Innobanking provides profound business development solutions for the banking industry. Innovative Banking Solutions

Transcription

1 Innobanking provides profound business development solutions for the banking industry. Innovative Banking Solutions

2 Introduction Innobanking provides profound business development financial inclusion solutions for the banking industry. Achieved through the establishment of cost effective POS Retail Agents and Multi-function Mobile Payment Platform with Chip Card which is supported by strategically located Micro-Branches that are equipped with ATM or VTM with cash recycling technology.

3 The Innobanking System STEP ONE: Ultra affordable tablet based POS terminals improve cash flow for retail shops by allowing cashless purchases. Revenue from marketing POS terminals fund the sales team to establish Retail Agents throughout the country. The Retail Agents earn additional revenue by opening bank accounts for their unbanked customers and servicing transactions. STEO TWO: The transactions are supported by the Innocard payment platform which provides the widest range of mobile payment and bill paying transaction solutions available in the world today. The solution also incorporates a card that can be used at the POS Terminal to purchase goods or at any ATM.

4 The Innobanking System STEP THREE: The Retail Agents are supported by the conveniently located Innobanking Micro-Branch with ATM facilities which act as a Master Agent with larger cash reserves. The ATM s incorporate highly innovative cash recycling technology as they not only issue cash but also accept and validate notes and then automatically make them available to be issued. Cash recycling technology reduces maintenance costs and improves the level of service to customers that could not otherwise have been provided. STEP FOUR: The satellite Micro-Branches are fully branded and supported by the regional Bank branch. Innobanking provides the Micro-Branches for the Bank by leveraging off a modest annual advertising budget to achieve unprecedented value and exposure. This strategy rapidly increases geographical territory and market share.

5 Background In Kenya there are over 27,000,000 mobile money accounts with an average transaction of $35 which transact over $17,500,000,000 every year. That is more that 35% of the county s GDP. 66% of sub Saharan Africa is unbanked, around a half billion adults. In Ghana there is approximately 9,000,000 adults who are unbanked. 1 ATM micro-branch per month, recruiting just 2 POS Retail Agents per week who each convert just 10 customers per week to a mobile bank account with card for free cashless purchases results in 268 Retail Agents and 191,460 new customers producing a approximately 932,731 in revenue in just 36 months. There is a massive void which exists in the market and it is going to be taken, the question is, by who?

6 Innobanking POS

7 Innobanking Pod

8 Innobanking Kiosk

9 Innobanking Micro-branch

10 Innobanking Micro-branch The office section features modern décor. Separate section to accommodate two ATMs.

11 Innobanking Micro-branch The dynamic design of the building is very attractive and welcoming and allows the building to be positioned in strategic High Street locations that could not otherwise be achieved. The construction of the building is fabricated from solid steel plate ensuring it is extremely robust and secure. The motorized roller doors made from thick gauge metal are virtually impenetrable.

13 Innobanking Macro-branch

14 Innobanking Macro-branch Stylish dynamic design Landmark building

15 Innobanking Macro-branch Ground Floor 9.6m x 6m = 57.6 sqm (including staircase)

16 Support Office & Business Centre The macro-branch incorporates a an incubator Business Centre on the first floor to assist the bank establish a close relationship with businesses in the local community. The office also provides a full time support centre to assist the bank with their campaign requirements.

17 Specialised Security

18 Construction System Powder coated heavy gauge steel monolithic construction. Attractive powder coated aluminum fascia panel cladding.

19 VTM, ATM & POS

20 Virtual Teller Machine Introducing the VTM. The ultimate in sophisticated technology performing 95% of branch functions. Features cash dispensers and cash recycling, complete utility bill payments can be met with OCR scanners, accept the cash and provide change, be it coin or notes, open bank accounts and issue cards.

21 VTM Features

22 Positioning

23 Positioning

24 Traditional Structure

25 Efficient & Effective Structure

26 InnoATM InnoATM is cutting-edge cash recycling, featuring shift heavy counter transactions and frequent cash replenishment to self-service and selfreplenishment zone. The high capacity, Serial Number Tracking technology, biometric authentication and coin dispensing features is capable of supporting large volume transactions and delivers a more reliable service to customers whilst reducing operational costs.

27 InnoATM Features SeNT Serial Number Tracking Featured with the OCR (Optical Character Recognition) technology for cash tracing and tracking, InnoATM is capable of recording the serial numbers of notes in and out of the machines, providing support of account reconciliation, fraud and cash shrinkage management for the financial institutions. Non-stop Incentive InnoATM can deliver value-added service like currency exchange, utility payment and coin changes dispensing in many applications to extend banking channels, and to generate incomes from 3'd party payment solution providers. Optimized Configuration Flexible configurable to bulk depository, combination of cash depository only, dispensing only, cash depository and dispensing or cash recycling, easily adjustable to required settings subjecting to local regulations and transaction rules in different networks, optimize customization to meet customer expectation. Unrivalled Innovation Seamless and intelligent cassette exchange between InnoATM and InnoVTM deposit machines, delivers costeffective yet advanced and secure service for customers. The intelligent and unified cassette in InnoATM backs up an end-toend solution (Cash 4-AlI) to build up a multi-parties' management platform. Premier Security Built-in anti-skimming solution and auto cleaning of sundries in cash slot. ECB Compliant ECB Article 6 compliant, capable of note authentication, sorting and tracking subjecting to banks' requirement.

28 InnoPOS

29 Service & Maintenance Innobanking partners with and provides support to the premier service and maintenance company in the country and makes available specialist training and spare parts. Innobanking has the expertise to analyze the organisation's needs and provide a seamless integrated solution.

30 Innocard Mobile Payments, Chip Card & Internet

31 Innocard Platform Regulated, low cost, multicurrency customer cash accounts. Transact via mobile phone, online or cards. Cash in/cash out via: mobile phone branchless bank ATM s POS machine User authorised transactions 17 functions enabled. Domestic remittances. All done electronically and instantly Currency transactions 50+ currencies in each account. Wages and salaries Distributed direct to customer accounts electronically. Management of agents, branchless banks and distributors. Controlled by float mechanisms with full merchant clearing.

32 Innocard Platform Business models. The platform offers highly varied pricing options Switching. Clearing between one bank and another, from one mobile network to another and for international remittances. Standalone installation. Local server hosting. Highly functional ledger system. Provides KYC management. Transacts directly, person-to-person and utility bill paying. Fully customizable functions. Full control of margins. Provides access to large new markets. Profitable access to international remittances. Competitive advantage in customer transactions with lower cost than market leaders in international remittances and mobile money. Low cost banking solution for every citizen, now everyone can bank.

33 Innocard Platform Visa and Mastercard have 3 transaction functions, Innocard has 17 electronic transactions by card in addition to the online terminal and mobile applications. 1. Account Activation 2. Cash Deposit 3. Cash Deposit without card 4. Cash withdrawal 5. Purchase of goods or services 6. Refund of payment for goods or services 7. Bill Payment 8. Utility Payment 9. Balance Enquiry 10. Mini Statement (last 5 transactions) 11. Currency Rate Enquiry 12. Currency Purchase 13. Funds transfer in any of the multiple currencies supported 14. Funds transfer to cash 15. Purchase of a preloaded-card in a remote place. 16. Loading of a preloaded-card in a remote place 17. Activation of a preloaded-card in a remote place

34 Innocard Platform Bank Switch ATM Network Card Banking The Innocard Interchange Client Local Host POS Network Customer Accounts CL H Banks CL H CL H Money Transfer Co s Mobile Banking Client Web Access Mobile Operators Messaging and Settlement Processes

35 Innocard Platform Example of bank with 30 Branches Your Banked Customers 1980 Shops New Banked Payments Suppliers Customers Your Bank Its 30 Branches Consumers 1800 SMEs Employees Electronic Payments Suppliers 3,810 Agents and 1.25m New Customers in 3 years

36 Project Leverage Micro-branch Solution

38 How it works The bank can leverage off a modest annual advertising budget to achieve unprecedented value and exposure, whilst rapidly increasing geographical territory and market share by operating from new branded micro-branches in new locations throughout the country. The Branding and Advertising consists of the following: 1. LED Video Display Billboard Advertising. 2. Branded Building Package consisting of: 4,800 W x 2,200 H Rear LED Lightbox Billboard. Two x 2,200 W x 2,200 H Side LED Lightbox Billboards. 3. Mobile illuminated Lightbox Billboard Advertising.

39 LED Video Display Billboard Video Advertisements 10 second video advertisements Impressive 3m W x 2m H Prominent inner city locations. Positioned on top of the Microbranch. Options Duration Per Minutes Period Advertisements Price Option 1 10 Seconds 3 Per Minute 2 Weeks 60,000 2,700 Option 2 10 Seconds 1 Per Minute 2 Weeks 20, Option 3 10 Seconds 1 Per 2 Minutes 4 Weeks 20,000 1,080 Option 4 10 Seconds 1 Per 3 Minutes 6 Weeks 20,000 1,170 Option 5 10 Seconds 1 Per 4 Minutes 2 Weeks 5,

40 LED Lightbox Billboards LED Video Billboard LED Lightbox Billboard

41 LED Lightbox Billboards Corporate branding of Building 4,800 W x 2,200 H Rear LED Lightbox 250 p/m. Two x 2,200 W x 2,200 H Side LED Lightbox Billboards 250 p/m.

42 Mobile LED Lightbox Billboards Corporate branding of Mobile Courier vehicle. Illuminated LED lightbox Billboards on commercial couriervehicle. Both sides of cargo box. Unlimited promotional campaign changes. (Excluding poster) 800 per 3 months.

43 Corporate Branding Campaign Corporate Branding campaign: 1 year: 1 year: 1 year: Mobile illuminated Lightbox Billboards on Courier vehicle. Value = 800 p/qtr x 4 quarters = $3,200. Branding of rear & side LED Lightbox Billboards. Value = 250 x 2 p/m x 12 months = 6,000. Option 2 Dynamic LED Video Billboard Advertising. 10 seconds / per minute / over 2 weeks = 20,000 x 26 = 520,000 video advertisements per annum. Value = 990 x 26 fortnights = 25,740. Once only payment of total Branding Package : 34,940 BRANDED SATELLITE MICRO-BRANCH ADDITIONAL COSTS ARE: Building Rent ( 100 p/m) Site Rental Insurance Electricity bill ATM or VTM Décor and Fit- out

44 Special Limited Offer Ten or more locations per annum: The advertising campaign will be extended an additional year for FREE. Namely 20,000 LED Video Display Billboard Advertisements every two weeks, a total of 520,000 video advertisements, plus lightbox and mobile billboards valued at 34,940 per branch for FREE. The ten locations producing 5,200,000 video advertisements, valued at 349,400 for FREE. Furthermore, to support the bank to attract new business customers to the bank s new micro-branch, we will sponsor the bank to provide local businesses with FREE LED Video Advertising campaigns. Namely 520,000 x LED Video Display Billboard Advertisements valued at 25,740 for FREE per micro-branch. Total 257,400 FREE. Combined total of 606,800 for FREE. (limit of 10 locations first year)

45 Project Leverage Macro-branch Solution

46 Innobanking Macro-branch

47 LED Video Display Billboard Video Advertisements 10 second video advertisements Impressive 6m W x 3m H Prominent inner city locations. Positioned on top of the Macrobranch. Options Duration Per Minutes Period Advertisements Price Option 1 10 Seconds 3 Per Minute 2 Weeks 60,480 6,900 Option 2 10 Seconds 1 Per Minute 2 Weeks 20,160 2,500 Option 3 10 Seconds 1 Per 2 Minutes 4 Weeks 20,160 2,700 Option 4 10 Seconds 1 Per 3 Minutes 6 Weeks 20,160 2,950 Option 5 10 Seconds 1 Per 4 Minutes 2 Weeks 5,

48 Corporate Branding Campaign Corporate Branding campaign: 1 year: 1 year: 1 year: Mobile illuminated Lightbox Billboards on Courier vehicle. Value = 800 p/qtr x 4 quarters = 3,200. Branding of both sides graphic Billboards. Value = 350 x 2 p/m x 12 months = 8,400. Option 2 Dynamic LED Video Mega-Billboard Advertising. 10 seconds / per minute / over 2 weeks = 20,000 x 26 = 520,000 video advertisements per annum. Value = 2,490 x 26 fortnights = 64,740. Once only payment of total Branding Package : 76,340 BRANDED SATELLITE MACRO-BRANCH ADDITIONAL COSTS ARE: Building Rent ( 100 p/m) Site Rental Insurance Electricity bill ATM or VTM Décor and Fit- out

49 Special Limited Offer Ten or more locations per annum: The advertising campaign will be extended an additional year for FREE. Namely 20,000 LED Video Display Billboard Advertisements every two weeks, a total of 520,000 video advertisements, plus side of building billboards and mobile billboards valued at 76,740 per branch for FREE. The ten locations producing 5,200,000 video advertisements, valued at 763,400 for FREE. Furthermore, to support the bank to attract new business customers to the bank s new macro-branch, we will sponsor the bank to provide local businesses with FREE LED Video Advertising campaigns. Namely 520,000 x LED Video Display Billboard Advertisements valued at 64,740 for FREE per macro-branch. Total 647,400 FREE. Combined total of 1,410,800 for FREE. (limit of 10 locations first year)

50 Business Development Funding Innobanking can provide foreign investment funding to cover the entire closed loop business development and financial inclusion solution. Inclusive of the POS Terminals, Multi-function Mobile Payment Platform with Chip Cards, Micro-Branches or Macro-Branches complete with ATM or VTM with cash recycling technology.

51 Summary Secure an annual advertising campaign that is paid in advance and we will provide the micro-branch or the macrobranch to rent for just 100 per month fixed price for ten years. Order ten advertising campaigns to get ten locations and the advertising campaign period is doubled to two years at all ten locations. Micro-branch value: 349,400 for FREE. Macro-branch value: 763,400 for FREE. Plus we provide dynamic video billboard advertising to be given away to clients at all ten locations. Micro-branch value: 257,400 for FREE. Macro-branch value: 647,400 for FREE.

52 Process to proceed To take advantage of the Micro-Branch or Macro-Branch Project Leverage offers, kindly a formal letter to Innobanking advising us of your intentions, requirements and schedule. If you require more information, kindly include specific questions and we will endeavour to respond to them promptly. Please note: Project Leverage is limited Introductory Offer that is available on a first come first served basis.

53 Contact Subsidiary of Innohabitat Ltd 23 / 6-8 Westbourne Terrace Hyde Park, London, W2 3UW. Phone: Mobile: Viber: Skype: gavintokely [email protected] Website: Innobanking is an initiative of Mr Gavin King Tokely, Managing Director.