People dont buy products people buy value

1. Executive Summary
Mission statement
Mission for Clients
ASIP dikembangkan untuk melayani kebutuhan Client untuk kemudahan dalam layanan
transaksi perbankan terutama untuk transaksi finansial sehingga akan meningkatkan
pendapatan di luar biaya konvensional.
Mission for End Users
ASIP diharapakan dapat memudahkan nasabah untuk transaksi finansial dimana saja, kapan
saja, secara aman, cepat tanpa harus datang ke bank dan tidak ada waktu yang terbuang
Mission for ASIP
ASIP dikembangkan untuk mengakomodasi dan memfasilitasi seluruh layanan perbankan
sehingga lebih efisiensi dan lebih mudah penggunaannya bagi nasabah
Simplify financial processing by consolidating services under a single platform.
Facilitate transactions
Tiap orang
1.1 Objectives
ASIP Core Objective: Maximize Transaction Volume
Achieved by providing services which facilitate Transactions
Administered by system implementation

Value derived by ASIP clients is a function of the value experienced by end users
as ASIP clients want to give their customers the best value

If value is proven to potential Clients (Via End users), ASIP network gains growth opportunities

1.2 Mission
Expand the ASIP network and its subsidiaries
Promote a banking 'Culture shift' to Create a banking standard for financial services of which ASIP is a
leading provider.

Expansion of the end user base will ensure long term profitability.
Through a greater network, ALTO will have a larger audience to offer further services, such as database
management.

Vision & Strategy
What makes your company unique?
What are your core competencies?
Established Network
What kind of market presence do you want?
Pioneer

1.3 Keys to Success
Adoption of services
Demand of services

Initial success is dependent on accumulation of ASIP clients
Further success relies on end-users adopting and using services


2 Company Summary
Departments

2.1 Company / Industry Background
*Describe Infrastructure which would allow the company to flourish*
By using Alto's established network ...

Traditional methods vs. ASIP benefits
Currently people manage their money through
Banking activities are done through
( Provide current and projected numbers )


3. Services

Internet Banking
Mobile Banking
ATM Forex Exchange
Direct Debit
Virtual Card Number
Biller Gateway


Competitive Edge

Established Networks / Systems / Software
Lower Costs for Banks / Institutions
Consolidated system
ALTO's 15 000 ATM's

Small financial institutions may not be able to afford to develop, implement or maintain the services
that ASIP provides.
ASIP aims to cater to such firms to be more competitive by helping them provide value to their
customers

Marketing
ASIP is a diverse platform with a range of services to suit various institutions with differing needs.
As such, the value and benefits emphasized to firms will vary
The core Marketing objective of all the services remains education and making sure clients adopt the
services

Education is key as it's adoption effects are exponential. Adoption in turn drives the demand because of
the created 'Standard'.

For instance, Internet banking is currently not popular in Indonesia.
Through educational campaigns, there will be a knock on effect of people teaching and encouraging
their friends, family and colleagues to use it.
This will ease them into using other services, such as mobile banking and the biller gateway.

Once this occurs and the means of banking shifts to digital avenues, end users will begin to demand the
services that ASIP offers (creating the standard), encouraging other banks to join the system in order to
stay competitive.

Organizations

Management Team














4. Market Analysis Summary
Discover most beneficial stakeholders

4.1 Market Segmentation
Categorize by Services
4.2 Target Market Segment Strategy
E.G. University Cashless Campus
Through education, implementation and demonstrated efficiency, create standard to encourage other
Universities to adopt system

Partner with early adopters

4.3 Service Business Analysis

4.3.1 Competition and Buying Patterns

5. Strategy and Implementation Summary
5.1 Competitive Edge
5.2 Marketing Strategy
5.3 Sales Strategy
5.3.1 Sales Forecast
5.4 Milestones

6 Management Summary

7 Financial Plan













Business description
Main purpose
Provide institutions with a comprehensive, expandable financial services package

ASIP makes money through transactions as well as fees that clients pay to use the service

What services
ASIP is a Financial Solutions Package which can facilitate
Internet Banking
Mobile Banking
ATM Forex Exchange
Direct Debit
Virtual Card Number
Biller Gateway
ASIP Helps
Ease Transactions
Provide better service to bank
Expand bank services
Lower costs
Eliminates development costs for smaller firms for implementation of services

Who are customers / suppliers
Depending on services required
Banks, Schools

What role do you play?
Provide Intermediary system

Additional roles outside of core services
Education and promotion

Does Business have growth potential
New modules installed by single institution
New modules created

How profitable can the business become
Indonesia is developing, population growth, financial services needed more
Profitability can increase by means of:
Growing Client Network
Increase in Volume of transactions
As such, ASIP has an interest in adoption of technologies and boost transaction numbers.

It would be beneficial for customers to adopt ASIP in their monetary / financial activities
as such, value, convenience and incentives must be emphasized to all parties.

Barriers to adoption must be addressed by education campaigns

Vendors and clients are crucial to encouraging uptake

Factors affecting success:
Rate of service adoption, Demand
Educating customers of technology, providing/demonstrating benefits
Create demand for services by shifting traditional methods
What will business be in 5 years


Demand from end users
Adoption
Transaction Volume
Business environment analysis
Political Factors
Policies, Tax Law, Tariffs, Legislation concerning Financial Services

Economic Factors
Inflation, Interest
Social Factors
Culture, Demographics
Technological Factors
Required Technology / Infrastructure
Legal Factors

Environmental Factors

SWOT analysis
Strengths
100 Partners with biller gateway
Weaknesses

Opportunities
Established biller network
Threats

Industry background
Competitor analysis
Market analysis
Marketing plan
Operations plan
Management summary
Financial plan
Attachments and milestones


Profit Center

End users vs. ASIP Clients


I.