Speaker: Sahar Salama, Founder and Head, T-Pay T-PAY - Giving online merchants the ability to transact with 200+M subscribers in 19 + Operators in the MENA region using DCB. Born with the vision to avail the world most powerful mobile payment method in terms of coverage and user experience to fill the gap in MENA region.

1. ENABLING ONLINE MOBILE
PAYMENT IN MENA
FIRST DIRECT OPERATOR BILLING
SERVICE IN THE REGION
www.T-PAY.me - ArabNet Beirut 2015

2. T-PAY at a glance
• Launched 2014 as the First Direct Billing Service in
MENA
• Born to enable Online Business Monetization in
the region
• T-PAY Connects to MENA Operators to enable one
simple integration for Merchants
• Giving Merchants the ability to transact with
200M+ potential users
• In one year - 19 operators in 9 Countries covered
with DCB out of the 40+ covered with PSMS
www.T-PAY.me - ArabNet Beirut 2015

3. T-PAY Connects to MENA Operators to enable
one simple integration for Merchants
Merchants OperatorsAcquirer Network
www.T-PAY.me - ArabNet Beirut 2015

4. Giving Merchants the ability to
transact with 200M+ potential users
200+ M
Potential User in ME
19
Operators
9
Countries
www.T-PAY.me - ArabNet Beirut 2015

5. www.T-PAY.me - ArabNet Beirut 2015

6. Payment Industry
Experiencing Great disruption
Not supply-led
and bank-centric
led business
anymore.
Growing demand of
simplified payment
as a service from
merchants
Payment vendors
will continue to
Consolidate and
Innovate.
Source- Ovum View 2014www.T-PAY.me - ArabNet Beirut 2015

7. Roles of Operators
in Payment Eco-system
www.T-PAY.me - ArabNet Beirut 2015

8. Disruption is driving
Investments
www.T-PAY.me - ArabNet Beirut 2015

9. Global Mobile Payment Perspective
The user demand for convenient and intelligent ways for making payments
for goods and services by using a mobile phone is creating exciting opportunities
for those organizations that are part of the mobile
payment ecosystem.
www.T-PAY.me - ArabNet Beirut 2015

10. 51%
Middle East and Africa are experience the highest Internet traffic growth in the
2012 to 2016 at 51% and Internet gaming is expected to grow in line with this
expansion at an average compound rate of 39% in the same timeframe.
39%
Internet traffic growth Internet gaming
www.T-PAY.me - ArabNet Beirut 2015

11. CC penetration is
low vs. Mobile
Prepaid cards
market
fragmented,
and highly
inconvenient
Cash on
Delivery still
king, risky to
merchants,
with high costs
But the existing payment methods are
failing to capture the opportunity!
www.T-PAY.me - ArabNet Beirut 2015

12. Why direct carrier billing is huge?
There are 7.14 Billion people in the world.
6.8 Billion have mobile phone accounts.
Only 3.5 Billion have bank accounts.
Out of those 3.5 Billion who have bank accounts only
2.15 billion have credit cards.
Which means that there are 4.99 Billion people who
are in need of an easy, fast and secure payment method
www.T-PAY.me - ArabNet Beirut 2015

13. Going Mobile means
Mobile has shifted from
messaging to experience
Smartphones are everywhere
especially in the region
It is not only more smartphones
it is also more often
www.T-PAY.me - ArabNet Beirut 2015

14. Smartphones making Direct
Operator Billing Huge
www.T-PAY.me - ArabNet Beirut 2015

15. Online Purchases trends in MENA
40%
• Currently 40% of users are buying
online.
www.T-PAY.me - ArabNet Beirut 2015

16. Online Purchases trends in MENA
$9
Billions
• B2C e-commerce $9 Billions in 2012
reaching $15 Billion 2015 – 5 Billion will be
on mobile.
$15
Billions
2012 2015
www.T-PAY.me - ArabNet Beirut 2015

17. Online Purchases trends in MENA
41%
• 41% online Gaming and 15%
Entertainment – so more than 55% of
buying power is on digital.
15%
Online Gaming Entertainment Digital
55%
www.T-PAY.me - ArabNet Beirut 2015

18. Online Gaming MENA numbers!
38%
• With a focus on the gaming industry 38%
of the 1.8 Billion online gamers come
from the MENA Region.
of the 1.8 Billion
online gamers
www.T-PAY.me - ArabNet Beirut 2015

19. Online Gaming MENA numbers!
• Online Gaming is an industry worth $24 Billion
annually out of the $63B in 2012.
• Industry growing at 6.5% annually through 2017
worth $87B from $63B (source - PriceWaterhousecooper)
• MENA gets 2% of that number with a 40% year over
year growth.
• MENA is the fastest growing region globally however
it’s the most underserved on terms of payment.
$20
Billion annually
www.T-PAY.me - ArabNet Beirut 2015

20. Massive Internet and Mobile Penetration
is driving growth in gaming Industry
• MENA Gaming industry is estimated to
be between $1 Billion to $2.6 Billion
• 2nd largest mobile population in the
world 528.8 Millions
• 60% of which is below 25 years
• Arabic is the Main Language
www.T-PAY.me - ArabNet Beirut 2015

21. Online Industry Growth Challenges
Local Infrastructure
Optimizing the digital Experience
• Every 100 Millisecond delay on load time = decreases Sales
by 1% (amazon)
• ½ second delay in loading search results = decreases traffic
and revenue by 20% (Google)
• 1 second delay in page load= 7% decrease in conversion
E-payment platforms
Localization of content
www.T-PAY.me - ArabNet Beirut 2015

22. Mobile in app purchases dominates
www.T-PAY.me - ArabNet Beirut 2015

23. 5/6
• 5 out of 6 users prefer direct carrier billing
over credit cards, 14 out of 20 prefer direct
billing over all other payment methods!
Prefer
direct carrier billing
over
credit cards
14/20
Prefer
direct carrier billing
over
all other payment methods
www.T-PAY.me - ArabNet Beirut 2015

24. • Merchants with bigger selection receive more orders per
customers i.e.: adding new items regularly re-engage paying
customers.
• 1-14% of the customers generate 30% of the transactions.
• Most of us have too much concentration on low prices while the sales is
more on high price points.
• The top performers have higher average price points- you can charge more
in the right place and time.
Why DOB Flexible Pricing features matters?
Amazon Says:
1-14% 30%
Source GDC 2014
www.T-PAY.me - ArabNet Beirut 2015

25. A delay of just 3 months can result in a
loss of millions of dollars
www.T-PAY.me - ArabNet Beirut 2015

26. Carriers
(Integrated to
Billing System).
T-Pay
(State of Art system,
security standards,
monitoring & Reporting).
Merchants
(Established
relationships for
digital & physical
goods).
Infrastructure
(Marketing, Operations, Call Center, Logistics).
A unique Regional eco-system
empowering Operator billing B2B2B
A complete ecosystem to empower
your success
www.T-PAY.me - ArabNet Beirut 2015

27. Best in Breed User Experience
Single service – diversity of users experience
Less integration and set up effort, more revenue and more happy
customers.
TPAY widget on Desktop & Mobile
www.T-PAY.me - ArabNet Beirut 2015

28. Partnering with T-PAY Grow online Revenues
Increase Conversion
User Experience
Optimization multiple
flow
Customized Animation
campaigns and
Seasonality events
24/7 customer care
with proactive
scenarios
Acquire New Paying
Users
We do what it takes to
make it work in terms of
customer experience and
Technology.
www.T-PAY.me - ArabNet Beirut 2015

29. T-PAY offers the most advanced Carrier Billing
Platform
Maximum Flexibility Any device streamlined
Customer experience
B2B Merchant Onboarding tools
Customer 360 Portal view availed as APIs for
integration with CRMs
Full Ticketing and complaint management system
covering all parties in the payment process
Reporting and analytics to operator, merchant and
end user
White Labeled/reseller model
One time and Subscription support
www.T-PAY.me - ArabNet Beirut 2015

30. Who we are?
T-PAY is one of the newest ventures of ArpuPlus.
ArpuPlus is launched in 2003, this dynamic company is an OT
Ventures subsidiary that is fully owned by Orascom Telecom
Media and Technology Holding S.A.E. ("OTMT")
Specialized in providing Value Added Services (VAS) and
monetization platform solutions for 12 + years.
www.T-PAY.me - ArabNet Beirut 2015

31. About Us
About Arpu Plus
Arpu plus is specialized in providing value added services and monetization platform solutions for
more than 10 years. Pioneering new ventures and consistently providing the finest services and
efficient solutions, Arpu plus is an OTVentures subsidiary. They have offices in Algeria, Tunisia,
Morocco, Sudan, Dubai, KSA, Jordan, Yemen, Pakistan, Bangladesh, Italy, the UAE, and a head
office in Egypt.
About OTVentures
OTVentures creates a powerful customer experience through its online and mobile solutions
portfolio. OTVentures empowers brands, governments, and consumers through a diverse blend
of digital solutions spanning social marketing, content services, mobile Value Added Services
(VAS), solution development, and hosting services. Through our innovative digital products we
touch the lives of more than 50% of MENA internet users, and 72% of MENA mobile subscribers
every day. With exclusive partnerships with the most prominent global players (Twitter, msn and
more than 100 content providers), we provide exposure and reach that creates strong, lasting
impacts for our clients. OTVentures has over 16 offices covering all markets across the Middle
East and North Africa and Turkey in addition to Canada, Italy, Pakistan, and Bangladesh.
.
www.T-PAY.me - ArabNet Beirut 2015

32. Our Offices
Algeria, Tunisia, Morocco, Sudan,
Yemen, Iraq, Palestine, UAE, KSA,
Qatar, Pakistan, Bangladesh and Italy
in addition to the head office in Egypt.
www.T-PAY.me - ArabNet Beirut 2015

33. THANK YOU
www.T-PAY.me
ArabNet Beirut 2015