MOBILE PAISA

“An ATM machine that literally slips in your pocket”

What is Mobile PAISA?
Mobile Paisa is a mobile enabled application and payment service provider which
enables its network of users/subscribers to make convenient payments to any
designated affiliates or Mobile Paisa’s appointed network of merchants to accept
MP points as mobile based payment gateway.
Mobile Paisa is the issuer for e-money virtual mobile based prepaid card
accounts by means of using your mobile phone to make purchases via SMS
as well as using the same e-money account to make purchases via the
Internet.
What we do?
MOBILE PAISA is developed to cater for mass consumer market with full
mobility payment system that helps to enhance the efficiency and
productivity of commerce transactions and faster turn around time. This has
successfully eliminate the hassle of physically carrying Cash, Loyalty cards
and Discount cards and hence reducing the overall operating cost of
managing the conventional method of transactions.
In addition, MOBILE PAISA  offers the highest level of security, mobility,
flexibility and rewards to its network membership base. 
 Project Executive Model
Top-ups Top-ups
COMPANY Sales Force Vendor
Collection + Collection +
Commission Commission
En
ca sh

p - ups
To
C ash
rd
Ha

CUSTOMER
MP Points MP Points

Supplier Retailer
MP Points
 Objectives of mobile paisa
 
1. To provide customers the most convenient shopping experience.
2. Making payment simpler just with the mobile number of the beneficiary         
3. To sub-serve the goal of Reserve Bank of India (RBI)  in electronification of retail
payments
4. To facilitate mobile payment systems already introduced in India with the Reserve
Bank of India Mobile Payment Guidelines 2008 to be inter-operable across banks and
mobile operators in a safe and secured manner
5. To build the foundation for a full range of mobile based Banking services.    
6. To serve the purpose of financial inclusion of bottom of pyramid people.
Mission & Vision
Mission: "To help our customers build richer relationships
and networks with the people and things that matter to
them most“.

Vision: “To be a market pioneer and a market leader in

providing differentiating payment services”.
Facts & Figures About Industry
NEED
Security - Two-factor authentication and a risk management engine
prevents fraud.
Convenience - Ease of payment.
Easy - It's just another option during the checkout process.
Fast - Most transactions are completed in less than 10 seconds.
No bank account and no internet connectivity
SCOPE
• Vendor for top ups
• Telecom Operator
• Retail Partners
• Compliance with regulatory authorities (RBI & TRAI)
FUTURE
• Music, videos, ringtones, online game subscription or items, wallpapers and
other digital goods.
• Transportation fare (bus, subway or train), parking meters and other services
• Books, magazines, tickets and other hard goods.
• Phone bills, Electrical bills, Water bills, Internet bills, Utility bills
• Education fees.
• Recreational club fees.
• Insurance premiums.
• Financial Services.
 Benefits of M-Paisa over credit and debit cards
MOBILE WALLET Debit Card Credit Card

Instant top-up, instant spending. Spending directly deducted from your Spend first, settle payment later.
account.

Instant checking balance through Need to make sure account has Keep spending without worrying
mobile phone. enough money before spending. account balancing.

Enjoy shopping and manage to Always worrying account balancing Overspending and increase debt.
control spending budget. can’t cover shopping expenses.
STP
Segmentation:
Geographic: Metro Cities (Delhi & Mumbai)
Demographic: Age: 18-45 years
Psychographic: Techno savvy
Behavioral: Benefits: Speedy Transaction.
Readiness Stage: Unaware
Targeting:
Single Segment Concentration.
Target market is Mumbai and Delhi
• High per capita income
• High tele density
• High number of techno savvy people
Positioning:
Product Features and Benefits
Positioning Strategy:
• Speedy transactions.
• Convenience.
• Security
 4 P’s
PRODUCT:
Core Benefit : Convenience
Basic Product: Mobile Payment Service
Expected Product: Fast track & secured
transactions
Potential Product: Payment Of Bills, Fares, Fees
 PRODUCT
Product is a user friendly software need to be installed in your mobiles (any
mobile) with installation charge Rs 30 (lifetime).
Software is easily available with top-up vendors and mobile operators.
Data Base (Main frame) will store the customer’s information.
Mobile Paisa (MP) Points: Rs500= 495 MP points.
Rs1≈1MP pt.
 VARIANTS
Types of Top-Up Coupons:
Rs 100 95 MP pts.
Rs 200 192 MP pts.
Rs 500 495 MP pts.
Rs 1000 993 MP pts.
Rs 5000 4988 MP pts.
One time installation cost Rs 30
Annual maintenance cost Rs 50
PRICE:
Objective: Market penetration.
Determining Demand:
Estimating Cost:
Method: Markup Pricing.
PLACE:
Mobile Recharge Points
Top up Vendors

Distribution Networks

Top-up
vouchers
COMPANY Sales Force

Top-up
Collection vouchers

Top-up
vouchers
Customers Top-Up Vendors
PROMOTION:
Electronic Media: SMS and Internet.
Print Media: Banners, newspapers and leaflets.

Advertising Cost: First 2 years 3% of sales

3 year onwards 5% of sales
SMS
Mobile Operator (Aircel)
Banners
Retail Outlet
 FINANCIAL IMPLEMENTATION
Excel Sheet
• Customer Base
• Technology Adaption Graph
• Commission
• Revenue Analysis
• Break Even Analysis
• Profitability Analysis
Risks
• Acceptability.
• Trust ability.

Remediation Plans:
Promotions and tie ups with organized retail & heavy benefits on using our
service.
Credentials and trusted software( Symantec)
BIBLIOGRAPHY
www.rbi.org.in
www.coai.com
www.trai.gov.in/Default.asp
http://www.indiatechonline.com/juxt-india-mobile-study--60.php
www.moneycontrol.com
Interbank Mobile Payment Service (IMPS)
The Marketing White book by Business World
Corporate Finance by Ros & Westerfield