Moneyonmobile, Inc · OTC:MOMT
Moneyonmobile — Calpian — Investor Presentation (March 2014)
30 slides from Moneyonmobile's investor presentation, Mar 7, 2014
Slide 1: Steady Domestic Cashflow, Explosive International Growth
STEADY DOMESTIC CASHFLOW \ CALPIAN an Me NEY. N MOBILE Stop at nothing. Pay for anything. EXPLOSIVE INTERNATIONAL GROWTH
Slide 2: Required Statement About Forecasts
fe) REQUIRED STATEMENT ABOUT FORECASTS CALPIAN Calpian's models and projections are based on certain key assumptions, including but not limited to the following: Availability of adequate and appropriately priced financing to continue in business Availability of acquisitions which can be completed .
Slide 3: Key Facts
CALPIAN Trading Symbol Corporate Headquarters Stock Price (52-Week Range) Shares Outstanding Daily Volume (90-day average) Market Capitalization Debt Cash & Equivalents Annualized Current Revenues Full-time Employees Fiscal Year Ends Accounting Firm KEY FACTS* OTC BB: CLPI Dallas, TX $1.50 ($2.65 -
Slide 4: Calpian Investment Thesis
fe) CALPIAN INVESTMENT THESIS CALPIAN ———— = Experienced leadership — 40%+ ownership = Steady positive cash flow in US — Growing = Explosive growth in India through Money On Mobile — 300% growth
Slide 5: Company Overview
CALPIAN Calpian Commerce U.S. Business STEADY CASH FLOW = Provides credit and debit card processing services to small retail merchants in the U.S. ™ Growth through acquiring portfolios from Independent Services Organizations (ISO’s). COMPANY OVERVIEW Money on Mobile© Mobile Payments in India EXPLOSI
Slide 6: Management Team
fe) MANAGEMENT TEAM CALPIAN Average 20 years in payments Harold Montgomery — CEO Stanford MBA 1985 Started in payments in 1987 Shashank Joshi— President MoM Maharastra Institute of Technology 10 yearsin payments Craig Jessen— President SMU MBA 1984 Started in payments in 1991 Scott Arey— CFO New Yor
Slide 7: Steady Domestic Cashflow
STEADY DOMESTIC CASHFLOW \ CALPIAN = Provides credit and debit card processing services to small retail merchants in the U.S. = Growth through acquiring Independent Sales/Services Organizations (ISO’s)
Slide 8: Calpian, Inc. - A Low Cost Provider
fe) CALPIAN, INC. CALPIAN A Low Cost Provider = Provides card processing to ~16,000 small merchants and B2B clients = Operates its own processing gateway = Operations in Atlanta, GA = Top notch IT support team provides technical integration services for merchants = Growth organically and through acq
Slide 9: U.S. Core Business: Steady, Growing Cash Flows
fe) U.S. CORE BUSINESS: s7eapy, GROWING CASH FLOWS CALPIAN = Acquires cash flows in the U.S. = Payment processing contracts = Pay 2x-3x annual CF = Cash Flow Positive Now = Goalto add ~$5 million in EBITDA each year 2.8 21.1 35-37 42-44 46-48 0.5 (0.4) 0.6 65-75 12-13 13-15 = Public Comparable: Hear
Slide 10: Money on Mobile: Explosive International Growth
Allows consumers to pay using the mobile phone Uses a virtual currency available at retail stores Replaces the checkbook or debit card used in the U.S. Positioned to capture eCommerce growth an M@NEY Stop at nothing. Pay for anything. EXPLOSIVE INTERNATIONAL GROWTH
Slide 11: India Background
al Taal cy INDIABACKGROUND M@ANEY_. CALPIAN ‘pat ng Par oting = Population 1.2 Billion, growing to 1.6 Billion by 2030 = Middle Class = ~300 million people ($500 income/month) = Per Capita GDP =$300income/month = Economy growing 6+% per year Source: CIA.gov World Fact Book The Next Global Growth Eng
Slide 12: Challenges & Opportunities in India
aA a) fe) CHALLENGES & OPPORTUNITIESININDIA M@AEY.. ee CALPIAN All Cash Economy Lack of Bank Accounts } (only 200M of 1.2B people) } No Payment Mechanisms Weak Transportation (credit, debit or check) (daily errands take time) ADDRESSABLE MARKET IS: 800+ MILLION Mobile Phones & 1 BILLION SIM Cards Th
Slide 13: What Can You Buy?
al al fe) WHAT CAN YOU BUY? M@NEY.. CALPIAN — Allows consumers to use their mobile phone to transact: Pre-paid Cell Phone Pre-paid Television Shopping Ticketing Utility Bill Payment Total Combined Market ~$200 Billion + = Fast, easy, reliable, cheap ™ HUGE value proposition vs. current methods 13
Slide 14: How Does MoM Work?
aA Taal cy HOW DOES MoM WORK? 1+ M@WAE¥_. CALPIAN ‘pat ng Par oting tat 15 Cell Providers 6 Satellite TV an Step 3 - Cash 176,506 M@ NEY Retailers . (Commission N MOBILE Step 4 - Purchase of Cell Sales People) Minutes @ 4.5% Discount Stop at nothing. Pay for anything. Transaction ; 82.3 Margin = 0.5
Slide 15: Retailers in India Accept MoM
nA RETAILERSIN INDIAACCEPT MoM 9 M@NEY_. Snag Pr ig 15
Slide 16: MoM Retailers
aA nA MoMRETAILERS M@NEY,. Snag Pr ig CALPIAN Money on Mobile Retailers 300,000 230000 200,000 150000 100,000 50,000 ° Retailers (Commission Sales People) Extrapolation of current growth in orange
Slide 17: Cumulative Unique Users
aA nA &} CUMULATIVEUNIQUE USERS M@WNEY_. CALPIAN ‘pat ng Par oting Money on Mobile Cumulative Unique Phone Number Users Mar-15 140,000,000 115,400,484 120,000,000 100,000,000 80,000,000 60,000,000 + 40,000,000 | | 20,000,000 | LOLOL AEE Cumulative Unique Phone Number Users Extrapolation of current g
Slide 18: 30 Day Active MoM Users
aa fe) 30 DAY ACTIVE MoM USERS M@/NEY.. CALPIAN —— Money on Mobile 30 Day Active MoM Users CLP PER EEO ELE PEP PFE REC EEE 30 Day A MoM Users 18
Slide 19: Rs Volume Processed
AA nA RS VOLUME PROCESSED MO Micon Money on Mobile Rs Volume Processed 3 g 3 S Calpian's First Investment 1,200,000,000 000,000,000 4 800,000,000 CALPIAN RS Volume Processed t growth in orange Extrapolation of curr
Slide 20: Transactions Processed
AA nA at hing. Pr oni, 13,642,488 Mar-15 Micon Feb-14 8,876,679 Money on Mobile Number of Transactions TRANSACTIONS PROCESSED Calpian’s First Investment 16,000,000 14,000,000 12,000,000 10,000,000 CALPIAN Extrapolation of current growth in orange Number of transactions 20
Slide 21: Per User Statistics
aA Taal cy PER USER STATISTICS M@NEY_ . CALPIAN ‘pat ng Par oting Money on Mobile Per User Statistics POM Le PEP PPO PE Pe. PPE PEE EPS —Total Rs volume per unique user per month ——Average Transaction Size (Rs) Total Rs volume per unique user per month Average Transaction Size (Rs) 21
Slide 22: 10x Nearest Competitor
al Taal fe) 10x NEAREST COMPETITOR M@NEY_. CALPIAN ——— Store er Monthly Processed Count Count Volume MoneyonMobile 179,292 84.3million Rs 682.3 million Growing Beam Money 50,000 —18million Rs 91 million Searching for capital (May ‘13) <13% AirTel Money 110,000 Unknown Rs 15 million Not Interoperable
Slide 23: Volume Growth
aa fe) VOLUMEGROWTH M@NEX.. pig Py oi CALPIAN Estimated Monthly Average Average Ticket Frequency Monthly Spend Cell Top Up $1.00 2x $2.00 We Do TV Top Up $2.00 2x $4.00 These Utility Payment $8.00 1x $8.00 How Travel Ticketing $0.30-$15.00 1x-20x $10.00 Shopping $1.00 $10.00 What will 35 million con
Slide 24: The Internet is Mobile in India
CALPIAN 24 aA RA THE INTERNETIS MOBILEININDIA “@AEY,. at hing. Pr oni, India Internet Traffic by Type, Desktop vs. Mobile, 12/08 — 11/12 100% 80% 2 = F 60% —Desktop Internet 3 & —Mobile Internet = 40% 3. ez 20% 0% = 1208 «6/09 «1409 B/10.s—s120—sat1 12/11/12 Mobile Internet Desktop Internet
Slide 25: Smart Phones Are Exploding in India
al aa eS SMART PHONES ARE EXPLODINGIN INDIA “@WE¥i Snag Pr ig CALPIAN Top 5 Countries Smartphones Shipments & Market Share (Units in Millions) fe a | Country’ Market Share | Uni ents Growth 1 China 301.2 32.8% 457.9 30.2% 52% 2 USA 137.5 15% 183 12.1% 33.1% g) UK 35.5 3.9% 47.5 3.1% 33.8% 4 Japan 35
Slide 26: MoM: Epicenter of Huge Trends
al Taal fe) MoM: EPICENTEROF 3 HUGE TRENDS M@AEY_ . CALPIAN ——— Rising Smart Young Phone Demographics Penetration Mobile & Rising eCommerce Incomes Growth eCommerce in India RA will be: aA = Smart phone based M@ NEY = Paid for using N MOBILE . Stop at nothing. Pay for anything. Money on Mobile Mobil
Slide 27: Payment Backbone for Each Market
Pi fe) PAYMENT BACKBONE FOREACH MARKET M@INEY,. CALPIAN —_— ee ee ee Ayal Volume Alipay China 700+ million PayPal US 117 million $200 Billion ‘Money on Mobile India 84.3 million $200 million Qiwi Russia 11 million $15 Billion M-Pesa Kenya 21 Million $32 Billion Each system is based on characteristic
Slide 28: Compare to M-Pesa in Kenya
AA fal S COMPARE TO M-PESAIN KENYA M@WNEY_. CALPIAN snes ro = First Mobile Money System M-PESA: = Started April 2007 = Domestic Remittance is majority of volume = Ubiquitous presence in Kenya M-Pesa Metrics KENYA eens pzamtton | Transaction Volume aercue $32.4 Billion Estimated Net Operating <a Reve
Slide 29: Compare to Qiwi
CALPIAN 29 al Taal COMPARE TO NASDAQ: QIW| = M@NEY_. Snag Pr ig QIWlis a Russian mobile payments company Population Cell Phones Unbanked Population User Count Store Count Annual Processed Volume (USD) Annual Gross Revenues Gross Margin % Annual Growth Rate % US Market Cap 140 million 235 million 70
Slide 30: Steady Domestic Cashflow, Explosive International Growth
STEADY DOMESTIC CASHFLOW \ CALPIAN an Me NEY. N MOBILE Stop at nothing. Pay for anything. EXPLOSIVE INTERNATIONAL GROWTH