Impact of the new financial infrastructure to development of economy Moscow, Russia, 10 September...
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Impact of the new financial infrastructure to development of economy Moscow, Russia, 10 September 2012 ITU Workshop on “ICT Innovations in emerging economies”
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Impact of the new financial infrastructure to development
of economy
Moscow, Russia, 10 September 2012
ITU Workshop on “ICT Innovations in emerging economies”
www.cyberplat.com2
Companies provide services to all segments of the population
average income network nature of the services
middle cost services
high cost services
low cost services
www.cyberplat.com3
The average amount of the payment
Country ARPU
Russia $4
Russia (Moscow) $10
Russia (Regions) $3
Ukraine $2,5
India $1,1
Central Asia $1
A new economy needs a less costly financial infrastructure to collect micropayments
www.cyberplat.com4
Payment Technologies
www.cyberplat.com5
Organizational scheme of payment
Banks
Retail
PharmaciesPost
Gas stations
Mobile shops
Terminal holders
Telephone
operators
Internet providers
TV
Tickets Repayment of loans Utilities
Affiliate Network
Service Providers
www.cyberplat.com6
The main components of efficiency
Automation of all processes from receiving payments to financial clearing between partners;
Low cost of first connection for a new partner to CyberPlat;
Lower support costs of participation in the reception of payments using CyberPlat;
Providing for partners turnkey solutions and software components;
A large number of supported hardware: payment terminals, cash, POS, ATMs;
The high speed and reliability transaction`s processing;
Using electronic documents with partners.
www.cyberplat.com7
Supported Hardware and Technologies
cash register
Internet
terminals
3G, GPRS, dial-up
open API
bank`s systems
PC
POS terminal
mobile
www.cyberplat.com8
Process of Payment to Recharge Mobile Account
www.cyberplat.com9
Reliability and safety
RSA RSAInternetSSL
Information Security:
Reliability of the technical platform:
main DATA Center reserved DATA Center
main channel
reserved channel
Internet
Financial liability of IT-staff:
www.cyberplat.com10
Payment Book
Telephone
operators
Internet providers
TV
Tickets
Repayment of loans
Utilities
Service Providers
Registration
Payments
Payment BookSubscriber
Save payment pattern;
Auto payments;
Payments from linked credit card or mobile;
Save the change on balance Payment Book.
Service is efficient even for payments less than $1
www.cyberplat.com11
Turnkey solutions CyberPlat
Transfer the change on phone
Parking pay
SaaS micro payment
Insurance policy as a check
www.cyberplat.com12
Social Mission
Bridging the Digital Divide
More then 50% payments in the system of CyberPlat do not exceed $3
Payment`s distribution in Russia
www.cyberplat.com13
Contact information
Sergey Tarasov,Senior Project Manager, CYBERPLAT OJSC
Address: Floor 12, Entrance 7, World Trade Center, Moscow, 123610, Russia
Telephone: +7 (495) 967-02-20Fax: +7 (495) 967-02-08Internet: http://www.cyberplat.comE-mail: [email protected]
