paybymobile, pitch - liam lowe
TRANSCRIPT
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07
ATM
Shop Online
Money Transfer
BillPay
mobile moneymobile money
virtual wallet that works on 63m UK mobile phones
everyone has a mobile phone
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1st & #1
mobile option
£150 depositexpress checkout
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£10 2 secs Free Any 2 mins Free
can also collect payments, e.g.
winnings
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= PAYOUTS= PAYOUTS
Scan 4
√ INSTANT ACCESS TO WINNINGS
parallel banking channelin shops
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+ Bill Pay+ Bill Pay
#'m
#'000
#'000
2/3rds bills paid OTC
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SMS Bill PaySMS Bill Pay
Msg 12:57 pmTo: 51525----------------------EDF 35.34
PAID
no scanning, no queue, no paper
Msg 12:48 pmFrom: 51525----------------------new EDF bill, €35.34 due, has arrived atwww.paybymobile.netLogin to view, Text to pay.
√ PAPERLESS BILLING
Customers can get with discounts of up to 9% if they:
6% if they pay by direct debit and sign up to online billing another 3% if they sign up for gas, pay by direct debit and sign up for online billing
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Jan 12 Jun 12 Sep 12 Dec 12
2012 roll-out 2012 roll-out
Sales Vertical
Distribution Channel
Regulatory Licence& transaction limits
€150 €5,000
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P&LP&L
fees/interest0.50%consumers
Net Margin1.50%
Overhead0.75%push funding/zero fraud& pull marketing
Gross Margin2.25%
Distribution1.25%
Revenue3.50%
3% + 30c3.00%retailers
50 X @ €20m annual volumes
€15,000
7,500
22,500
12,500
35,000
5,000
30,000
€’000
= €1 billion
2014
retailers drive volumes
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When €'000 Who For
2010/11 Build €750kPrivate Investors
€1.5m
€1m Platform BuildUS & Int. Patent & Biz Dev
2012/13 Launch
750 €350k Reg capital
500€650k UK launch & working capital to 2014
€1.25m
€2m
€ €1.25m Launch Round 1.25m Launch Round
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Oran Kelly, CTO
Liam LoweCEO, Sales
Simon ThomasOwner
Hippodrome Casino
Brendan HeneghanPartner
William Fry
John RoeChairman
First Ireland
non-execs
teamteam
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remote payments niche remote payments niche
fatigueeasy
value
cost
e-wallets
prepaid cardscellphone
billing
It works!It works!
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