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Corporate Presentation December 2013 . About Oxigen. B2B, IT enabled transaction and payment processing platform Investments from Indian promoters & Blue Label Telecom South Africa Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services
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AboutOxigen • B2B, IT enabled transaction and payment processing platform • Investments from Indian promoters & Blue Label Telecom South Africa • Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services • Seamlessly networked environment through a rapidly expanding retail network of : • Over 130,000 Oxigen touch points • Government lead portals & Banking Web/ WAP sites and Banking mobile apps. • Currently at 30million real time transactions a month.
OXIGEN Milestones Company Started Operations 2004 • 4 Services • 100 Outlets-Delhi only 2005 • 19 services • 20000 Touch points • Citi Group Ventures (USA) invested in Oxigen 2006 • Direct to Home satellite added • 28 Services • 35000 touch-points 2007
OXIGEN Milestones • Added Oxigen Wallet, India’s First e-Wallet (accessible from • Mobile and Online) • Introduced Travel Services, totaling 30 Services • 50000 touch-points • Microsoft partners with Oxigen as a Strategic Investor 2008 • Added Toll Tag payments, Built Connectivity to Bank portals , • CSE’s & International Aggregators • 38 Services • 60000 touch points 2009 • Roll out of SBI Kiosk Banking • 75000 touch-points • Planned by 2010 end- Bank Open Oxigen Wallet on Oxigen Wallet • platform • Money transfer and P2P Payments 2010
OXIGEN Milestones • Launched Insurance services • Signed agreement SBI for launch Of MobiCash, a white labeled –prepaid mobile wallet • Launched OxiSmart, a new Point of Sale Terminal, with battery back up and in built GPRS 2011 • Extended Oxigen services across multiple white label websites and WAP sites, • like Ncarry, Nimbuzz, Airtel Money, Tata MRupee • Launched the beta service of State Banks Mobile wallet SB MobiCash • Built merchant services for banking web and WAP portals like HDFC, SBI, • ICICI, ING Vyasa and more • Launched Mini ATM cum Point of Sale terminal OxiShaan, for rural India • Added Hungama Movies and Music downloads as a service on POS, • Mobile and Web • Won the tender and implemented the new Government CSC portal with • added features of merchant payments • Beta launch of Visa co branded Aadhaar card at Oxigen retail 2012/3
Oxigen Business Universe Customer Segments B2B Oxigen Retailers B2C Consumer Services Modern Retail/Banks/ Rural Retail Chains Services and Solutions Recharges (Mobile/DTH/Broadband) Travel Services (Air, Rail, Bus) Money Transfers Bill Payments Entertainment & Sports E-Commerce & Online Shopping Banking & Insurance Cash Management Merchant Payment International Remittance Wallet Platform & Mobile Applications Merchant Acquisition
Oxigen Ecosystem Today • Prepaid Services • Mobile • Internet/Broadband • TV (DTH) • Warranty • Entertainment • Toll Un-organized Retail MOM & POP STORES GROCERY STORES SMALL CYBERCAFES STATIONARY SHOPS CHEMISTS Organized Retail CHAIN STORES PETROL PUMPS SUPER MARKETS/MALLS INTERNET CHAINS Telecom Retail TELECOM RETAIL CHAINS TELECOM SHOPS PCO’s Non-Traditional Channels HOUSING COMPLEXES COLLEGES/HOSPITALS/BPOS0 Banks International Retail SMS & IVR Gateway • Postpaid Services • Mobile/Fixed line • Internet/Broadband • Utilities • Payments • Travel (Air/Rail/Bus) • E-Commerce • Retail/Consumer Payments Transaction & Service Delivery Platform • Wallet • Virtual (on mobile) • Physical (cash cards) • White Label (Banks/Telcos) Consumer • Banking Services • NO Frills A/c opening • Cash-in/Cash-out/transfer • Remittances (Dom./Intl.) • Wallet Top-ups Oxigen Server Access Phone Line/Internet/CDMA/GPRS/SMS POS PC Mobile Retail Devices
Service Aggregation Business Model Oxigen - Retailer The Channels Consumer POS Terminal PC Mobile SMS/GPRS • Retailer Benefits • Inventory in cash, only to the extent of daily sales • Investment in only one device i.e. Terminal, PC, Mobile for all services including recharges, bill payment, ticketing and now banking/remittance • Full audit trail and MIS and real time reconciliation of balance with each transaction
Oxigen Services Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment DTH, Music, Cinema, Travel, Deals, Utilities, Toll, Classifieds, Banking Kiosk Banking
Key Corporate Distribution Partners Rural Kiosks Chain/Mobile Banking Switches & International Aggregators Banks & Wallets Corporate Retail Chains
Central Government of India • The Common Services Center Scheme is a part of the ambitious National e-Governance Plan . • Front end delivery outlets for delivery of Government as well as Private Sector services • Especially aimed for India’s half a billion unbanked & unserved rural population. • CSC Portal which has been developed & powered by Oxigen is used by 100,000 centers located all over India. • Varied 3rd party integrations done with multiple agencies.
Services on Oxigen (Rail Travel) www.oxirail.com
Oxigen White label at ICICI Bank http://www.icicibank.com/online-services/quick-shopping/index.html
Oxigen Whitelabel at HDFC Bank mobile site http://m.hdfcbank.com
Oxigen White Label at SBI www.onlinesbi.co.in @ Oxipay
New Mobile Value Added Services being added by Oxigen 1.Mobile Content 2.Music : Nokia Handsets 3.Music: All Handsets 4.Movies streaming 5.Handset and Tablet Warranty 6.Laptop warranty
Product Roadmap Banking services through Wallets and BC Model August 2013
Banking The Unbanked SBI has appointed Oxigen as a Banking Correspondent for Rural Kiosk Banking for opening bank accounts and cash deposits/ withdrawals/ transfers through Oxigen-enabled Customer Service Points (CSPs)
Money Transfer to 60+ Banks through Oxigen Wallet website using Oxigen Mobile Wallet
Click on ‘Instant Money Transfer’ • Select from Options: • Wallet to Any Bank (MMID) • Wallet to Any Bank (Account Number)
Wallet to Any Bank (Account Number) Select Wallet to Any Bank (Account Number) option
Wallet to Any Bank (Account Number) • Enter Oxigen Mobile Number • 6 Digit Password
Wallet to Any Bank (Account Number) • Enter Beneficiary Account Details • Enter Amount
Wallet to Any Bank (Account Number) • Click on Continue
Wallet to Any Bank (Account Number) • Customer receives OTP on his registered mobile number Text message From LMOxCash Dear User, Pl. use OTP 305840 on www.oxicash.in/moneytransfer to authorize money transfer. OTP is valid for 1 hrs sent 03:34 hrs on 02/05/13
Wallet to Any Bank (Account Number) • Enter OTP and click on transfer
Wallet to Any Bank (Account Number) • Transaction successful message will be displayed on the screen
Text message From LMOxCash You’re a/c no. XXXXXX1371 is debited for Rs.50 on 02-05-13 and a/c XXXXXXXX2561 credited (IMPS Ref no 312203154633). Oxigen Wallet Service Customer will also get successful transaction message on his registered mobile number
Using IFSC Code Customer Sends below mentioned message from the registered mobile number to the long codes 9870888888 or 9971888888 as a simple sms: IMPS*BeneficiaryAccountNumber*IFSC Code *Amount*OxigenWalletPassword*Remark For Example: IMPS*006690600000280*ICIC0002378*100 *123456*Test (where, IMPS is the keyword, 006690600000280 is the beneficiary bank account number, 100.50 is the amount to be transferred, Oxigen Wallet Password is 123456, and the Remark field is Test)
Oxigen Smart Terminal Faced with the challenges of connectivity and cost of GPRS Terminal, Oxigen decided to develop its own terminal keeping in mind market need and futuristic application It has taken over 18 months to develop the terminal and the commercial deployment has already commenced with 40,000 PoS already deployed. The basic model is built such that it can be upgraded to include functionalities such as Magnetic Swipe Card, NFC, Biometric.
Oxigen POS Entry Level Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Airtel Money cash-in Insurance/Music/Warranty OxiShaanOxiSmart GPRS PoS with Battery BackUp & Printer No Magnetic Swip or Smart Card use
OxiSmartAadhaar* POS Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Saral Money VISA Cash in/ Cash Out through Aadhaar Money Transfer Insurance/Music/Warranty Airtel Money/Vodafone mPesa GPRS PoS with Battery BackUp & Printer No Magnetic Swip or Smart Card use, Biometric Authentication for KYC and Banking transactions
Rural Phone POS with Aadhaar Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Saral Money VISA Cash in/ Cash Out through Aadhaar Money Transfer Insurance/Music/Warranty GPRS PoS with Battery BackUp, No Magnetic Swip or Smart Card use, Biometric Authentication for KYC and Banking transactions Also doubles up as mobile phone function in rural areas Airtel Money/Vodafone mPesa
Oxigen Universal POS Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Merchant Payment - IMPS/RuPay Saral Money VISA Merchant Payment - MasterCard/VISA Cash In/Cash out through Aadhaar Money Transfer Insurance/Music/Warranty Airtel Money/Vodafone mPesa NFC/Magnetic Swipe/Smart Card enabled (Supporting Rupay/MasterCard/Visa)
Square like App Cash In through IMPS Cash Out through IMPS Utility Services (Recharges/BillPay) Merchant Payment - IMPS Merchant Payments RuPay/Visa/MC/Amex