people dont buy products people buy value.docx

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People dont buy products people buy value1.

Executive Summary

Mission statement

Mission for Clients

ASIP dikembangkan untuk melayani kebutuhan Client untuk kemudahan dalam layanan

transaksi perbankan terutama untuk transaksi finansial sehingga akan meningkatkan

pendapatan di luar biaya konvensional.

Mission for End Users

ASIP diharapakan dapat memudahkan nasabah untuk transaksi finansial dimana saja, kapansaja, secara aman, cepat tanpa harus datang ke bank dan tidak ada waktu yang terbuang

Mission for ASIP

ASIP dikembangkan untuk mengakomodasi dan memfasilitasi seluruh layanan perbankan

sehingga lebih efisiensi dan lebih mudah penggunaannya bagi nasabahSimplify financial processing by consolidating services under a single platform.

Facilitate transactions

Tiap orang1.1

ObjectivesASIP Core Objective: Maximize Transaction Volume

Achieved by providing services which facilitate Transactions

Administered by system implementation

Value derived by ASIP clients is a function of the value experienced by end users

as ASIP clients want to give their customers the best value

If value is proven to potential Clients (Via End users), ASIP network gains growth opportunities

1.2 Mission

Expand the ASIP network and its subsidiaries

Promote a banking 'Culture shift' to Create a banking standard for financial services of which ASIP is a

leading provider.

Expansion of the end user base will ensure long term profitability.

Through a greater network, ALTO will have a larger audience to offer further services, such as database

management.

Vision & Strategy

What makes your company unique?What are your core competencies?

Established Network

What kind of market presence do you want?

Pioneer

1.3 Keys to Success

Adoption of services

Demand of services

Initial success is dependent on accumulation of ASIP clients

Further success relies on end-users adopting and using services


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2 Company Summary

Departments

2.1 Company / Industry Background

*Describe Infrastructure which would allow the company to flourish*

By using Alto's established network ...

Traditional methods vs. ASIP benefits

Currently people manage their money through

Banking activities are done through

( Provide current and projected numbers )

3. Services

Internet Banking

Mobile Banking

ATM Forex Exchange

Direct Debit

Virtual Card Number

Biller Gateway

Competitive Edge

Established Networks / Systems / Software

Lower Costs for Banks / Institutions

Consolidated system

ALTO's 15 000 ATM's

Small financial institutions may not be able to afford to develop, implement or maintain the services

that ASIP provides.

ASIP aims to cater to such firms to be more competitive by helping them provide value to theircustomers

Marketing

ASIP is a diverse platform with a range of services to suit various institutions with differing needs.

As such, the value and benefits emphasized to firms will vary

The core Marketing objective of all the services remains education and making sure clients adopt the

services

Education is key as it's adoption effects are exponential. Adoption in turn drives the demand because of

the created 'Standard'.

For instance, Internet banking is currently not popular in Indonesia.

Through educational campaigns, there will be a knock on effect of people teaching and encouragingtheir friends, family and colleagues to use it.

This will ease them into using other services, such as mobile banking and the biller gateway.


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Once this occurs and the means of banking shifts to digital avenues, end users will begin to demand the

services that ASIP offers (creating the standard), encouraging other banks to join the system in order tostay competitive.

Organizations

Management Team

4. Market Analysis Summary

Discover most beneficial stakeholders

4.1 Market Segmentation

Categorize by Services

4.2 Target Market Segment Strategy

E.G. University Cashless Campus

Through education, implementation and demonstrated efficiency, create standard to encourage otherUniversities to adopt system

Partner with early adopters

4.3 Service Business Analysis

4.3.1 Competition and Buying Patterns

5. Strategy and Implementation Summary

5.1 Competitive Edge

5.2 Marketing Strategy

5.3 Sales Strategy

5.3.1 Sales Forecast

5.4 Milestones

6 Management Summary

7 Financial Plan


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Business description

Main purpose

Provide institutions with a comprehensive, expandable financial services package

ASIP makes money through transactions as well as fees that clients pay to use the service

What services

ASIP is a Financial Solutions Package which can facilitate

Internet Banking

Mobile Banking

ATM Forex Exchange

Direct Debit

Virtual Card Number

Biller Gateway

ASIP Helps

Ease Transactions

Provide better service to bank

Expand bank services

Lower costs

Eliminates development costs for smaller firms for implementation of services

Who are customers / suppliers

Depending on services required

Banks, Schools

What role do you play?

Provide Intermediary system

Additional roles outside of core services

Education and promotion

Does Business have growth potential

New modules installed by single institution

New modules created

How profitable can the business become

Indonesia is developing, population growth, financial services needed more


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Profitability can increase by means of:

Growing Client Network

Increase in Volume of transactions

As such, ASIP has an interest in adoption of technologies and boost transaction numbers.

It would be beneficial for customers to adopt ASIP in their monetary / financial activities

as such, value, convenience and incentives must be emphasized to all parties.

Barriers to adoption must be addressed by education campaigns

Vendors and clients are crucial to encouraging uptake

Factors affecting success:

Rate of service adoption, Demand

Educating customers of technology, providing/demonstrating benefits

Create demand for services by shifting traditional methods

What will business be in 5 years

Demand from end users

Adoption

Transaction Volume


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Business environment analysis

Political Factors

Policies, Tax Law, Tariffs, Legislation concerning Financial Services

Economic Factors

Inflation, Interest

Social Factors

Culture, Demographics

Technological Factors

Required Technology / Infrastructure

Legal Factors

Environmental Factors

SWOT analysis

Strengths

100 Partners with biller gateway

Weaknesses

Opportunities

Established biller network

Threats

Industry background

Competitor analysis

Market analysis

Marketing plan

Operations plan

Management summary

Financial plan

Attachments and milestones

Profit Center

End users vs. ASIP Clients

I.

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