Problem

Solution

Offering escrow services for E-Businesses, including SMEs, to reduce both buyer and seller fraud.
This will protect buyers’ money and increase sales due to higher buyer safety. A Win-Win proposition.
Introduction

“Jamanot” is a Escrow service that will hold

money from customers owed to seller as safety
deposit, and the seller will be credited his amount
after the buyer receives his/her product. This will
provide security for both the buyer and seller, and
help to prevent scams and fraud.

The whole process will be automated and online,

making it easy to use for both customers and
sellers.
 Product’s USP

● Caters to SME and Instant money settlement time using RTGS.

● Various modes of payment including credit cards,Visa and master

card, MFS like Bkash,Nagad,Upay etc. accepted.

● Customers can see seller’s past delivery history and vice-versa

 How it works
1. Buyer and seller agree to terms

3.Jamanot confirms 2.Buyer pays in

prepayment to seller advance to Jamanot

6.Jamanot immediately sends 5.Buyer confirms to Jamanot

prepayment to seller that desired product recieved

Seller Customers

4.Buyer receives desired product

 About Our
Product
● Buyer can deposit a portion the amount or the full amount in “Jamanat”, depending on buyer-seller
contract.
● Jamanat will take 3% as a service fee in return for greater safety to both buyers and sellers.

Current Product

In development stage, can handle a few simple transactions. Need more

resources to fully develop the app and websites to handle greater traffic and
storage with enhanced security features.
 Revenue
Stream

●3% from all transactions- 1.5 % charge taken from buyer and
1.5% taken form sellers
●Data monetization
●Selling extra features to sellers to help increase their sales
 The Market
E-commerce market size in
Bangladesh
$1.6 Billion
If we can serve With 3% of service
5%of the charge, Potential
market=$.08 Revenue would be
Billion in millions
 Target Customer

Selling specialty
E-commerce websites like
products like custom
made T-shirts,cakes etc. Daraaz, Prioyoshop etc.

SME sellers from FB market Pre-order sites like

place with adequate Alesha,Dhamaka etc.
technical skils

Sellers that sell digital products

like Netflix,MSoffice365 etc.
Why is is needed?
●For buyers- Preventing seller fraud, can reject the products if quality is not ensured and
wrong products is delivered which is very common in Ecommerce nowadays.
●Suppose they buy a bike at 50% discount, buyer more than willing to pay a charge of 1.5%
for security instead of losing the whole advanced amount

●For Sellers- cancelled Preorders, overcoming lack of trust of buyers, digital data, and
greater customer satisfaction and greater sales

●To prevent frauds like Eorange,

●To build a digital and prosperous Bangladesh under Sheikh Hasina’s leadership and
Competitive Advantage
●Strengths
●Various payment and collection modes including major debit and credit cards,
Internet banking, MFS like bkash,nagad, etc.
●No setup on registering cost for sellers
●Easy cancellation policy for buyers within 24 hours.
●Same day settlement time
●Payout support
●Blockchain and
 Indirect Competitors Analysis
Service/features

Poor Pricing Reasonable

Pricing

*Currently there are no direct competitors in the market except

Bangladesh Bank and few other private banks providing escrow
 Future Market Opportunities

This business model is appropriate for Asian and Developing countries as they are E-Commerce fraud
is very common here.
THE 4P’s – Price

SHARED
• Shared
economy
business
structure
 Promotion
Promoting
through E-mail and
traditional SMS
media channels marketing

Social media Celebrity

promotional endorsements
tools.

Social Media Sponsoring

community cooking shows
marketing in televisions.
Data
 Required Permission

●Payment Systems Oversight (PSO)/ license

●Licen
 Future Growth Strategy

●Giving escrow services for property and lands so that bounced cheques
and property fraud can be eliminated.
●Forming exclusive partnerships with MFS to cater especially to SME
business
●Starting our own digital wallet consisting of “Bangla Tokens”
●Using the existing blockchain technology to start our own digital curreny
 For the RMG sector

●Big opportunity for garments industry

●Start escrow services for import/export for foreign buyers of
RMG products to ensure that foreign buyers cannot suddenly
cancel order and to ensure the promised products are
delivered to buyers.
Estimates
 Revenue forcast *Revenue=Transaction fee +
Data Monetization+Yearly
subscription fee

Year 1 Year 3 Year

Year 2 Year 4 5

Tk 630,000 annual Tk 1,260,000 annual Tk 1,680,000 annual Tk 3,910,000 annual Tk 4.360,000 annual

This company is expected to become profitable form the third business year
 5 Year Financial Forecast
Year 1 2 3 3 4

Revenue 630,000 1,260,000 1,680,000 3,910,000 4,360,000

Expenses

Marketing(all inclusive) 600,000 600,000 600,000 500,000 500,000

Website (all inclusive) 300,000 160,000 70,000 180,000 180,000

App 400,000 110,000 90,000 200,000 260,000

Employee 260,000 260,000 440,000 640,000 640,000

Database 250,000 290,000 80,000 330,000 120,000

Miscellaneous ( licensing, maintenance etc) 140,000 90,000 50,000 50,000 50,000

Total cost 1,950,000 1,510,000 1,330,000 1,900,000 1,750,000

Net income/loss -1,320,000 -250,000 350,000 2,010,000 2,610,000

Fund Raising

SEED MONEY,

Tk 15 LACS
SERIES A FINANCING 3RD YEAR,

Tk 25 LACS
 The Team

Ahnaf Tahmid Rafat Hossain Adil Abrar

Rafat Hossain is a Computer Adil Abrar is a student of

Ahnaf Tahmid is a Finance
engineer, specializing in Marketing and Information
student and a self-taught
Machine Learning and AI. He Systems in North South
programmer. He is
also the founder of “The University. He has a
currently working on his
Selling Site”, a start-up catering passion for all thing tech
Ed-tech platform “Shikhao”.
to B2B segment of RMG sector. related.
T h a n k Yo u ! !