Good evening everyone!

We are here to look at pay nearby first of its kind upgrade plan, paynearby
2.0 which would leverage the pre existing market and have additional services.

Let us explore the initial stage on what we have planned to achieve..

Before making any intervention we looked at the market landscape which we are currently catering
to. As Paynearby follows a B2B2C model there were two broader segments which we identified.

first one being Service providers and the latter being the consumer segments.

Currently paynearby has, about eighteen thousand serviceable pin codes. In which majority of the
service providers are retail store owners. We can expand our service provider portfolio by including
Medical stores, Mandi stores and the Ration shops. To select these stores, we would be doing a
geographical landscape analysis to target stores within a set proximity. This would increase the
accessibility for the consumers and drive in additional revenue.

Moving on to the Consumer segment, we classified it into Metros, Tier 1 cities and Tier 2 and Tier 3
cities. We know that 80% of the transaction volumes are coming through Rural areas. So, we are
looking at a healthy volume but now we need to drive the transaction value, we plan on driving the
value by Incentivizing existing customers and adding in the new services. While implementing these
in the tier 2 and tier 3 areas Our focus on the Metro cities is to build in a niche segment which has
untapped potential, the people having age above 65 years. In addition to this we will look at
increasing immigrant labour spent and targeting consumer market of the mega stores.

Moving to the launch part --

We plan on implementing the new services initially as a soft launch to test the water level. For that
we have selectively segmented our test group. we have identified 4 major segments

1. The segment which shows high growth potential. These stores would be selected basis of
model scoring which would be dependent on variables like avg txn per month, avg txn value,
pay day txns., etc
2. High value retailers - here we are Utilizing established market to test new services and have
standard benchmarking
3. Durring the soft launch we would like to expand our horizon within the Urban retailers to
include stationary and recharge stores as well – these stores are highly adaptive and feasible
for immigrant workers.
4. To identify areas of opportunity we would be launch these new services in low value
retailers as well.

We plan on launching 13 new facilities which are shown in the hexagonal chart below. In which the
star service would be Retailer consumer credit book account, we say this because - as majority of trx
in rural areas work on credit basis.

To ensure a smooth function of the current and new facilities we would like add an incentive plan for
the business. This would add a monetary benefit for the Business partners of paynearby.

We have though of a bracket-based incentive model for the business which would have payouts on
monthly basis on achieving the set targets. These targets would be set according to store and area
performance.
In addition this we plan on implementing rewards model for the consumers which would be directly
transferred to their bank accounts. Lucrative rewards would also drive the Gross Txn Value and lead
in an increase in revenue.

We also have projected the overall revenue which would be generated using the new services.

We have included 2 major expenses, to being with the expansion expences.. adding in new services
would have a high initial cost.

Secondly, We, would need to train, the exsisting retailers as well as the newly onboarded ones for
the services.

Adhering to all this, Conculsion being At a lesser exp we can achieve an additional revenue based on
the added services we provide.

That was us, thank you everyone. We are now open the forum for feedback and questions. Thank
you.