Moneyonmobile, Inc · OTC:MOMT
Moneyonmobile — Q3 FY2018 Earnings Presentation
28 slides from Moneyonmobile's earnings presentation, Feb 21, 2018
Slide 1: Q3 FY2018 Earnings Call
Q3 - FY2018 Earnings Call February 21, 2018 DALLAS, TEXAS, USA MONEYONMOBILE OTCQB:MOMT
Slide 2: Presented by
MONEYONMOBILE OTCQB:MOMT Presented by 2 Will Dawson COO Harold Montgomery CEO and Chairman Scott Arey CFO Greg Allbright Head of Global Communications
Slide 3: Safe Harbor Provision
MONEYONMOBILE OTCQB:MOMT Safe Harbor Provision This presentation and comments made by management may contain forward-looking statements that involve a number of risks and uncertainties associated with our business. The factors that could cause our actual results of operations to differ materially fr
Slide 4: Highlights
MONEYONMOBILE OTCQB:MOMT Highlights 4 Two month decline in MOM/ATM monthly net revenue Upcoming product launches: Additional MOM ATM, Fingerprint scanner, eKYC Raised $12.6 million through two fundraises, and restructured $6.1 in debt Q3-2018 net revenue was 193% up from Q3-2017 revenue Monthly net
Slide 5: Connecting Cash-based Indians to the Digital World
MONEYONMOBILE OTCQB:MOMT Connecting Cash-based Indians to the Digital World 5
Slide 6: Context
MONEYONMOBILE OTCQB:MOMT That’s 600 million people 95% of consumer payments in India are cash-based Half of all Indians don’t have access to a bank account Context 6
Slide 7: Platform
MONEYONMOBILE OTCQB:MOMT Platform Our platform aggregates transactions making for one-stop shopping 7 Money Transfer Mobile Top-Up Bill Payment Travel Retail purchase Insurance e-Commerce Cash Out
Slide 8: How it Works
MONEYONMOBILE OTCQB:MOMT How it Works 8 The Flow Consumer hands cash to retailer MoneyOnMobile conducts transaction with vendor Retailer processes cash electronically Consumer receives receipt of transaction via SMS text
Slide 9: Our Results
MONEYONMOBILE OTCQB:MOMT Our Results 9 Negligible customer acquisition cost Near zero transaction cost 350,000 retailers Over $2 billion USD processed since inception Over 200 million customers touched
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Slide 11: Lowered Transactional Costs Opens Opportunities
MONEYONMOBILE OTCQB:MOMT Lowered Transactional Costs Opens Opportunities 11 Number of Transactions T ran s a c ti o n Si z e Number of Transactions T ran s a c ti o n Si z e Card-Based Model Processing Costs Our Processing Costs Card-Based Model MoneyOnMobile Addressable Market Addressable Market
Slide 12: Recent Financial Highlights
MONEYONMOBILE OTCQB:MOMT Recent Financial Highlights 12 $5 million raised through Series H convertible shares. $3.8 million of outstanding principal owed converted into shares of the Company's Series G Preferred Stock $12.6 million in new equity raised, and over $5 million in debt restructured $2.3
Slide 13: Vision for 2018
MONEYONMOBILE OTCQB:MOMT Vision for 2018 13 Product emphasis on expanding MOM ATM units in stores Demand remains strong as evidenced by revenue growth from existing MOM ATM deployments Focus for growth is to deepen retailer engagement and productivity Expanding number of products and services used b
Slide 14: Financial Overview
MONEYONMOBILE OTCQB:MOMT Revenue Trends Selected Financial Overview Other Growth Drivers Margin Trend Financial Overview 14
Slide 15: Q3-FY2018 Financials (Year-to-Date Comparison)
MONEYONMOBILE OTCQB:MOMT FY18-YTD FY17-YTD Net Revenue $ 6.04 $ 3.46 Cost of Revenues $ 2.78 $ 1.55 Gross Profit $ 3.27 $ 1.91 Gross Profit Margin 54% 55% Comparison 75% 79% 71% -1% Amounts shown in US$ millions Q3-FY2018 Financials (Year-to-Date Comparison) 15 Unaudited
Slide 16: Q3-FY2018 Financials (Quarterly Comparison)
MONEYONMOBILE OTCQB:MOMT Q3-FY18 Q3-FY17 Net Revenue $ 2.84 $ 0.97 Cost of Revenues $ 1.32 $ 0.39 Gross Profit $ 1.52 $ 0.58 Gross Profit Margin 53% 59% Comparison 193% 236% 164% -10% Amounts shown in US$ millions Q3-FY2018 Financials (Quarterly Comparison) 16 Unaudited
Slide 17: Q3-FY2018 Financials (Quarterly Comparison)
MONEYONMOBILE OTCQB:MOMT Q3-FY18 Q3-FY17 Salaries & Wages $ 1.29 $ 0.83 SG&A $ 2.85 $ 2.13 Deprec & Amortization $ .14 $ 0.22 Operating Loss -$ 2.76 -$ 2.60 Comparison 56% 34% -37% -6% Amounts shown in US$ millions Q3-FY2018 Financials (Quarterly Comparison) 17 Unaudited
Slide 18: Q3-FY2018 Financials – India Only
MONEYONMOBILE OTCQB:MOMT Q3-FY18 Q3-FY17 Gross Profit $ 1.52 $ 0.58 Salaries & Wages $ 0.74 $ 0.58 SG&A $ 1.05 $ 0.88 Deprec & Amortization $ 0.14 $ 0.22 Operating Loss -$ 0.42 -$ 1.11 Comparison 164% 29% 19% -37% 62% Amounts shown in US$ millions Q3-FY2018 Financials – India Only (Quarterly Compari
Slide 19: 2017 Financial Results
MONEYONMOBILE OTCQB:MOMT Revenue growth from January thru December 2017* 210% Growth Drivers 2017 Financial Results 19 Unaudited Increased # of ATM’s in the field Domestic remittance growing faster than the market Increased revenue generated per Retailer
Slide 20: FY2017-18 Net Revenue Actual + Projection
MONEYONMOBILE OTCQB:MOMT FY2017-18 Net Revenue 20 Actual + Projection (Unaudited) In US$ thousands Q3 FY17 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Projectio $969 $1,211 $2,841 $1,992 $2,300 $801
Slide 21: Category Level Net Revenue July 2017 – January 2018
MONEYONMOBILE OTCQB:MOMT Jul „17 Aug „17 Sep „17 Oct „17 Nov „17 Dec „17 Jan „18 Domestic Remittance 42% 21% 17% 9% 1% 10% -10% MOM ATM -23% 85% 20% 81% -10% -21% -71% Mobile / TV Top Up 19% -5% -5% -13% -15% 6% 2% All Other 0% -12% 837% -86% 10% 2% 0% Category Level Net Revenue July 2017 – January
Slide 22: Bank of India MOM ATMs
MONEYONMOBILE OTCQB:MOMT Bank of India MOM ATM‟s 22 Updated hardware design ……………. Sales focus on new retailer segment for card purchase transactions and cash out Contract for 3,000 new MOM ATM’s ……….. Bank of India to serve as 2nd acquirer for MOM ATM payments
Slide 23: Aadhaar Enabled Payment System (AEPS)
MONEYONMOBILE OTCQB:MOMT Aadhaar Enabled Payment System (AEPS) 23 Integrates with India Stack/Open Banking Permits cash out withdrawals 5x larger than current MOM ATM’s Fingerprint scanner; biometric based cash out solution Target is uncarded consumer and the retailers who serve them
Slide 24: Electronic Know Your Customer (eKYC)
MONEYONMOBILE OTCQB:MOMT Electronic “Know Your Customer” (eKYC) 24 Enables larger domestic remittance transfers Sets the stage for international remittance acceptance Seemless collection of customer data to integrate with existing financial institutions Based on Aadhaar ID and enables customer trans
Slide 25: MOM Capital - Update
MONEYONMOBILE OTCQB:MOMT MOM CAPITAL - UPDATE 25 Loan risk is assumed by 3rd party provider, not MoneyOnMobile 3rd party uses retailer transaction history to assess credit worthiness Loan service provides transformative financial support to retailers Typical loan amounts will range from $500 to $5,0
Slide 26: Two-Wheeler Insurance
MONEYONMOBILE OTCQB:MOMT Two-Wheeler Insurance 26 Two-wheeler insurance market estimated at $1 billion estimated compliance rate for government mandated insurance 40% 2-wheel vehicles currently registered in India 150 million At least MoneyOnMobile serves as payment collectors for leading insurance
Slide 27: Questions & Answers
MONEYONMOBILE OTCQB:MOMT Questions & Answers 27 Will Dawson COO Harold Montgomery CEO and Chairman Scott Arey CFO Greg Allbright Head of Global Communications
Slide 28: Thank you!
Thank you!