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TransferTo is a B2B mobile payment network connec>ng financial ins>tu>ons and mobile operators globally.
Leading Cross-‐Border Mobile Payment Company
Working with 1,000 companies Partner with 400+ mobile operators in 100+ countries
Established in 2005 Licensed in the UK Authorised Payment Ins>tu>on regulated by FCA in the UK Investors include Ingenico, leading payment solu>ons provider
50+ million transacEons in 2015 SeMling 130 currencies.
Global reach, local presence • Singapore • London • Dubai • San Francisco
• Miami • Barcelona • Mexico City • San Salvador
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TransferTo’s Mobile Money solu>on builds on our decade of experience in mobile air>me, where we have established a leading posi>on enabling the global transfer of prepaid mobile credits.
TransferTo Mobile Money and AirEme Hub
Mobile Money
Mobile AirEme
FINANCIAL INSTITUTIONS
MOBILE OPERATORS 400+ MOBILE OPERATORS
MOBILE MONEY OPERATORS
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As simple as an SMS, Interna>onal Mobile Air>me complements Money Transfer
InternaEonal Mobile AirEme
Choose Amount
Choose Top-‐up amount: 1. $1 = 45 PHP 2. $2 = 90 PHP 3. $3 = 135 PHP 4. $4 = 180 PHP Reply with 1, 2, 3 or 4
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Confirm
Y
You are about to Send 90 PHP to +639343487348 you will be charged $2. Please reply Y to confirm, N to cancel
Recipient number
Enter recipient number
Send
+639343487348
SENDER No registra>on required. Just use recipient mobile number.
Done
You have successfully sent 90 PHP to +639343487348 You have been charged $2 <Ref: 123456B>
Real Time
You have just received 90 PHP of airEme from +141524644444
Delivered immediately even to the most remote loca>on.
RECIPIENT
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Simplest, cheapest, and most convenient way to send less than $20
A Low Cost – High Value Personal Gie to anyone
Useful gie Meaningful values making significant contribu>ons to the daily life of the receiver
Full control The sender restricts the use for a given purpose. Amounts star>ng as low as $1.
High Recurrence Over 3 transac>on a month in average
Unregulated No cash back – No refund – Not a money transfer service
2 MONTHS of air>me
$10
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With more than 271 services deployed in 93 countries globally, mobile money is giving hundreds of millions of people access to financial services, while offering new business opportuni>es for financial ins>tu>ons and mobile operators.
Two Billion Unbanked -‐ Mobile is disrupEng Cash
Global Mobile Money Accounts (Millions) 271 Mobile Money Services in 93 Countries
Two or more mobile money services
One mobile money service
Mobile money service expected in 2015
0
200
400
600
800
1000
1200
2014 2015 2016 2017 2018 2019 2020
300M
411M
1B
Source: WorldBank – GSMA 2015 -‐ Juniper
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Agents remain the physical backbone and face of mobile money to digi>ze and disburse cash (versus ATMs, banks, etc.), represen>ng more than 90% of the cash-‐in and cash-‐out footprint.
Mobile Money: Large and growing agent network
0
500,000
1,000,000
1,500,000
2,000,000
2,500,000
3,000,000
3,500,000
WESTERN UNION AGENT LOCATIONS
POST OFFICES COMMERCIAL BANK BRANCHES
ATMS MOBILE MONEY AGENTS
500,000 501,000 524,000
1,376,000
3,200,000
1 Billion Mobile money providers processed 1 billion transac>ons in December 2015, double what PayPal processed globally
Changing the Landscape 37 markets now have 10x more registered mobile money agents than bank branches
Cash-‐out from the largest domesEc agent network
Source: GSMA 2015
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Mobile Money services offer convenience, accessibility and security to consumers.
Mobile Banking and Payment Services on the Phone
Unique soluEon for small value Convenient & cost effec>ve for transac>on as low as $20 to mul>ple family members Real Time Funds arrive in few seconds 24/7 – senders get immediate confirma>on
POS PAYMENTS
CASH OUT
P2P TRANSFER
MOBILE AIRTIME
Money Balance: KES 10541.81 Type 1-‐ Pay BILL 2-‐ Buy AirEme 3-‐ Send to a friend 4-‐ Pay at Store 5-‐ Cash out
BILL PAYMENTS
Client tesEmonials 9
JOHN KUNZE President and CEO
Thanks to TransferTo’s cuhng-‐edge technology and global presence, we are able to quickly and conveniently launch interna>onal mobile phone recharge to most of the countries where we send money.”
“
JEREMY DE SMET COO at Moneytrans
Thanks to TransferTo's Mobile Money Hub, we are able to quickly and conveniently launch Mobile Money services for our customers. This addi>onal step toward technology fits in with our strategy to become a leader on the African corridor where mobile money has become a must”
“
RONALD ALVARENGA Mobile Financial Services Director at Millicom
TransferTo will allow Tigo Money to accelerate Interna>onal remiMances business into our digital wallets, by connec>ng more and more remiMance partners around the world, in less >me and offering a reliable, fast and secure way for customers to receive their money”
“
MICHAEL JOSEPH M-‐Pesa Director at Vodafone Group
TransferTo has the global reach, network of partners and assured compliance required that we need as we con>nue to rapidly scale interna>onal money transfers with financial ins>tu>ons and mobile operators worldwide, enabling our users to receive funds from even more countries globally”
“
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With a single keystroke, TransferTo Mobile Money enables a direct real-‐>me money transfer to a mobile phone, anywhere in the world.
InternaEonal Mobile Money – Typical integraEon
Money Balance: KES 10541.81 Type 1-‐ Pay BILL 2-‐ Buy AirEme 3-‐ Send to a friend 4-‐ Pay at Store 5-‐ Cash out
SENDER Provides Mobile Money Account phone number and KYC info
RECIPIENT Uses funds securely from their Mobile
Enter the details of your transfer, including the amount you wish to send or that your beneficiary should receive abroad.
AMOUNT TO SEND AMOUNT TO RECEIVE
Payment Method
4114-‐XXXX-‐XXXX-‐6785
Des>na>on Country
Kenya
PayOut Op>ons
Mobile Money
Currency
KES – Kenyan Shilling
*1 USD = 105.418 KES
Amount To Send
100 USD
Transfer Fees
Amount To Receive
TOTAL PAID
2.99 USD
10541.81 KES
102.99 USD
Supported Mobile Money Accounts
Recipient Details
First name Last name
Recipient Phone Number
+254737062944 Bank Transfer Cash Pickup
Mobile Money Transfer
Air>me Mobile Money AirEme
OK, SEND MONEY!
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Simple, cost effec>ve, and scalable
Access to a Global Mobile Money Payment network
Single Commercial Rela>onship
Single Technical Interface
Single Opera>onal Process
Single SeMlement
Single Compliance Framework
FINANCIAL INSTITUTION
MOBILE MONEY OPERATOR #3
MOBILE MONEY OPERATOR #1
MOBILE MONEY OPERATOR #2
Mobile Money
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Strong compliance engine -‐ Real-‐>me transac>on – Daily seMlement
Mobile Money Hub: US & EU compliant
Compliance
RouEng
ConnecEvity
FX/Serlement
Regulator
Sender Country
Regulator
Receiver Country UK
FCA
SENDER
TRANSFERTO Bank Account
RECEIVING Bank Account
SENDING Bank Account
Funds in & KYC
FINANCIAL INSTITUTION
Funds out & KYC
MOBILE MONEY
OPERATORS
RECIPIENT
Regular Due Diligence Assured compliance for all relevant regulatory requirements
Authorized by FCA in the UK Under the Authorized Payment Ins>tu>on license (# 720167)
Hosted in Europe Datacenter and Bank Account
Real-‐Eme Mobile Money Account VerificaEon To guarantee beneficiary funds delivery
Daily FX rate & serlement Suppor>ng +130 currencies
Key CharacterisEcs and Features:
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Established relaEonships with world leading companies
100+ GLOBAL FINANCIAL INSTITUTIONS 400+ MOBILE NETWORK OPERATORS AND MOBILE MONEY OPERATORS
Thank you! [email protected]
GSMA MEMBER
Mobile Money for the Unbanked
RECIPIENT OF THE 2014
African Air>me Transfer Product Leadership Award
SELECTED BY FINOVATE NYC
Global Mobile Money Payment Hub
AWARDED
Financial Inclusion Product of the Year
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Senders have full control, funds are spent for the purpose ini>ally intended.
Real-‐Time Goods & Services TransacEons
POWERED BY
OVER 500 LOCATIONS NATIONWIDE
3 Receiver pays at store using the voucher code
GENERIKA
VOUCHER CODE: 5343-‐3675-‐5343-‐6434
STATUS: Valid AMOUNT: PHP 200
Confirm Payment
1 Send pharmacy vouchers from abroad
SENDER
Y
GIFTS
Generika Voucher:
Pay USD 3
PHP 200
2 Receives the voucher instantly on any mobile
RECEIVER
Generika PHP 200 Voucher PIN: 5343-‐3675-‐5343-‐6434
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