updated gprs presentation
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gprsTRANSCRIPT
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The The
System System
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• Introduction– Who We Are– Clients & Principals
• Products & Services– Remittance Fulfilment Services– Remittance System– Bills Pay– Ticketing Office– Airtime Loading
C o n t e n t s
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Who We Are
• Global Pinoy Remittance & Services (GPRS)Global Pinoy Remittance & Services (GPRS)– Remittance Company– Aggregator for Merchants, Banks, TelCos,
Carriers and RemCos– Has more than 40 partners with more than 200
outlets in more than 15 countries– Ticketing and Booking
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International Coverage
– Australia– Austria– Canada– Greece– Ireland– Hong Kong– Japan– Kingdom of Saudi Arabia
– New Zealand– Palau– Qatar– Singapore– Spain– Taiwan– U.A.E.– Oman– Kuwait– U.K.– U.S.A
Soon to Open in other key location globally.
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What is GPRS?
• With such partners on hand, RRPC conceptualized GPRS to serve as its distribution channel carrying a variety of fulfillment and value added services.
The GPRS System is an online (web) transactional and reporting facility which is capable of doing the following:
• Wallet System Fund transfer• Airtime load transfer • Money transfer to a GPRS Card or
Smart Padala (Smart Money Card)• Bills payment• Remittance transactions such as
Credit-to-bank, Cebuana Lhuiller’s Pera Padala, Door-to-door, Pick-up services and our up-coming Product Padala services
• Ticketing/Booking
•GPRS is a full-valued service for the Global & Local Filipinos that promotes reliability and efficiency.
ServicesServices
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Objectives
• To affiliate GPRS partners locally and internationally • To reach-out to all Filipinos abroad and in the
Philippines• To be the most reliable multi-purpose remittance
service provider that meets the needs of clients in the Philippines and the Global Filipino.
• Ultimately, our company persists in finding innovative ways of bringing more services to the Global and Local Filipino market by making their lives more efficient without sacrificing security and reliability. With this as our foreground, rest assured that what we have is a continuous growth of value added services.
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RRPCRRPC
BANKSBANKS
(user and (user and fulfillment)fulfillment)
TELCOSTELCOS(fulfillment(fulfillment))
MerchantMerchant
(fulfillment)(fulfillment)
PRODUCT PADALAPRODUCT PADALANestleNestleAccelAccelAyala eGCAyala eGCAmpalaya PlusAmpalaya PlusSuper FerrySuper Ferry
BILLS PAYMENTBILLS PAYMENTSSSSSSPag-IbigPag-IbigPhilhealthPhilhealthMeralcoMeralcoetc.etc.
AIRTIMEAIRTIME
CREDIT TO CREDIT TO PREPAID CARDPREPAID CARDGPRS CARDGPRS CARDSmart MoneySmart Money
REMCOREMCO
(user)(user)
GATEWAYSGATEWAYS
FRONT ENDFRONT END
Remittance System
MerchantMerchant
(fulfillment)(fulfillment)
REMCOREMCO
(user)(user)
MerchantMerchant
(fulfillment)(fulfillment)
BANKSBANKS
(user and (user and fulfillment)fulfillment)
REMCOREMCO
(user)(user)
MerchantMerchant
(fulfillment)(fulfillment)
RRPCRRPC
FRONT ENDFRONT END
GATEWAYSGATEWAYS
GPRSGPRS
FRONT ENDFRONT END
CREDIT TO BANK ACCOUNTCREDIT TO BANK ACCOUNTAny Bancnet member banksAny Bancnet member banks
OVER THE COUNTER PICK UPOVER THE COUNTER PICK UPFrom accredited GPRS PartnersFrom accredited GPRS Partners
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REMCO or REMCO or LOCAL LOCAL OFFICESOFFICES
Secure InternetSecure Internet
Front officeFront office
TRANSACTION MODELTRANSACTION MODEL
Back Office Back Office
GPRSGPRS
SYSTEMSYSTEM
TELCO or FINANCIAL TELCO or FINANCIAL INSTITUTIONINSTITUTION
GatewayGateway
Accounting Accounting SystemSystem
Smart Money Smart Money AccountAccount
Smart Prepaid Smart Prepaid PhonePhone
FULFILLMENTSFULFILLMENTS
MOTHER WALLET
OUTLETWALLET
FUND:OTCSALARY
FUND:OTCSALARY
BILLS PAYMENTC2B Other Cards
WEB
SMS
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• Remittance card that enables online crediting of your remittance to your account in minutes.
• A Visa Card that can be used to withdraw cash at ATMs nationwide.
• A Debit Card that can be used to shop and pay for your purchases at establishments nationwide and at over 27 million more locations worldwide.
*** GPRS can enter into Co-brand programs with partners
GPRS Card
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• Allows an OUTLET to credit the Beneficiary’s bank account/s.
• Senders can enroll multiple bank accounts of the Beneficiary.
• This service has grown deep roots in the remittance industry. To capitalize on its existence, there is a big market share of Filipinos sending remittances to bank accounts of their beneficiaries. To innovate this service, GPRS is processing the remittance in only 4-16hours (refer to bank list attached) bringing the crediting timeframe from 3 banking days/24 hours to just a few good hours.
•
Credit to Bank Account/s
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• An immediate money transfer without the worries of maintaining a bank account.
• A money remittance service which offers customers with fast, affordable, easy and safe way to send money anywhere in the Philippines where remittance is claimed by the beneficiary over-the-counter thru our Partner’s network.
Pick Up
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Door to Door
Provincialand
Metro
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GPRS, in partnership with CLSC PeraPadala, is bringing the Pick Up service to its initial launch to the Global Filipino community.
The remittance is claimed by the beneficiary over-the-counter thru all Cebuana Lhuillier’s 1,200 branches nationwide, with some branches opening as early as 7am and extending working hours to accommodate emergency needs, Pera Padala answers the need of students, workers and other customers for immediate money transfer without the worries of maintaining a bank account. And with branches spread all over the country, customers will have an easier time to remit and claim money.
GPRS Pick Up Thru Pera Padala
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• Account balance inquiry
• Airtime Reloading
• Mobile Banking
• Wallet to wallet transfers
• Use as purchase card at all MasterCard-accepting merchants worldwide
• Use as ATM card to withdraw money
- BDO
- Expressnet
- Megalink
A Virtual Account which is managed thru the Smart cellphone
A Physical Card which can be linked and managed thru the Smart cellphone
A reloadable electronic wallet which can be processed thru…
Smart Money
SMART Padala is a transfer service allowing partner Remittance Companies to remit money straight to the Smart Money Account of the Beneficiary sent at the speed of text.
Smart PadalaSmart Padala
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Remittance Income Projections
• GPRS to GPRS outlets
- Outlet will earn 25% of the service charge of sending and 25% of payout
Maximum service charge is P210.00
P210.00 x 25% = P52.50 income per transaction
P52.50 x 20 transactions/day = P1,050.00/day
P1,050.00 x 30days = P31,500.00/mo income
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Remittance Income Projections
• GPRS to Non-GPRS outlets
- outlet earns up to 15% of the service charge of sending.
Maximum Service Charge is P240.00
P240.00 x 15% = P36.00 income per transaction
P36.00 x 20 transactions/day = P720.00/day
P720.00 x 30days = P21,600.00 income per month
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Remittance Income Projections
• Total Remittance Income
GPRS to GPRS outlets - P31,500.00
GPRS to Non- GPRS - P21,600.00
Total Remittance Income = P53,100.00
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• The system is equipped with a payment facility that allows an OUTLET to enable the Sender to pay for utility bills of his household in the Philippines by just providing your reference/account number, type of payment, and the period covered.
Bills Payment
Innove
Connex
Mango
PILIPINO CABLE CORPORATION
PCC
K IS ER
Sky DSL
Sunlife of Canada
Sunlife Financial
iTech
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Bills Payment Income
• 10,000 Households
* (3-4) bills/ households
• = 30,000 Transactions
(P3 - P6)/ transaction
= P120,000.00/ mo• Franchisee is allowed to collect minimum P10.00
per transaction if they will pick up the bills
100 transactions x P10.00 = P1,000.00/day
P1,000.00 x 30days = P30,000.00/mo
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• GPRS proposes to offer a new dimension of value added service specifically to the hundreds of thousands of Filipinos in your area of operations.
• To give you an overview of the size of the market, the mobile users in the Philippines is in the area of forty two (42) million. Ninety nine (99%) percent are on pre-paid system. About 400 million sms messages are being processed per day every day not counting the voice calls.
• This means that more than 38 million users are available to receive “airtime load transfer”.
Airtime Top-Up
Benefits• Value Added Service to your customers• Earn incremental revenue through discounts• Easily expand your network as retailer accounts are created virtually• Real-time transaction reports providing a thorough solution in management through its STAR System and effortless monitoring and reconciliation of transactions • Available for access anytime online
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PROJECTED AIRTIME INCOME
• Loading Income-up to 14.5% income on (retailing) up to 2.5% dealership income
Retailing Income
Smart Globe Sun Cellular
1,000 1,000 500
x 14.5% x 14% x 15%
P150.00 P140.00 P75
Retailing Income - P365x 30 days
Total Retailing Income per month = P10,950
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PROJECTED AIRTIME INCOME
• Dealership
if retailer sales P1,000.00 x 100 retailers
(Globe, Smart & Sun)
Total retailers sales = P100,000.00
100,000.00 x 2.5% = P2,500.00
2,500.00 x 30days = P75,000.00
Retailing Income - P10,950.00
Dealership Income - P75,000.00
Total Loading Income = P 85,950.00
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COST OF ALL SERVICES
• License Fee - P75,000.00 +12% VAT• Franchise Fee - P100,000.00 + 12% VAT• Dealership Kit - P100,000.00• Retailer Cards - P50,000.00
Inclusions: Signage - 2” x 8”
Marketing flyers - 2,000 pcs.
GPRS Account (transactional)
License to use the system for five years
Training and Marketing Support
Customer Service Assistance 24/7
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REQUIREMENTS
• Pre-Application- Application Form (filled up)
- Legal Documents (photocopy)
- Location Map
- Payment
- Cooperative Profile
- CDA Certificate of Good Standing
• Post Application- space of at least 10 m2
- Personal Computer (desktop preferred)
- Internet Connection
- Printer (dot matrix)
- Telephone/Telefax (Fax Machine)
- P100,000.00 security deposit
- P150,000.00 minimum prefunding of GPRS Account
- LandBank or BDO Bank Account ( enrolled in Internet Banking )
- Remittance License
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• The combined resources of our companies, as well as collective
experience of our people, we believe can propel and jump start the provisioning of value added
services to your clients.
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End of Presentation
Thank You!Thank You!