1. INTRODUCTION
PRESENTATION
November 2013
Plano, Texas, USA
Version 1.0
3/4/2014
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
1

2. Paytroniks
Paytroniks is a consultancy exclusively
dedicated to research and evaluation of
emerging payments solutions.
•
•
•
•
•
•
Who are we?
Identify efficient integration of
emerging technologies and concepts into
the payments ecosystem.
Identify best launch and development
strategies of emerging payment solutions.
Identify strategic partners and vendors.
Apply industry best practices in the
development and launch of emerging
payments solutions.
Develop a sustainable business case for
3/4/2014
emerging payments solutions.
Identify and monitor future tendencies
in the payments industry and
corresponding markets.
Main objective is to position companies as
leaders in the market and in the offering of
emerging payments solutions.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
2

3. What Are Emerging Payments?
Definition
• Prepaid Products
• Online Payments
• Money Transfer
• Mobile Payments
3/4/2014
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
3

4. Paytroniks’ Focus
Definition
• Prepaid Products
•
•
•
•
•
•
•
Worldwide, 5 billions cell phones
versus 1 billion bank accounts.
3/4/2014
Most ubiquitous technology in
humankind's last 20 years.
Despite opportunity in payments
industry, still in incipient stage
with very few market leaders.
One of the fastest growing
segments in emerging markets.
Solutions targeted at market
niches.
Introductory product for
unbanked sector.
Several verticals: gift, payroll,
general purpose, etc.
• Mobile Payments
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
4

5. Paytroniks Service Offering
Product Development
Growth Strategies
3/4/2014
Solution Optimization
Market Studies
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
5

6. Product Development
•
•
•
•
•
•
•
•
Identification of markets and geographies where emerging payments solutions
will have the greatest probabilities of success.
Identification of merchants and industries where emerging payments solutions
will have the greatest probabilities of success.
Suggestions on development of functionalities that will differentiate emerging
payments solutions from the competition.
Identification of key partners for the most efficient development and
launch of emerging payments solutions: operators, processor, banks,
commercial establishments, vendors, acquirers, distributors, public transportation
systems, media channels, and others.
Evaluation and qualification of potential vendors.
3/4/2014
Identification of the best payment instruments (funding account) for
emerging payments solutions.
Identification of the best communication channel for emerging payments
solutions.
Application of Project Management Institute (PMI) standards in the
development of emerging payments solutions.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
6

7. Growth Strategies
•
•
•
•
•
•
•
•
Identification of best registration procedures for emerging payments
solutions users.
Identification, design, and implementation of incentives that will result
in more users and greater payment volumes.
Identification and communication of key messages in marketing and
promotional campaigns.
Identification and incorporation of best practices from solutions
already launched in other countries and regions.
Expansion strategy of emerging payments solutions into other merchant
categories, industries, markets, and geographies.
3/4/2014
Identification of the best distribution channels for emerging payments
solutions.
Review of financial plan and Profit and Loss statement to evaluate
profitability and long term growth of any emerging payments solutions.
SWOT Analysis of your product with the goal of having a proactive approach
against any strategic movements by competitors.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
7

8. Solution Optimization
• Implementation of best risk and fraud control tools for
emerging payments solutions.
• Implementation of best user-authentication procedures.
• Evaluation of chargeback tendencies.
• Adherence to banking regulations as directed by central
authorities.
• Identification and resolution of key customer service
issues.
3/4/2014
• Adherence to PCI standards.
• Monitoring of future industry trends.
• Drafting of an effective communications strategy and
representation of clients at regional and global industry trade
events.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
8

9. Market Studies
• Qualitative studies composed primarily of focus groups used to
validate the value proposition of any emerging products solution.
Often used to draft an effective launch or re-launch of any solution as
data can be used to identify key marketing messages .
• Quantitative studies consist of surveys which can be used to
measure product awareness and to assess if marketing
communications channels being used are the most appropriate ones.
Can also be helpful in identifying barriers to adoption of a solution that
has already been commercialized.
• Market 3/4/2014
segmentation analysis identifying the core users of the
solution and in the process identifying key attributes that are strong
drivers of revenue growth.
• Identification of key barriers to growth bases on individual
peculiarities of target market and specific geographies.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
9

10. Value Added Proposition
Product Development: The development of unique emerging payments
solutions will result in a marked differentiation with the competition’s offering.
A strong product offering will also result in a faster mass adoption or “tipping
point” by the market.
Growth Strategies: A sound growth strategy will allow solutions to become
profitable in the least time possible in a sustainable and efficient manner. This
will allow maintenance of a leadership position in the market on a consistent
basis.
Solution Optimization: The optimization of the solution’s operation will
ensure that it complies with all regulatory bylaws and with all mandated
industry standards of the electronic payments industry. It will also allow the
3/4/2014 incorporation of innovative technologies with ease ensuring long term growth.
Lastly, optimization will result in a higher average revenue per user.
Market Studies: Market studies will validate different functionalities for any
emerging payments solution, identify new growth opportunities, and ensure
that key product messages are being communicated effectively.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
10

11. In conclusion…
Paytroniks offers companies a complete
3/4/2014
consultancy with the objective of providing
solutions that have sustainable growth and
high probabilities of success in the
marketplace. Our services will allow
solutions to achieve critical points of
adoption in the shortest time possible and
in parallel deliver a superior value added
proposition to value chain participants.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
11

12. Joe Frisz – Founder and Partner
•
•
•
•
•
MBA in General Management, Boston University, 1999.
15 years professional experience, including:
• Responsible for the implementation of the first
proximity payment (NFC) solution in Latin America
(Guatemala).
• Responsible for the implementation of prepaid card
solutions throughout Latin America and the U.S.
• Participation in the implementation of various mobile
payment solutions in Latin America (Peru and Brazil).
• Experience in marketing merchant payment (acquiring)
services in the United States.
• Experience in selling upscale credit card products in
the United States and the Caribbean.
• Point person for the development of a growth strategy
3/4/2014
for Visa mobile products in the Latin American region.
Experience working at American Express, Visa, Fidelity
National Information Services and Merchant Data Systems.
Presenter and speaker at conferences sponsored by the
Latin America Association of Banks (Felaban).
Guest lecturer at the Andreas School of Business, Barry
University, Miami, FL.
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
12

13. Client Portfolio
3/4/2014
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
13

14. Global Partner – Insight Consultancy
•
•
Insight Consultancy is Paytroniks’ global partner that provides cross consultancy services
as well as support services for large projects or consultancies whose scope is beyond
emerging payments.
Subject matter expertise in the following categories:
•
•
•
•
•
•
•
•
•
•
Card portfolios
Fraud and Regulation
Cardholder loyalty
Card operations and chargebacks
3/4/2014
Marketing strategies
Europe, U.S., and Emerging Markets Experience
Training services also available
Headquartered in the United Kingdom with satellite offices in Madrid, Miami, and
Singapore
Founded in 1999
For more information visit www.insight-consultancy.com
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
14

15. INTRODUCTION
PRESENTATION
November 2013
Plano, Texas, USA
Version 1.0
3/4/2014
Payroniks Introduction - © 2013, All Rights Reserved, Paytroniks
Advisory Board Presentation
15