Enabling Financial Transactions - Teaser - Investment Banking
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Enabling Financial Transactions Teaser
As a merchant, I collect
payments via various online and
The as-is problem offline means.
we have solved I need to ensure Transaction
Management i.e.:
• Timely collection of payments
• Reliable payment streams
• Reconciliation of payments
• Reduce fraud
• Automated multi-merchant
Managing millions of settlement and transparency
financial transactions across intermediaries
(wholesalers | distributers |
retailers)
• Automatic taxation settlement
I need a simple solution to
manage this.
Our success story
Q3 2019 Realistic Financial Estimates Technological Backbone is ready
• 3 million transactions @ revenue of Rs. 1.25 per • High Performance, Horizontally Scalable Micro-Services
transaction based transaction platform built using Golang and
• Expenses continue to be low PostgreSQL
o Salaries – 16 lakhs • Progressive Web Apps (PWAs) built in VueJS on the Front
o Hosting Infra – 4.5 lakhs End.
o Rent, Travel & Misc – 4.5 lakhs • API Connectivity with 6 Banks (In-Branch Payments /
• Quarterly gross profit at 12.5 lakhs i.e. 33% NEFT / RTGS), 12 Payment Gateways, NPCI for UPI/BBPS,
2 EDC Providers
• Cert-in Security Certified platform
Team Current Customers
• CEO: Kumar Majethia • Govt Utilities (7 in all)
• Customer Success: Jayesh Bhatia o Navi Mumbai Municipal Corporation
• Development: Prashant Tibole, Rohit Tambe, Aditya o Kalyan Dombivali Municipal Corporation
Majethia, Tejashri Tibole o Pimpri Chinchwad Municipal Corporation
o Meghalaya Power Distribution Corporation Ltd
• Quality: Ravindra Bhilare, Dnyaneshwar Irbatanwar
• Customer Support: Anuja Karkanis, Deepali Thite (+2 • ISP / Cable
hiring) o IndusInd Media & Communication Ltd (recently acq)
o Dvois Communications Ltd
Our numbers showcase our growth
Total Revenue and No. of Transactions each Year
₹ 7,00,00,000 6,00,00,000
₹ 6,00,00,000 5,00,00,000
₹ 5,00,00,000
4,00,00,000
₹ 4,00,00,000
3,00,00,000
₹ 3,00,00,000
2,00,00,000
₹ 2,00,00,000
₹ 1,00,00,000 1,00,00,000
₹- -
Year 2014 Year 2015 Year 2016 Year 2017 Year 2018 Year 2019 Year 2020 Year 2021
Total Revenue No. of Transactions
Cost and Revenue per Transaction each Year
₹ 18
₹ 16
₹ 14
₹ 12
₹ 10
₹8
₹6
₹4
₹2
₹-
Year 2014 Year 2015 Year 2016 Year 2017 Year 2018 Year 2019 Year 2020 Year 2021
Revenue / Transaction Overall Cost / Transaction
Kumar Govindji Majethia, CEO, Bill Cloud
• Technocrat and serial entrepreneur
• Over 25 years of global experience
• Wide exposure in multiple verticals
• Media & Entertainment
• Banking & Finance
• Manufacturing
• Local Government
• Retail Distribution
• 2 bootstrapped profit making companies
• Great network and connects
• Well recognized in the Fintech and
eGovernance space in India
I want to create my own online
store for my services and
products such as ABC, and I
don’t have money to invest in
The problem we an app
want to now solve ABC
- Vegetables
- Priests
- Education Classes
- Food
- FMCG products
Managing millions of - Delivery service
financial transactions - Personal Care
- Health Care
- Any legal service / product
• Each offline seller is provided
a white labeled android and
iPhone app to sell his
services and/or products
This is how we • All products and services on
want to solve it the Bill Cloud global
marketplace app
• Items for cross-selling are
automatically added
• Using manual addition
Managing millions of by seller
financial transactions • using Artificial
Intelligence
• Bill Cloud uses its
Transaction Management
Platform to enable the
service and charge a % fee
How do we • Purpose:
– Rojgar nahi Vyapaar!
see ourselves
• Business, not a Job!
• Profit, not Salary!
– 1.0 Billion Entrepreneurs by 2025!
into the • Vision:
future? – Largest B2B and B2C Transaction Platform, in India to start
with, and Globally soon
• Already on-track to handle 3 Million transactions by Q3
2019
• Mission:
– Maximize transactions
– Source transactions through Democratized Network
Marketplaces
– Generate FCF (Free Cash Flow) from each and every
transaction
– We will leverage all available current and future payment
methods (online, offline and mobile)
– Stay out of physical logistics and offline on-ground sales
teams
• Values:
– Customer Centricity | Integrity | Transparency | Innovation
Our Projected Numbers
Revenue and No. of Transactions each quarter
₹ 4,00,00,00,000 2,00,00,00,000
₹ 3,50,00,00,000 1,80,00,00,000
1,60,00,00,000
₹ 3,00,00,00,000
1,40,00,00,000
₹ 2,50,00,00,000 1,20,00,00,000
₹ 2,00,00,00,000 1,00,00,00,000
₹ 1,50,00,00,000 80,00,00,000
60,00,00,000
₹ 1,00,00,00,000
40,00,00,000
₹ 50,00,00,000 20,00,00,000
₹- -
Year 2019 Year 2020 Year 2021 Year 2022
Total Revenue No. of Transactions
Cost and Revenue per Transaction each quarter
₹ 70.00 ₹ 65.80
₹ 60.00
₹ 50.00
₹ 40.00
₹ 30.00
₹ 20.00
₹ 6.15
₹ 10.00
₹ 1.35 ₹ 0.92
₹-
Year 2019 Year 2020 Year 2021 Year 2022
Revenue per Transaction Overall Cost per Transaction
Our Projected Numbers
Breakeven Analysis
₹ 7,00,00,00,000.00
₹ 6,00,00,00,000.00
₹ 5,00,00,00,000.00
₹ 4,00,00,00,000.00
Cash Flow
₹ 3,00,00,00,000.00
₹ 2,00,00,00,000.00
₹ 1,00,00,00,000.00
₹-
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43
Months
Cumulative Revenue per Month Cumulative Expenditure per MonthYes, we have an unique plan
Approach Bill Cloud StoreKing ShopX ipay Meesho
Founded 2013 2011 2015 2013 2015
Founder Kumar Majethia Sridhar Gundaiah Amit Sharma Krishna Vidit Aatrey
Lakamsani
Link http://www.billcloud.in/ http://storeking.in/ https://shopx.in/ https://ipay.in/ https://meesho.com/
No. of Employees 12 375+ 150+ 150+ 750+
Funding Received $0.21 Million $21.5 Million $35 Million Unknown $53.5 Million
Summary Enables offline Enables retailers Connects Enables rural Enables offline
sellers to sell their to sell products retailers and orders from local sellers sell pre-
products and to walk-in store owners stores, and curated products
services online, customers with FMCG delivery of online
while enabling through self- companies via material from
cross selling checkout smartphone various sellers
through app machines
Cost of Kiosk None None None ₹ 8,800 None
Customer Over App Over App Over App Over Phone Over App
EngagementYes, we have an unique plan
Feature Bill Cloud StoreKing ShopX ipay Meesho
Summary Enables offline Enables retailers to Connects retailers Enables rural Allows community
sellers to sell their sell products to and store owners orders from local influencers to
products and walk-in customers with FMCG stores, and share product
services online, through the self- companies via delivery of details on
while enabling checkout machine smartphone material from WhatsApp and
cross selling various sellers close the deal
through app offline
Target Segment Informal Sector General Trade General Trade General Trade Informal Sector
Logistics Local Shipper Self pick up Self pick up Self pick up Drop Ship
(Swiggy model)
Network Effect Cross Selling local None None None None (Meesho is
friend’s inventory invisible to end
on my App Consumer)
End Consumer Community of Walk-ins at Retail Walk-ins at Retail Walk-ins at Retail Reseller’s
Consumers created Outlet Outlet Outlet community on
by the Seller WhatsApp
Group Chat / Seller can continue None None None Meesho does not
Social Interaction to reach out interact with the
informally using a end Consumer
WhatsApp like
Group Chat featureOur Ask Investment and its utilization • Requesting Series A funding of $ 43 Million • Seed funding of $ 0.3 Million raised over last 3 years @ valuation of $ 3 Million • Angels are willing to exit with the Series A fund Expenditure 2019 2020 2021 2022 No. of Merchants to be Onboarded 5,34,280 5,28,93,750 5,28,93,750 5,28,93,750 App Development and Maintenance ₹ 6,30,00,000 ₹ 26,36,28,000 ₹ 34,98,12,000 ₹ 44,37,72,000 Brand Ambassadors ₹- ₹ 18,63,00,000 ₹ 19,71,00,000 ₹ 20,79,00,000 One-time Marketing Bombarding ₹ 12,50,00,000 ₹ 62,50,00,000 ₹- ₹- Repetitive Advertisement ₹- ₹ 6,66,66,667 ₹ 40,00,00,000 ₹ 40,00,00,000 Server Cost ₹ 93,499 ₹ 45,54,740 ₹ 2,16,48,236 ₹ 4,06,45,908 People Cost ₹ 6,30,00,000 ₹ 26,36,28,000 ₹ 34,98,12,000 ₹ 44,37,72,000 Buffer and Miscellaneous ₹ 1,25,81,389 ₹ 7,31,33,558 ₹ 6,85,63,299 ₹ 7,94,49,183 Total Expenditure ₹ 26,42,09,168 ₹ 1,53,58,04,714 ₹ 1,43,98,29,286 ₹ 1,66,84,32,841 Total Expenditure per Transaction ₹- ₹ 6.74 ₹ 1.41 ₹ 0.92 Gross Profit ₹ -26,42,09,168 ₹ -1,08,03,30,756 ₹ 60,24,57,173 ₹ 1,96,06,66,117 Gross Profit % 0% -237% 29% 54%
Contacts Pavan Kota, Global CEO, KINDUZ Consulting Website: https://www.kinduz.com/ India Mobile: +91-9246185183 US Mobile: +1-832-789-8137 UK Mobile: +44-20-3322-4563
Enabling Financial Transactions As-is Use Case
Managing millions of financial transactions: As-is Use Case
Merchant Consumers
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlementManaging millions of financial transactions: As-is Use Case
Merchant Consumers
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlementManaging millions of financial transactions: As-is Use Case
Merchant Consumers
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlementManaging millions of financial transactions: As-is Use Case
Merchant Consumers
5. Markets the platform to their target market and facilitates usage
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlementManaging millions of financial transactions: As-is Use Case
Merchant Consumers
5. Markets the platform to their target market and facilitates usage
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlementManaging millions of financial transactions: As-is Use Case
Merchant Consumers
5. Markets the platform to their target market and facilitates usage
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlement
IntermediariesManaging millions of financial transactions: As-is Use Case
Merchant Consumers
5. Markets the platform to their target market and facilitates usage
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlement
Intermediaries GovernmentManaging millions of financial transactions: As-is Use Case
Merchant Consumers
5. Markets the platform to their target market and facilitates usage
1. I collect payments via various online and
offline means. I need to ensure Transaction
Management i.e.:
• Timely collection of Payment
• Reliable payment streams
• Reconciliation of payments 2. I want to pay my pending bills of the
• Reduce fraud merchant, but I need flexibility to make
• Automated multi-merchant settlement payments through various means.
and transparency across intermediaries
(Wholesalers | Distributers | Retailers)
• Automatic taxation settlement
Intermediaries GovernmentEnabling Financial Transactions Add-on Use Case
Democratized selling: To-be Use Case
Seller
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
5. Markets the app to their target market and facilitates app download, and purchase
• On purchase, facilitates service / product delivery
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
5. Markets the app to their target market and facilitates app download, and purchase
• On purchase, facilitates service / product delivery
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
5. Markets the app to their target market and facilitates app download, and purchase
• On purchase, facilitates service / product delivery
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
ABC
- Priests
- Education Classes
- Food
- FMCG products
- Delivery service
- Personal Care
- Health Care
- Any legal service / productDemocratized selling: To-be Use Case
Seller Consumers
5. Markets the app to their target market and facilitates app download, and purchase
• On purchase, facilitates service / product delivery
1. I want to create my own
online store for my services
and products such as ABC,
and I don’t have money to
invest in an app
2. I want to procure the services of
priests, but I don’t know where to buy
those services online.
• Makes ₹ 2 per transaction
• Platforms provided ABC
• White-labeled store app - Priests
• My products / services - Education Classes
• My manually selected cross-selling products / services - Food
• BC auto-algorithm-selected cross-selling products / services - FMCG products
• BC Marketplace - Delivery service
• Bill Cloud Marketplace - Personal Care
• Cash and Tax settlement, Reconciliation, Customer Ledger, - Health Care
Customer Engagement - Any legal service / productEnabling Financial Transactions Thank you
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