Download PDF presentation

VoisiCard

Full Stack Banking Solution for Telcos

info@voisicard.com

VoisiCard

Full Stack Banking Solution for Telcos

info@voisicard.com

How to increase ARPU ?

Implement full stack banking:

  • payments
  • loans
  • savings
  • credit cards
  • loyalty cards

Which solution to choose ?

Conventional banking is too complex to implement and maintain:
licensing, compliance, infrastructure, risk-management...

Try fintech banking ?

Fintech-way banking

No need for licensing: only bank account needed

PayPal, Xoom and others already did it!

Compliance is greatly optimized by using biometrics and machine learning.
Infrastructure is decentralized and doesn't need capital investments.
Risks are decreased due to sophisticated cryptography and data mining.

VoisiCard

  1. Multi-telco payment protocol optimizing banking costs
  2. Full-stack banking for telco subscribers (consumers & merchants)
  3. Fraud-free thanks to biometry
  4. Sophisticated customer intelligence based on payments data
  5. Increased ARPU linked directly to subscribers payments activity

VoisiCard layout

billing level

10

transactions
made by
customers
& merchants

payments & intelligence

VoisiCard

optimizing quantity
of transactions and their
total value between telcos

gathering
customer
intelligence

banking level

2

total transaction
between banks

Key-points

Subscribers get simple, convenient and secure way for mCommerce/ eCommerce and brick&mortar payments, loans and savings.

Subscribers transfer their bank or cash funds to their telco accounts.

Merchants get access to customers with negligible fees and fraud-free instant payments.

Telcos get interoperable payment protocol to generate cash flow from payments and additional financial products, including customer intelligence.

Merchants exchange intelligence about their customers optimizing marketing budgets and getting better return on advertising.

Voice biometry

VoisiCard is using voice recognition as the most robust biometric technology:

  • voice is a unique feature, like DNA
  • customers don't need to memorize passwords — voice passwords are dynamic like CAPTCHA
  • technology is military grade and used by intelligence agencies
  • infrastructure is already here — apps, VoIP, GSM and wire lines are fully supported
  • microphones are cheap and simple

IDENTITY IS THE NEW MONEY*

* zdnet.com/article/identity-is-the-new-money-book-review-time-to-cash-out/

Summary

Telcos get ARPU booster via payments
and financial products.

Merchants have near fee-free payments plus
customer intelligence.

Subscribers can pay, loan, borrow and save funds
securely, conveniently and more often.