100428 onedesk intro 2010 linkedin mn nde

April 28, 2010

Onedesk Merchant solutions

An Introduction

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Agenda

Who we are…

Onedesk- background and concept

Our Competitive advantage

Technical Overview of solution

Partnership Opportunity


Agenda

Who we are…






2004Launched largest closed-user group loyalty solutions in India for Retail Petroleum industry

–Petro Card solution for BPCL: more than 1.5M smart card holders,4M transactions per month–Fleet card program for IOCL: 1.5M card holders, over 2.5M transactions per month

2005Introduced first PC-based card authorization application

–Used by leading Indian Retail chains and Banks–EMV compliant and Visa certified

2006Entered into organized retail sector with real-time Loyalty Solutions

–Strategic Alliance with largest international loyalty solution provider, LMG–Expert in turn-key ASP solutions for Indian Retail segment

2007Built Value added services network with Tata Teleservices

–Bill payment & ticketing payment network, launched at over 1000Indian retailers

2008Launched stored value card program in India

–Managing prepaid card program for Future Group, India’s largest retailer - including online and 3rd party distribution

Pine Labs is a leading innovator in Payments and Loyalty solutions

ORIX

Select Clients

Bank Relationships

Partners


Our credentials

Extensive experience in management of value added Services • As the technical partner for Tata tele services manage the complete technical and operations backend of Pay phone

based VAS platform

Preferred PoS solution for Indian Blue Chip banks and retail chains • Plutus is being used by leading Indian Retail chains and Banks, including Shoppers Stop, Future Group, Reliance

Retail, Vishal Mega Mart, ICICI Bank, HDFC Bank, Axis Bank, Citibank, Amex, and HSBC etc.

Expert in turn-key ASP loyalty solutions for Retail segment• Pine Labs is managing the loyalty program for a number of customers, including IOCL, Asian Paints, Ritu Wears, ORIX

etc., wherein we provide program operations and management services on an ASP model.

Provider of largest Prepaid Card solutions in India (Petro Card for Bharat Petroleum (BPCL))• Designed & developed complete Petro Card solution for BPCL. Handling more than 1.5M smart card holders, over 4M

transactions per month, with over US$600M revenue handled per year.• Pine Labs manages the full solution and provides 24X7 application support and systems operations.

Fleet Card for Indian Oil Corporation (IOCL) • Fleet card program for IOCL which has ~1.5M registered magnetic strip card holders• Over 2.5M transactions per month, handling US$1.8B revenue per year. Running in over 5,000 retail outlets.• 24x7 program management by Pine Labs - Server and Database hosting, POS terminal deployment and field support,

complete card lifecycle management processes like customer enrolment and card issuance, welcome kit preparation and dispatch, card hot listing, card replacement etc.

Strategic Alliance with largest international loyalty solution provider • Pine Labs is developing loyalty solution for Loyalty Management Group which owns and operates Nectar - the UK's

largest customer reward program with more than 50% of all UK households participating.

Advantages of local market knowledge• Pine Labs has deployed and is maintaining over 20,000 PoS in market


Agenda

Who we are…






Onedesk is a retail network built around a unified payment and service delivery platform

Service partners

Service Provider

1

ServiceProvider

2

ServiceProvider

3

Largeretail

networkenabling

cash payments

EcommercePayments

Lead Gen.

Utilitypayments

MobileTop-ups

Ticketing

Govt.Payments

Unified payment and services

platformServiceProvider

n

Onedesk Value proposition

Onedesk allows service providers to leverage its retail network and provide a physical transaction environment to customers


Bill payments

Prepaid recharge

Ticketing services

Consumer services /Lead generation

POS promotions, advertising and loyalty

Utility and service providers

Aggregators

Corporates and Institutions

Banks

Government

Onedesk has a strong value proposition for entire value chain, enables multiple services with deep reach to market

Cash Dispensing at POS

SmartPhone

PC EDC OPT Petro

outletsDelivery PlatformsDelivery Platforms

Payment ModesPayment Modes

Organized Retail E-Distribution

Unified payment & services platformUnified payment & services platform

Cr/Db CardCash

Cash Cards

Mobile banking

MobileThird party


We can provide a wide distribution, where customers can pay by cash and card (in card present mode)

Customers Onedesk retailers Onedesk Platform Service provider and banks

Increased customer pull

Better pricing

Increased

reach & volumes

Cost saving

Increased volumes

Revenue

Safe use of credit/ debit card

Convenience & Physical trxn. environment

Products

Payments through Cash and Card Present transaction mode

Distribution network

For products

and

cash dispensing

Banks

Service providers


Agenda

Who we are…






We have Pan-India presence and are rapidly growing – we can offer instant low cost distribution across India

Chandigarh

Shimla

New Delhi

Agra

VaranasiAllahabad

Ghaziabad

Faridabad

LucknowKanpur

Dehradun

Jodhpur

AjmerJaipur

Kota

Ahmedabad

Vadodara

Rajkot

Surat

Mumbai

Kolhapur

Nagpur

Pune

Nashik

Bhopal

IndoreRaipur

Panaji

Kolkata

Patna

Ranchi

Bhubaneswar

Rourkela

Jamshedpur

Dhanbad

Kharagpur

Siliguri

Durgapur

Guwahati

ChennaiBangalore

Thiruvanantapuram

Cochin

Trichur Coimbatore

Madurai

Tiruchirapalli

Cuddapah

Vishakhapatnam

Vijaywada

Hubli

Mangalore

SalemMysore

Hyderabad

Aurangabad

Bhavnagar

Udaipur

Jammu

Gurgaon NoidaMeerut

Aligarh

Shillong

Agartala

Bhagalpur

Sambalpur

Jabalpur

Gwalior

Amritsar

LudhianaJalandhar

Patiala

Current Presence


Number of services gives Onedesk key competitive advantage by generating customer footfalls

Retailer

I came in because i needed a recharge

urgently but realized I

could also pay my bills

I usually don’t walk into a Book store –I needed to book a ticket so walked into the shop and ended up buying a travel

book and planning my next vacation

Onedesk not only helps me in my normal business but also

makes me more money

through recharges and tickets

Me and my wife were at the mall when when needed a

recharge – we walked into a shop which did recharge and

then we realized we could also pay book our tickets for

the vacation

I can book my flights, hotels , pay bills , recharge all

at one place

Add Revenue stream to Retailer

Generate customer footfall for product

presentation and trial

Convenience generates repeatedbuying I never had so many people

walk into my shop before ….In this business people don’t feel

the need till they see .


Onedesk’s competitive advantage built on five core elements

• Only player with technology spanning PC, EDC and smart phone platforms

• Only player with capabilities to enable PC Pos for Cr/Dr card acceptance through broadband

Retail product portfolio

Technology advantage

• Strong retail product portfolio spanning PC Pos , loyalty , gift cards, prepaid cards and VAS

• Opportunity for bundling product suite focused on fulfilling all requirements of mid & small retailers

Relationship with channel partners

• Deep relationship with major banks • Trusted vendor to Oil Marketing

Companies through retail automation business

Distribution network andlean operations

Innovation & product leadership

• Track record of game-changing innovation in payment space, for example

• Card acceptance for Mobile merchants (Orix radio taxis)

• Secure card data transmission on public broadband

• Automation of bank reconciliation process

• Extensive sales and distribution network Pan India

• Experience in managing technical and operations back end of TTSL VAS

• We have set new benchmarks in efficiency and investment required to go to market and scale operations


We can currently address retailers across both PC and Non-PC segments

Unorganised Urban Merchants

Have PC Don’t have PC

•Smart Phone with built in CDMA data and voice connectivity• Built in POS – Magstripe and Smart card • Bank approved device and processing • Packaged with power backup and

printing capability

• PC based client connects through internet • Intuitive easy to use graphical interface•Integrated with Plutus – bank approved PC POS• Advanced reporting and reconciliation capabilities


We will also commercially launch our products for e-recharge at large networks in FY 2011

Bank EDC Terminals Bank EDC Terminals Outdoor payment terminals

at Petro outlets Outdoor payment terminals

at Petro outlets Large Organized

Retailers Large Organized

Retailers

• Allows for e-recharge and loyalty transactions on existing EDC terminals • High speed connectivity and response • Bank approved for coexistenece with Cr/ Dr card txns

• Only platform to be integrated with TP-Linux • Integrated with billing and payment system• Works on pre-existing internet connectivity

• Allows e-recharge on petrol pumps while fueling without driver having to get off vehicle • Pre -integrated with petroleum automation and payment systems

TP Linux Platform

In the short to medium term no other player in the market has capabilities to provide PC based Cr/Dr authorization and span across PC, EDC terminal, smart phone

platforms and Petro OPT platforms for VAS


In FY 2011 we plan to add 10K+ unorganized retailers to our network

2,500

3,500

2,000

5001,200

10,000

11,700

FY2010

1,200

20,000

23,700

FY 2011

35,500

FY 2012

Other channel partners Banks

Onedeskdistributors30,000

Onedesk network will grow to ~35 K outlets by FY 12

Onedesk network will grow to ~35 K outlets by FY 12

Key retailer segments focused on Key retailer segments focused on

Un-organized Retail

• Mom & Pop Stores / Grocery Stores

• SME – Hotel chains

• Small Cybercafes

• Chemists

Organized Retail

• Petrol stations

• Retail Chains

Telecom Retail

• Telecom Retail Chains

• Telecom Shops

Non-Traditional Channels

• Concierge services

• Housing Complexes

• Colleges/Hospitals/community centers


Onedesk already has a large number of high demand services live on its platform and network

Pre-paid Products

• Telecom recharges

• DTH recharges

• Cash cards

• Prepaid cards (Store cards /gift cards / mobile based gift coupons )

Travel products

• Flight booking

• Train Booking

• Bus booking

• Holidays and hotel booking (coming soon)

Bill Payments

• Electricity bill payments

• Post paid telecom bill payments

• Insurance premiums

• Credit card bill payments (coming soon)


Agenda

Who we are…






Key Integration requirement will only be server to server


Agenda

Who we are…






Potential alliance opportunities for distribution and collections services

Entities Entities Opportunity Opportunity

Prepaid products • Mobile and DTH Operators

• Cash / prepaid /gift cards

Utility companies

Ticketing companies • Cinemas

• Event managers

E-retailing • Consumer goods

• Correspondence Courses

Government bodies• Collection services for taxes/ fees /

remittances

• Applications for Govt. services

Low cost Pan India electronic distribution

Low cost collection of Bill payments with real time settlement


Ability to create facilitated sale to consumers beyond internet

based retailing


Ability to create facilitated sale to consumers beyond internet

based retailing

Ability to create unmatched convenience and reach to general

public

Expanding social impact by supporting un-organised retailers


Potential alliance opportunities for Co-branding / product bundling and channel partnerships

Entities Entities Opportunity Opportunity

Broadband providers / ISPs

Low cost computer providers

NGOs / Other Institutions

Retail chains / Merchant networks

Banks / Financial institutions

Tap into un-organised retail segment combined with Onedesk

• Broad band connection now is revenue generation tool for

retailers

• Onedesk provides a clear business model and viable job

creation opportunity

• Create jobs for 10th pass graduates with minimal

investment

• Add opportunities to create customer walk-ins and augment

revenues of your outlets

• Opportunity to explore enabling VAS combined with

branchless banking and other initiatives to make Business

correspondents more viable


Next steps

• Contact us on email or Phone with your interest

• Initial discussions on opportunity

• Face to face meeting for detailed discussions


For further discussion and queries please reach out to

N. Mohan Narayana Swamy

AVP – Business Development

Email : [email protected]

Ph : +91 9871591122

Website: www.onedesk.in , www.pinelabs.com

100428 onedesk intro 2010 linkedin mn nde

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