Ssente - A Better, Smarter, and Simpler Cashless Payment Solution

1. SSENTE make life better, smarter and simpler.

2. Ssente is a better, smarter and simpler cashless and stressless way to pay, through our mobile app and platform we aim to solve the problem of expensive, rigid and inflexible payments, with our seamless easy to use ecosystem, with simplicity in mind. at the moment the mobile market is expanding and mobile penetration in kenya is on a steady rise with puts ssente in a position to capitalize on this growth to provide its services

3. Meet the Team. Bruce Mareri Brenda Mareri Founder CEO Co-Founder COO Experience in IT, currently pursuing a phd in computer science Experience in project management human resource and planning,

4. Our Proposition. Huge Market in Mobile payments Strong Vision Vision Simple Pricing Model with No commitment Free App registration that is Easy and Convenient High Future valuation of services High Revenue High Productivity Statistics from appendix 2 Strong Integrated Business Solution

5. Our Product. We provide buyers, merchants and vendors and easy to use and robust platform for financial service delivery transaction and inclusion. As simple as scan choose amount and send User Desires Operating Principles Technology Key Differentiators Send receive money to anyone Efficient money service with VAS Affordable P2P transaction Modern Efficient Easy Service Customer Centric Platform Improved End User Experience (App, Web, API) Transactions – mobile app, web app, scan static/dynamic QR , chat, choose amount, payment tracking Security – Biometric, PIN, ID Commerce – transactions stored on platform securely . User rating tracking and analysis User Authentication/ validation Fast response time High tech VAS platform Integration with POS / ERP / CRM Modular design

6. The Market. Market changes Opportunity Our Position Traditional mobile money payments are tied to Telcom vendors No elaborate mobs with integrations SME & ecommerce still need robust payment methods High costs of interests and service charge on transactions Flexibility of payments is still limited Integrations with various VAS Scalable across vertical and horizontal markets b2c c2c c2b Low cost of use to target many clients

7. Value to User. We offer the simplest, safest and convenient way for payments transactions. A payment platform with value added services. Lower tariffs / interest rates. With service flexibility and operating rules Use Cases Daily convenience payments P2P payments and transfers Value added utility payments Subscriptions payments and premium services

8. Customer Acquisition. Through social network marketing strategy we target users looking for an easier, affordable and reliable method of payment Target Customers Small Businesses Individual sellers City /utility services VAS providers Tech savvy peers who want to transact with money Estimated Growth Selling Point Advertisement & Marketing • Easy convenient daily use • No hidden charges • Cross platform • Online social media and internet marketing • Traditional physical print and visual media for maximum exposure and minimum cost • 500- 10,000 users • Consumer growth based on word of mouth and reference • Retail growth through SME vendors

9. Competition and Defensibility. Establish a digital / mobile and web presence to give Ssente a competitive edge with an inclusive service

10. User and Customer Acquisitions Various advertising channels we propose to use to capture more market growth at each level of our growth cycle WORD OF MOUTH, VIRAL SOCIAL MEDIA, WEBSITE ADS DISTRIBUTION PARTNERS DIRECT EMAIL PR SEO INTERNET ADS MATURITY LAUNCH GROWTH AFFILIATE NETWORKS MUTUAL PARTNERS OPT IN LIST SERVERS EVENTS PERSONAL LISTS PR TACTICS PRINT AND VISUAL MEDIA ORGANIC SEARCH

11. Key Risks and Precautions

12. Business Model History Usage Network Market deals GPS locations Vouchers Cheap rates Loyalty points High quality user data Variable Rates and offers High Profit and User Potential Such as: Fee type: From: Based on: AI based suggestions User acquisition User Switch referral fee Expected large user base Targeted Ads Collect user info Account types NIIMS Credit history Demography Adverts Email Viral Marketing Partners

13. Market Size and Composition Target Cities Best Case Outcome Worst Case Outcome Realistic Outcome We target major cities with frequent money and spending habits to facilitate growth Ssente becomes the leading innovative mobile money and payments gateway in the region Ssente is limited to a niche product and user base that use the service because of curiosity Be a competitive player in the mobile money market with at least 10-20% market share Statistics from appendix 1

14. Opportunity & Advantages

15. Opportunity & Advantages

16. 1 Idea Funding Legal requirements Team 2 We have formulated out idea and a strategy for ssente We are seeking seed funding of 20,000 USD to be able to design our MVP for beta testing and environment setup We have knowledge of required licenses and regulations we are required to follow for the process to be functional At the moment we are a team of two people working towards formulating a bigger team to help grow our solid visioin 3 4 OUR MILESTONE

17. Appendix 1. https://solutionscenter.nethope.org/assets/collaterals/Kenya-Mobile-Money-Assessment.pdf 2. https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2018/05/GSMA_2017_State_of_the_Industry_Report_on_Mobile_Money_Full_Report.pdf

18. Thank you for your time