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Introducing Creative Cashless Experience With Introducing Creative Cashless Experience with The Payments Problem Consumers still carry several payment methods in their pocket (Cash, Bank cards, Loyalty Cards) to allow them to be ready to spend everywhere & at any time Consumer Merchant Always Searching Handling & Maintaining for an ATM Cash Requires Efforts Point-of-Sale is Not Suitable Manual Tracking to Serve Cash-On-Delivery of Expenses Consumers Big Wallet: Cash, Limited Customer Bank & Loyalty Cards Tracking & Analytics The Solution Develop a smart & integrated app that helps Consumers make cashless payments in their entire spending journey while ensuring a pleasant payment experience. On the other hand, provide an informative & flexible POS (Point-Of-Sale) for Merchants to be ready to accept cashless payment everywhere. Introducing SkipCash App SkipCash is a mobile payment app for consumers to help them pay for purchases, get visual spending reports, and reduce their dependency on cash. They just need to link a credit card, and all the transactions will made from it. And to bridge the gap SkipCash is also for merchants to accept cashless payments everywhere, reduce cash handling efforts, and have live access to transactions data analytics. Both, Consumers & Merchants, just need their smart phones to do the payment. No Need for cards, or POS terminal. Paying made easy: Scan Confirm Pay Consumer Merchant Video: SkipCash Payment Video Where you can use SkipCash? Use Cases - Payments In-Store Transportation Outdoor Events Food Delivery Home Business Gas Stations Global Market Global Mobile Payment Transactions in trillion $ $13.9 $11.1 $8.9 Amount of money spent using mobile devices is growing year by year $6.1 $4.3 $3.1 $2.2 2016 2017 2018 2019 2020 2021 2022 Source: paymentscardsandmobile.com CEMEA Market Qatar GDP grew from $151b (2016) to $201b (2019) Why Launching a Mobile - World Bank Payment App is NOW Important The global mobile payment market • Qatar GDP per capita is 5th globally (nominal) size is projected to reach $13 trillion by 2022 • This will drive and motivate people of Qatar - PaymentsCardsandMobile.com (2018) to spend, as income and prosperity continue to grow. eCommerce is expected to grow in • Qatar Internet penetration is 95%, mobile Qatar from $1.2b (2017) to $3.2b (2020) subscription reached 4.2m subscribers - MoTC Forecast (2018) Main Cash Intensive Markets National Tourism Council Organized 65 events & exhibitions in 2019 Banks are still behind in providing useful Payment Solutions Al-Furjan Markets by QDB Although POS (Point-Of-Sale for bank cards) 42 locations spread in several neighborhoods in are widely used, people still rely on cash. Doha (mini supermarket, grocery, barbershop, lady salone, etc) In 2018, 54b QAR had been withdrawn from ATMs (QCB Statistics - 2019). Understanding the payment use-cases in Qatar FIFA World Cup 2022 The most biggest outdoor event in Qatar. Expecting will help develop the right tool to bridge the 2m fans to visit Doha. Major outdoor event locations gap between the consumer & the merchant. are Fan Zones, Fan Festivals, and Fan Villages. Market Assessment Payments & General Spending 1.5b QAR 306m QAR 148b QAR Household Economical Overall Spending Activeness Payments Based on a survey made by Ministry Based on a survey made by Ministry Based on Qatar Central Bank of Development, Planning, and of Development, Planning, and statistics in 2018, payments made Statistics in 2013, the Qatari & Non- Statistics in 2016, there are 102k through POS are: Qatari household average monthly Qataries who are economically spending on Transport, Telecom, active. Credit Cards = 73b QAR (49%) Debit Cards = 21b QAR (14%) Food, Clothing, & Cosmetic was: Assuming (conservatively) that they will spend only 3k QAR monthly on ATM Cash Withdraw = 54b QAR (37%) 36,168 Qatari HH x 22,974 QAR Ave. Transport, Telecom, Food, Clothing, Spending = 830m QAR & Cosmetic: 110,539 Non-Qatari HH x 6,898 Ave. 102k x 3k QAR = 306m QAR Spending = 762m QAR Market Opportunity Serviceable Addressable Market 5.6b QAR 6.3b QAR Credit Card & Cash-On-Delivery Cash Payments MoTC forecasted that Qatar eCommerce market Based on QCB 2018 statistics, from all will be $3.2b in 2020 (11.6b QAR). And based payments made by Credit Cards & Cash, we on their 2019 survey, 48% of eCommerce assume that 5% of those payments will be for shoppers asked for COD. Transport, Telecom, Food, Clothing, & Cosmetic (non eCommerce). 73b QAR + 54b QAR = 127b QAR (5% = 6.3b QAR) More than a payment tool SkipCash provides a pool of features to ensure full cashless payment journey: 1. Virtual Accounts for kids, drivers, house maid (un-banked) 2. Corporate Discounts notifier for employees 3. Remote Payments for eCommerce 4. Loyalty Program Platform 5. Utilities Payments Product Validation Regulatory Strategic Business • Licensed by QFC • Signed with QNB & offered a • Signed LOI with 42 merchants (7 • Approved by QCB (awarded with reduced fee structure retail, 14 cafe, 17 restaurant, 2 food no-objection letter to operate) • Accepted by VISA FinTech Fast delivery companies, 2 clinics) Track Program • Incubated by DIC • Received QSTP PDF grant Main Merchants who are interested in SkipCash SkipCash is the 1st FinTech in Qatar to join VISA’s FinTech Fast Track Program User Traction - Showcased beta version to 400+ visitors in QITCOM 2019. - 1st FinTech startup in Qatar to be accepted by VISA FinTech Fast Track Program. - SkipCash app got certified with PCI-DSS for credit card protection & handling - Signed with QNB for Acquiring & Settlements - Signed LOI with 42 merchants Competitive Advantage Cost Effective Resources: Loyalty Program Payment Solution VISA & QNB & Corporate Rates Dashboard Payment Experience: Virtual Accounts for Multiple Intuitive UX/UI Dependents & Unbanked Payment Options The Future of Payments • eCommerce payments: unify all payments; online & offline • Micro saving using AI: this to help consumers to round up paid bills and keep some savings for the next iPhone or summer vacation • Augmented Reality & Digital Payments: further integration between theses two technologies will provide a different shopping and paying experience SkipCash Team Mohammed Saoud Al-Delaimi Anthony Awkar Bilal Faour Roland Stadler Al-Delaimi Advisor CEO Advisor Advisor Public & Customer Relations Banking & Operations Business Development Co-Founder & MD Strategy and Business Development Secretary General Head of Cards & COO @ PLATFORM Executive Director of Office Director @ Merchant Operations Strategy & Corporate Supreme Committee @ QNB Group Planning @ Es’hailSat for Delivery & Legacy Thank you! Mohammed Al-Delaimi Co-Founder +974 55111197 [email protected].
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