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Advisory Board PresentationPayroniks Introduction - © 2013, All Rights Reserved, Paytroniks 1

INTRODUCTIONPRESENTATIONNovember 2013Plano, Texas, USAVersion 1.0

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Paytroniks

• Identify efficient integration of emerging technologies and concepts into the payments ecosystem.

• Identify best launch and development strategies of emerging payment solutions.

• Identify strategic partners and vendors.

• Apply industry best practices in the development and launch of emerging payments solutions.

• Develop a sustainable business case for emerging payments solutions.

• Identify and monitor future tendencies in the payments industry and corresponding markets.

Who are we?Paytroniks is a consultancy exclusively dedicated to research and evaluation of emerging payments solutions.

Main objective is to position companies as leaders in the market and in the offering of emerging payments solutions.

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What Are Emerging Payments?Definition

• Prepaid Products

• Mobile Payments• Money Transfer

• Online Payments

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Paytroniks’ Focus

• Prepaid Products

• Mobile Payments

• One of the fastest growing segments in emerging markets.

• Solutions targeted at market niches.

• Introductory product for unbanked sector.

• Several verticals: gift, payroll, general purpose, etc.

• Worldwide, 5 billions cell phones versus 1 billion bank accounts.

• Most ubiquitous technology in humankind's last 20 years.

• Despite opportunity in payments industry, still in incipient stage with very few market leaders.

Definition

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Paytroniks Service Offering

Growth Strategies

Solution Optimization

Product Development

Market Studies

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Product Development• Identification of markets and geographies where emerging payments

solutions will have the greatest probabilities of success.• Identification of merchants and industries where emerging payments

solutions will have the greatest probabilities of success.• Suggestions on development of functionalities that will differentiate

emerging payments solutions from the competition.• Identification of key partners for the most efficient development

and launch of emerging payments solutions: operators, processor, banks, commercial establishments, vendors, acquirers, distributors, public transportation systems, media channels, and others.

• Evaluation and qualification of potential vendors.• Identification of the best payment instruments (funding account)

for emerging payments solutions.• Identification of the best communication channel for emerging

payments solutions.• Application of Project Management Institute (PMI) standards in the

development of emerging payments solutions.

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Growth Strategies• Identification of best registration procedures for emerging

payments solutions users.• Identification, design, and implementation of incentives that

will result in more users and greater payment volumes.• Identification and communication of key messages in marketing

and promotional campaigns.• Identification and incorporation of best practices from

solutions already launched in other countries and regions.• Expansion strategy of emerging payments solutions into other

merchant categories, industries, markets, and geographies.• Identification of the best distribution channels for emerging

payments solutions.• Review of financial plan and Profit and Loss statement to

evaluate profitability and long term growth of any emerging payments solutions.

• SWOT Analysis of your product with the goal of having a proactive approach against any strategic movements by competitors.

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Solution Optimization

• Implementation of best risk and fraud control tools for emerging payments solutions.

• Implementation of best user-authentication procedures.

• Evaluation of chargeback tendencies.• Adherence to banking regulations as directed by

central authorities.• Identification and resolution of key customer

service issues.• Adherence to PCI standards.• Monitoring of future industry trends.• Drafting of an effective communications strategy

and representation of clients at regional and global industry trade events.

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Market Studies

• Qualitative studies composed primarily of focus groups used to validate the value proposition of any emerging products solution. Often used to draft an effective launch or re-launch of any solution as data can be used to identify key marketing messages .

• Quantitative studies consist of surveys which can be used to measure product awareness and to assess if marketing communications channels being used are the most appropriate ones. Can also be helpful in identifying barriers to adoption of a solution that has already been commercialized.

• Market segmentation analysis identifying the core users of the solution and in the process identifying key attributes that are strong drivers of revenue growth.

• Identification of key barriers to growth bases on individual peculiarities of target market and specific geographies.

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Value Added Proposition

Growth Strategies: A sound growth strategy will allow solutions to become profitable in the least time possible in a sustainable and efficient manner. This will allow maintenance of a leadership position in the market on a consistent basis.

Solution Optimization: The optimization of the solution’s operation will ensure that it complies with all regulatory bylaws and with all mandated industry standards of the electronic payments industry. It will also allow the incorporation of innovative technologies with ease ensuring long term growth. Lastly, optimization will result in a higher average revenue per user.

Product Development: The development of unique emerging payments solutions will result in a marked differentiation with the competition’s offering. A strong product offering will also result in a faster mass adoption or “tipping point” by the market.

Market Studies: Market studies will validate different functionalities for any emerging payments solution, identify new growth opportunities, and ensure that key product messages are being communicated effectively.

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In conclusion…

Paytroniks offers companies a complete consultancy with the objective of providing solutions that have sustainable growth and

high probabilities of success in the marketplace. Our services will allow solutions to achieve critical points of

adoption in the shortest time possible and in parallel deliver a superior value added proposition to value chain participants.

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Joe Frisz – Founder and Partner• MBA in General Management, Boston University,

1999.• 15 years professional experience, including:

• Responsible for the implementation of the first proximity payment (NFC) solution in Latin America (Guatemala).

• Responsible for the implementation of prepaid card solutions throughout Latin America and the U.S.

• Participation in the implementation of various mobile payment solutions in Latin America (Peru and Brazil).

• Experience in marketing merchant payment (acquiring) services in the United States.

• Experience in selling upscale credit card products in the United States and the Caribbean.

• Point person for the development of a growth strategy for Visa mobile products in the Latin American region.

• Experience working at American Express, Visa, Fidelity National Information Services and Merchant Data Systems.

• Presenter and speaker at conferences sponsored by the Latin America Association of Banks (Felaban).

• Guest lecturer at the Andreas School of Business, Barry University, Miami, FL.

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Client Portfolio

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Global Partner – Insight Consultancy

• Insight Consultancy is Paytroniks’ global partner that provides cross consultancy services as well as support services for large projects or consultancies whose scope is beyond emerging payments.

• Subject matter expertise in the following categories:• Card portfolios• Fraud and Regulation• Cardholder loyalty• Card operations and chargebacks• Marketing strategies• Europe, U.S., and Emerging Markets Experience• Training services also available

• Headquartered in the United Kingdom with satellite offices in Madrid, Miami, and Singapore

• Founded in 1999• For more information visit www.insight-consultancy.com

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INTRODUCTIONPRESENTATIONNovember 2013Plano, Texas, USAVersion 1.0

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