mobile payment for every(f)one

mobile payments for everyfone

Henryk Kulakowski, CEO, Founder

MASSPAY is a pure software mobile payment system that works today on any

phone with unmodified headsets and none of the disadvantages of SMS or NFC

While recognized, validated needs for cash replacement exist, only

complex, limited, and niche solutions have been proposed

with no sustainable business models

MASSPAYWithout involving new parties, or infrastructure upgrades, MASSPAY turns ANY mobile phone into a universal and ready-to use transaction instrument, TODAY

opportunity

the problem: cash is (still) king8 out of 10 payments are cash transactions

9 out of 10 people have mobile phoneand

How to use mobile to compete with cash payments:(1) with minimum new investment, while (2) avoiding undue complexity, and(3) avoiding niche mentality?

the solution

1. Scan the merchant sticker or dial the number

2. Confirm transaction details & authorize the payment

3. Receive confirmation

221003521

MASSPAYPayment $3,99to Coffee Heaven, Market Str. SF(221003521) from HSBC account ($2294)Accept by PIN:0-options

3247

MASSPAYPayment $3,99to Coffee Heaven, Market Str. SF(221003521) is processing. Please wait for SMS confirmation

MASSPAY123456789012Payment $3,99to Coffee Heaven, Market Str. SF(221003521) accepted. Free cake at next order over $5!

from any phone; dedicated app optional

the vision

if you know how to dial you know how to pay

Smart/Hbb TV

E-commerce

Tablet

SmartphoneFeaturephone

POS

ECR

ATMM2M

BroadcastTV/Radio

Printed media

payment

possibilities

Payment % of fee

% of fee

Merchant (Payee)Acquirer

Issuer (Bank)

Clearing &settlements

% of fee

% of fee

MNO

business modelConsumer (Payer)

Payment – Tx

fee

the team

21 industry professionals, 6 widely recognized leadersPreviously with T-Mobile, Nokia, Microsoft, Huawei

FirstData, mPay, GTECH, VISA

founded in 2009Warsaw, Poland

the market

6.8B mobile subscriptions

30%smartphones

with active mobile Internet

NFC

iOS, Android

875B cash transactions(2009, EU+USA)

18% non-cash

masspay

competitors

¾ of the population doesn’t use smartphones

Source: Google 2014

Source: Comscore 2014

e-commerce

Retail paymentsLack of single scenario

Undue complexityLack of universality

Immature infrastructure

Competition is extremely fragmented, requiring new handsets or SIMs, software downloads; and limited to certain networks

P2P transfers

USERS MERCHANTSo Simplicity, intuitiveness

and convenience o Single transaction scenario

(e.g. online & offline use cases)

o Affordability o Bridging the digital divide

o Increased revenues – no lost sales, promotional & loyalty channel

o Reduced operational costs - in cash handling

o Low investment & operational cost, modest implementation effort

o Security and reliability - guaranteed payments

the benefits

IP protection

• Four original inventions• Patents granted– US, Algeria, Morocco, Ukraine, South Africa, New

Zealand, Indonesia, Madagascar, Turkey, Columbia• Patents pending – over 60 countries

• Internet domains, trademarks

international market acquisition

ISSUERS

MASSPAY JV

ACQUIRERS

INVESTORS

MASSPAY Int.

MARKET ACCESSENABLER

PAYE

RSPA

YEES

MNO

Henryk Kulakowski, Founderhkulakowski@masspay.eu

THANK YOU