Joint Venture partners or Local Service Partners
(X and Activa)

New Business

Leveraging growth potential of mobile related business with high revenue to profit ratio.
Business model generating both annuity and transactional revenue.

Rapid Deployment

Proven Activa model, highly replicable, reducing time to market.

Revenue share in multiple types of transactions.

Access to the Activa national “network” and network of “household name” partners.  This includes the capability for the “network” to manage the receipt and distribution of local remittances, pensions, bills, shopping transactions, etc. and many more types of value added content that can ride  the platform.

Bank (“network” member)

New Business

New direct channel to market (both sales and service).
Incremental revenue generation through Activa platform
New markets by reaching communities previously un-banked either directly or indirectly via standard or prepay accounts.
Reduced cost of cash makes the business model for electronic merchants more viable thus creating new markets and customers for the bank.

Cost Saving

Reduced cost of servicing and sales relative to more expensive channels to market as consumers migrate to m-banking channel.

Low Integration Effort

Leverages existing ATM infrastructure and familiar technology
Activa provides managed service including integration  to mobile operator networks, handset testing, etc

Point of Differentiation

Branding, services and marketing provide a further point of differentiation.

Increased outreach

Reach out, cost-effectively, to previously inaccessible customers using the Activa Agent network.

Reduced Fraud

Increased security on mobile will reduce fraud and assist banks to comply with multi-factor authentication initiatives.

Telco Network Operator (“network” member)

New Business
VAS

Instant ARPU uplift via revenue share opportunities  in Activa “network”
Supports strategic drive towards increasing consumer usage of data based services
Reduced cost of cash will encourage content providers to use mobile channel and generate increased revenue
Being an Issuer of the Activa Virtual Account creates an entirely new Value proposition for the market.
Becoming a Activa Banking Agent creates new revenue streams.

Low Integration Effort

Utilizes existing technology and standards to interface to MNO.
Runs as a managed, secure service once integrated – little reliance on internal resources.

Point of Differentiation

Further opportunity to differentiate on pricing models for consumers – more data traffic.
Co-branding and promotion opportunity with Activa, banks and Merchants.

Customer Retention

Reduce customer churn through the provision of new “sticky” application on mobile handset, like content,mobile lottery, etc.

Reduced Costs

Lower cost of cash compared to existing mobile pre-pay top-up channels

Merchant (“network” member)

Increased Revenue & Profits

Guaranteed source of funds at low cost of cash provides essential lubricant for mobile payments and commerce
Instant settlement provides merchants quick access to revenue.
Provides merchants the ability to offer secure payment. This will encourage consumers to spend thus increasing revenue.
A reduction in the operating costs associated with charge-backs as a result of fraudulent transactions.
Additional revenue in the form of cash-in/cash-out services like top-up, pension disbursement, bill payments, etc.
Zero Cost of entry – as no device or POS is required

Consumer

Instant Cash

Use electronic cash to pay for services and goods in the mobile and digital worlds.

Security

2 Factor Authentication (similar to prevalent ATM /Credit cards)

Convenience

Access to secure banking and cash services anytime, anywhere.

Access to financial services

The un-banked get access to financial services for the first time.