Marketing project on banking services for Colombia and Brazil. Developed by University of Angers: M2 LEA: International trade and Commerce, Aurélie Grenier, Chrystel Macias and Oscar Benavides.

2. 2.5 billion
unbanked
Source: Mackinsey

3. half the world is
unbanked
Source: Mackinsey

4. 455
billion dollars
Source: Mackinsey

5. 65%
Latin America
Source: Mackinsey

6. Brazil
Colombia

7. Strong economies
Good technology implantation
High disparity levels
High percentage of unbanked
Current situation

8. 106interviewed
101interviewed
Market study

9. Unbanked (students, workers) (+35%)
High phone penetration (+100%)
Ready to adopt bank innovation (+67%)
High Insecurity feeling (+38%)
Low trust in banks (8%)
Market study

10. Bank$

11. Favorite payment method
is cash or card but...

12. “...it is unfortunately common to have our cards
"clonned" here. I mean, there are modified credit
card machines that manage to make a "copy" of
your card, and the robbers use it for buying lots of
expensive stuff...”
“...What is also common (believe it or not) is a
kidnapping in which they take you to a lot of ATM's
to use your own card to get money...”
Rafael 27,
Rio de Janeiro

13. Solution for this target population?

16. It’s just like cash but
safer and modern!

17. Simple SMS payment system
No smartphone needed
Simple activation
Current account creation
Digital wallet
Use it in the JátePago!/YatePago! Network
Very safe (no problem if phone stolen)

18. 2
Purchase
information
3SMS
with data
4
Confirmation with code
and Voilà!
1
Phone number

19. 2
Purchase
information
3SMS
with data
very
rapidinho!
4
Confirmation with code
1
Phone number

20. pre-paid cards
P2P transference
Cash
játepago.com.br/
yatepago.com.co
Top-up via

21. Pay bills
Buy online (technology creation)
Pay at supermarkets, malls,...
Phone talk-time and 3G
Help the environment

22. Our competitors

23. Not
innovative
Not
convenient
Very
convenient
Very
innovative

24. Pricing

25. Free!

26. Rio de Janeiro
Sao Paolo
Brasilia
Bogotá D.C
Medellín

27. Promotion

28. La manera
más segura
de manejar
su dinero

29. A maneira
mais segura
de administrar
seu dinheiro

30. TV ad

32. To conclude...

33. Coming soon...