FY2012A eServGlobal Investor Presentation (PDF)
FY2012A eServGlobal Investor Presentation (PDF)
FY2012A eServGlobal Investor Presentation (PDF)
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12<br />
Shops<br />
Distributors<br />
HomeSend Business Model<br />
HomeSend makes money through a share of the end-to-end commission on<br />
transferred funds between a variety of remittance service providers.<br />
Branches<br />
ATMs<br />
MNOs<br />
Banks<br />
E-Wallet<br />
Providers<br />
Internet/Mobile<br />
Banking<br />
MTOs<br />
PSPs<br />
Merchants<br />
Agents<br />
Other<br />
Hubs<br />
HomeSend Business Model Basis<br />
1<br />
2<br />
3<br />
4<br />
Sender Cash-in<br />
Sending RSP Commission<br />
HomeSend Hub Commission<br />
5<br />
Receiving RSP Commission<br />
Receiver Cash-Out<br />
0-1%<br />
1.5%<br />
1.5%<br />
1.5%<br />
0-1%<br />
HomeSend price 4.5 – 6.5%<br />
Providing any channel, any device international remittances around the world<br />
for a lower cost than brick and mortar providers and with more reach than internet players<br />
Sample pricing: to send €50 to Morocco via Western Union, it today costs:<br />
- €8.50 (17%) in up-front fees<br />
- €1.70 (3.5%) in hidden FX fees<br />
- Service charges may be additional<br />
0.75% eSG<br />
0.75% BICS
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