Copyright 20010P2P Cash, INC. All rights reservedⓒ
The “VISA” of Mobile Banking
Strategic Business Overview
RETAILER SERVICES
Money TransferInitiation Disbursement
POS Payment ProcessingCredit CardDebit CardP2P Cash
Internet PurchasesIndependentCustomer Driven
ATM Disbursement
P2P Cash Funding
3 Billion Mobile Phone Users have NO Access to Traditional Financial Services
Both Banks and Wireless Carriers are Pursuing Immense International Market
P2P Cash TAN -ZERO COST Patent Pending Method to Service Any Bank/Carrier
TAN- Trusted Agent Network- Turns Corner Retailer into Corner Banker
FREE Cellphone Software to Retailer/Agent
Turns Cellphone into Combination ATM/POS/Western Union Terminal Enabling:
•Micro-Loans/Insurance
•Utility Bill Payment04/12/23 Slide 2
P2P Cash Overview
Privileged and Confidential
• 3 Billion Cellphone Users are Un-Banked– Inefficient Cash ONLY Economies
• Micro-Finance and Cash Transfer– Lack Efficient Electronic Networks– Extremely Fragmented- NO Standards– No Economies of Scale
• Consumer Suffers– Pays Too Much for Inefficient Services
Worldwide Problem-NO Financial Services
04/12/23 Slide 3Privileged and Confidential
FREE Trusted Agent Network (TAN) Software Enables Retailers to:
• Issue/Accept Cash like an ATM machine • Process a Credit/Debit Card Transaction (POS) • Accept Payment of Consumer Utility Bills• Cash Transfers: International or Domestic• Micro-Finance Loans and Repayments• Micro-Insurance Policies• Service Any Bank/Any Carrier Mobile Wallet
Solution- FREE TAN Software
04/12/23 Slide 4Privileged and Confidential
04/12/23 Slide 5
TAN Software Replaces Expensive Devices
TAN Agent Software Replaces ATM/POS/Western Union Terminal- All Expensive and Require Landline
Privileged and Confidential
Any Retailer Becomes a Micro-Banker
04/12/23 6
Any Retailer Can Make Micro-Loan or Sell Micro-Insurance
Privileged and Confidential
Any Retailer Becomes a Micro-Banker
04/12/23 7
Any Retailer Can Accept Any Loan, Utility or Insurance Bill Payment
Privileged and Confidential
Entire Financial Services Value Chain Benefits:• Customers
– Dramatically Lower Financial Service Costs– More Convenience: Banking on every Street Corner
• Banks/Carriers/Insurance Agents– Lower Costs, Lower Risks, More Distribution
• Retailers
– New Revenue Sources- Micro-Finance, Money Transfer, ATM/POS Fees, Micro-Insurance
TAN Standards Benefit Everyone
04/12/23 8Privileged and Confidential
TAN Aggregates Retailers to Serve ANY Customer
Google/Amazon Clouds
P2P Cash Atlanta Data
Center
Any Bank MWallet
•TAN Retailer Services Any Bank/Carrier’s Customer mWallet•Real-Time Redundancy and Backup Via Google/Amazon “Clouds”•World Class Security VPN Monitors All Transactions in Real Time
Any Carrier mWallet
Any Retailer
04/12/23 9Privileged and Confidential
P2P Cash Technology
04/12/23 10
Western Union
Gateway
ACH/SWIFT Gateway
P2P Cash Mobile Gateway
WesternUnion
WesternUnion Any BankAny Bank
P2P HubP2P Hub
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Consumer
Privileged and Confidential
$ TAN Agent
1950 Diners Club
Forms
04/12/23 11
VISA: Financial Services Aggregation Works*
1970VISA Forms
2010Market
Share Today
*Relative Worldwide Market Size and Share Represented by Circle Size
Privileged and Confidential
VISA Banks Forced Retailer Aggregation
04/12/23 Privileged and Confidential 12
Sears
WalMart
Consumer Demand for Convenient Credit Forced Retailers’ Acceptance of VISA,
NOT Profit!*
*US Retailers Pay $ Billions Annually to Banks (3% Interchange Fees)
Banks Retailers
• TAN Aggregates Both Retailers and $ Providers– Cost Effective Distribution to Financial Servicers – AND Financial Incentives to Retailers as TAN Agents
• Same Aggregation Model as VISA, BUT with Profit Incentive to Retailers, NOT Cost
• Cash Transfers/Micro-Loans Drive Consumers into the Retailers’ Store via Cell Text Messages:– “You’ve Got Cash!”– “Get Cash at Your Local TAN Agent”
• Retailer LOOKS like a Bank to the Consumer– World Bank Branchless Banking Concept
TAN Aggregates Agents AND Service Providers
04/12/23 Privileged and Confidential 13
How TAN Aggregates Retailers/$ Providers*
04/12/23 Privileged and Confidential 14
$ Providers TAN Agents
World Bank
“You’ve Got Cash!”
*Note: There is NO COST to Either the TAN Agent or Financial Service Provider to Participate in the TAN Network
• Aggregate Distribution in Target BRIC+ Countries – Partner with Large Retail Distribution Networks
– Retailers Get NEW TAN Agent Revenue Source
• Aggregate Financial Services ($) Providers– Money Transfer from Sending Countries
– Micro-Finance/Insurance Get Inexpensive Distribution
• ALL Benefit from Low Cost Access to New Customers
Result: The Consumer is the Main Beneficiary!
Strategy: Aggregate Retailers/Service Providers
Slide 1504/12/23 Privileged and Confidential
P2P Cash Mobile Payment Cloud
ACH
Financial Institutions
Mobile Electronic Wallets & Clearinghouses
Telecommunications Carriers
Mobile Payment CloudMonitoring & Reporting
Electronic Payment Standards
Mobile Payment
Gateway • Clearing• Settlement
04/12/23 Slide 16Privileged and Confidential
• Competing Technologies: POS, Money Transfer and ATM Terminals:
• TOO Expensive -Require Landline• NOT Convenient for the Consumer• TOO Fragmented to Reach Economies of Scale of FREE
• Competing Clearing Hub– Belgacom-
• Big Telecom -No Processing/Money Transfer Experience
• Located in Country without Functioning Government
• VISA/MC/Western Union/Money Gram• All Potential Licensees/Partners of P2P Cash
Competition
1704/12/23 Privileged and Confidential
• Unique Retailer Aggregation Strategy– Focus on Retailer/Distributor TAN Agent Benefits– All mWallets Sell to a Single Bank or Carrier– TAN Services ALL of Them as Retail Service Aggregator
• Patents– Patents Pending Globally
• Partnerships– World Bank Support – Large Retail Distributors-Rapid Low-Cost Global Footprint
• World Class Management Team– International Processing/Mobile Wallet Experience
Unique Competitive Advantages
04/12/23 18Privileged and Confidential
The P2P Cash Team
World-Class Team100+ Years of Telecommunications, Payments and Retailing Expertise•CEO: Tom Meredith – Serial Entrepreneur: Financial Services, Tele-communications; Harvard MBA, Stanford Engineer•COA: Robert Horne- Serial Entrepreneur, Harvard MBA, Director- Nortel Networks Ventures; Chairman- Internet Security Company, NetActive•VP Business Development: Alex Boeller – 15 years of experience with mobile payments and services with Etisalat, Utiba and Wirecard.•VP Marketing- Kern Lewis- 25 Years Experience Marketing Financial Services: American Express, Great Western Bank, World Savings Bank; Harvard MBA•CTO: Morris Mwanga – Director of IT at Mobile Banking company, Mobile Pay; Competitor to M-Pesa, mobile wallet market leader. International Banking and Telecom programming expertise.•Technology Advisor: Jacques Gilbert – Banking background, First Data/Western Union- Chief Architect and Mobile Strategist
Slide 1904/12/23 Privileged and Confidential
• Closed Contracts:– Micro-Finance- Philippines– Largest Transaction Processor-Russia
• Closing Contracts Q3:– Telecom and Bank – Haiti – $10M Gates Prize Opportunity - Haiti– Retail TAN Distribution - Cameroon
• Trials in India, Bangladesh, Pakistan –Q3• Acquired Mobile Payment Patent (Pending)
P2P Cash Status Update
2004/12/23 Privileged and Confidential
P2P Cash Summary
21
• Aggregate Retailers Worldwide into TAN- Trusted Agent Network
• Retailer Becomes Convenient Trusted Agent Micro-Banker/Insurance Agent
• Convenient ATM/Cash Transfer Services to ANY Bank/Carrier Customers
• Consumers can Make Micro-Loan, Pay Bills or Send Cash to ANY Cell Phone Worldwide
• Patent Portfolio- Competitive Barrier
• Large International Contracts Pending
• Proven World Class Management Team
04/12/23 Privileged and Confidential
Copyright 2010P2P Cash, INC. All rights reservedⓒ
The “VISA” of Mobile Banking
Strategic Business Overview
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