masspay int short
TRANSCRIPT
mobile payments for everyfone
Henryk Kulakowski, CEO, Founder
MASSPAY is a pure software mobile payment system that works today on any
phone with unmodified headsets and none of the disadvantages of SMS or NFC
While recognized, validated needs for cash replacement exist, only
complex, limited, and niche solutions have been proposed
with no sustainable business models
MASSPAYWithout involving new parties, or infrastructure upgrades, MASSPAY turns ANY mobile phone into a universal and ready-to use transaction instrument, TODAY
opportunity
the problem: cash is (still) king8 out of 10 payments are cash transactions
9 out of 10 people have mobile phoneand
How to use mobile to compete with cash payments:(1) with minimum new investment, while (2) avoiding undue complexity, and(3) avoiding niche mentality?
the solution
1. Scan the merchant sticker or dial the number
2. Confirm transaction details & authorize the payment
3. Receive confirmation
221003521
MASSPAYPayment $3,99to Coffee Heaven, Market Str. SF(221003521) from HSBC account ($2294)Accept by PIN:0-options
3247
MASSPAYPayment $3,99to Coffee Heaven, Market Str. SF(221003521) is processing. Please wait for SMS confirmation
MASSPAY123456789012Payment $3,99to Coffee Heaven, Market Str. SF(221003521) accepted. Free cake at next order over $5!
from any phone; dedicated app optional
the vision
if you know how to dial you know how to pay
Smart/Hbb TV
E-commerce
Tablet
SmartphoneFeaturephone
POS
ECR
ATMM2M
BroadcastTV/Radio
Printed media
payment
possibilities
Payment % of fee
% of fee
Merchant (Payee)Acquirer
Issuer (Bank)
Clearing &settlements
% of fee
% of fee
MNO
business modelConsumer (Payer)
Payment – Tx
fee
the team
21 industry professionals, 6 widely recognized leadersPreviously with T-Mobile, Nokia, Microsoft, Huawei
FirstData, mPay, GTECH, VISA
founded in 2009Warsaw, Poland
the market
6.8B mobile subscriptions
30%smartphones
with active mobile Internet
NFC
iOS, Android
875B cash transactions(2009, EU+USA)
18% non-cash
masspay
competitors
¾ of the population doesn’t use smartphones
Source: Google 2014
Source: Comscore 2014
e-commerce
Retail paymentsLack of single scenario
Undue complexityLack of universality
Immature infrastructure
Competition is extremely fragmented, requiring new handsets or SIMs, software downloads; and limited to certain networks
P2P transfers
USERS MERCHANTSo Simplicity, intuitiveness
and convenience o Single transaction scenario
(e.g. online & offline use cases)
o Affordability o Bridging the digital divide
o Increased revenues – no lost sales, promotional & loyalty channel
o Reduced operational costs - in cash handling
o Low investment & operational cost, modest implementation effort
o Security and reliability - guaranteed payments
the benefits
IP protection
• Four original inventions• Patents granted– US, Algeria, Morocco, Ukraine, South Africa, New
Zealand, Indonesia, Madagascar, Turkey, Columbia• Patents pending – over 60 countries
• Internet domains, trademarks
international market acquisition
ISSUERS
MASSPAY JV
ACQUIRERS
INVESTORS
MASSPAY Int.
MARKET ACCESSENABLER
PAYE
RSPA
YEES
MNO
