2. About Hubbeez
Hubbeez a brand of HubTech Ltd. A Nigerian based mobile technology startup with a
mobile marketing, payment and loyalty innovative platform willing to create a digital
marketplace that will prove to be a significant socioeconomic and geographic
equalizer for small businesses in Nigeria and Africa at large, who now look at digital
commerce as a medium to expand their current market beyond their immediate
catchment area. Local offline businesses can now reach a much larger customer
base using a fraction of the capital they would require for a traditional marketing. This,
will give millions of Africans the opportunity to build and participate in the digital retail
business revolution provided by a single platform and contribute to higher profits and
create a life-changing experience for them.
2
3. Consumer uptake of mobile payments will be directly related to the value add
received from using mobile phones in lieu of the leather wallet. Loyalty, which
has already shown to be an important factor in driving consumer payment
choice, will be just as important in the mobile payments revolution. The loyalty
that will drive mobile payment adoption, however, will be about more than
simply points, miles or free hotel nights. Moving forward, loyalty driven mobile
payment initiatives will be about one-to-one customer engagement and the
individual consumer experience that today’s shoppers want and expect.
3
4. Although mobile phones are present
around the entire payment process,
there’s only a tiny fraction of
consumers that have ever used the
device to execute a payment. In fact,
consumers are just starting to hear
rumblings of a payments revolution.
There’s talk of how the mobile phone
could one day replace the leather
wallet. There’s an alphabet soup of
different technologies, such as NFC,
QR Codes or BLE, that are battling for
their role in the revolution.
The nagging question for many in the
payments industry is what will it take to
convince consumers to use a mobile phone to
execute a payment. Ultimately, consumers
don’t care what technology powers their future
mobile wallet. Above all, consumers desire to
know the value added from using their mobile
phones to make payments instead of using
cash, cards or cheques. That being said, mobile
wallets have struggled in the marketplace due
to a number of reasons, including privacy and
security concerns, an uninformed consumer
base, a lack of the needed infrastructure to
execute such payments and the convenience
of existing payment methods.
pay
4
5. Mobile devices are one of the best tools at the disposal of
payment providers due to their unique qualities, such as the
portability of technology and the additional characteristics
inherent to more advanced devices, including multimedia
services, GPS, camera, social media access and internet
access. All of these features have the potential to impact
payments, albeit some more than others. Although mobile
payments are not yet ubiquitous, consumers already
use these devices around the actual payment transaction
by comparing prices and reading product reviews.
Undoubtedly, mobile phones have become a necessity for
the informed shopper wanting to connect the physical and
digital worlds of commerce.
5
6. Smartphones have allowed more services to be
added around the payment experience. Traditional
plastic cards can provide only two pieces of
information, the purchase is either approved or
denied. Mobile devices, on the other hand, can track
loyalty points, help the consumer locate the correct
product in store, allow consumers to compare
prices across retailers or receive discounts on the
spot. Above all, mobile devices have the ability to
help consumers make more informed decisions and
ultimately strengthen their relationship with brands.
6
7. Hubbeez is a free mobile application that allow smart phone users to
connect to business in their immediate catchment area and receive
rewards for visiting the offline stores. They can pay with their smart phone
in store or online instead of using cash or your bank cards by using their
virtual prepaid loyalty card and allowing a sales merchant to scan a QR
code generated by the application at the point of sale for payment
processing. The experience is engineered for speed, convenience, security
and rewards. Here’s how it works:
DOWNLOAD
Customers download the free Hubbeez app for iPhone, Android or
Windows Phone. They will register the application with their simple
demographics to create a profile. Each application is unique to every device
used and completes registration with a sponsor referral code to activate.
ACTIVATE A VIRTUAL PREPAID CARD
A virtual loyalty prepaid card issued by a partner bank will be preloaded
and ready for one tap activation by the customer. After activating a unique
QR code will be generated and it’s enabled for payment. This process can
be done in less than three to five minutes upon the application download.
SEARCH FOR BUSINESSES, DEALS AND REWARDS AROUND THEIR IMMEDIATE
CATCHMENT AREA
Customer can search for businesses and connect to them through their hubbeez
mobile application with the GPS technology. Search, View compare, recommend,
save and redeem deals to get rewarded, interact, purchase and share products and
services from various businesses within. From buying groceries in a local store, open
air market or the city shopping mall to cloths from a fashion store to electronics and
books to booking a service from events and bus transit to local service providers and
digital products. There is no limit to what consumers can buy with their smart phone
both in-store and online. Even outside their catchment area where they can scan
product QR codes from virtual stores on smart posters placed by brands and
supermarkets in other location.
In addition they can send, receive and pay for other value added services with their
device. Share their experiences with friends, families, colleagues, neighbours and
others both online through their social media and offline (face to face).
PAYMENT
Customers scan their code to pay at any Hubbeez business point of sale terminal.
Any offers available will automatically be applied. Instant push notifications and
email receipts show customers what they’ve spent and how much they’ve saved.
HUBBEEZ FOR CUSTOMERS
7
9. On the business side, hubbeez will be a powerful payment platform to
receive payments through a secure and unique QR code generated by the
customer hubbeez app at point of sale. When customers pay with their
phone a couple of interesting things happens.
Hubbeez save businesses a lot of money when a customer pays with hubbeez
app. Hubbeez has made it possible for businesses to deliver online contents
from their local businesses to customers within their catchment area through
their smart phones and tablet devices and will finally find a way to receive
payments fast, easy and secured by scanning a QR code presented by
customer at point of sale.
Saving money is great, but hubbeez also helps business grow from the low
processing fees. As more and more customers pay with hubbeez, we begin to
compile powerful purchase behavior data, which we analyze and present to
the business in the form of specific actions they can take to drive revenue,
which we call campaigns. Businesses take some of the money they’ve saved
in processing fees and give it back to their customers in the form of traceable
offers and loyalty rewards that drive revenue.
HUBBEEZ FOR BUSINESSES
9
10. 10
“Local commerce, without question, will be one
of the fundamental use cases enabled by
mobile devices over the next several years.”
11. For Hubbeez, the advertising market will always be our largest, most lucrative market. We believe that by leveraging the data inherent in
each transaction and mapping that data to a powerful, pay-per-performance advertising platform, we can provide industry-changing value
to businesses and establish a stable flow of revenue for Hubbeez.
Our business model is unique, but not unheard of. Hubbeez is a mobile app that enables two things – easy payment at the point of sale via a
QR code that is linked to a consumer’s card account, and a message notification, post purchase, of an offer to visit that same merchant again
and receive a discount on a subsequent purchase. The discount is automatically applied to that purchase at that next visit. Hubbeez also
does something that a lot of new mobile apps also do – it rides the existing card rails. That makes it easy for both merchants and consumers
to adopt.
Hubbeez will charge its merchants a processing fee in percent for each transaction made when someone paid for stuff using the Hubbeez
mobile app. It probably might sound good to merchants who might have even paid more and who got the added bonus of being able to
offer a cool new mobile payments application to its customers that will not be too complicated to implement. "Our business model revolves
around the campaign the merchants run in order to drive new customers to come back in and when merchants do run them, they are happy
to pay a small fee. We're only making money off the reward that's brought back into the business, never on the full amount. And that will be
very attractive to our partners.
"There is still a lot of new campaign infrastructure that we are building out that will enable merchants to run more targeted campaigns
against their customer data."
OUR BUSINESS MODEL
11
12. 12
The mobile device has become our communications
hub, our diary, our entertainment portal, our primary
source of media consumption, our wallet and our
gateway to real-time information tailored to our
needs. The revolution is now!
13. Campaigns are targeted, trackable advertising units on the Hubbeez
platform that are designed to drive transactions. Campaigns are incredibly
powerful and account for the majority of Hubbeez’s revenue. Though all
campaigns are proven transaction drivers, each one is tailored to promote
a specific purchase behavior. Each campaign includes an offer, which is
usually money (or a product) to spend at the business. With a small offer
and intelligent targeting, Hubbeez can help businesses engage their
existing and potential customers more efficiently. Businesses can:
motivate non-customers to try their business, motivate existing
customers to come in on a slow, rainy day, even motivate lapsed
customers to return after months of inactivity. Hubbeez provides all of the
tools necessary to target, execute and track each campaign from end to
end.
Campaigns are totally optional. If businesses do chose to run one,
Hubbeez charges a small fee per naira redeemed via campaign. We’re so
confident in our campaigns, we’ve made them 100% pay-per-
performance. We only get paid when we add value.
Stop & Shop
1,783
Loyalty Credit
Collect stop & shop credit with each
Purchase. The more points you collect
The greater your reward.
Free Breakfast
100 points
10 Visits
300 points
Spend ₦9,000
1600 points
Refer 25 friends
From Facebook
2100 points
Claim
Now
Claim
Now
Claim
Now
Claim
Now
CAMPAIGN ON HUBBEEZ
13
14. Hubbeez considers itself an advertising company masked as a payment
company. Here's how it works.
On the consumer end, you download the app and activate your virtual prepaid
card one time. Hubbeez turns that card information into a scannable QR-code,
which will be acceptable by partnering stores. Rather than pulling out a credit
card to pay, a customer opens the Hubbeez app and places the QR code to the
scanner and the transaction is complete.
On the back end, Hubbeez assesses the expected frequency of usage from the
customer after each purchase. If they're an active user, it will likely wait 30 days
to see if the person returns to that same store and makes another purchase
before charging the card (merchant).
Hubbeez is able to offset the low transaction fee by monetizing on stores' repeat
business. Hubbeez allows merchants to run retargeting mobile campaigns to
people who have used its app to pay for a purchase. For example, when it's
raining, a store can ping a Hubbeez customer to invite them in. Or if it's lunch
time, they can offer a coupon to lure them back to the store.
Two more visits to unlock 2,300 credit
Stop & Shop
Loyalty Credit
Until 26th September
Pay with Hubbeez at any Greenwich
Café and get 50% off all food
(except sweet ).
50% off food with Hubbeez
Valid in the next 12 days
25% off Lunch when you
Spend ₦500 today
14
15. Smartphones have allowed more services to be added around the payment experience.
Traditional plastic cards can provide only two pieces of information, the purchase is either
approved or denied. Mobile devices, on the other hand, can track loyalty points, help the
consumer locate the correct product in store, allow consumers to compare prices across
retailers or receive discounts on the spot. Above all, mobile devices have the ability to help
consumers make more informed decisions and ultimately strengthen their relationship with
brands.
• Geolocation discounts
• Mobile couponing
• Comparison shopping
• Faster transactions
• Access account balances
• Product research
• Emailed receipts
• Loyalty programmes
THE HUBBEEZ TECHNOLOGY
WHAT TECHNOLOGY WILL BE ENABLED FOR THE END-CONSUMER
15
16. Hubbez’s technology team, led by DOT SQUARE LLC, a partnering mobile
development company in The UK, USA, India, Australia and New Zealand with over
300+ engineers and designers that have developed a scalable, powerful, low cost
payment infrastructure in mobile application.
16
17. We pride ourselves in the display of various technology to deliver the future of payment and
loyalty seamlessly including the QR code generating and scanning technology, a virtual
prepaid rewards card, and an interface that creates the most amazing design of everything.
The mobile application will cut across all major mobile devices and operating systems
platform.
The minimum requirement of any mobile hardware devices that can accommodate the
hubbeez application will supports at least:
Connection
• GPRS Up to 85.6 kbps
• EDGE Up to 236.8 kbps
• HSPDA Up to 7.2 mbps
• HSUPA Up to 5.6 mbps
• WIFI Yes
• Bluetooth Yes
• GPS with A-GPS support
• USB microUSB v2.0
Camera
• 3 MP, up to 2048 x 1536
pixels
Memory, OS and Processor
• micro SD, up to 32 GB
• Internal memory 64 MB
• OS: Android 2.3, IOS4, windows
phone 7 , blackberry OS 5
• CPU: 800 MHz Single-core
• RAM: 512MB versions
17
19. THE HUBBEEZ QR CODE TECHNOLOGY
A QR code (quick response code) is a type of 2D bar code that is used
to provide easy access to information through a smartphone.
The Hubbeez QR code have a lot of differences from the
normal barcodes that you notice in stores on items. They
can hold so much more information that the traditional
ones are able to hold. Not only that, but you can put a lot of
other types of data right into the codes as well. Nothing
could be as good as this.
19
21. The hubbeez QR code is unique for every device for every transaction
either through the mobile for in-store offline payments or online
through the pc on websites. A QR generator embedded securely
within the Hubbeez application generates QR codes for transactions
and display them at the merchant checkout to scan through their
Hubbeez QR reader.
21
22. HOW DOES IT WORK
When James makes a transaction a number of interesting things happens:
James application will generate a QR code at the end of this transaction. He fires up the
hubbeez application that is tied to a unique device account number, user ID number that
contains his mobile number, visits a store on the app or taps on a deal or promotion and
A merchant ID that is unique to the store and store location ID will be added up the long
line of numbers and James picks a product or service that has a product ID/service ID
number, on quantity a number will be added as James picks a quantity and the product
price with a currency code . Moving to checkout on the hubbeez application the linked
rewards prepaid card token number will be generated, campaign code and visit number
and reward ID if applicable to the transaction will be added with date in the DDMMYY
format and time of transaction in the HHMMSS format.
These are the criteria that enables the Hubbeez application to generate a QR code to
enable offline/online mobile payment transactions. 22
25. Pay with Hubbeez app
Choose your payment method
Scan the Hubbeez QR code
Open the Hubbeez App
Pay with Credit or Debit card
Only if you have the app on your
device
Scan the QR code with your
Hubbeez application and pay
through your device
MasterCard
Yes, continue my payment
Cardholder’s Name*
Card Number*
Expiry Date (MM/YYYY)*
* Mandatory field
PAY THROUGH YOUR HUBBEEZ APP ON AN E-COMMERCE SITE
25
26. SCAN QR CODE FROM A VIRTUAL STORE AND PAY WITH HUBBEEZ
26
27. “Within five years, half of today’s smartphone users will be
using their phones and mobile wallets as their preferred
method for payments.”
– Peter Olynick
27
29. The hubbeez prepaid Cards work just like a "pay-as-you-go"
mobile phone. They can be topped up with any Naira Debit Card
online and also with cash at any Hub-PayPoint location or Bank
Branch. You can even have your employer pay your monthly
salary onto the card.
Hubbeez Application will be powered by a MasterCard-Bank
issued prepaid reward card securely provisioned on the mobile
device. This card after activation will be converted to a scanable
QR code to enable payments in-stores and online.
THE HUBBEEZ PREPAID PAYMENT TECHNOLOGY
29
31. Because the VIRTUAL REWARDS OR LOYALTY Card is a prepaid card,
this encourages you to only spend what you have loaded on to the
card. When you make a purchase with the card, the purchase amount
is deducted from the card balance. When you have spent your money,
you need to top it up again before you can use it.
You can view your balance and transaction history online 24 hours a
day and even receive the current balance via SMS for FREE.
31
32. With a Hubbeez Prepaid MasterCard you can enjoy all the benefits of a MasterCard
card with no credit check, no interest payments and no surprises. Your Hubbeez Card
makes it easy to pay for whatever you want. Use it for everyday purchases wherever
the “Pay with Hubbeez” Mark is displayed:
•Thousands of ATMs across Nigerian banks
•Shop on the internet
•Make flight or train reservations
•Overseas transactions
•Buy groceries & petrol
•Share money with friends and family
•Top up your mobile phone
IT’S ACCEPTED
32
33. The Hubbeez prepaid card is a alternative to carrying cash as it is protected
by a secured element in cloud called the host card emulator (HCE). When
cash is lost, it is gone forever. However, if your Mobile phone is ever lost or
stolen, you can block your account on that device immediately and transfer
account to another device within 24 to 48 hours. Nevertheless you should
look after your mobile phone with the same care as you do your cash, never
reveal your PIN to anyone else and immediately tell us if you think that your
card is lost or stolen to avoid any loss of the funds on your card.
IT’S SAFE
33
34. The Hubbeez card is ideal for:
•People who don't want to go over their budget or limit their spending
•People who don't want to use their credit card for internet purchases
•Parents wishing to support their children at university in a controlled and
budgeted way
•People who regularly send money home to friends or family
•People with damaged or no credit history
•Foreign nationals that may have difficulty opening a Nigerian bank account
IT’S EASY TO GET
34
35. For people who want to control and budget their spending
You set the spending limits by the prepaid amount loaded on your card. You also can log on the hubbeez app or to the
web site to review your spending. Your Hubbeez Card makes it easy to get your spending under control and shop
wisely.
For people who want to shop or purchase online
The popularity of the Internet makes it difficult to use cash for transactions like booking a flight or bus ticket, reserving
a cinema seat, and buying products online. The Hubbeez Card allows you to access all these things in the knowledge
that your transactions are safe and secure.
For people who regularly share money with friends or family
You can use your Hubbeez Card to share money with people who live at home. Just order a secondary card, and then
post this to your family member or friend. Then you can share your money with them. They will be able to spend using
the card or make cash withdrawals from ATMs in their home country. Sharing money within one transaction will cost
£1.50, regardless of the amount.*
* There is a maximum balance of £3500 and you may not send cards to India for money share due to local regulation.
For people with damaged or no credit history
Getting a spending card has never been easier than with the Hubbeez Card. Provided you are at least 18 and a Nigerian
resident, your approval is 100% guaranteed once you meet the minimum identification requirements. There will be no
credit checks or employment verification. You don’t even need a bank account!
For foreign nationals
Getting a bank account in the country can be very difficult if you are a foreign national residing or working in the
Nigeria. No credit reference is required for a Hubbeez Card however so providing you can provide proof of ID and
address, we can activate your hubbeez application with a card in almost all cases. 35
37. To load your card
via Naira debit
MasterCard
To use a
Hubbeez
Paypoint outlet,
To use a Post
Office Branch to
load your card
load money on to
your card from a
bank account,
TOPPING UP YOUR HUBBEEZ CARD COULDN’T BE EASIER
37
38. LOAD YOUR CARD VIA NAIRA DEBIT MASTERCARD
Simply open up your Hubbeez application to the main menu, tap on fund Hubbeez card and follow the instructions. There is a fee to
load your card in this way, and there is a maximum amount per day. Only Nigerian issued debit cards may be used with this service. If
your bank authorizes the transaction, funds will be loaded to your prepaid card immediately. Your Naira debit MasterCard card must be
registered at the same address as your Hubbeez prepaid card.
POST OFFICE BRANCH TO LOAD YOUR CARD
Just display your Hubbeez prepaid card QR code for scanning from your hubbeez application to the Hubbeez terminal application. They
will then scan your QR code and ask how much you would like to load they will input the amount requested and the user will hand cash
over to them. There should be no charge to load the Hubbeez card in this way and funds are normally loaded onto your Hubbeez virtual
card immediately and a digital/email receipt will be sent to the user instantly for verification.
HUBBEEZ PAYPOINT OUTLET
Hand over cash and your card and they will be able to load it for you by scanning your Hubbeez virtual prepaid card QR code by the
Hubbeez Paypoint terminal. No charge applies to loading done in this way but funds are credited to your card immediately.
FROM A BANK ACCOUNT
You can also load money on to your Hubbeez virtual card from a bank account, using bank transfer. If you want to have your wages
paid regularly on to your virtual prepaid card, you will fill in a wage transfer request form and give it to your employer from our Hubbeez
site. Topping up like this is free.
38
39. AN ELEGANT INTERFACE THAT DOES EVERYTHING
Multi-panel interface is designed to be simple and elegant for the user, but also
delivers a variety of features for communication and interactivity.
39
41. We Drive greater conversion with personalized
promotions delivered to the right person, at the
right time, in the right place.
Targeted Marketing
Age | Gender | Location
Loyalty | Purchases | App activity
Campaign response
Mobile shopping
Targeted promotions
Loyalty programs
Gifting
Social loyalty
Receipts wallet
In-store conveniences
Push notifications
State-of-the-art loyalty features from a fully branded
mobile app
Hubbeez’s Loyalty Platform is packed with features
that will engage mobile users and deliver a
consistent, Omni-channel brand experience to
customers.
41
42. Generate more opportunities by putting your full product
catalog into a mobile storefront.
Deliver relevant, personalized marketing promotions that
encourage more shopping.
Deliver a complete mobile shopping experience, keeping
your store open for business 24 hours a day, everywhere.
HUBBEEZ MOBILE PRESENCE TO EXPAND COMMERCE
42
43. Powerful segmentation and geo-fencing
features, pulling customers into stores with
instant promotions that are immediately relevant
based on location and purchase history.
INCREASE FOOT TRAFFIC IN STORES
Incorporate geo-fencing to trigger promotions whenever customers enter or
leave a defined zone around your stores 43
44. Hubbeez Campaign Management System
provides a powerful control center to create,
launch, and manage promotions, messages,
and alerts
MONITOR THE SUCCESS OF PROMOTIONAL CAMPAIGNS
Comprehensive CMS tool lets you segment customers by age, gender,
purchase history, and social media info, then trigger targeted, promotions,
alerts, and offers and monitor the progress of your new campaign.
44
46. 2. Something you have
• Signed Device Certificate
• Access Token
• Public Encryption Key
1. Something you know
• Device Passcode
• App can be PIN protected!
3. Something you are
• Enterprise Biometrics
• Electronically Verifiable
• A factor outside the Phone
Hubbeez ensures that only the rightful owner of the payment badge may use it.
HUBBEEZ PROTECTS EVERY PAYMENT WITH
MULTI-FACTOR AUTHENTICATION
46
47. Geo-fencing
Restrict transaction
activity based on a
customer’s location.
Time-fencing
Dual authorization fencing
Limit the times at which Can
transactions can be initiated.
Bio-fencing
Accept higher risk
Transactions only after
a biometric check.
Dual authorization
fencing
Require joint account
holders to submit
simultaneous requests.
Within 500
feet of store
Mon. – Fri.,
9:00 AM to 5:30 PM
Voice print required
on-demand
Joint account
owner in different
locations
HUBBEEZ IMPROVES SECURITY BY MULTI-FENCING EVERY PAYMENT
We set powerful access controls and layer them in any combination to tailor security and convenience to the use case.
47
48. Adoption of mobile payments has long been paralyzed by a chicken-and-egg paradox –
merchants are hesitant to invest in mobile channels without assurance of consumer
adoption, and consumers cannot use platforms that merchants have not yet
implemented. But as brick-and-mortar retailers look for ways to combat showrooming
and compete with e- retailers, they may have an incentive to lead the drive towards
mass adoption of mobile payments. For offline retailers, mobile offers the opportunity to
enhance the consumer experience through targeted discounts and streamlined
purchasing, fostering the conversion of foot traffic into sales.
Retailers can no longer afford to exist outside of the digital realm, or they will be edged
out of business by retailers that successfully bridge the online and offline worlds.
Among the many lists of predictions for mobile commerce in 2014, there was one
common refrain: retailers will play an increasingly important role in spurring consumer
adoption of mobile payments. This Forbes list of payments and commerce predictions,
for example, suggests that a “small number of big-box retailers will likely lead the
charge” towards widespread mobile commerce.
IN CONCLUSION
48
49. Can retailer-led mobile commerce succeed where other solutions have failed?
Mobile wallets developed by technology providers, mobile operators or cross-
industry alliances have failed to gain traction among either merchants or
consumers. These solutions face the double-challenge of convincing both sides
of the transaction equation to adopt their service. Retailer-led solutions,
however, may hold the key to cracking the chicken-and-egg issue facing mobile
payments, as they already solve one side of problem: merchant adoption. Large
retailers further have the advantages of brand awareness and high transaction
volumes, as well as an incentive to capture consumer data and enhance the
consumer experience both in stores and online.
49
50. “The single most important thing to remember about any
enterprise is that there are no results inside its walls. The
result of a business is a satisfied customer.”
-Peter Drucker
50
52. At Hubtech, we believe the best results are achieved when we
work together. We are good colleagues; we work hard, support
each other, value our differences and strive for our mutual
success. We help each other succeed We are a team, sharing our
unique talents to help those with whom we work, live and serve.
The diverse thinking and decision making of our people
strengthens our team. We respect and value people with different
opinions, experiences and backgrounds. We strive to understand
the big picture, then do our part. We know that by working
together, we can produce better results than any of us can
achieve alone.
52
53. GEORGE ADEKUNLE HENRY
Team Executive/ Co-Founder
In 2008, became the CTO, Henad
Medical Centre, Nasarawa. And in 2011
became the CEO of a technology
startup company Novasdynamic Ltd.
Developing and designing e-learning
software for secondary schools in
Nasarawa state.
AJAYI OLUWASHINA JOSEPH
Team President/Co-Founder
Currently a technical director in ICT centre,
Nasarawa State University, Keffi since 2009
and the Chairman/CEO Esnestec-sol Ltd.
For 5 years now. A technology information
company in software development and
designs and database management for
local business services 53
