Corporate Presentation December 2013

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 !!