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White Eagle Corporate Presentation December 2011
- 1. WHITE EAGLE (EUROPE) PLC
- 2. Mission Statement / Vision White Eagle TM intends to become a market leader in the high growth Prepaid Card and e-payments and mobile payments markets, combining both prepaid “debit cards” mobile telephony into one simple offering The Directors aim to position White Eagle TM at the forefront of this convergence and will continuously implement profitable consumer propositions based on these converging technologies that meet identified market needs. Core values/principles that will lead to success include; Customer Satisfaction Integrity Product Diversity Efficiency Creativity Innovation all of which are backed by world class systems and reliable/scalable infrastructure .
- 3. Introduction to White Eagle (Europe) Plc White Eagle (Europe) Plc is a privately owned and funded company Established in March 2007 Corporate Head Office based in Buckinghamshire, United Kingdom Approved MasterCard and Visa Service Provider Award winning technology provider of global end-to-end prepaid card, e-payment, e-wallet and mobile banking payment solutions White Eagle owns its dynamic E-money Payment Platform and Gateway designed specifically for this market which is continually developed to ensure our technology is at the cutting edge of market changes Provide a number of E-money services and “plug and play” integration with other parties Authorised to issue e-money solutions in the SEPA region Adhere to a strict security policy and comply with the PCI DSS security compliance (PCI DSS Level 1) Adhere to PRINCE II Project Managements quality standards for on-time and on-budget programme delivery 3
- 4. BIN Sponsor Transact Current Trust Account Royal Bank of Scotland Daily Settlement Account HSBC Bank Processor FIS Cardholder Verification GB Group Intelligent ID Card Manufacturing Thames Oberthur Card Personalisation ServerSide Acquiring Network Visa MasterCard Telco Verizon Cable and Wireless Our Partners
- 5. Delivering Excellence and Innovation in Prepaid, E-wallet, E-payments and Mobile Commerce Prepaid (Electronic Wallet) With a Prepaid e-account/card, you deposit money into an online account, and then draw on those funds; therefore account holders can only spend what has been pre-loaded onto the e-account/card, enabling better management of their money. There are no credit checks (or even id checks) required to get an e-account/card. As long as you're 18, you are 100% guaranteed to be approved . Even if you're under 18 (but at least 13) you can get a companion e-account/card, linked to an adult's e-account/card. Today our solutions can be used in over 35 million locations worldwide. E-wallet E-wallet encompasses E-money, electronic payments , mobile payments and Prepaid Cards; they can be used for a multitude of purposes such as Money Remittance, Employee Payroll , Government Benefits, Corporate Expenses, Incentives, Gaming, Travel, and Gifts. In addition, Prepaid e-account/Cards provide solutions to consumers excluded from traditional banking relationships. (The unbanked, credit challenged/sub prime) E-payments Industry is being fuelled by trend towards electronic payments, as opposed to cash-based payments. The use of e-wallets /Prepaid Cards, which are essentially “debit” cards and E-money payments are set to see further significant growth over the coming years Mobile Commerce Mobile commerce, or m-commerce, is simply the ability to conduct business transactions through a mobile device.
- 6. White Eagle encompasses all these areas Prepaid White Eagle provides bespoke solutions for clients based on their specific requirements. We are an award winning technology provider, positioned at the forefront of the convergence between the high growth, Prepaid Card market, Digital Electronic Payments, E-money, P2P (person 2 person) and Mobile Payments. White Eagle is an Approved MasterCard and VISA Member Service Provider and as such can provide end to end solutions for e money, e wallet and mobile payments. In addition, White Eagle have our own consumer solution branded as “Freedom Prepaid MasterCard” that offers White Eagle the ability to market its product and services to all UK residents with the value added propositions that can benefit a wide demographic. E-wallet The White Eagle award winning platform allows our E-wallet customers to make electronic payment transactions quickly and securely. White Eagle has developed its own dynamic e-money payment platform and gateway, which is continually being developed to ensure its technology is at the cutting edge of market changes.
- 7. White Eagle encompasses all these areas E-payments E-money, electronic payments and prepaid cards can be used for a multitude of purposes such as remittance, employee payroll, government benefits, corporate expenses, incentives, gaming, travel and gifts. In addition, prepaid cards provide services to consumers excluded from traditional banking relationships. According to independent research commissioned by MasterCard, the European prepaid market is expected to see an average annual increase of 26% between now and 2017 with the aggregate value of funds loaded expected to reach €127billion. The study forecasts that the UK will remain the largest market for prepaid cards in Europe, accounting for 25% of the entire European market by 2017. With Visa International estimating that on a global basis, over $2 trillion of employee payments can be paid using payroll cards and the existence of a current annual remittance market worth $390 billion, the opportunities for growth are limitless. Mobile Commerce White Eagle program account holders are able to access their e-accounts and make transactions, view their balances, mini statements using their mobile device 24/7/365
- 8. White Eagle is THE integrating partner working between the Issuer, Processor, Loading channels and Card Production to deliver a “bespoke” solution to our clients . White eagle has in depth market knowledge and a proven technology platform having built over 40 white Label and co-branded prepaid programmes for our clients A fully scalable and proven platform processing nearly circa £50million transactions to date, White Eagle has established itself as a leader in the e-payments / prepaid industry. Through our proven IP platform, we are able to provide our clients with an in-depth real-time multi reporting suite enabling them to manage, monitor and adapt their program in conjunction with White Eagle. Our services are modular, therefore we are able to provide our clients the ability to tailor the services provided by White Eagle for example, SMS/IVR capability, Bulk loading uploads, individual statistics per account holder, or by any one of two dozen parameters, multi reporting suits and Customer Services What White Eagle Offers Our Clients
- 9. What White Eagle Does CLIENTS FREEDOM Full end-to-end bespoke Card / E-account / virtual Programme solutions Submission of Scheme to Regulatory Bodies Management of all 3rd Party integrations Provision of Real Time, detailed management Reporting suite covering programme performance and cardholder / E-account / virtual account transactional information Multilingual IVR (Interactive Voice Response) solution Full suit of SMS / Text Base services Provide Customer Service operations inc. call centre, and access to Web and Mobile services Fully functional online E-account / card application pages Management of all Compliance matters and regulatory matters Build and design Marketing Collateral including card design and website Variety of Commercial Models to suit the client and White Eagle
- 10. Some live client programmes - White Eagle
- 11. For White Eagle the Potential Client base is WORLDWIDE Targeted Clients (Vertical Markets) Student bodies/ Universities Retailers Gaming Companies Local Councils Payroll provides Network Operators High volume of online users where a prepaid card can be beneficial Most large retailers have offer customers credit cards but experience high decline rates, a prepaid card has 100% approval Efficient payout mechanism via White Eagle API Streamline current process and remove the need to issue cheques, hence reducing administration costs Streamline current process Integrate E-wallet with mobile account Financial management and budgeting Incorporate loyalty card with prepaid card in one product Secure and discreet method for their customers to place bets Restriction of certain merchant category codes such as gambling Bulk application via CSV Automated top up facility via e-wallet Person 2 Person payments Valuable cardholder information on spend habits Valuable MI available through OBI Bulk activation via CSV Bulk payroll facility via White Eagle API Reduction of costs from the cash top up providers Possibility to integrate the campus entry cards with a prepaid card Bypass merchant gateway adding circa 1% to the bottom line Link mobile with e-wallet to provide betting via SMS Bulk payment method via White Eagle API Reduction of administration and costs Valuable MI available through OBI
- 12. Benefits to Clients + Cardholders Clients Cardholder (Users) API Suite Financial Inclusion (100% acceptance) HSM ( Hardware Security Module) 40,000 nationwide cash loading points or Via any Bank Account worldwide OBI (Reporting Suite) Access at over 35 million Locations Worldwide + 1.5 million ATMs Bulk Payment / Payroll Systems Secure Money Management via SMS, Online, Telephone Bulk Sign Ups Competitive Exchange Rates for Travel SMS Platform Multilingual Services IVR (Interactive Voice Recognition) Platform Easy Access to Customer Service FMT (Fee Management Tool)
- 13. The Freedom Prepaid MasterCard is White Eagles award winning consumer offering. The Freedom Prepaid MasterCard was the worlds first instant issue, fully re-loadable, ATM Cash access, Prepaid MasterCard with chip & PIN security. Our target market is any UK resident over the age of 18 who has a need to for an e-money solution, this can include Wages and benefits payments being loaded directly onto the card/e-wallet Secure online shopping (as card that is not linked to bank account) Financial management and bill payment segmentation Travel money (safer and more convenient that carrying cash or travellers cheques), also having the benefit of competitive exchange rates as the Freedom Card is linked directly to the MasterCard FX mid-rate Money Remittance , a cheaper and more convenient method that using money transfer companies such as Western Union Responsible Gambling , as the e-wallet is not linked to your bank account, you can never go overdrawn Responsible Pocket money – teach your children money management with a Companion Card from the age of 13 years Freedom is also used to test our new initiatives in a live market environment before offering these additional services to our Client Programmes. Freedom Card also offers Exclusive Instant “ In store Discounts from a huge range of local discount partners across the UK and Ireland with over 20,000 retailers in all local communities where you can receive an instant discount simply on production of the New Freedom Card of up to 44% Design the look of your card with our image personalisation service Credit Booster could help you establish, improve and repair your credit rating Free comprehensive Insurance Protection on all purchases – on-line or in store White Eagle retains 100% of the transaction revenues generated from the Freedom Prepaid MasterCard Freedom – White Eagle (own consumer programme)
- 14. How simple is the Freedom Card to use? Purchase Card online or via our nationwide retail re-sellers including PayPoint stores (27,000 stores Nationwide) Activate Online or via telephone – 24/7/365 Accounts/Cards can be loaded through various sources, such as employer wages, bank transfer, Government or local benefits, or using the Post Office or PayPoint (27,000 locations) White Eagle can link any number of retailers or e-commerce organisations into our load channel via our API’s (Application Process Interfaces) Account holders can spend in-store, online, and even to withdraw cash at an ATM at MasterCard or Visa approved provider locations (35 million locations and 1.5 million ATMs worldwide) Activate Online or Telephone Purchase Use Card Shop online, in store, withdraw cash at ATMs Load Card
- 15. APPENDICES
- 16. Eagle IP is the name given to the White Eagle’s processing platform, it is a collection of core integrated technologies for provisioning prepaid e-accounts and mobile banking/payments services. The component technology is 100% developed in house by White Eagle and brings together a set of converging technologies into one cohesive application. The Platform consists of the following core components: Data warehouse - our bespoke developed database system Data Access Component - the core input output technology connecting Data to the Core API API - the business layer between the secured data, the integrated service providers, SMS, IVR and 3rd Party Technologies, such as Microsoft Navision ERP accounting Configuration platform - the bespoke interface which allows full configuration of all White Eagle Prepaid Programs Front End Development toolkits - there are 3 core front end, client facing developer toolkits; Website, SMS and IVR. These front end systems are data driven applications that take on the configuration of a particular program WE Solution, platform, scale;
- 17. OBI (Online Business Intelligence) White Eagle has developed a robust, resilient and reliable technology solution called OBI that we have continually enhanced the applications and services, and have made a number of improvements to the reporting suites/data access points. White Eagle retain ownership for creative ideas, development and all IP, we do not out source any of our development. White Eagle believes that its Technology architecture, infrastructure and methodology differentiate White Eagle in the market place. Comprises of a CRM system, data reporting suite and reconciliation management tool Access to over 30 individual data reports all of which have numerous filters for data segmentation Access to real time data Supports load channels including bank loads, post office and API’s Hosted on secure environment with various roles based admin rights set by the administrator Data stored securely at Rack Space PCI-DSS level 1 (Financial Services regulatory specification) Dashboard on OBI Data Centre provides overview of KPI’s by program These reports can all be exported into Excel, CSV, PDF, Word, XML for data manipulation, presentation and transportation Ability to create new reports on request (chargeable by White Eagle)
- 18. OBI (Online Business Intelligence) White Eagle have developed “in house” a reporting suite which provides access to a comprehensive list of online reports, this allows 24 x 7 access to Cardholder data such as; Cards Ordered Cards Activated Card loads by value and number per period Average load by type – bank, PayPoint, Post Office, Cash Generator, PayZone Transaction values and volumes Spending trends by Country and Merchant Code Access to OBI is controlled by way of secure login, each user will be allocated specific and restricted access to varying levels of different functionality, based on their unique login. Data can be filtered and then downloaded to allow further analysis.
- 19. OBI (Online Business Intelligence) Why is OBI Unique? All reports can be exported to Excel, CSV, PDF, Word, XML for data manipulation, presentation and transportation Individual logins with unique admin levels set by OBI administrator Call Centre access and tools for customer verification by fuzzy search, balance enquiries, re issuance of cards, activation of cards, transaction history and editable account details Ticketing system provides real time notes and escalations of cardholder enquiries. Ability to open, close, re open and re allocate tickets. All tickets stored for audit purposes. Access to real time float information including API/direct loads and balances Ability to perform balance adjustment in real time with user auditing and approval system Document Centre provides real time access to ID and other cardholder documents submitted for review or approval. Ability to approve applications or upgrade instantly by approval of documents through this tool. These documents are encrypted and stored securely on SFTP site for audit purposes.
- 20. The role of the White Eagle White Eagle is the integrating partner working between the Issuer, Processor, Loading Agencies and Card Production to deliver the programme to the client In summary ... Contract with the client to deliver client’s programme in full Contract with and integrate with the issuer/Bin Sponsor/Bank Contract and Integrate with the processor Manage the reconciliation for all parties Manage compliance aspects both Scheme and Regulatory Manage interconnection of value added services Manage the call centre operation Design, build and test the relevant online portals Implement and maintain the anti fraud protection Deliver all CRM reports on all aspects of the programme
- 21. Our Services White Eagle provides end-to-end E-money/Mobile money prepaid solutions allowing our clients to focus on core business Consultation and Professional Advice regarding Scheme Type Submission of Scheme to Regulatory Bodies (SIA Approval) Production of PID (Project Initiation Document) Production of PSD (Project Scope Document) Appointment of Dedicated Project Manager (Prince 2 min.) Production/ongoing management of Project Plan/Gant Chart Management of all Compliance matters, including; AML, JMLSG, PSD, banking code, data protection, PCI DSS Bespoke Card Design and Approval Card Carrier Design and Approval Payment Service Provider (PSP) provision Fully functional online card application pages Provide Customer Service operations inc. call centre, Web and SMS Multilingual IVR (Interactive Voice Response) solution Access to the MasterCard retailer and ATM network Design support of marketing collateral Services that White Eagle Prepaid typically provides include:
- 22. Contact White Eagle now and explore the opportunities www.white-eagle.com telephone: +44 (0) 7785 336 633 [email_address]