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Corporate Presentation December 2013 PowerPoint PPT Presentation


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Corporate Presentation December 2013 . About Oxigen. B2B, IT enabled transaction and payment processing platform Investments from Indian promoters & Blue Label Telecom South Africa Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services

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Corporate Presentation December 2013

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Corporate Presentation December 2013


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AboutOxigen

  • B2B, IT enabled transaction and payment processing platform

  • Investments from Indian promoters & Blue Label Telecom South Africa

  • Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services

  • Seamlessly networked environment through a rapidly expanding retail network of :

    • Over 130,000 Oxigen touch points

    • Government lead portals & Banking Web/ WAP sites and Banking mobile apps.

    • Currently at 30million real time transactions a month.


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OXIGEN Milestones

Company Started Operations

2004

  • 4 Services

  • 100 Outlets-Delhi only

2005

  • 19 services

  • 20000 Touch points

  • Citi Group Ventures (USA) invested in Oxigen

2006

  • Direct to Home satellite added

  • 28 Services

  • 35000 touch-points

2007


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OXIGEN Milestones

  • Added Oxigen Wallet, India’s First e-Wallet (accessible from

  • Mobile and Online)

  • Introduced Travel Services, totaling 30 Services

  • 50000 touch-points

  • Microsoft partners with Oxigen as a Strategic Investor

2008

  • Added Toll Tag payments, Built Connectivity to Bank portals ,

  • CSE’s & International Aggregators

  • 38 Services

  • 60000 touch points

2009

  • Roll out of SBI Kiosk Banking

  • 75000 touch-points

  • Planned by 2010 end- Bank Open Oxigen Wallet on Oxigen Wallet

  • platform

  • Money transfer and P2P Payments

2010


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OXIGEN Milestones

  • Launched Insurance services

  • Signed agreement SBI for launch Of MobiCash, a white labeled –prepaid mobile wallet

  • Launched OxiSmart, a new Point of Sale Terminal, with battery back up and in built GPRS

2011

  • Extended Oxigen services across multiple white label websites and WAP sites,

  • like Ncarry, Nimbuzz, Airtel Money, Tata MRupee

  • Launched the beta service of State Banks Mobile wallet SB MobiCash

  • Built merchant services for banking web and WAP portals like HDFC, SBI,

  • ICICI, ING Vyasa and more

  • Launched Mini ATM cum Point of Sale terminal OxiShaan, for rural India

  • Added Hungama Movies and Music downloads as a service on POS,

  • Mobile and Web

  • Won the tender and implemented the new Government CSC portal with

  • added features of merchant payments

  • Beta launch of Visa co branded Aadhaar card at Oxigen retail

2012/3


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Oxigen Business Universe

Customer Segments

B2B

Oxigen Retailers

B2C

Consumer Services

Modern Retail/Banks/ Rural Retail Chains

Services and Solutions

Recharges (Mobile/DTH/Broadband)

Travel Services (Air, Rail, Bus)

Money Transfers

Bill Payments

Entertainment & Sports

E-Commerce & Online Shopping

Banking & Insurance

Cash Management

Merchant Payment

International Remittance

Wallet Platform

& Mobile Applications

Merchant Acquisition


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Oxigen Ecosystem Today

  • Prepaid Services

  • Mobile

  • Internet/Broadband

  • TV (DTH)

  • Warranty

  • Entertainment

  • Toll

Un-organized Retail

MOM & POP STORES

GROCERY STORES

SMALL CYBERCAFES

STATIONARY SHOPS

CHEMISTS

Organized Retail

CHAIN STORES

PETROL PUMPS

SUPER MARKETS/MALLS

INTERNET CHAINS

Telecom Retail

TELECOM RETAIL CHAINS

TELECOM SHOPS

PCO’s

Non-Traditional Channels

HOUSING COMPLEXES

COLLEGES/HOSPITALS/BPOS0

Banks

International Retail

SMS & IVR Gateway

  • Postpaid Services

  • Mobile/Fixed line

  • Internet/Broadband

  • Utilities

  • Payments

  • Travel (Air/Rail/Bus)

  • E-Commerce

  • Retail/Consumer Payments

Transaction & Service Delivery Platform

  • Wallet

  • Virtual (on mobile)

  • Physical (cash cards)

  • White Label (Banks/Telcos)

Consumer

  • Banking Services

  • NO Frills A/c opening

  • Cash-in/Cash-out/transfer

  • Remittances (Dom./Intl.)

  • Wallet Top-ups

Oxigen Server Access

Phone Line/Internet/CDMA/GPRS/SMS

POS

PC

Mobile

Retail Devices


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Oxigen Business Model


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Service Aggregation Business Model

Oxigen - Retailer

The Channels

Consumer

POS Terminal

PC

Mobile SMS/GPRS

  • Retailer Benefits

  • Inventory in cash, only to the extent of daily sales

  • Investment in only one device i.e. Terminal, PC, Mobile for all services including recharges, bill payment, ticketing and now banking/remittance

  • Full audit trail and MIS and real time reconciliation of balance with each transaction


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Oxigen Services

Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment

DTH, Music, Cinema, Travel, Deals, Utilities, Toll, Classifieds, Banking

Kiosk Banking


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Key Corporate Distribution Partners

Rural Kiosks Chain/Mobile Banking Switches & International Aggregators

Banks & Wallets

Corporate Retail Chains


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Central Government of India

  • The Common Services Center Scheme is a part of the ambitious National e-Governance Plan .

  • Front end delivery outlets for delivery of Government as well as Private Sector services

  • Especially aimed for India’s half a billion unbanked & unserved rural population.

  • CSC Portal which has been developed & powered by Oxigen is used by 100,000 centers located all over India.

  • Varied 3rd party integrations done with multiple agencies.


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Services on Oxigen

(Rail Travel) www.oxirail.com


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Travel Services on Oxigen


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Consumer Services (B2C)


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Oxigen White label at ICICI Bank

http://www.icicibank.com/online-services/quick-shopping/index.html


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Oxigen Whitelabel at HDFC Bank mobile site

http://m.hdfcbank.com


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Oxigen White Label at SBI

www.onlinesbi.co.in @ Oxipay


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New Mobile Value Added Services being added by Oxigen

1.Mobile Content

2.Music : Nokia Handsets

3.Music: All Handsets

4.Movies streaming

5.Handset and Tablet Warranty

6.Laptop warranty


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Loyalty & Couponing Portal July 2013


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Product Roadmap

Banking services through Wallets and BC Model

August 2013


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Banking The Unbanked

SBI has appointed Oxigen as a Banking Correspondent for Rural Kiosk Banking for opening bank accounts and cash deposits/ withdrawals/ transfers through Oxigen-enabled Customer Service Points (CSPs)


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Oxigen Wallet


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State Bank of India


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SBI MobiCash Mobile Wallet


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ICICI Bank


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Yes Bank


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Oxigen & Digital Payments


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Mobile Wallets Supported by Us


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Money Transfer to 60+ Banks through Oxigen Wallet website using Oxigen Mobile Wallet


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Go to www.oxicash.in


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Click on ‘Instant Money Transfer’

  • Select from Options:

    • Wallet to Any Bank (MMID)

    • Wallet to Any Bank (Account Number)


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Wallet to Any Bank (Account Number)

Select Wallet to Any Bank (Account Number) option


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Wallet to Any Bank (Account Number)

  • Enter Oxigen Mobile Number

  • 6 Digit Password


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Wallet to Any Bank (Account Number)

  • Enter Beneficiary Account Details

  • Enter Amount


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Wallet to Any Bank (Account Number)

  • Click on Continue


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Wallet to Any Bank (Account Number)

  • Customer receives OTP on his registered mobile number

Text message

From LMOxCash

Dear User, Pl. use OTP 305840 on www.oxicash.in/moneytransfer to authorize money transfer. OTP is valid for 1 hrs sent 03:34 hrs on 02/05/13


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Wallet to Any Bank (Account Number)

  • Enter OTP and click on transfer


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Wallet to Any Bank (Account Number)

  • Transaction successful message will be displayed on the screen


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Text message

From LMOxCash

You’re a/c no. XXXXXX1371 is debited for Rs.50 on 02-05-13 and a/c XXXXXXXX2561 credited (IMPS Ref no 312203154633). Oxigen Wallet Service

Customer will also get successful transaction message on his registered mobile number


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Money Transfer by SMS


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Using IFSC Code

Customer Sends below mentioned message from the registered mobile number to the long codes 9870888888 or 9971888888 as a simple sms:

IMPS*BeneficiaryAccountNumber*IFSC Code *Amount*OxigenWalletPassword*Remark

For Example: IMPS*006690600000280*ICIC0002378*100 *123456*Test

(where, IMPS is the keyword, 006690600000280 is the beneficiary bank account number, 100.50 is the amount to be transferred, Oxigen Wallet Password is 123456, and the Remark field is Test)


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Oxigen Smart Terminal

Faced with the challenges of connectivity and cost of GPRS Terminal, Oxigen decided to develop its own terminal keeping in mind market need and futuristic application

It has taken over 18 months to develop the terminal and the commercial deployment has already commenced with 40,000 PoS already deployed.

The basic model is built such that it can be upgraded to include functionalities such as Magnetic Swipe Card, NFC, Biometric.


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Oxigen POS Entry Level

Utility Services (Recharges/BillPay)

MobiCash Easy/Oxigen Wallet

Airtel Money

cash-in

Insurance/Music/Warranty

OxiShaanOxiSmart

GPRS PoS with Battery BackUp & Printer

No Magnetic Swip or Smart Card use


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OxiSmartAadhaar* POS

Utility Services (Recharges/BillPay)

MobiCash Easy/Oxigen Wallet

Saral Money VISA

Cash in/ Cash Out through Aadhaar

Money Transfer

Insurance/Music/Warranty

Airtel Money/Vodafone mPesa

GPRS PoS with Battery BackUp & Printer

No Magnetic Swip or Smart Card use,

Biometric Authentication for KYC and Banking transactions


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Rural Phone POS with Aadhaar

Utility Services (Recharges/BillPay)

MobiCash Easy/Oxigen Wallet

Saral Money VISA

Cash in/ Cash Out through Aadhaar

Money Transfer

Insurance/Music/Warranty

GPRS PoS with Battery BackUp, No Magnetic Swip or Smart Card use,

Biometric Authentication for KYC and Banking transactions

Also doubles up as mobile phone function in rural areas

Airtel Money/Vodafone mPesa


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Oxigen Universal POS

Utility Services (Recharges/BillPay)

MobiCash Easy/Oxigen Wallet

Merchant Payment - IMPS/RuPay

Saral Money VISA

Merchant Payment - MasterCard/VISA

Cash In/Cash out through Aadhaar

Money Transfer

Insurance/Music/Warranty

Airtel Money/Vodafone mPesa

NFC/Magnetic Swipe/Smart Card enabled

(Supporting Rupay/MasterCard/Visa)


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Square like App

Cash In through IMPS

Cash Out through IMPS

Utility Services (Recharges/BillPay)

Merchant Payment - IMPS

Merchant Payments

RuPay/Visa/MC/Amex


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SBI Prepaid Mobile WalletPowered by Oxigen


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State Bank Launches a Prepaid Bank A/c, which can be used on Mobile, Via a Mobile Wallet Application called STATE BANK MOBICASH, 2012.

Users of this Mobile A/c can perform all their Banking services on the mobile.

SB MobiCash is a prepaid mobile wallet account and can be used to make payments for goods and services, Person 2 Person money transfer and Cash in/ cash withdrawal using this application.

MobiCash Mobile Wallet Application can be downloaded at Oxigen’s State Bank of India Customer Service Points, after filling in a form and getting it approved by State Bank.

Unique features of SB MobiCash

  • Mobile Banking Product from India’s largest Bank

  • State Bank Mobicash is a virtual prepaid bank account

  • Anytime, Anywhere Banking

  • It is like a pre-paid card on your mobile phone

  • Secured environment for Transactions

  • Large service bouquet

  • Cost Effective Services

  • User friendly Mobile Application

  • Pay on the go


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International Remittance Service


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Oxigen International Remittance Model

  • Oxigen International Remittance model is split into three parts:

    • Cash to Cash (Remitter giving cash at Exchange House out side India and receiver receives cash from agent in India)

    • Cash to Bank (Remitter giving cash at Exchange House out side India and receiver receives funds into a bank account in India)

    • Bank to Bank (Remitter having bank account outside India and receiver receives funds into a bank account in India)


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“Cash to Cash” International Remittance Model

Oxigen is applying for “Full Fledged Money Changer” (FFMC) license in India which is expected by 2014

Oxigen with FFMC license will work with MTSS (Money Transfer Service Scheme of International remittances) Operators to become Principal Agent of MTSS Operators in India

Oxigen will also make its CSP point as outlets for issuance and loading of ICICI Bank Travel Card

All Oxigen outlet can be made cash-out agents for MTSS Operators

At the time of cash-out, at agent location, instead of giving cash, customer’s Oxigen Wallet/MobiCash wallet can also be opened and loaded with this cash by agent for money transfer to a bank account through Oxigen Wallet and Oxigen’s unique connectivity to 60+Banks through NPCI

An example is shown with MTSS Operator Western Union


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Cash to Cash to Bank A/c Transfer Process Flow

2

Remitter walks into Exchange House and gives cash with details of beneficiary

Exchange House

Remitter

Oxigen Retailer

3

8

6

4

5

7

1

Exchange House takes money and transfers the same via MTSS Operators

Remitter wants to send money to India

Oxigen as a Principal Agent of MTSS Operators will have its agents available for cash out

WU Transfers money to India as per its existing process

Beneficiary visits the agent (Oxigen retailer) to take cash

Oxigen retailer creates Oxigen Wallet of customer at www.oxicash.in and transfers money to any of 55 banks under NPCI

Beneficiary takes cash from retailer or transfers money to bank account as per step 8


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“Cash to Bank” International Remittance Model

Oxigen manages State Bank of India’s Mobile wallet “State Bank MobiCash” as an End to End Service Provider

Under RBI Guidelines Bank issued prepaid mobile wallets can receive International Remittance directly into wallet, provided there are no other funding sources to load the wallet except International remittance

This requires Exchange House or MTSS Operators to have eMoney license in remitter country

Oxigen is Business Correspondent to State Bank of India and ICICI Bank

Oxigen would support this process for creating customer’s State Bank MobiCash wallets to receive international remittance

Before initiating the remittance, beneficiary wallet creation would be required to enable this process

All Oxigen outlet which are BC Agents of Oxigen would be the cash-out point

State Bank MobiCash wallet is capable of domestic transfer to 55 banks in the same way as Oxigen Wallet


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International RemittanceBeneficiary Wallet Creation

Remitter

Oxigen Retailer

Beneficiary

10

4

3

2

5

6

8

7

1

9

Oxigen sales team passes the contact details of beneficiary to nearest retailer to open MobiCash Wallet A/c of the Beneficiary

Retailer submits wallet details to Oxigen

Remitter receives confirmation message from WU that his beneficiary account has been opened for receiving remittances in to a banked wallet

Oxigen sends Wallet

A/C number to WU

Remitter wants to send money to a SB MobiCash Wallet in India

Retailer submits beneficiary account opening form along with KYC documents to SBI

Remitter is already using MTSS Operators channel for cash to cash transfers with beneficiary information

WU forwards the beneficiary details to Oxigen

Retailer contacts beneficiary and fills SBI Wallet A/c opening form of beneficiary

WU informs the customer about wallet details of beneficiary


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International Remittance Money Transfer (Cash to Bank Wallet)

7

Customer receives confirmation message from WU that remittance has been credited to beneficiary account

Remitter

8

Retailer gives cash to beneficiary after successful validation from Oxigen or transfers money to a bank account in the same way as explained for Oxigen Wallet

Oxigen Retailer

Beneficiary

4

1

3

2

5

6

Remitter uses MTSS Operators to registered beneficiary with MobiCash wallet, the request contains beneficiary wallet a/c number, IFSC Code of SBI and amount

SBI/Oxigen backend credits the beneficiary account with the remittance amount and sends SMS that remittance has been received in the account

WU send remittance to SBI where it has Correspondence Bank relationship

Remitter wants to send money to MobiCash Bank Wallet in India

Beneficiary visits the retailer (Oxigen BC Agent of SBI) to withdraw cash from account

Oxigen sends confirmation message to WU that remittance has been credited in beneficiary account


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Oxigen Bank to Bank International Remittance Model

Each Oxigen outlet will be Customer Service Point (CSP) with Oxigen as Business Correspondent to bank

International remittance would be through bank account to bank account or Bank A/c to Wallet A/c (Banked Cash cards)

Signed up with Luup International UK for mobile based access to over 2 million Gulf Immigrants for enabling remittance through banking channel and cash out at Oxigen CSP.


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Oxigen BC Ecosystem for International Remittance

Oxigen Pan India

CSP Network

Oxigen as

BC of SBI

CSP Services

PC

BANK A/C

deposit

Oxigen

Remittance

to Customer’s

Banked

Wallet

International

Banks &

Payroll

Processors

Transaction & Service Delivery Platform for enabling SBI BC services at retail for MobiCash Wallet

Cash withdrawal from A/C

POS

Wallet Top-up

Mobile

Wallet Cash out

Organized Retail

CHAIN STORES

PETROL PUMPS

SUPER MARKETS/MALLS

INTERNET CHAINS

TELECOM RETAIL CHAINS

Un-organized Retail

MOM & POP STORES

GROCERY STORES

SMALL CYBERCAFES

STATIONARY SHOPS

CHEMISTS

TELECOM SHOPS

PCO’s

Transfers

Oxigen Retail Network


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“ We’re the only company that owns the whole widget – the hardware, the software and the operating system.

We can take full responsibility for the user experience.

We can do things the other guys can’t do”.

– Steve Jobs

(Looks like he is talking about Oxigen  )


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Thank You !!


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