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Agenda
What is AskmePay Why AskmePay Sales Pitch
Source: RBI Data
27.5%
23.3%20.2%
12.7%
16.2%
POS-1.06 Million
ICICI Bank Ltd. Axis Bank Ltd.
HDFC Bank Ltd. State Bank of India
Others
ICICI+AXIS+HDFC - 70% Top 4 Banks - 83%
Infrastructure
Just 10 Lakh POS machines were available!
Usage is low Acceptance is low Growth is low
26.8%
16.6%
14.9%
12.6%
7.2%
6.1%
15.8%
Credit Cards-19.18 Million
HDFC Bank Ltd. ICICI Bank Ltd.
State Bank of India Citibank
Axis Bank Ltd. Standard Chartered Bank
Others
27.2%
8.1%
7.1%7.0%4.3%4.0%
42.3%
ATMs-0.16 Million
State Bank of India Axis Bank Ltd.
ICICI Bank Ltd. HDFC Bank Ltd.
Punjab National Bank Union Bank of India
Others
State bank-31%Top 8 Banks - 62%
31.0%
6.3%
5.7%
4.4%4.3%3.8%3.7%
3.4%
37.4%
Debit Cards-394.42 Million
State Bank of India Punjab National Bank ICICI Bank Ltd.
HDFC Bank Ltd. Bank of India Canara Bank
Bank of Baroda Axis Bank Ltd. Others
HDFC-26%Top 6 Banks - 84%
State banks - 42%Top 6 Banks - 58%
39 Crore debit cards but usage is poor 2 Crore credit cards with declining share Just 1,60,000 ATMs Transaction limit on withdrawals
Payment Industry Insights
Only 10 Lakh POS Machines were ever issued
Source: RBI Annual Report’14, EuroMonitor
0.0%
20.0%
40.0%
60.0%
80.0%
100.0%
120.0%
Prepaid EFT/NEFT DebitCards CreditCards RTGS
109.2%
71.0%
37.5%26.1% 21.4%
Transactions Growth (2012-2014)
Consumer trust Banks than cards! Acceptance of 3rd Party Prepaid instruments is high!
Perception of lesser risk than cards More perceived benefits than cards
IMPS usage grew 12 times since 2012! Faster, Easy to use, SMS based
301.18
294.94 Counterfeit Cards - INR Crores
Card Stolen or Lost - INR Crores
Fraud on Cards – 600 Crore
Consumer Trends
ANNUALREPORT-MSME-2013-14
• Complex Collaterals• Delays• Unstandardized Evaluation• Risk of PE's Diluting Control• Higher Interest rates• Funding is difficult(PE)• Transaction Costs (Imports/Exports)
70
72
74
76
78
79
64 66 68 70 72 74 76 78 80
Labour Laws, Availability
Marketing and Distribution Networks
Infrastructure
Modern, Affordable Technologies
Regulatory Policies
Lack of Finance and Credit instruments
SME's Pain Points80
79
78
72
67
65
63
Top Financial Challenges Most of SME’s fail due to lack of availability of growth capital Mostly dependent on banks Delays in releasing funds & Higher interest rates
60% of the SME industry is unorganized
Why finance is a problem
Pain Points of SME’s
Solving SME Pain points - Credit
8 out of 10 SME’s said “Lack of Credit” is a problem
Source: RBI Annual Report’14, EuroMonitor
70
72
74
76
78
79
64 66 68 70 72 74 76 78 80
Labour Laws, Availability
Marketing and Distribution Networks
Infrastructure
Modern, Affordable Technologies
Regulatory Policies
Lack of Finance and Credit instruments
SME's Pain Points
Top Challenges Lack of Scale – Supply Chain Lack of Expertise – Digital Marketing
Visibility is a game changer APL can solve this problem
Why Marketing, Supply Chain is a problem
• Monetary Support • Losing to scale of large competitors • Lack of Avenues(Trade Fairs, Meets) • Technology for Marketing • Expertise in New Age Marketing • Digital Marketing Knowledge
74
68
66
66
66
60
Solving SME Pain points – Digital Marketing
Pain Points of SME’s 7 out of 10 SME’s said “Lack of Marketing Platform” is a problem
Source: EuroMonitor
65.35
114.48
167.26
242.53
343.71
480.79
0 100 200 300 400 500 600
2009
2010
2011
2012
2013
2014
M-Commerce - Retail Value RSP - INR bn - Current Prices
CAGR: 49%
m-commerce refers to a payment transaction involving the exchange of funds for either goods or services conducted via a mobile phone or tablet. It refers to purchases not person-to-person payments
Askme.comSME Relations
10 Million Listings5216 Categories
Mobility Askme Network Opportunity AskmePayTransaction
EnablerLow POS penetrationCostly Payment
SolutionsSMEs contribute 7%
to GDP
A Compelling Value Proposition will be a game changer The Gross value output from SME industry is INR 18 Trillion (2012)
65 Crore Smartphone users by 2019Growing at a rate of 36%
Why should We Launch
Bigger than E-Commerce
Merchant Value Proposition
Ease of On-boarding Process
Easy Access to Digital Payments
Lower Cost of Payments
Low Cost Marketing Platform
Inbuilt CRM
Customer Value Proposition
Ease of Payments
Pay Anywhere
Deals and Coupons Everywhere
Rewards for Every Transaction
App walk through – Collect Payments
COLLECT PAYMENTS BUILD CRM NEXT DAY SETTLEMENT
User APP
App walk through – Create Campaigns
CREATE CAMPAIGNS ACQUIRE NEW USERS
App walk through – User Interface(Pay Anywhere)
PAY EASY & PAY SECURE OFFERS INBUILT INTO PAYMENTS
App walk through – User Interface (Offers around you)
OFFERS AROUND YOU OFFERS INBUILT INTO PAYMENTS
App Walk through Summary– Payments/Marketing Platform
Payments Marketing
App Walk through Summary – Acquire Customers
Acquire New Users
COMMERCIALS
Cost of Payments
Netbanking (All Banks)
Credit Card
Debit Card
EMI
Wallets
2.50%
0%Flat Rate
Cost of Campaign
Creation
Distribution
Redemption
Analytics
5%Campaign
Cost
2.50%
@Cost
3 Months Next 3 Months
0%Campaign
Cost
3 Months After 3 Months
SFA
Enter Seller details
Click Register
SMS Sent
Enter Bank and PAN
Verify Details
Complete Process
Day – 1, Welcome Day – 3, TrainingDay – 15, Health
Check
Ignored
Tele Calling
Verify Details
Offensive or Junk? LiveNOYES
Review
Thank you for showing interest in Askme Pay.
Please complete your registration by clicking on the
goo.gl/nvekw below.
Thank you for completing your registration process. We will notify you as soon as the application is ready. We are
excited to have you as a merchant onboard with us.
Should you have any queries, please call us at
18602088888 or write to us on [email protected]
How to Register?
Registration – Web Portal
Self Registration
Thank you for showing interest in Askme Pay.
Please complete your registration by clicking on the
goo.gl/nvekw below.
SMS to Complete Registration
Registration – Web Portal (3 Step Registration)
Thank you for completing your registration process. We will notify you as soon as the application is ready. We are
excited to have you as a merchant onboard with us.
Should you have any queries, please call us at
18602088888 or write to us on [email protected]
Registration – Brand Tie-ups flow
Corporate Signup
Product Pitch
Share Agreement
Ask for Excel Sheet
Mail to [email protected]
CC: SPOC
Changes sought in Agreement
Mobile Email
Store Store Name Address Lane1 Address Lane2 Pin Code City
Bank Account Branch IFSC Code PAN
Store Logo Category - 1 Category - 2 Products - 1 Store Phone Logo
Login Details Mailed to respective Email-IDs
Go Live
Expectations – Brand Target List
Apparel FootwearElectronics Furniture
Company Group Registered Office
Allen Solly (Madura Fashion) Aditya Birla Bangalore
Louis Philippe (Madura Fashion) Aditya Birla Bangalore
Pantaloons Fashion & Retail Ltd Aditya Birla Mumbai
Future Lifestyle Fashions Ltd Future Mumbai
Future Retail Ltd Future Mumbai
Indus League Clothing Ltd Future Bangalore
Wills Lifestyle ITC Gurgaon
Mom&Me Mahindra Bangalore
S Kumars Nationwide Ltd MW Group Mumbai
Cotton County Retail Ltd Nahar Ludhiana
Shoppers Stop Ltd Raheja Mumbai
Park Avenue (Raymond Apparel Ltd) Raymond Mumbai
Raymond Ltd Raymond Mumbai
Reliance Retail Ltd Reliance Mumbai
Spencers Retail Ltd RPG Kolkata
Trent Ltd(Westside) TATA Mumbai
Fabindia Overseas Pvt Ltd New Delhi
Monte Carlo Fashion Ltd Ludhiana
Page Industries Ltd
Pearl Global Industries Ltd Gurgaon
Provogue Mumbai
V Mart Retail Ltd Gurgaon
Bombay Rayon Fashions Ltd Mumbai
SRS Ltd Faridabad
Arvind Fashion Pvt Ltd ( Tommy Hilfiger India )
Biba Apparels Pvt Ltd New Delhi
Aero Club (Woodland India) Woodland India New Delhi
Benetton India Pvt Ltd Gurgaon
Cantabil Retail India Ltd New Delhi
Flemingo Dutyfree Shop Pvt Ltd Mumbai
Giordano Fashions India Pvt Ltd Chennai
Levi Strauss India Pvt Ltd Bangalore
Linea Fashions India Pvt Ltd Chennai
Marks & Spencer Reliance India Pvt Ltd Gurgaon
Pepe Jeans India Pvt Ltd Mumbai
Ruchi Life Style Pvt Ltd Vadodara
Zara International Gurgaon
Company Group Registered Office
The MobileStore Ltd Essar Mumbai
Reliance Retail Ltd Reliance Mumbai
Spice Retail Ltd ( Hotspot ) Spice Noida
Next Retail India Ltd Videocon Mumbai
V Mart Retail Ltd Gurgaon
Hypercity Retail India Ltd Mumbai
Infiniti Retail Ltd (Croma) TATA Mumbai
Pai International Electronics Ltd Bangalore
Poorvika Mobiles Pvt Ltd Chennai
Sangeetha Mobiles Pvt Ltd Bangalore
UniverCell Telecommunications India Pvt Ltd Chennai
Vasanth & Co Chennai
Vijay Sales Mumbai
Viveks Ltd Chennai
Nanson Overseas Pvt Ltd Dollar Store New Delhi
Company Group Registered Office
Clarks Future Footwear Ltd Future Gurgaon
Liberty Shoes Ltd Liberty Karnal
V Mart Retail Ltd Gurgaon
Action Retail Ventures Pvt Ltd New Delhi
Megamart Arvind Ltd Bangalore
Metro Shoes Ltd Mumbai
Sreeleathers Ltd Kolkata
SSIPL Retail Ltd New Delhi
Sylcon Ernakulam
Wildcraft India Pvt Ltd Bangalore
Adidas India Marketing Pvt. Ltd Gurgaon
Aero Club Woodland India New Delhi
ASICS India Pvt Ltd Gurgaon
Heel & Buckle Mumbai
Rishi Overseas New Delhi
Saktthi Footwear Chennai
SRE ShoesSri Raamsuratkumar Enterprises Puducherry
Company Group Office
Style Spa Furniture Ltd Adventz Chennai
Ebony Homes Pvt Ltd ( Ebony Gautier ) DS Noida
Essar Steel Hypermart Essar Mumbai
Home Stores India Ltd Wadhawan New Delhi
Bombay Dyeing and Manufacturing Company Ltd Wadia Mumbai
Welspun Global Brands Ltd (WGBL) Welspun Mumbai
Welspun Retail Ltd Welspun Mumbai
The Address Winsome Kolkata
V Mart Retail Ltd Gurgaon
Expectations – Brand Target List
Food Personal CareGrocery Jewellery – Watches
Company
Barista Coffee Company Ltd
Flemingo Dutyfree Shop Pvt Ltd
OM Pizzas And Eats India Pvt Ltd (Pizza Papa Johns)
Subway Systems India Pvt Ltd
U S Pizza
Yum Restaurant India Pvt Ltd (KFC))
Jubilant FoodWorks Ltd(Dominos Pizza India Ltd)
Amalgamated Bean Coffee Trading Company Ltd (Cafe Coffee Day)
Australian Foods India Pvt. Ltd(Cookie Man)
Bikanervala Foods Pvt Ltd (Bikano)
Brew Berrys Hospitality Pvt Ltd
Coffee Day Global Ltd
Comesum
Connaught Plaza Restaurants Pvt Ltd (Mcdonalds India)
Foodhall
Graviss Foods Pvt Ltd (Baskin Robbins)
Haldiram Manufacturing Co.Pvt Ltd
Hardcastle Restaurants Pvt Ltd ( Mcdonalds India )
Lite Bite Foods Pvt Ltd
Monginis Foods Pvt Ltd
N Stores Food Retail Pvt Ltd
Nathus Sweets
Bangs Resto Ventures Pvt Ltd
Cafe Buddys Foods Pvt Ltd
Cafe Delhi Heights
Goli Vadapav Pvt Ltd
Gulab wala (L Shivnath Rai Sumer Chand Confectioner Pvt Ltd)
High on Caffeine (Twice Group)
IceCube
Lovely Sweets House Pvt Ltd
Prak Services Pvt Ltd(Crazy Noodles)
Rita Foods
Shivram Foods Pvt Ltd ( Gelato Vinto )
Shree Maheshwari Confectioners (Maakhan Bhog)
Smokin Joes Pizza Pvt Ltd
Company
Reliance Retail Ltd
Spencers Retail Ltd
24X7 Stores (Modi Group)
Adani Agrifresh Ltd
Aditya Birla Retail Ltd(More)
Apna Bazar Co-Op
Avenue Supermarts Ltd ( D-Mart )
Food Bazaar (Future Group)
Foodworld Supermarkets Ltd
Home Stores India Ltd
Hypercity Retail India Ltd
Kishco Ltd
Lakewood Malls Pvt Ltd(Hiranandani Group)
REI Six Ten Retail Ltd
Sahara India- Products Division
Supermarket Grocery Supplies Pvt Ltd ( BigBasket.com )
Taaza International Ltd
Max Hypermarket India Pvt Ltd (Spar )
Metro Cash And Carry India Pvt Ltd
AaramShop Pvt Ltd
Axis Impex
Benir e-store Solutions Pvt Ltd
Dheeraj Realty
GoldStar Glasswares Pvt Ltd
H&B Stores Ltd (Dabur India)
Knight Queen Ind Pvt Ltd
Nyasaa Retail Pvt Ltd
Rajtek Home Solutions (iRely.in)
Royalty House Retail Ltd
Sabkuch COD Store
Town Essentials Pvt Ltd
CompanyAdvanced Hair StudioJCB Salons Pvt LtdSymrise Pvt LtdAvon Beauty Products India Pvt LtdLOreal India Pvt LtdThe Body Shop IndiaBausch & Lomb Eyecare India Pvt LtdLuxottica India Eyewear Pvt LtdELCA Cosmetics Pvt LtdReliance Vision Express Pvt Ltd(Pearl Europe)Aditya Birla Retail Ltd(More)Lifestyle International Pvt LtdShahnaz Husain Group of CompaniesV Mart Retail LtdVandana Luthra Curls & Curves India Ltd(VLCC Health Care Ltd)Aditya Birla Retail Ltd(More)Aravind Laboratories ( Eyetex )Argus Cosmetics LtdBaccarose Perfumes & Beauty Products Pvt LtdBlossom Kochhar Beauty Products Pvt Ltd ( AROMAMAGIC )Bodycare Creations Pvt LtdCravatex Ltd(Proline Fitness )Groom India Salon & Spa Pvt Ltd (Naturals)Habib InternationalJawed Habib Hair & Beauty LtdK P GroupKaya Ltd (A Marico Co )Koel Colours Pvt LtdLakmé Lever Pvt LtdLawrence & Mayo India Pvt LtdAcme Fitness Pvt LtdAdidev Herbals Pvt LtdAgarwal Herbal ProductsAlps Cosmetic Clinic Pvt LtdAltos Enterprises LtdAma Herbal Laboratories Pvt LtdAnzalp Herbal Products Pvt LtdAromaaz InternationalAsian Aerosol Pvt LtdAstaberry Biosciences India Pvt LtdAura Thai Spa Services Pvt LtdBaba FragrancesBeauty Concepts Pvt LtdBell-o-bell Impex Pvt LtdBerina Cosmetics Pvt Ltd
CompanyCitizen Watches India Pvt LtdRolex Watch Company Pvt LtdRosy Blue India Pvt LtdSeiko Watch India Pvt LtdSwarovski India Pvt LtdSwatch Group India Pvt Ltd(Rado, Omega)ButtaGitanjaliTATAMalabar Gold Pvt LtdGitanjali Gems LtdPC Jeweller LtdThangamayil Jewellery LtdTitan Company LtdA Star Jewellery(Asian Star Company)Addon Retail Pvt LtdAureole Inspecs India Pvt LtdButta GroupCaratlane Trading Pvt LtdDev Group ( Devotie )Dinurje Jewellery Pvt LtdEthos Swiss Watch StudiosFlawless Diamond (India) LtdGanjam Nagappa & Son Pvt LtdGoenka Diamond & Jewels LtdGRT JewellersInterGold Gems Pvt Ltd (ORRA)Johnson Watch Co Pvt LtdJust Lifestyle Pvt Ltd.allMemoirsAmarsons CollectionsAnglo Swiss Watch CoAP GroupArchi ArtsArtisanGilt Internet Pvt LtdAswera International Marketing Pvt LtdBelief HandicraftsBGS Fashions Pvt LtdBobby Creation Pvt LtdChandana Brothers Textiles & Jewellers Pvt Ltd(CMR Shopping MallDwarkadas Chandumal Diamonds (D C Jewellers)Eka LifestyleFalah ArtsFalah Handicrafts
Expectations – Brand Target List
Pharmacy EntertainmentBooks &
Stationery
Company
Apollo Pharmacy
Global Healthline Pvt Ltd (98.4)
Guardian Lifecare Pvt Ltd (GNC Holdings)
Koel Colours Pvt Ltd
MedPlus Health Services Pvt. Ltd
RWL Healthworld Ltd
Phoenix Solar Pvt Ltd
Company
Apeejay
Crossword Bookstores Ltd (Raheja Group)
V Mart Retail Ltd
Oxford Bookstore
William Penn
A 2 Z Teaching and Learning Solutions Pvt Ltd
Kobster EShop Pvt Ltd
Mediamatics
Om Books International
OM Books Retail
Osho World Foundation
Raja Pocket Books (Raj Comics)
Strata Retail & Technology Services Pvt Ltd ( Just Books clc )
Teksons Bookshop
Company
Adidas India Marketing Pvt. Ltd.
Furtados Music India Pvt Ltd
Mom&Me(Mahindra Retail Pvt Ltd)
Music World Retail Ltd (RPG Group)
Planet M Retail Ltd
Timezone Entertainment Pvt Ltd
Triburg
Dhiraj Sons Megastore Pvt Ltd
Fantacy Creations (Funtoys)
High on Caffeine (Twice Group)
Kool Kidz Products Ltd (Newar Group)
Liberty Innovative Outfits Ltd
Milestone Interactive Pvt Ltd
United Agencies
Mumbai Delhi Bangalore Pune Chennai Jaipur Hyderabad Chandigarh Ahmedabad Surat
Indore Lucknow Amritsar Goa ludhiana Visakhapatnam Coimbatore Nagpur Nashik Vadodara
Kolkata Aurangabad Madurai Tiruchirappally Rajkot Jalandhar Udaipur Mysore Salem Ballari
Mangalore Patiala Jodhpur Patna Gwalior Ranchi Ujjain Jamnagar Bhavnagar Ahmednagar
Tirunelveli Guwahati Bhubaneswar Jamshedpur Ajmer Hosur Belagavi Dehradun KotaHubli
Dharwad
Kanpur Kochi Kurukshetra Bhopal Dhanbad Tiruppur Jabalpur Guntur Vijayawada Gaya
Raipur Bokaro Siliguri Allahabad HaridwarThiruvananthap
uram Meerut Aligarh Dindigul Pondicherry
Thanjavur Agra Rajahmundry Warangal Tirupati Solapur Ambala Durgapur Rourkela Amravati
Kolhapur Saharanpur Mathura Durg Bhilai
Target Cities
Why AskmePay-Summary
PaymentsMarketing Platform
Opportunity
Low EDC Penetration
Low Charges
Heavy dependency on
Cash
No Platform
High Cost Alternatives
Absolute Winner
SME Connect
Feet on Street
Highly Scalable
