smart banking · 2017-04-05 · the global independent online banking experience. fast and easy...
TRANSCRIPT
SMART BANKING
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● Taking full advantage of upcoming PSD2 regulations
● Aggregates all your financial data, and lets you take action on it
● Pay bills, transfer money, open new accounts, save and switch providers
● Saves Money - Automated price & quality comparison, recommendations and simple service provider switching
Payr’s VisionThe Global Independent Online Banking Experience
Fast and easy registration of invoices with our OCCR scanner, E-mail, sms or chat.
Easy to Register Invoices
Compares pricing data from multiple sources, suggests savings and facilitates easy switching.
Compare & Save
Pay with VISA, Mastercard, Paypal or direct deposit.
Multiple Payment Methods
No added costs, no transaction fees, no in-app purchases. Just free.
Free to Use
Secure hosting and application environment. AML detection and prevention. Pending licence from Norwegian Financial Authority.
Safe & Secure
First productSave money on bills
● Advertising● Content and CRO● Affiliate Partners
User Acquisition
● Products & Services● Spending Patterns● Credit History● Demographics and
Preferences
Gather User Information
● History● Usage● Spending Habits● Current Market Deals
& Rates
Intelligent Suggestions
● In-app contracts● Pre-populated● Electronic signature● Cancellations
User switches
● Mobile plans● Internet● Insurance● Mortgage● Electricity
Commission revenue
Main Revenue ModelPayr makes money when our users save money.
We analyze what our users pay, find improvements and savings and then facilitate a very easy switch to a new, better provider.
Comparison is 100% independent. But, only our partner service providers will have the “easy switch feature” enabled.
Business Model
Focused Management and dedicated team with 8 exits combined
CEO CTO Lead DesignerEspen Grimstad Birger Lie Åste Laberg
CPO Transfercar marketplace. Advisor to bank sector Itera500 Startups alumni
3 exits
CEO at Shareactor Co-Founder and CTO
at Your.MD, CompanyBook &
IntelliSearch3 exits
Lead interaction & service designer Itera
Master's degree in Interaction Design
Angel Investor
CMOChristian W. Thoresen
Creative Director Dinamo Advertising. CEO Soulpolice visual
agency. 2 exits
Chair of the BoardCEO Fintech Mundi
Executive Chairman Zwipe, Director Cards Nordea, Advisory
Board member MasterCard Europe, INSEAD Management, MBA Northeastern University
Experienced Boardand Advisors
Susanne Hannestad Remi Dramstad
Board Director Senior associate Selmer Law
2x Master degrees from University of Oslo and New York University
School of Law
Kristian Enger
Board DirectorExecutive Vice President Itera,
CEO Cicero, VP NetCom
20+ years of leadership in international tech companies
Hypothesis testing. User testing. Surveys. Winter/Spring 2016
Traction to datePayr is due to launch in 2017
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Validation
Team of 9. Sweat-for-equity. Solid
Board. Spring 2016
Team formation
Payr One app in development.
Product team of 7. Autumn 2016
Build
Payr One in AppStore in Q2
Launch
Payment operator licence from Finanstilsynet, eFaktura integration
Winter 2016/17
Regulatory approval
Traction and momentum
Finalist at DNB NXTWinner of SLUSH Fintech Mash/UP
Marketrecognition
Scale & Growth Strategy 8
Payr OneSave Time & Money on Bills
Payr TwoFinancial Dashboard & Service
Broker
Payr ThreeThe next generation online
banking
2017Norway
2020EU & UK
AsiaAustralia
2021
Payr & PSD2 9
PISPpayment initiation services which allow consumers to pay via simple credit transfer for their online purchases, while providing merchants with the assurance that the payment has been initiated so that goods can be released or services provided without delay.
AISPaccount information services which allow a payment service user to have an overview of their financial situation at any time, allowing users to better manage their personal finances
Card Issuer + PISPCard based Payment Instrument Issuers joining forces with PISP’s to enable card payments from app and proxy card solutions.
How Payr can utilize the Payment Services Directive
PROTOTYPE DEMO
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How Payr can utilize the Payment Services Directive
