Presentation of

Managerial Economics

Presented By:
MBA-IT 3rd Batch
Group ‘C’

Shipra Sharma
Pramila Basyal
Bibesh Manandhar
Laxmi Ghimire
Rohan Pariyar
eSewa:
Growth and Services

Presented By:
MBA-IT 3rd Batch
Group ‘C’

Shipra Sharma
Pramila Basyal
Bibesh Manandhar
Laxmi Ghimire
Rohan Pariyar
Table Of Content

 Introduction to eSewa
 Components of eSewa
 How eSewa works ?
 Mission, Vision, Growth and Future
 Services
 Advantages
 Database, Script, Security
 Technical Analysis
 Conclusion
Introduction
 Nepal’s first online payment gateway
 Mobile Money Account and Digital Wallet
 Electronic Payment
 Founded on 2009
 Offered by F1 SOFT International Pvt. Ltd.
 Founded by Nepali Entrepreneur Himal Niraula and
Biswas Dhakal
 Licensed by NRB as Payment Service Provider
 Free Registration
 Pay without exposing credit card number and bank
account number to the merchant
 About F1Soft International
 An ISO Certified Company
 Working in the field of software development and IT
services since 2004.
 Founded by Nepali Serial Entrepreneur, Biswas Dhakal.
 Products:
 Mobile Banking System,
 Internet Banking System,
 Tab Banking System,
 Cards Management System,
 Digital Wallet and Online Payment Gateway.
 About F1SOFT International
 F1Soft Group now has 3 other companies under its
group:
 eSewa Fonepay Pvt. Ltd.,
 Dharma TechNet
 Shiran Technologies.
 F1Soft has developed eSewa to fill the gap between
Merchant’s website and the financial institutions.
Birth of eSewa
 In 2000s,eSewa had very low impact in Nepal.
 Only few alternate channels offered by Banks like
Debit and Credit Cards.
 F1Soft introduced SMS banking in 2006,it was well
received by customers.
 Later on added more features and transactional
services in 2007 in SMS Banking and got positive
response by customers.
 Realized the need of the Payment Gateway and
developed a web and mobile based application
‘eSewa’ in 2009.
Components of eSewa
 Major Components of eSewa includes.
1. Customers
2. Merchants
3. Partner Banks
Components of eSewa
1. Customer
 people from all age groups, as they shop are all feasible
customers of eSewa
 target is that customers to be at least young to understand
the payment system and it’s flow.

Types of Customers
a. Basic Customer :
 also known as General Service Access.
 customers who have been registered his/her photo,
identification document through web/mobile.
b. Standard Customer :
 known as All Service Access.
 after verified the identification document, customer
upgraded with ASA authority.
 will have unlimited transaction and access to all the
services.

c. Zone Customer :
 also called Agent Authentication Access.
 upgrade themselves to become AAA customer.
2. Merchants
 goods and services which are up for sales.
 key role to perform and eSewa effort to enlist
participation in the system.
 partner merchants are : Ncell, Nepal Telecom, Dish
Home, Buddha Air etc.

3. Partner Banks
 behind the scene hold the actual transaction of any
payment process.
 occur amongst the settlement bank and partner
banks.
 Partner banks are : Nabil bank, Global IME bank
Everest bank etc.
How eSewa Works?
Request to Payment Gateway

Payment Gateway Response

Payment Gateway
Merchant Web
Server(QFX)

Request for
Order Server Let’s
Response
buy a Bank confirmation
Ticket movie ticket. Response

Happy Time 
Fund transfer to merchant a/c
Mission and Vision

 Mission: What do we do? What

makes us different?

 Vision: Where do we aim to be?

Mission and Vision of E-Sewa

 Mission: To create a cashless economy

 Vision: To cover every payment sector including

Small/Big, Dealer/Retail, Private/Government,
Domestic/International
Growth

 Primarily in terms of profitability and revenue.

 However, growing reputation, perspective and
expertise.
Growth

Growth of iPhone Sales from 2007 - 2017

250
231.22
216.76
211.77
200

169.22
150 150.26
125.05
100
72.29
50
39.99
20.73
11.63
0 1.39
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Unit sales in million

Source: Apple Inc. Accounts

Growth E-Sewa
 Starting with few services like airtime top-up and pin
less recharge in the past, now covered major industries
ranging from fast food chains to international airlines.
 Though most of the banks and financial institutions
were facilitating their customers with mobile and
internet banking services, most of the users could not
get benefited as there was a huge mass of the unbanked
population.
 Realizing the need to furnish unbanked users, F1Soft
developed standalone digital payment platform under
brand ‘eSewa’.
 Within a very short period of its inception, it became so
popular among stakeholders that F1Soft’s management
decided to develop it as a separate wing under their
ownership.
Growth E-Sewa

 More than 50K active users.

 Active user decrease after its update.
 New features added increase user.
 Competitor – ‘Khalti’
Growth E-Sewa

 Visiting sites from search engine.

 Increased by 6%
 Increased search in search engine about E-Sewa
Future
 To complete its mission i.e. To create cashless economy
in coming days.
 To cover each and every industries of Nepal with their
revolutionary payment platform.
 To help in the growth and development of economy
enhancing financial mobility.
 To act as the backbone of economy of Nepal, which is
their future and they are onto it.
Ref: https://www.youtube.com/watch?v=cxp4AOy80_U
Services

 Sending and receiving money

 Payment of utility, school, college bills ,credit cards,
internet service bills
 Purchase of air, movie tickets and recharge and calling
cards
 Subscription of Newspaper and Magazine
 Facility of all eSewa Services through mobile phone
Advantages

 Full 24*7*365 convenience

 Rapid and efficient transaction
 Multiple payment options
 Flexible and powerful real time report generation
 Merchants can get rid of large database, extensive
processing and complex software
Database, Script and
Security of eSewa

 SSL certificate
 Encrypt Private and confidential information securely
 VPN connection
 Stored in a state-of-the-art Data center
 Notified to user through email
Technical Analysis oF eSewa

 SWOT Analysis
 STP- Marketing Analysis
 PEST Analysis
SWOT Analysis
 Strength
 SSL certificate
 Encrypt Private and confidential information securely
 VPN connection
 Weakness
 eSewa has limited reach.It operates within Nepal merely
 Lack of product reviews
 Opportunity
 Low competition as there is lack of payment gateway service available in
Nepal
 Consumers get facilitated as it saves time of the buyers since they don’t
have to rush to the particular business houses or stations
 Threat
 Hackers may steal card numbers.
 Sometimes eSewa also gets incompatible with some webbrowsers
 Load shedding discourages the customers to payonline.
Conclusion

 eSewa is a digital wallet

 payment in eSewa is done over a secured channel without
exposing any personal detail
 To create a paperless money
 Dynamic and interactive platform for electronic payment
 Replacing the traditional way of payment
 More security reliable and efficient in coming days
 100% protection against the unauthorized payment
 However eSewa in facing various challenge due to
government regulation so it is not been able to deal with
international market
Thank you

Any Queries?
References

 https://blog.esewa.com.np/about-eSewa
 http://www.sigmanow.com/newsletters/how-do-you-
define-business-growth/