Corporate Presentation 2014 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 Seamlessly networked environment through a rapidly expanding retail network of : – Over 135,000 Oxigen touch points – Government lead portals & Banking Web/ WAP sites and Banking mobile apps. – Currently at 35 million real time transactions a month. OXIGEN Milestones 2004 2005 2006 2007 Company Started Operations o 4 Services o 100 Outlets-Delhi only o 19 services o 20000 Touch points o Citi Group Ventures (USA) invested in Oxigen o Direct to Home satellite added o 28 Services o 35000 touch-points OXIGEN Milestones 2008 o Added Oxigen Wallet, India’s First e-Wallet (accessible from Mobile and Online) o Introduced Travel Services, totaling 30 Services 50000 touch-points o Microsoft partners with Oxigen as a Strategic Investor 2009 o Added Toll Tag payments, Built Connectivity to Bank portals , CSE’s & International Aggregators o 38 Services o 60000 touch points 2010 o Roll out of SBI Kiosk Banking o 75000 touch-points o Planned by 2010 end- Bank Open Oxigen Wallet on Oxigen Wallet platform o Money transfer and P2P Payments OXIGEN Milestones o o 2011 o 2012-14 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 o Extended Oxigen services across multiple white label websites and WAP sites, like Ncarry, Nimbuzz, Airtel Money, Tata MRupee o Launched service of State Banks Mobile wallet SB MobiCash + MobiCash Easy o India’s 1st, non banked wallet, to be granted license by RBI, for Instant Money Transfers integrated with NPCI’s IMPS. oBuilt merchant services for banking web and WAP portals like HDFC, SBI, ICICI, ING Vyasa and more o Launched Mini ATM cum Point of Sale terminal OxiShaan, for rural India o Added Hungama Movies and Music downloads as a service on POS, Mobile and Web o Won the tender and implemented the new Government CSC portal with added features of merchant payments o Beta launch of Visa co branded Aadhaar card at Oxigen retail oAwarded Cash-out pilot by RBI for Oxigen wallet Oxigen Business Universe Customer Segments B2B Oxigen Retailers B2C Consumer Services Modern Retail/Banks/ Rural Retail Chains Services and Solutions Recharges (Mobile/DTH/Broadb and) Travel Services (Air, Rail, Bus) Money Transfers Bill Payments Entertainment & Sports E-Commerce & Online Shopping Banking & Money Transfer Cash Management Merchant Payment International Remittance Wallet Platform & Mobile Applications Merchant Acquisition Oxigen Ecosystem Today Prepaid Services •Mobile •Internet/Broadband •TV (DTH) •Warranty •Entertainment •Toll Traditional Retail MOM & POP STORES GROCERY STORES SMALL CYBERCAFES STATIONARY SHOPS CHEMISTS SMS & IVR Gateway Postpaid Services •Mobile/Fixed line •Internet/Broadband •Utilities Organized Retail CHAIN STORES PETROL PUMPS SUPER MARKETS/MALLS INTERNET CHAINS Payments •Travel (Air/Rail/Bus) •E-Commerce •Retail/Consumer Payments Telecom Retail Transaction & Service Delivery Platform Wallet •Virtual (on mobile) •Physical (cash cards) •White Label (Banks/Telcos) Banking Services •NO Frills A/c opening •Cash-in/Cash-out/transfer •Remittances (Dom./Intl.) •Wallet Top-ups Retail Dispensation Devices TELECOM RETAIL CHAINS TELECOM SHOPS PCO’s Non-Traditional Channels HOUSING COMPLEXES COLLEGES/HOSPITALS/BPOS Oxigen Server Access Consumer Banks International Retail Phone Line/Internet/CDMA/GPRS/SMS POS PC Mobile & Mobile App Retail App Oxigen Business Model Service Aggregation Business Model Oxigen - Retailer The Channels POS Terminal Consumer 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 Oxigen Services Prepaid Mobile Recharge, Calling Cards, Broadband DTH, Music, Cinema, Travel, Deals, Utilities & Bill Payment Key Corporate Distribution Partners Rural Kiosks Chain/Mobile Banking Switches & International Aggregators Banks & Wallets Corporate Retail Chains 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 & unnerved 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. Services on Oxigen (Rail Travel) www.oxirail.com Travel Services on Oxigen Consumer Services (B2C) Wallet Banks Web • Oxigen Mobile Wallet • Other Wallets • Mobile Banking • Internet Banking • White Labels • Powering Consumer Websites • NRI Recharges Oxigen White Label at SBI www.onlinesbi.co.in @ Oxipay Oxigen Whitelabel at HDFC Bank mobile site http://m.hdfcbank.com Oxigen White label at ICICI Bank http://www.icicibank.com/online-services/quick-shopping/index.html New Mobile Value Added Services added by Oxigen • Mobile Content • Music : Nokia Handsets • Music: All Handsets • Movies streaming • Cricket/Soccer Live Streaming on mobile/PC • Mobile TV Loyalty & Couponing Portal Banking Services & Digital Payments 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) Kiosk Banking Impact Areas Total CSP’s Appointed States Covered Accounts Opened Monthly Transactions Total Gross Transactions Value Accounts Projected in 2016 FY 2013-14 5000+ 15 2 million 5 lacs Rs 200 Crore 7 Million Oxigen Wallet Services On PC/Laptop/Tablet Wallet Account Opening Cash-in/Cash-out Money Transfer (All Banks) ATM/Debit Card Aadhaar as KYC Mobile Client Cash-in X POS Terminal Cash-in X Cash-in X Electronic Benefit Transfers X X X Aadhaar Enabled Cash Out May’14 X May’14 State Bank of India BC Services On PC/Laptop/Tablet Mobile Client POS Terminal Account Opening X X Cash-in/Cash-out X X Cash-in to any Bank A/c of same bank (Money Transfer) X X X X X RuPay X X Money Transfer (All Banks) ATM/Debit Card Aadhaar as eKYC X X Electronic Benefit Transfers X X ICICI Bank BC Services On PC/Laptop/Tablet Mobile Client POS Terminal Account Opening X X X Cash-in/Cash-out Cash-in X X Cash-in to any Bank A/c of same bank (Money Transfer) X X X X X X X Money Transfer (All Banks) ATM Card Aadhaar KYC Electronic Benefit Transfers X X X X Money Transfer to 60+ Banks through Oxigen Wallet website using Oxigen Mobile Wallet 10th May'13 Ver 3.2 26 OxiSmart Aadhaar* POS 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 & Printer No Magnetic Swip or Smart Card use, Biometric Authentication for KYC and Banking transactions Airtel Mone 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 Oxigen Universal POS Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Merchant Payment IMPS/RuPay Merchant Payment MasterCard/VISA Money Transfer Cash In/Cash out through Aadhaar Insurance/Music/Warranty NFC/Magnetic Swipe/Smart Card enabled (Supporting Rupay/MasterCard/Visa) Airtel Money Thank You !!