Kiosk PC Wallet Cell Phone Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual & multi-currency Ideal for the un-banked consumer Provides identity protection Management Team:
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Joseph Barboza, President & CEO
Robert J. Bowdring, VP, Finance and CFO
Frank J. DeCaro, VP of Business Development
Paul D. Creme, VP and General Counsel
St. Jones®, VP of Marketing
Dennis Bache, Director of Sales
Elena Savolainen, Director, Customer Support
Al Butler, Director of Engineering
Ildar Khamitov, Ph.D., Director, Software Engineering, St. Petersburg, Russia
Board of Directors:
Ivan Kouznetsov, PHD, Chairman
Joseph Barboza, President & C.E.O.
Sergey Bodrunov, General Director Aerospace Equipment Corp.
Art Feather, VP, Cisco Systems Inc.
Natalia Karelina, Treasurer, Tavrichesky Bank
from multiple payment sources (bank, debit, credit)
PM - XML
Support Account Management
Merchant Payment System
Consumer Account Management
Merchant Account Management
Cash based Internet payments
Self-service transactional & informational systems
Cellular based payments
American Payment Systems (CheckFree),
ACE Cash Express,
Alliance Data Systems,
Blackstone Calling Cards,
IPP of America,
Western Union (First Data),
Visa U.S.A., and
Remittances to LAC exceeded $45 Billion in 2006 (IADB)
up 51%since 2004
Est. $30 B to Mexico
This chart shows a 100% increase in remittances to Mexico from 2001 to 2005, which has created competitive price pressure on the leaders.
Everyreceiving country has seen tremendous growth. Mexico is the volume leader due to it's population size and proximity to the US.
Mobile plays a much more significant – and faster-growing – role in the lives of Latino consumers than it does in those of Non-Hispanic White consumers, both for voice…
Group is also highest
mobile user group!
...and data services
On average, Hispanics generate $15 more ARPU per month than non-Hispanics
($90 vs. $75)
(Pew Internet & American Life Project, Associated Press, AOL cell phone survey. March 8-28, 2006 )