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
•
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.
–
C
urrently
at
30
million real time transactions a
month.
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
2009
2010
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
o
Added Toll Tag payments, Built Connectivity to Bank portals ,
CSE’s & International Aggregators
o
38 Services
o
60000 touch points
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
2011
o
Launched Insurance services
o
Signed agreement SBI for launch Of
MobiCash
, a white labeled
–
prepaid mobile
wallet
o
Launched
OxiSmart
, a new Point of Sale Terminal, with battery back up and in built
GPRS
2012/3
o
Extended Oxigen services across multiple white label websites and WAP sites,
like
Ncarry
,
Nimbuzz
,
Airtel
Money, Tata
MRupee
o
Launched the beta service of State Banks Mobile wallet SB
MobiCash
o
Built 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
OXIGEN Milestones
Customer Segments
Recharges
(Mobile/DTH/Broad
band)
Bill Payments
Travel Services (Air, Rail,
Bus)
Entertainment & Sports
B2B
Oxigen Retailers
B2C
Consumer Services
Modern Retail/Banks/
Rural Retail Chains
Money Transfers
Banking & Insurance
Cash Management
Merchant Payment
International
Remittance
Wallet Platform
& Mobile Applications
Merchant Acquisition
Oxigen Business Universe
E
-
Commerce & Online
Shopping
Services and Solutions
Oxigen Ecosystem Today
Transaction
& Service
Delivery
Platform
Consumer
Phone Line/Internet/CDMA/GPRS/SMS
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
Retail Devices
Oxigen
Server
Access
POS
PC
Mobile
SMS & IVR
Gateway
Postpaid Services
•
Mobile/Fixed line
•
Internet/Broadband
•
Utilities
Payments
•
Travel (Air/Rail/Bus)
•
E
-
Commerce
•
Retail/Consumer Payments
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
Oxigen Business Model
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
-
Retailer
Consumer
Service Aggregation Business Model
The Channels
POS Terminal
PC
Mobile SMS/GPRS
Oxigen Services
DTH, Music, Cinema, Travel, Deals, Utilities, Toll, Classifieds, Banking
Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment
Kiosk
Banking
Key Corporate Distribution Partners
Rural
Kiosks Chain/Mobile Banking Switches & International Aggregators
Corporate Retail Chains
Banks & Wallets
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
3
rd
party
integrations
done
with
multiple
agencies
.
Central Government of India
Services on Oxigen
(
Rail Travel)
www.oxirail.com
Travel Services
on Oxigen
Consumer Services (B2C)
Wallet
•
Oxigen Mobile
Wallet
•
SBI MobiCash
Wallet
•
Other Wallets
Banks
•
Mobile Banking
•
Internet Banking
•
White Labels
Web
•
Powering
Consumer Websites
•
NRI Recharges
Oxigen White label at ICICI Bank
http://www.icicibank.com/online
-
services/quick
-
shopping/index.html
Oxigen
Whitelabel
at HDFC Bank mobile site
http://m.hdfcbank.com
Oxigen White Label at SBI
www.onlinesbi.co.in @
Oxipay
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
Loyalty & Couponing
Portal July 2013
•
Product Roadmap
•
Banking services through Wallets and BC Model
•
August 2013
•
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
FY 2012
Total CSP’s Appointed
3,500+
States
Covered
15
Accounts
Opened
8
lacs
Monthly
Transactions
4
lacs
Monthly Transactions Value
Rs
252
Crore
Accounts
Projected in 2015
70
lacs
Banking The Unbanked
On PC/Laptop/Tablet
Mobile Client
POS Terminal
Account
Opening
Cash
-
in/Cash
-
out
Cash
-
in
Cash
-
in
Cash
-
in
Money Transfer (All Banks)
Oct’13
Money Transfer (Visa/Maestro
debit card)
Jan’14
Jan’14
Jan’14
ATM/Debit Card
X
X
X
Aadhaar
as KYC
Electronic
Benefit Transfers
Jan’14
Jan’14
Jan’14
Aadhaar
Enabled Cash Out
Jan’14
Jan’14
Jan’14
Oxigen Wallet
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
Money Transfer (All Banks)
Oct. ‘13
Oct. ‘13
Oct. ‘13
Money Transfer (Visa/Maestro
debit card)
Jan’14
Jan’14
Jan’14
ATM/Debit Card
RuPay
X
X
Aadhaar
as
eKYC
X
Electronic
Benefit Transfers
X
X
Multi
Bank Cash Out
Jan’14
Jan’14
Jan’14
State Bank of India
On PC/Laptop/Tablet
Mobile Client
PoS Terminal
Account
Opening
Cash
-
in/Cash
-
out
Money Transfer (All Banks)
Money Transfer (Visa/Maestro
debit card)
March’14
March’14
March’14
ATM/Debit Card
X
X
X
Aadhaar
as KYC
Electronic
Benefit Transfers
Jan’14
Jan’14
Jan’14
Government Payments
Dec’13
Dec’13
Dec’13
International Remittance
March’13
March’13
March’13
SBI
MobiCash
Mobile Wallet
On PC/Laptop/Tablet
Mobile Client
POS Terminal
Account
Opening
Prepaid VISA
Dec’13
Dec’13
Cash
-
in/Cash
-
out
X
Oct’13
Cash
-
in to any Bank A/c of same bank
(Money
Transfer
)
Prepaid Visa
X
Oct’13
Money Transfer (All Banks)
Dec’13
Dec’13
Money Transfer (Visa/Maestro
debit card)
Jan’14
Jan’14
Jan’14
ATM Card
Visa
Visa
Visa
Aadhaar
KYC
Electronic
Benefit Transfers
Visa Card
Visa Card
Visa Card
Multi
Bank Cash Out
Jan’14
Jan’14
Jan’14
ICICI Bank
On PC/Laptop/Tablet
Mobile Client
POS Terminal
Account
Opening
X
X
X
Cash
-
in/Cash
-
out
(cash
-
in)
X
X
Remote Cash
-
in (NHBD)
X
X
Money Transfer (All Banks)
X
X
Money Transfer (Visa/Maestro
debit card)
X
X
X
ATM Card
X
X
X
Aadhaar
KYC
X
X
Electronic
Benefit Transfers
X
X
X
Multi
Bank Cash Out
X
X
X
Yes Bank
Oxigen & Digital Payments
Mobile Wallets Supported by Us
Money Transfer to 60+ Banks through Oxigen Wallet website
using Oxigen Mobile Wallet
10th May'13 Ver 3.2
30
Go to www.oxicash.in
Click on ‘Instant Money Transfer’
Select from Options:
•
Wallet to Any Bank (MMID)
•
Wallet to Any Bank (Account Number)
Wallet to Any Bank (Account Number)
Select Wallet to Any Bank (Account Number) option
Wallet to Any
Bank (Account Number)
•
Enter Oxigen Mobile Number
•
6 Digit Password
Wallet to Any
Bank (Account Number)
•
Enter Beneficiary Account Details
•
Enter Amount
Wallet to Any
Bank (Account Number)
36
•
Click on Continue
Wallet to Any
Bank (Account Number)
•
Customer receives OTP on his registered mobile number
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
Text message
From
LMOxCash
Wallet to Any
Bank (Account Number)
•
Enter OTP and click on transfer
Wallet to Any
Bank (Account Number)
10th May'13 Ver 3.2
39
•
Transaction successful message will be displayed on the screen
•
Customer will also get successful transaction message on his registered mobile number
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
Text message
From
LMOxCash
Money Transfer by SMS
10th May'13 Ver 3.2
41
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)
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.
Oxigen POS Entry Level
MobiCash Easy/Oxigen
Wallet
Airtel
Money
cash
-
in
Utility Services
(Recharges/
BillPay
)
Insurance/Music/Warranty
OxiShaan
OxiSmart
GPRS
PoS
with Battery
BackUp
& Printer
No Magnetic
Swip
or Smart Card use
OxiSmart
Aadhaar
* POS
MobiCash Easy/Oxigen
Wallet
Utility Services
(Recharges/
BillPay
)
Insurance/Music/Warranty
Cash in/ Cash Out through
Aadhaar
Airtel
Money/Vodafone
mPesa
Saral
Money VISA
Money Transfer
GPRS
PoS
with Battery
BackUp
& Printer
No Magnetic
Swip
or Smart Card use,
Biometric Authentication for KYC and Banking transactions
Rural Phone POS with
Aadhaar
MobiCash Easy/Oxigen
Wallet
Utility Services
(Recharges/
BillPay
)
Insurance/Music/Warranty
Cash in/ Cash Out through
Aadhaar
Airtel
Money/Vodafone
mPesa
Saral
Money VISA
Money Transfer
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
Oxigen Universal POS
Merchant Payment
-
IMPS/
RuPay
Merchant Payment
-
MasterCard/VISA
Cash In/Cash out through
Aadhaar
Utility Services
(Recharges/
BillPay
)
NFC/Magnetic Swipe/Smart Card enabled
(Supporting Rupay/MasterCard/Visa)
MobiCash Easy/Oxigen
Wallet
Insurance/Music/Warranty
Airtel
Money/Vodafone
mPesa
Saral
Money VISA
Money Transfer
Square like App
Merchant Payment
-
IMPS
Cash In through IMPS
Cash Out through IMPS
Merchant Payments
RuPay
/Visa/MC/Amex
Utility Services
(Recharges/
BillPay
)
SBI Prepaid Mobile Wallet
Powered by Oxigen
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.
•
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
Unique features of SB MobiCash
International Remittance Service
Oxigen International Remittance Model
•
Oxigen International Remittance model is split into three parts:
–
Cash to Cash
(Remitter giving cash at Exchange
H
ouse 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)
“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
Cash to Cash to Bank A/c Transfer Process Flow
Remitter
Oxigen
Retailer
3
Exchange House takes
money and transfers the
same via MTSS Operators
2
Remitter walks into
Exchange House and
gives cash with
details of beneficiary
1
Remitter wants to
send money to
India
Exchange
House
5
Oxigen as a Principal
Agent of MTSS Operators
will have its agents
available for cash out
4
WU Transfers
money to India as
per its existing
process
6
Beneficiary visits
the agent
(Oxigen retailer)
to take cash
8
Oxigen retailer creates
Oxigen Wallet of
customer at
www.oxicash.in
and
transfers money to any
of 55 banks under NPCI
7
Beneficiary takes
cash from retailer or
transfers money to
bank account as per
step 8
“Cash to Bank” International Remittance Model
•
Oxigen manages State Bank of India’s Mobile wallet “State Bank
MobiCash
” as an End to End Service
P
rovider
•
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
International Remittance
Beneficiary Wallet Creation
Remitter
Beneficiary
Oxigen Retailer
5
Retailer contacts
beneficiary and fills SBI
Wallet A/c opening form
of beneficiary
3
WU forwards the beneficiary
details to Oxigen
2
Remitter is already using
MTSS Operators channel for
cash to cash transfers with
beneficiary information
1
Remitter wants to
send money to a
SB
MobiCash
Wallet in India
6
Retailer submits
beneficiary account
opening form along with
KYC documents to SBI
7
Retailer submits wallet
details to Oxigen
4
Oxigen sales team passes
the contact details of
beneficiary to nearest
retailer to open
MobiCash
Wallet A/c of
the Beneficiary
8
Oxigen sends Wallet
A/C number to WU
10
Remitter receives confirmation
message from WU that his
beneficiary account has been
opened for receiving remittances
in to a banked wallet
9
WU informs the
customer about wallet
details of beneficiary
International Remittance Money Transfer (Cash to Bank Wallet)
Remitter
Oxigen Retailer
3
WU send remittance to SBI
where it has
Correspondence
B
ank
relationship
2
Remitter uses MTSS Operators
to registered beneficiary with
MobiCash
wallet, the request
contains beneficiary wallet a/c
number, IFSC Code of SBI and
amount
1
Remitter wants to
send money to
MobiCash
Bank
Wallet in India
4
SBI/Oxigen backend credits
the beneficiary account with
the remittance amount and
sends SMS that remittance
has been received in the
account
5
Beneficiary visits the
retailer (Oxigen BC
Agent of SBI) to
withdraw cash from
account
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
6
Oxigen sends confirmation
message to WU that
remittance has been
credited in beneficiary
account
7
Customer receives
confirmation message
from WU that remittance
has been credited to
beneficiary account
Beneficiary
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.
Oxigen BC Ecosystem for International Remittance
Transaction
& Service
Delivery
Platform for
enabling SBI
BC services at
retail for
MobiCash
Wallet
International
Banks &
Payroll
Processors
PC
Remittance
to
Customer’s
Banked
Wallet
POS
Mobile
Oxigen Pan India
CSP Network
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
Oxigen Retail Network
Cash withdrawal
from A/C
Wallet Top
-
up
BANK A/C
deposit
Wallet Cash out
Oxigen as
BC of SBI
CSP Services
Transfers
“
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
)
Thank You !!
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