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CYBERPLAT TECHNOLOGY
IMPLEMENTATION BENEFITS
2008
Contents
Page 3.
2
Brief overview
4.
CyberPlat’s offer
5.
Payment methods
6.
Simplified scheme of payment processing
7.
Security issues
8.
CyberPlatВ® vs. wide-spread technologies
9.
Advantages of CyberPlatВ® 1
10.
Advantages of CyberPlatВ® 2
11.
Benefits of implementing CyberPlatВ® technology
12.
Macroeconomic effect
13.
Contact information
-2www.cyberplat.com
Brief overview
CyberPlatВ® is the largest, in Russia and the former USSR, universal multi-banking
integrated Internet payment system providing the whole spectrum of financial services
– from micropayments to interbank settlements.
The Company’s clients are :
• over 200 various telecommunications operators including 60 MNO;
• retail chains including more than 120 000 payment acceptance points:
90 000 direct payment gateways and around 30 000 sub-dealer outlets –
that twice exceeds the total number of all bank offices in Russia;
• over 80 banks.
The CyberPlat® System’s financial turnover in 2007 totaled 4 billion 740 million US
dollars.
We collect more than 25% revenues of all mobile operators in Russia.
The only licensed, and protected by patents, payment system of Russia.
3
-3www.cyberplat.com
Transactions
Currently, CyberPlat processes over 120 million transactions every month – more than
the Central bank of Russia, Visa and MasterCard combined, in the Russian Federation.
Number of transactions for 2007 – 1.2
bn
Over 400 transactions per second
capacity, based on 2007 tests
4
-4www.cyberplat.com
CyberPlat®’s offer
CyberPlat is prepared to share:
пЃ®
пЃ®
пЃ®
пЃ®
пЃ®
пЃ®
пЃ®
5
10 years of successful experience in the top-up market;
perfected direct top-up procedures;
10 times more cost-efficient transaction processing compared to
similar companies;
proactive expansion strategy;
5 countries of operations;
quadruple processing capacity reserve;
technical and financial expertise.
-5www.cyberplat.com
Delivery channels
The CyberPlatВ® unique payment solutions allow effecting payment acceptance via:
1.
2.
Merchant’s cashiers:
•
using Р РЎs;
•
using cash-registers;
•
using POS-terminals;
•
using cellular phones supporting Java
Via self-service cash-in terminals and ATMs, or other technical means.
The real-time payment execution is facilitated by the capabilities of the CyberPlat payment
technology of a new generation.
The CyberPlat technology complies with the rigid security requirements of intercorporate
deals, using Electronic Digital Signature mechanisms for protecting electronic
documents and verifying the participants’ identity.
6
-6www.cyberplat.com
A simplified scheme of payment processing
Service rendered
Payment for
a service
1
Service rendered
8
Invoice signed by
the dealer’s EDS
Transaction
result
Computer,
Cash register or
POS-terminal
5
2
7
6
Payment
order
MNO
Operator’s
response
MNO
MNO
Authorization
request
3
4
Authorization
result
Settlement Bank
7
-7www.cyberplat.com
Security issues
• The CyberPlat® System enforces control over each stage of the on-line payment.
• The Electronic Digital Signatures applied by both parties eliminate the risks of fraud and
make the personal account top-up transactions, in the operator’s billing system, irrefutable.
• CyberPlat® System enforces complementary registration of all on-line transactions in
transaction logs.
• CyberPlat®’s payment acceptance procedures are organized in full compliance with relevant
legislative requirements.
• The CyberPlat® System is a closed type system – all participants of financial settlements are
rigidly identified.
• The withdrawal of the dealer’s funds from the system, at the will of a cashier, is impossible.
8
-8www.cyberplat.com
CyberPlatВ® vs. wide-spread technologies
Historically, mobile subscriber account top-up developed through sales of virtual scratchcards, or e-vouchers. Therefore, a mobile subscriber account in the world can be recharged
with fixed amounts – 10, 15, 25 USD.
In Russia the top-up business developed in a different way – there, the possibility of account
recharge with any amount existed from the very beginning.
The CyberPlatВ® technology allows flexible topping up mobile phone accounts
with any amounts – from USD 0.01 to USD 1000, with the minimal possible step of
1 cent.
Further on we consider the operator’s advantages, which are ensured by the CyberPlat®
technology, in comparison with the wide-spread technologies.
9
-9www.cyberplat.com
Advantages of CyberPlatВ® 1
There arose subscribers with ARPU much smaller
than the minimal scratch-card value. Issuing a
scratch-card with a face value under $3 is
unprofitable, whereas CyberPlatВ® accepts flexible
direct top-up payments of less than $1.
пЃ®
Due to that capability, there were attracted 42% of
subscribers, whose ARPU is smaller than $3.
Similarly, using the CyberPlatВ® electronic payment
technology accepting any amounts anywhere in
the world, we project, there will be created at least
20% of new subscribers with low ARPU.
пЃ®
These will be young people and children, who
always lack cash. In Russia, by virtue of the
CyberPlatВ® system, new subscribers emerged, who
spend 30 cents a month, sufficient for sending
SMS-messages.
пЃ®
Over $5
12.96%
Under $1
21.40%
From $3 to $5
28%
From $2 to $3
1.94%
From $1 to $2
35.70%
We expect that, after our technology is implemented, the
same type clients will arise worldwide.
10
- 10 www.cyberplat.com
Advantages of CyberPlatВ® 2
Using the CyberPlatВ® technology is convenient for cashiers who do not need to return
change to customers. For example, if a customer makes a purchase for 7 USD 58 cents, it
is not convenient for the cashier to give change of 2 USD 42 cents, and the cashier
suggests crediting it to the mobile phone.
Therefore, three parties obtain an additional convenience:
1.
2.
3.
11
Mobile operators receive additional income;
Cashiers do not need to keep and issue change;
Customers do not need to leave the money for tips.
- 11 www.cyberplat.com
Benefits of Implementing CyberPlat В® Technology
Based on the above mentioned, we project that the implementation of our
technology will:
1.
2.
3.
4.
Facilitate an approximately 20% increase in the mobile operators’ subscriber base;
Nonetheless, since these subscribers are “light-weight”, the revenue increase will
amount to only 10%;
Due to reducing the “silence period”, as well as the expansion of the cash acceptance
network, the revenue of each mobile operator will additionally grow by 5%;
Due to the expanded cash acceptance network, the sales volumes of plastic/paper
scratch-cards will diminish – which will lead to an increase in the flexible direct top-up
share of the operators’ earnings, adding 2% to the company revenues.
As a result, the mobile operator’s subscriber base will grow by 20% and the revenue – by 17%.
12
- 12 www.cyberplat.com
Macroeconomic effect
According to the study of Deloitte&Touche, a 20% mobile subscriber base
increase leads to a 2.4% growth of the country’s GDP, as it is well-known that the
development of telecommunications serves a driver of economic growth.
It is important to point out that the economic effect is achieved not so
much via economic factors, but due to emerging new subscribers.
*According to Deloitte, a 10% increase in mobile penetration, i.e. the subscriber base, leads to a rises of the Gross Domestic
Product by 1.2%.
(Data published by GSM World Association: http://www.gsmworld.com/news/press_2007/press07_25.shtml)
13
- 13 www.cyberplat.com
Contact information
Andrey Gribov, Director General
CYBERPLAT OJSC
Address:
Telephone:
Fax:
Internet:
E-mail
14
World Trade Center, ent. 7
Moscow, 123610
Russia
+7 (495) 967-02-20
+7 (495) 967-02-08
http://www.cyberplat.com
gribov@cyberplat.com
- 14 www.cyberplat.com
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