Lol

1. Godzilla for an
Urban Payment Experience
Strategy Brief
1
Ali Elouafiq, Senior Product Manager
Taoufik Zaria, Senior Product Designer
Younes El Abbassi, Head of Engineering
Yassine Zyad, Chief Product and Technology Officer
Sophia Ksikes, Chief Financial Officer
GodZilla Pay Anywhere– 2023 Plan Meeting– Q4 2022

2. Outline
General Business Landscape 3
New Product Positioning 16
MVP, Roadmap, and Strategy 23
Design and Development Milestones 29
Questions X
2

3. General Business Landscape – As-Is
Successful Paiement App using Debit Cards Technology.
Successful Loyalty Program.
Opportunity
Leverage the Mobile Wallets for further growth
3

4. General Business Landscape
• Opportunity
• Debit Cards limitation
• High Transaction Fees.
• Banked Users.
• Delayed Merchant Payment
• One-Way money.
4
• M-Wallet Advantages
• Low to No fees.
• Independent Account.
• Real-Time Payment.
• Inter-Wallet transfer.
What are the current challenges M-Wallets Face? So We can Out-run them?
Are the M-Wallets the way they currently deployed growth Levers (network effect)?
How can we leverage our Debit Cards Positioning to Surf M-wallet Growth?

5. General Business Landscape - Problem!
5
+12 Payment Providers, 6 Million Wallets Created by 2021
But how does the Growth landscape look like?
Feb-20, 10%
Apr-20, 38%
18%
Jun-20, 10% Sep-20, 9%
Jan-21, 36%
Feb-21, 8%
May-21, 17%
10%
Jul-21, 2% Nov-21, 2%

6. General Business Landscape - Problem!
6
General User Satisfaction Disparity with extreme negative and positive reviews
4.08
4.41
2.69
3.74
3.63 3.09
4.34
3.78
3.87
3.74
4.49
3.61
0
500
1000
1500
2000
2500
Number
of
Reviews
User Play Store Ratings for M-Wallet Provider
(average Rating in bubble)
Average
1-star
2-star
3-star
4-star
5-star

7. M-Wallet experience was designed for wallet-to-wallet transfer
Adoption Assumption: Person-to-Person Transfers
7
General Business Landscape - Problem!
My Wallet My Friend Wallet
Paying Bills
Outdoor Experience
Friend Cash-Out
My Wallet
My Cash
My Cash
???

8. General Business Landscape - Solution!!!
8
Internet Payment
Based on Credit Cards
(West) 1999-present
Mobile Payment
Based on Phone to Phone
(Africa) 2008 - present
?
E-Card Payment
Prepaid Transportation Cards
(East Asia) 2004 - present

10. General Business Landscape - Solution!!!
10
Internet Payment
Based on Credit Cards
(West) 1999-present
Mobile Payment
Based on Phone to Phone
(Africa) 2008 - present
E-Card Payment
Prepaid Transportation Cards
(East Asia) 2004 - present

11. 11
General Business Landscape - Solution!!!

12. 12
General Business Landscape - Solution!!!

13. 13
General Business Landscape - Solution!!!
-40%
-20%
0%
20%
40%
60%
80%
100%
120%
140%
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Volume Growth Rate per Transaction Category
vs Number of Transactions
total Transactions Volume transportation Transactions retail Transactions NumberOfTransactions

14. • Mobile Money Centered Around Transportation Hubs
• Prepaid Cards Usage for Outdoor payments.
• Phenomenal non-stop growth for ~20 years (~130%)
14
General Business Landscape - Solution!!!

15. E-Card experience designed for Physical Checkout
E-Card encourages spending in The Customer Journey Lifecycle
Merchants Adoption Grows Around Transportation Hubs
15
General Business Landscape - Solution!
Outdoor Experience
Machine/
Vendor
My Cash My Wallet
Public Transportation

16. 16
New Product Positioning - Vision
Enable an Urban Cashless culture around Mobility, centered around public
transportation hubs, with e-card as a payment experience, where both customers
and merchants m-money over cash for their day-to-day transactions.

17. 17
New Product Positioning - Vision
Enable an Urban Cashless spending Culture, with e-card as a payment
experience, where both customers and merchants m-money over cash
for their day-to-day transactions.
• Technology Pillars and Challenges
• Personalized and Collectible Cards Issuance
• Low-Power Low-Cost Payment Terminals.
• Cash and Coin Machines.
• Mobile App Centric Experience
• API, Infrastructure, and Third Party Integration.

18. 18
New Product Positioning - Assumptions
A1. Urban Mobility payment friction is a growth lever for
User Acquisition, and transportation providers will accept.
A2. Users consume with Merchants at the Transportation
Hubs Points, and merchants will accept.
A3. Card experience, in addition to mobile QR experience,
will encourage consumption.

19. MVP, Roadmap, and Strategy - MVP
Develop  Engage  Leverage
Three Streams Starting in Parallel

20. MVP, Roadmap, and Strategy - MVP
Product Feature:
• Enable Monthly Subscription Payment for Public Transportation Cards through the App  3 months (parallel)
• Enable Customer/ Merchant Check-out experience  3 months (parallel)
• Planning and Integrating Top-Up with ONCF, Casa Tramway  6 months (water fall , in parallel)
Approach:
• Evolve the product from the it already is, into a next iteration without exiting customer experience
Goal:
• Grow User Base around the Public Transportation in an organic manner.
• Enable Merchants to get paid electronically from Commuters.
• Create daily user consumption habits using mobile payments.
Develop  Engage  Leverage

21. MVP, Roadmap, and Strategy - MVP
Product Feature:
• Running a local cash-in service in campus (e.g. Casa Nearshore, AUI, Some big Corpo)  (1 month)
• Running a Card PoS PoC with Merchants  (3 month)
• Running a Card PoS PoC with Taxi Drivers  (6 months)
Approach:
• Confirm user habits and merchant consumption with the adoption of cards
Goal:
• Validate the relevance of cards in user day to day.
• If, relevant, Design a frictionless card merchant-customer experience
• If, relevant, Grow an initial user base with the Taxi Transportation outside the mass public transportation.
Develop  Engage  Leverage

22. MVP, Roadmap, and Strategy - MVP
Product Feature:
• M-Wallet Transportation Card Integration (pay with transportation card, or vice versa)
• Payment Machine API Integration
• Cash Management and Predictive Maintenance Monitoring for Cash Machines.
Approach:
• Take advantage of Legacy Cash Management Systems where transportation providers have invested heavily,
give back ROI.
Goal:
• Increase User Consumption through piggy backing on transportation cards, as an experience.
• Increase Adoption through Frictionless Cash-In through Machines.
• Increase ROI for Transportation Providers
Develop  Engage  Leverage

23. MVP, Roadmap, and Strategy
Transportation
Subscription
& Top Up
ONCF
CASA TRAMWAY
User Identification (KYC)
Merchant
Network
Mobile
Checkout App
Account / Subsriber Card Integration
MVP, Roadmap, and Strategy - MVP
ONCF – Train Booking API
Subsriber Card Settlement
API Tramway / Bus Card Top Up API
Use Transportation
Card as M-Wallet?
Merchant
KeyPad Ammount QR
Customer
Confirm QR Scan
Merchant Transaction
Category / Tags Feature
Customer
Merchant Points
Merchant Payment
Settlement Management
M-Wallet Integration?
Card + PoS
UX Pilote
CasaNearShore
Light PoS for Taxi Drivers
Light PoS for Restaurants & Coffeeshops
Guichet Service with Partner on Spot
ONCF/Tramway
Coin Machines API

24. MVP– first iteration (3 months)
A1. Enable Monthly Subscription Payment for Public Transportation Cards
B1. Enable Customer/ Merchant App Check-out experience.
B11. Key-Pad Total Checkout (Enter Amount and Validate)
C1. Light weight QR Code PoS Terminals as a Check-Out Experience
24

25. MVP – Next Iteration (3 months)
A1. Enable Monthly Subscription Payment for Public Transportation Cards
A2. Enable Ticket Buying from Public Transportation Providers.
A21. Top-up cards
A22. Buy Direct Tickets.
B1. Enable Customer/ Merchant App Check-out experience.
B11. Key-Pad Total Checkout (Enter Amount and Validate)
B12. Tagged and Category on Checkout.
B13. Merchant Listing and Discovery
C1. Light weight QR Code PoS Terminals as a Check-Out Experience
C2. Guichet - Cards Pilote with for PoS Terminals as a Check-Out Experience
25

26. MVP – Third Iteration 6 to 9 month
A1. Enable Monthly Subscription Payment for Public Transportation Cards
A2. Enable Ticket Buying from Public Transportation Providers.
A21. Top-up cards
A22. Buy Direct Tickets.
A3. Enable Top Up in the Transportation Cash Terminals and Machines.
B1. Enable Customer/ Merchant App Check-out experience.
B11. Key-Pad Total Checkout (Enter Amount and Validate)
B12. Tagged and Category on Checkout.
B13. Merchant Listing and Discovery
B2. Enable a Comprehensive Merchant Product Catalogue.
C1. Light weight QR Code PoS Terminals as a Check-Out Experience
C1. Start Designing for Production Final PoS Terminals.
C2. Guichet - Cards Pilote with for PoS Terminals as a Check-Out Experience
C3. M-Wallet to E-Card Integration Pilote
26

27. Questions

28. Low-Fidelity
Prototype
Design Mockup
Software Engineering &
Development Closing
Software Engineering &
Development Kick Off
Product
Requirement
Compilation
Solution Mock-Up
Mock up Deloyment
Software Engineering &
Development Mockup
Production
Environemnt
Requirement Kick Off
User Research
Requirement Kick Off
User Research
Feedback Collection
Low-Fidelity
Prototype
Design Kick Off
User Research
Requirement Closing
Low-Fidelity
Prototype
Design Closing
Production
Environment
Requirement Closing
Machines Engineering Management | Phase 1
Low-Fidelity
Prototype
Production Launch
Output
Low Fidelity
Prototypes
User Requirement
and User Feedback
S
2- 3 months
1- 2 months
4- 5 months
Phase 3
Start
6- 8 months
II
I

29. Software Engineering &
Development Closing
Product
Requirement
Compilation
Low-Fidelity Prototype
Deployment
Software Engineering &
Development Kick Off
User Research
Requirement Kick Off
User Research
Feedback Collection
High-Fidelity
Prototype
Design Cycles
User Research
Requirement Closing
Machines Engineering Management | Phase 2
High-Fidelity
Prototype
Design Kick Off
High-Fidelity
Prototype
Design Kick Off
Software Engineering
Continious Integration /
Continious Development
Deployment and
Integration Planning
Final Product
Production Planning
High-Fidelity
Prototype
Production Launch
Output
High Fidelity
Prototypes (MVP)
Customization for the
Final Product
Deployment and
Integration Planning
S
2- 3 months
1- 2 months
4- 5 months
Phase 3
Start
6- 8 months
II
I

30. Software Engineering &
Development Closing
High-Fidelity Prototype
Deployment
Software Engineering &
Development Kick Off
Final Product
Requirement Kick Off
User Research
Feedback Collection
Final Product
Design Closing
Final Product
Requirement Closing
Machines Engineering Management | Phase 3
Final Product
Design Kick Off
Software Engineering
CI/ CD
Final Product
Deployment
Final Product
Production Launch
Deployment and Integration
Change Planning Kick Off
Deployment and Integration
Change Planning Update
Deployment and Integration
Change Planning Closing
Deployment & Integration
Kick Off
Training &
Communication
Kick Off
Training &
Communication
Closing
Deployment
& Integration
Closing
Client Support Program
Kick Off
Output
Final Product Deployment &
Integration
Training & Support
Program
Discussions
Start
S
2- 3 months
1- 2 months
4- 5 months
Phase 3
Start
6- 8 months
II
I

31. Junior System
Engineers
Skill Transfer
Junior Solution
Engineers
Skill Transfer
Outsources Activities
Collaborate and Coordinate At Large
Requirement Engineer #1 /
Business Analyst
Delegates
Hires .. then
Software Engineering
Product Manager
/ Product Owner
Requirement Engineer #2 /
Design Thinking Workshops
Manages
Manages
Requirement
Management
Activities
User Research /
Design Thinking
Activities
Collaborate
On
Acts On
Product Design
Defines
& Updates
Production
Planning
Limits
& Review
Defines & Kicks Off
Testing & Dev
Environement
Machine Specs
and Docs
Evaluate
Bill of Material
System Design
Product Spec &
Software
Sourcing / Supply
Management
Production Launch
Roles & Responsibilities vs Key Activities | Phase 1 & 2
Expert
Contractors
Outsources Activities
Systems Engineering
Firmware &
Software Solution
Expert
Contractors
Hiring

32. 32

33. Afficher le Montant de la Transaction
Afficher le Menu de Navigation.
Afficher les Donnés demandé de la CNIE.
Afficher les Collectés lors du SCAN.
• Saisir le Montant de la Transaction
• Saisir les donnés des comptes Niveau 1
• Naviguer les options du menu.
Numeric
Pad
Action Buttons ✔️
3
DEF
Validate Register
Sun Light Resistive
2’’-3’’ inches screen

34. Seller
Space
Phone Usage
Having more
liquidity and
client traction
*when the services will be possible
online in some providers
Phone Usage
Buyer
Space
Quick and Easy
Account Creation
Anywhere
Anytime
Payment Institutions
Space
Online by OTP
Cashless
Channel
Offline
Low Transaction
Fees
Real Time
Reception

35. Buyer
Space
Quick and Easy Account
Creation
Anywhere
Anytime
Seller
Space
Having more
liquidity and client
traction
Encouraging Buying
Behavior
Payment Institutions
Space
Cashless
Channel
Offline
Memberships and
Fidelity Points
Low Cost PoS
Receive Discounts
Fast Card Usage
Value Added
Services
Value Added
Services
Phone Usage
Real Time
Reception
Low Transaction
Fees
Multi-
Memberships
Targetted
Discounts
Real Time
Reception
Phone Usage
One Time Password
On Card
to Replace SMS
Content Selling
(as low as 1DH)
Marketing
Space
Transaction
Experience