licensees/Partners of P2P Cash
Competition
1704/12/23 Privileged and Confidential
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• Unique Retailer Aggregation Strategy– Focus on Retailer/Distributor TAN Agent Benefits– All mWallets Sell to a Single Bank or Carrier– TAN Services ALL of Them as Retail Service Aggregator
• Patents– Patents Pending Globally
• Partnerships– World Bank Support – Large Retail Distributors-Rapid Low-Cost Global Footprint
• World Class Management Team– International Processing/Mobile Wallet Experience
Unique Competitive Advantages
04/12/23 18Privileged and Confidential
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The P2P Cash Team
World-Class Team100+ Years of Telecommunications, Payments and Retailing Expertise•CEO: Tom Meredith – Serial Entrepreneur: Financial Services, Tele-communications; Harvard MBA, Stanford Engineer•COA: Robert Horne- Serial Entrepreneur, Harvard MBA, Director- Nortel Networks Ventures; Chairman- Internet Security Company, NetActive•VP Business Development: Alex Boeller – 15 years of experience with mobile payments and services with Etisalat, Utiba and Wirecard.•VP Marketing- Kern Lewis- 25 Years Experience Marketing Financial Services: American Express, Great Western Bank, World Savings Bank; Harvard MBA•CTO: Morris Mwanga – Director of IT at Mobile Banking company, Mobile Pay; Competitor to M-Pesa, mobile wallet market leader. International Banking and Telecom programming expertise.•Technology Advisor: Jacques Gilbert – Banking background, First Data/Western Union- Chief Architect and Mobile Strategist
Slide 1904/12/23 Privileged and Confidential
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• Closed Contracts:– Micro-Finance- Philippines– Largest Transaction Processor-Russia
• Closing Contracts Q3:– Telecom and Bank – Haiti – $10M Gates Prize Opportunity - Haiti– Retail TAN Distribution - Cameroon
• Trials in India, Bangladesh, Pakistan –Q3• Acquired Mobile Payment Patent (Pending)
P2P Cash Status Update
2004/12/23 Privileged and Confidential
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P2P Cash Summary
21
• Aggregate Retailers Worldwide into TAN- Trusted Agent Network
• Retailer Becomes Convenient Trusted Agent Micro-Banker/Insurance Agent
• Convenient ATM/Cash Transfer Services to ANY Bank/Carrier Customers
• Consumers can Make Micro-Loan, Pay Bills or Send Cash to ANY Cell Phone Worldwide
• Patent Portfolio- Competitive Barrier
• Large International Contracts Pending
• Proven World Class Management Team
04/12/23 Privileged and Confidential
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Copyright 2010P2P Cash, INC. All rights reservedⓒ
The “VISA” of Mobile Banking
Strategic Business Overview