Making Money on the
International Top-Up
2008
The world is changing
 There were the times when it was
possible to earn 5-10% on the domestic
top-up. Those times are gone.
 There still are domestic markets in some
developing countries with the 5-8%
margin on the top-up, but they are few and
narrow.
 In the developed markets, the large
scale top-up networks reduce the margin to
as little as 2%.
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The new opportunity: ITU
The International Top-Up (ITU) is the new
opportunity to make money.
The MNOs are ready to pay:
 10% in the neighboring countries
 15% in the mainstream tourist countries
(e.g. Turkey and Egypt for EU MNOs)
 25% in less popular tourism countries
 Up to 30% in exotic countries
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But it’s not easy…
…to create acceptance networks not
in domestic countries!
The ITU companies in the new nondomestic markets meet the problems:
 There are domestic players already
 The foreign countries have their
specific and require the knowledge of
the market
 The new players are not very much
welcome
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Where is the solution?
 It is almost impossible to penetrate
a new country’s market alone
 It is much easier to do with a help
from a domestic top-up network
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Bilateral vs. hub
Bilateral relations:
Hub concept:
 Large number of bilateral
agreements negotiations and
connections: hundreds of large
and thousands of smaller
companies to connect
 Just one agreement
 Just one gateway
 Hassle-free operation/maintenance
 Too many gateways
 Unmanageable maintenance
and operation
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CyberPlat hub solution
 10 years proven technology
 Very attractive per transaction prices
 Easy connection
 Online (1-2 seconds)
 Secure (messages are encrypted and
EDS signed)
 Zurich (Switzerland) based transaction
processing center
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CyberPlat offer
 Processing of the transactions between
top-up networks in different countries
and/or between top-up networks and
MNOs
 Cost per transaction: 1 US cent
 Real-time online!
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Why it is profitable?
 $10 top-up in the neighboring country brings a top-up company (at 10%) $1
 The top-up company pays for the transaction processing just 1 cent
 The company’s revenue: $0.99
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The further – the more
 $100 top-up in the exotic country brings a top-up company (at 20%) $20
 The top-up company pays for the transaction processing just 1 cent
 The company’s revenue: $19.99
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Together is better
 Going together, it is possible to earn much more than separately
 In a few months, we can create a global top-up system with about 50
companies based in different countries
 This system will be very
attractive to MNOs
 Domestic payment systems
could successfully sell the
system’s services to the local
MNOs
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Who needs it?
MNOs:
Subcribers:
 Roaming is profitable
 More people go abroad each year
 Good roaming services are the main
competitive edge
 More subscribers get prepaid
 Ability to top-up in the roaming is
the powerful advantage
Top-up companies & retailers:
 They all have mobile phones
 They all need to top-up in
roaming
 The tourists are good payers
 Commission for ITU is much higher
than for domestic top-up
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Let’s go together!
 Together, we can make a new profitable product in a very short time
 Together, we can use it to raise our revenues
 So let’s make some money a lot of money together!
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Contact information
Andrey Gribov, PRESIDENT & CEO, CYBERPLAT OJSC
Address:
Phone:
Fax:
Website:
E-mail:
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Floor 12, Entrance 7,
World Trade Center-2,
Moscow, 123610, Russia
+7 (495) 967-02-20
+7 (495) 967-02-08
http://www.cyberplat.com
[email protected]
www.cyberplat.com