2.5 billion
unbanked
Source: Mackinsey

half the world is
unbanked
Source: Mackinsey

455
billion dollars
Source: Mackinsey

65%
Latin America
Source: Mackinsey

Brazil
Colombia

Strong economies
Good technology implantation
High disparity levels
High percentage of unbanked
Current situation

106interviewed
101interviewed
Market study

Unbanked (students, workers) (+35%)
High phone penetration (+100%)
Ready to adopt bank innovation (+67%)
High Insecurity feeling (+38%)
Low trust in banks (8%)
Market study

Bank$

Favorite payment method
is cash or card but...

“...it is unfortunately common to have our cards
"clonned" here. I mean, there are modified credit
card machines that manage to make a "copy" of
your card, and the robbers use it for buying lots of
expensive stuff...”
“...What is also common (believe it or not) is a
kidnapping in which they take you to a lot of ATM's
to use your own card to get money...”
Rafael 27,
Rio de Janeiro

Solution for this target population?

It’s just like cash but
safer and modern!

Simple SMS payment system
No smartphone needed
Simple activation
Current account creation
Digital wallet
Use it in the JátePago!/YatePago! Network
Very safe (no problem if phone stolen)

2
Purchase
information
3SMS
with data
4
Confirmation with code
and Voilà!
1
Phone number

2
Purchase
information
3SMS
with data
very
rapidinho!
4
Confirmation with code
1
Phone number

pre-paid cards
P2P transference
Cash
játepago.com.br/
yatepago.com.co
Top-up via

Pay bills
Buy online (technology creation)
Pay at supermarkets, malls,...
Phone talk-time and 3G
Help the environment

Our competitors

Not
innovative
Not
convenient
Very
convenient
Very
innovative

Pricing

Free!

Rio de Janeiro
Sao Paolo
Brasilia
Bogotá D.C
Medellín

Promotion

La manera
más segura
de manejar
su dinero

A maneira
mais segura
de administrar
seu dinheiro

TV ad

To conclude...

Coming soon...