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Stealth mode company we've been working on. Now semi-stealth, as if you've found this you've waded through my long-winded bio...
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“Empowering Base of the Pyramid (BoP) households by leveraging technology
to provide human services”
Alison Wise Founder & [email protected]: wisealf
Team Alison Wise, Founder & CEO: 20 years in the CSR,
renewables/clean tech and innovation space including NREL, Clean Edge and numerous public and private sector companies, board of several Indian non-profits; BA, MBA.
Tero Brandstaka, CRO: Finnish citizen, two master’s degrees, 8 years in agriculture and 10 years financial stability in retail banking, lived in Asia and Africa for 7 years;
Srivatsan Sivanandan, CSO : A quant-creative, experience in business strategy, venture finance, and supply chain, with start-ups and MNCs across three continents; BE, MEM.
Fredrik Olrog, COO : Decade in renewables, currently Managing Director at O2 Bio, Sweden; professional sailor; MBA.
Landscape & Addressable Market
Energy/Health/Goods & Services
20%
Food/Water/Education/
Others80%
SynchronEcomarket
• 4.5 billion people at "the base of the pyramid" ($5 per day or less) represent a $15 trillion economy
•This economy currently is largely penetrated by technologies that have costly side effects
•Or where conditions are such that no exchange exists but barter or extreme poverty
A ~$70 billion opportunity!
Situation in India Typical expense split
Capturing ~20% of this market will make SynchronEco a ~$15 billion business!
BoP pain pointsLack of affordable access to clean water
Lack of affordable access to healthcare
Lack of affordable access to electricity
Lack of affordable access to capital
Our Solution
SynchronEco Basket ICT + Udyamis BoP households
Value Proposition
Device Manufacturer Last-mile entrepreneur Rural household
Access to a huge niche market Opportunity to earn a regular income Affordable access to essential services
Data insights on consumer psyche Become influential within community No more tradeoffs on expense decisions
Proven market need minimizes risk Create businesses based on platform Productivity gain for the household
Potential Impact
SynchronEco Elements
SynchronEco“Udyamis”
Franchise owners of SynchronEco System
SynchronEcoPower
SynchronEcoMicroCredit
Union
SynchronEcoHealth
SynchronEcoStore
Business model summary
End customers1. BoP households
2. Last mile entrepreneurs
3. New device manufacturers
4. Corporate CSR
Customers
End customers
1. Partnering with self-employed groups
2. Enhancing CSR for corporates
3. Providing sustainable livelihood to BoP households
4. Opening new untapped markets for start-ups in energy/health/finance
Value Provided
End customers1. Via last mile entrepreneurs
2. Ongoing demand fulfillment
3. Acquiring plus retaining both Udyamis & end consumers
Customer relationships
End customers
1. Udyamis will leverage their existing relationships
2. They will buy products/services via mobile kiosks and/or small format stores
3. Will partner with 3PL providers to handle distribution
4. End consumers will be educated about the energy and health care savings that service adoption entails
Channels
End customers$$$ x Quantity
CSR consulting
Pricing – pay-per-use for end customers
Quantity – Aggressive about Udyami recruitment
Revenus estimate of $2.5M in year XXX
Revenues
End customers
1) Recurring resources
2) Staff salary/benefits
3) Customer & Udyamiacquisition
4) Inventory holding / JIT
5) Payment processing services
6) Equipment capital
Pilot cost estimate is $750k
Costs
End customers
1) SynchronEco CEO’s 5K professional network
2) Diversity within team
3) Prior start-up experience
4) Cleantech experience
5) Social impact experience
6) Business skills (4MBAs)
7) PPP focus
Key Resources
End customers
1) Fundraising (VC, II, Corp)
2) Business model iteration
3) Business plan iteration
4) Pitch deck iteration
5) ID Udyami pipeline
6) ID first-entry markets
7) Pick hands and legs of pilot
Key Activities
Key Partners
1) Advisors2) Funders3) Corporations4) Work-development
organizations5) Philanthropy6) R & D 7) Impact start-ups
SynchronEco growth stages
Pilot with mature technology participants
50 (udyamis) TBD
Proof of concept in order to build franchising concept
(200-> 5,000 udyamis)
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2014 2015 - 2018
Global franchising business built on top of a rigorous Franchise Disclosure Document
(10,000 100,000 udyamis)
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2019 -
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. . .
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Launch Strategy
Corporate Partnerships
Clean Tech VC
Social Impact Investors
We offer an efficient and
effective way to address
philanthropic and aid-
based activity with a profit-
motive engine, creating a
sustainable “ROI”
Financial model and projections
Investment: $10 million
IRR of 57%
Revenue scenarios
$0
$10
$20
$30
$40
Pilot Year 1e Year 2e Year 3e Year 4e
Optmistic
Base
Pessimistic
SynchronEco will make for a lucrative investment even with conservative projections
U$ 000's Pilot e Year 1e Year 2e Year 3e Year 4eAnnual revenue 122 1,468 4,892 14,676 29,352
Energy Services 15 180 600 1,800 3,600 Health Services 5 64 212 636 1,272 Mercantile Services 102 1,224 4,080 12,240 24,480 Banking Services - - - - -Data/ Analytic Servises - - - - -
No of Udyamis (not in 000’s) 50 600 2,000 6,000 12,000
Income after financial items - 119 2,230 2,302 6,139
Pilot Funding Planning, staffing up: $500,000 USD
Equipment and logistics: $250,000 USD
Customer Service Points (CSPs) are agents for traditional banks in-
field with mobile banking services
http://www.cgap.org/data/india-banking-agents-survey-2012
-- We plan to focus on tracking the organic growth in the # of Udyamis before raising again
-- Also, track revenues and on-the-ground social impact to report impact metrics
Back Up Slides
Who• Slide 14: Advisers
What• Slides 15-16:
Overview of UVP and economic assumptions
How• Slides 17-26:
Details of Udyami“Day in the Life, information on Elements of SynchronEcoPlatform (Health, Power, Store, MicroCreditsystems)
When-Slide 27 Platform Development
Why--Slide 28 “Moore’s Law” of SynchronEco
Advisers Bruce Cahan Visiting Scholar at Stanford
University, TEDxNewWallStreet, Ashoka
(Many others taking the opportunity under consideration)
SynchronEco
Unique Value
PropositionUsing 21st Century technology
and platforms to leap-frog
economic development
strategy
- Distributed Clean Energy
- ICT for finance, commerce and health
SynchronEcoMicroCredit
Union
SynchronEcoServices & Store
SynchronEcocustomers for
microfinancial, health, charging
services, & clean tech appliances
Fees, interest and dividends to
financiers
New Micro Payments, Loans and Investments
Overview
Economic Development “Base”
Basic Assumptions/ Realities
What if providing the basics for economic development
(healthcare, water, power) was entrepreneurial, so
economic development was not a result of
entrepreneurism but inherent?
SynchronEco “Elements”: Entrepreneurs or “Udyamis”
SynchronEco“Udyamis”
SynchronEcoPower
SynchronEcoMicroCredit
Union
SynchronEcoHealth
SynchronEcoStore
— Franchise owners and operators recruits
— Trained on platform tech and service offerings; in-field nomadic store, smartphone & apps for exchanges, clean powered
— Recruitment: We recognize the importance of a robust strategy here and plan strategic networking and outreach including to business organizations, i.e. Self-Employed Women’s Association (SEWA), an Indian trade association, with 9.7 MM members
End customersEnd customers
Udyami Day in the LifeNomadic franchise;
goods and equipment travel to
remote areas/markets
Brick-and-mortar storefront is a solar tent for charging services; smartphones and apps for finance and health services; appliances for purchase
SynchronEco “Elements”: Power
SynchronEco“Udyamis”
SynchronEcoPower
SynchronEcoMicoCredit
Union
SynchronEcoHealth
SynchronEcoStore
“Nomadic Clean Power Plant”
SynchronEco Power Main Focus1. To supply renewable energy to the Udyamis enabling operation of the customer interface. 2. To sell renewable energy to it’s customers, for charging cellular phones and operating other appliances. 3. Offering multiple types of standard systems that provide plug & perform and energy storage solutions for off-grid and micro grid applications. (thru SynchronEco Store)
Average Daily Output = 1125 Watt Hours (iPhone app. 4-6Wh)
SynchronEco UdyamipackA 3.4 watt solar panel back pack that is waterproof, lightweight and durable. Weighs only 2500 grams incl. a 60 watt hour battery. One hour in direct sun provides up to 30 minutes of run time on a laptop. 1.5 hours of direct sun powers a complete cell phone charge. Bag made of recycled PET bottles.
SynchronEco Power PackA 120 watt foldable solar pack with military spec. Will supply plug & perform to customers appliances or to a charge a customers battery. Can be optimized for different voltage/watts/amps. Weighs sub 3kg (6.5lbs)
SynchronEco UdyamiShadeA 300 watt foldable solar tent with a average daily output of app. 1125 watt hours (takes app. 5 watt hours to charge an iPhone). Will provide shade/shelter and the foundations to a Udyamis when SynchronEco Store is open for business. Weighs 27lbs.
SynchronEco “Microcredit Union” Unregulated microfinance caused financial
instability and central bank intervention in 2012
The Andhra Pradesh bubble
Reserve Bank of India (RBI) regulation
Interest rate cap of 26%
Capital adequacy ratio of 15%
We appreciate the new financial stability
We have a decade of working with the credit process and the financial supervision authority behind us
RBI registration
Microfinance license in 2014
Full banking license in 2019
SynchronEco“Udyamis”
SynchronEcoPower
SynchronEcoMicroCredit
Union
SynchronEcoHealth
SynchronEcoStore
Our Credit Processes
”Grameen” ”Non-Grameen”
Debtors guarantee each other Debtors DO NOT guarantee eachother
Default rate can be brought close to zero Default rate will stay much higher, upto 30%
Interest rate can be brought down if lending volume can be scaled up (interest income will cover loan officers’ salaries)
Will have to price at maximuminterest rate (26%)
Social fabric will be destroyed in event of defaults (case Andhra Pradesh) Social fabric will be spared in eventof defaults
We can offer both models. Our debtors’ IRR will be much higher than 26% as the assets whose purchase wefinance are extremely productive assets.
• Use of existing microfinance IT platforms such as M2 in the pilot to reduce operational risk• Access to funding from American and European banks and funds• In the microfinance industry 90% of lending goes to finance consumption
This cannot support high interest rates Our model is vendor finance
Financing only productive assets Excellent IRR for debtor, can support interest rates
Cutting edge environmental and health technology• Flexibility in our credit processes
SynchronEco“Udyamis”
SynchronEcoPower
SynchronEcoMicroCredit
Union
SynchronEcoHealth
SynchronEcoStore
SynchronEco “Elements”: Health CURENT PROVIDERS
National Rural Health Mission (NRHM) Gram Panchayat (5-6 villages) Primary Health Centers (30-40 villages) Community Health Centers (100 villages)
NGOs AYUSH (Ayurveda, Yoga & Naturopathy, Unani,
Siddha, & Homeopathy) Informal Practitioners
OUR SOLUTION
Mobilize last mile entrepreneurs to serve as conduits Forge partnerships with entrenched players Leverage the power of ICT Prioritize and provide “top 5” essential health
services Close the loop via our in-house store
SynchronEco “Elements”: Store
SynchronEco“Udyamis”
SynchronEcoPower
SynchronEcoMcroCredit
Union
SynchronEcoHealth
SynchronEcoStore
Clean Tech appliances, and other electronics that make “home based business” more efficient like mobile devices and solar lighting , available through Udyamis’ “Amazon.com” model of virtual inventory shipped to POS
SynchronEco StoreOff-Grid Drop Shipping Based Web Store
Sells product
Pays retail price & shipping fee
CustomerSynchronEco-Store
Comp
Inc.
Product manufacturer/
wholesale supplier
SynchronEco System Requirements
SynchronEco Platform
SynchESTORE
SynchEHEALTH
SynchEPOWER
Pilot SynchronEco ($$)
+Udyami ($)
Power Health Store
•Pay-as-you-go
subscriber model/ pay at
SyncE udyami’s tarp for
charging services
•Lay-way plans for solar
home lighting solutions
(consultations on
optimal product)
•Wholesale bargain
from manufacturer
and/or
• Revenue share per
device sold
•JIT inventory
•Service fee from BoP
household shared with
local partner
•No incentive to own
device
•Referral fee from
clinics/hospitals
Financing/Banking Services for the ecosystem
SynchronEco Platform Development
2014
2015 - 2018
2019 -
Fingerprint identification
Aakash Tablets to udyamis Aakash Tablets to customers
SIM POS for udyamis Electronic wallets to customers
SynchronEco Power SynchronEco Health SynchronEco Store
Internet and phone services for both udyamis and their customers
SynchronEco MERCHANT accounts for udyamis
SynchronEco BANK accounts for customers (capital-lite in Basel III, full compliance with Indian FSA, bank infrastructure from fiserv)
Crowdfunding
SynchronEco franchise disclosure agreement for Power, Health and Store
Expansion
Microfinance license with Reserve Bank of India
M2 Microfinance IT system (cost around USD 5 000)
Bespoke IT system
Full banking license with Reserve Bank of India
SynchronEco “Moore’s Law”Continuous improvement to
platform based on data from
udyamis should yield
increasing
performance/market reach
exponentially as we maintain
replicability standards. By
providing both the resources
to acquire and the
services/product(s), we
accelerate the model, while
establishing exclusives with
vendors as first movers to
protect competitive
advantage.