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Making Money on the International Top-Up. 200 8. The world is changing. There were the times when it was possible to earn 5-10% on the domestic top-up. Those times are gone.
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The world is changing • There were the timeswhen it was possible to earn 5-10%onthe domestic top-up. Those times are gone. • There still are domestic markets in some developing countries with the 5-8% margin on the top-up, but they are few and narrow. • In the developed markets, the large scale top-up networks reduce the margin to as little as 2%.
The new opportunity: ITU • The International Top-Up (ITU) is the new opportunity to make money. • The MNOs are ready to pay: • 10% in the neighboring countries • 15% in the mainstream tourist countries (e.g. Turkeyand EgyptforEU MNOs) • 25% in less popular tourism countries • Up to 30% in exotic countries
But it’s not easy… • …to create acceptance networks not in domestic countries! • The ITU companies in the new non-domestic markets meet the problems: • There are domestic players already • The foreign countries have their specific and require the knowledge of the market • The new players are not very much welcome
Where is the solution? • It is almost impossible to penetrate a new country’s market alone • It is much easier to do with a help from a domestic top-up network
Bilateral vs. hub Hub concept: • Just one agreement • Just one gateway • Hassle-free operation/maintenance Bilateral relations: • Large number of bilateral agreements negotiations and connections: hundreds of large and thousands of smaller companies to connect • Too many gateways • Unmanageable maintenance and operation
CyberPlat hub solution • 10 years proven technology • Very attractive per transaction prices • Easy connection • Online (1-2 seconds) • Secure (messages are encrypted and EDS signed) • Zurich (Switzerland) based transaction processing center
CyberPlat offer • Processing of the transactions between top-up networks in different countries and/or between top-up networks and MNOs • Cost per transaction: 1 US cent • Real-time online!
Why it is profitable? • $10 top-up in the neighboring country brings a top-up company (at 10%) $1 • The top-up company pays for the transaction processing just 1 cent • The company’s revenue: $0.99
The further – the more • $100 top-up in the exotic country brings a top-up company (at 20%) $20 • The top-up company pays for the transaction processing just 1 cent • The company’s revenue: $19.99
Together is better • Going together, it is possible to earn much more than separately • In a few months, we can create a global top-up system with about 50 companies based in different countries • This system will be very attractive to MNOs • Domestic payment systems could successfully sell the system’s services to the local MNOs
Who needs it? Subcribers: • More people go abroad each year • More subscribers get prepaid • They all have mobile phones • They all need to top-up in roaming MNOs: • Roaming is profitable • Good roaming services are the main competitive edge • Ability to top-up in the roaming is the powerful advantage Top-up companies & retailers: • The tourists are good payers • Commission for ITU is much higher than for domestic top-up
Let’s go together! • Together, we can make a new profitable product in a very short time • Together, we can use it to raise our revenues • So let’s make some money a lot of money together!
Contact information AndreyGribov, PRESIDENT & CEO, CYBERPLAT OJSC Address:Floor 12, Entrance 7, World Trade Center-2, Moscow, 123610, Russia Phone: +7 (495) 967-02-20 Fax: +7 (495) 967-02-08 Website:http://www.cyberplat.com E-mail: gribov@cyberplat.com