company presentation

1. mobile payments for everyfone
Henryk Kulakowski, CEO, Founder

2. MASSPAY is a pure software mobile
payment system that works today on any
phone with unmodified headsets and none
of the disadvantages of SMS or NFC

3. While recognized, validated needs
for cash replacement exist, only
complex, limited, and niche
solutions have been proposed
with no sustainable business
models
MASSPAY
Without involving new parties, or
infrastructure upgrades, MASSPAY turns
ANY mobile phone into a universal and
ready-to use transaction instrument,
TODAY
opportunity

4. the problem: cash is (still) king
8 out of 10 payments are cash transactions
and
9 out of 10 people have mobile phone
How to use mobile to compete with cash payments:
(1) with minimum new investment, while
(2) avoiding undue complexity, and
(3) avoiding niche mentality?

5. the solution
1. Scan the merchant
sticker or dial the
number
2. Confirm transaction
details & authorize
the payment
3. Receive confirmation
MASSPAY
MASSPAY
123456789012
Payment $3,99
to Coffee Heaven,
Market Str. SF
(221003521)
accepted.
Free cake at next
order over $5!
Payment $3,99
to Coffee Heaven,
Market Str. SF
(221003521) from
is
HSBC account
($2294)
Accept by PIN:
0-options
processing. Please
wait for SMS
confirmation
221003521
3247
from any phone; dedicated app optional

6. the vision
if you know how to dial
you know how to pay

7. Smart/Hbb TV
E-commerce
Tablet
Feature Smartphone
phone
ATM
POS
ECR
M2M
Broadcast
TV/Radio
Printed media
payment
possibilities

8. Merchant (Payee)
Issuer (Bank)
Acquirer
Clearing &
settlements
% of fee
% of fee
MNO
business model
Consumer (Payer)

9. the team
21 industry professionals, 6 widely recognized leaders
Previously with T-Mobile, Nokia, Microsoft, Huawei
FirstData, mPay, GTECH, VISA
founded in 2009
Warsaw, Poland

10. the market
6.8B mobile
subscriptions
30%
smartphones
with active
mobile Internet
NFC
iOS,
Android
875B cash transactions
(2009, EU+USA)
18%
non-cash
masspay

11. ¾ of the population doesn’t use smartphones
Source: Google 2014
Source: Comscore 2014

12. Competition is extremely fragmented, requiring new handsets or
SIMs, software downloads; and limited to certain networks
Retail payments
Lack of single scenario
Undue complexity
Lack of universality
Immature infrastructure
e-commerce
P2P transfers

13. USERS MERCHANTS
o Simplicity, intuitiveness
and convenience
o Single transaction scenario
(e.g. online & offline use
cases)
o Affordability
o Bridging the digital divide
o Increased revenues – no lost
sales, promotional & loyalty
channel
o Reduced operational costs - in
cash handling
o Low investment & operational
cost, modest implementation
effort
o Security and reliability -
guaranteed payments
the benefits

14. IP protection
• Four original inventions
• Patents granted
– US, Algeria, Morocco, Ukraine, South Africa, New
Zealand, Indonesia, Madagascar, Turkey, Columbia
• Patents pending
– over 60 countries
• Internet domains, trademarks

15. international market acquisition
ISSUERS
MASSPAY JV
ACQUIRERS
INVESTORS
MASSPAY Int.
MARKET ACCESS
ENABLER
PAYEES PAYERS
MNO

16. THANK YOU
Henryk Kulakowski, Founder
hkulakowski@masspay.eu