HOW YOU CAN PROFIT FROM THE COMING, IMMINENT AND INEVITABLE TELECOM REVOLUTION, THAT WILL FACE OUT PAPER RECHARGED CARD BUSINESS.

There is a Telecom revolution that is taking place in Nigeria. You know it, but you do not know it, until it is revealed to you. If I may ask, have you heard about the new CBN Cashless Economy policy? Have you heard about Mobile money? Have you heard about Agent Banking? Have you heard about the Pocketmoni mobile money e-wallet product powered by Etranzact International PLC?

BEING ALERT OF THE HAPPENINGS IN OUR BUSINESS MARKET IS GOOD BUSINESS.

What do you think about the above facts. What could you deduce from these things? What can you foresee in the nearest future about these things? Maybe, you think they are one of those things. I would like you to know that all of these stuffs affect you and your business directly, and these systems are all presently working perfectly well in Nigeria. they constitute the telecom revolution which is the MOBILE MONEY REVOLUTION. And I will show you how this revolution will face out the paper recharged card business, and how you could re-position your business and profit from the revolution. Let us take them one by one. Please, come with me.

THE NEW CBN CASHLESS ECONOMY POLICY:

Nigeria is predominantly a cash-based society with over N1trn currently outside the formal banking system as at February 2011. The use of cash in transactions has however impacted the economy negatively particularly as it relates to the cost of cash management to the banking industry, security, and money laundering amongst other things.

In view of this, the Central Bank of Nigeria (CBN) commenced a cashless initiative in Lagos in 2012. CBN went further to extended the cashless drive to six more states namely Federal Capital Territory (Abuja), Abia, Anambra, Kano, Ogun and Rivers States effective October 1, 2013. And has recently announced that the whole country, Nigeria will go cashless, effective June, 2014.

To support the implementation of the cashless policy, the CBN has instituted several e-Payment initiatives. These include:

• Plans to massively deploy Point of Sales (POS) Terminals
• Licensing of Mobile Payment Operators ( mobile money)

The later initiative has given birth to the mobile money market/industry, and further energized the mobile banking industry.

ABOUT MOBILE MONEY:

With Mobile Money, it is possible that you can now,

·         Open an e-wallet account on your mobile phone (mobile phone account), simply by sending a text message to a short code from your phone. No bank account required to open this account.

·         Then, lodge in even all your money into the mobile phone e wallet account

·         And you can withdraw cash or spend from the money in the mobile phone account, ANYTIME, ANYWHERE.

This means that you can now:

·         carry even all your money electronically on your mobile phone and you could withdraw cash and also spend from your mobile phone.

·         Carry out your banking transactions, business transactions, pay for goods and services using your mobile phone

From the money in your mobile phone e wallet account, you could now use your mobile phone to:

·         buy recharge card for yourself or third party

·          send money to any bank account in Nigeria

·         receive money

·          pay bills like dstv, startimes, etc.

·         ALL USING YOUR MOBILE PHONE.

·         Above all, individuals, companies, organizations, business merchants, micro finance/mortgage banks can become mobile money agents and earn extra free steady flow of income monthly, just using the mobile phone as the business tool.

And mobile money business market is the latest, lucrative, emerging, booming and next oil well business in Nigeria. Hence, mobile money has given birth to Pocketmoni, a mobile money product, powered by eTranzact International PLC.

( Sorry, the next concept, Pocketmoni, is a bit lengthy. I wish I could help. Kindly take pains and come with me. We are getting there.)

ABOUT POCKETMONI

POCKETMONI: your money anytime, anywhere.

Pocketmoni is the most robust and rewarding mobile money product in Nigeria, powered by Etranzact International PLC.

 Pocketmoni is a mobile phone application, mobile phone e-wallet account that enables you to load and carry even all your money on your mobile phone, and you can withdraw cash anytime, anywhere.

ACTIVATION OR OPENING OF POCKETMONI ACCOUNT ON MOBILE PHONE

Pocketmoni is a mobile phone e-wallet account different from your normal airtime account. It is activated on your mobile phone, any mobile phone, simply by TEXTING:

REG space FIRSTNAME space LASTNAME space 003363

e.g

REG PETER AKPAN 003363

And sending to 20220, for all networks.

Immediately, a congratulatory sms will be sent to you detailing your DEFAULT PIN, and the Pocketmoni download link. Dial *389# and do CHANGE  PIN to activate your account. To access Pocketmoni menu, dial *389# OR  CLICK the link sent to you in the sms reply, on registration, to DOWNLOAD Pocketmoni application to your phone.

Then, follow the instructions to setup your Pocketmoni account. NOTE: DEFAULT PIN in the application is your NEW PIN changed to, using *389# above.

Afterwhich, you contact a Pocketmoni Agent (contact us) to fund your Pocketmoni account. And you can use this money so lodged in your Pocketmoni account to:

• ·         Buy recharge card for yourself/third party, from your mobile phone, anytime, anywhere, INSTANTLY. You could buy recharge card for as low as N50 and above and get upto 5% bonus on all networks. You no longer need to go out there to buy and scratch recharge card. That time is past. The recharge amount is debited from the money loaded on your Pocketmoni account and your phone or beneficiary’s phone recharged INSTANTLY, anytime, anywhere. Even at midnight.

• ·         You can also send money to a fellow Pocketmoni user account. This means you could send and receive money from mobile phone to mobile phone, without bank account.

• ·         You also have the convenience to send money to any bank account in Nigeria, from your mobile phone. Your Pocketmoni account is debited and the beneficiary bank account credited INSTANTLY, anytime, anywhere. You no longer need to take the risk, pay your way to the banking hall, queue up to do cash deposit or transfers into bank account.

• ·         If you can send money from your mobile phone to any Pocketmoni user or to any bank account in Nigeria, it simply means that, with Pocketmoni, you could pay your TITHE, OFFERINGS, DONATIONS, CONTRIBUTIONS, SCHOOL FEES, DUES, PAY for goods and services etc from your mobile phone. All you do is simply send the money to the respective church, school, company/seller’s bank account or Pocketmoni account, from your mobile phone.

• ·         Similarly, you can receive money from a fellow Pocketmoni user, on your phone. This means that, if you are a business man, church, school, you can respectively receive payment for your goods and services on mobile phone. You can receive TITHE, OFFERINGS, DONATIONS, CONTRIBUTIONS, SCHOOL FEES, DUES – on mobile phone, as the case may be. Your customers, members of the congregation, students will simply and conveniently pay from their mobile phone into your bank account or your institution Pocketmoni account.

• Members of the congregation can even pay offering, tithe etc FROM HOME, anywhere, even though they are not in church service!

• ·         That is not all. With your Pocketmoni e-wallet account, you also have the convenience to pay your bills from your mobile phone, anytime, anywhere. Bills like DSTV, STARETIMES, GOTV, HITV, MYTV, TREND TV, PHCN (post paid and prepaid). SWIFT subscription, pay for air ticket. You no longer need to pay your way to the bank or service provider office to pay bills. Again, with Pocketmoni, that time, that stress is in the past.

• ·         You can now receive your moneygram/western union money transfers on your mobile phone

·         ALL USING THE MOBILE PHONE. Pocketmoni works on any kind of mobile phone – be it internet enabled or not.

·         You could also become a Pocketmoni agent and earn steady flow of extra income monthly, using your mobile phone. Contact us.

POCKETMONI PAY OUTLET:

·         How do I get my money out from my Pocketmoni account? You may ask. You could withdraw your money loaded on your mobile phone/Pocketmoni account (cash) using the following channels:

ü  via A POCKETMONI AGENT NEAREST TO YOU. Contact us

ü  USING THE POCKETMONI ATM DEBIT CARD

ü  BY SENDING THE MONEY TO YOUR BANK ACCOUNT, and using your Bank ATM card to withdraw.

ü  WITHDRAW FROM A FELLOW POCKETMONI USER: Simply send the money to a fellow Pocketmoni user who has cash to pay you

Again, with Pocketmoni, you can now carry out your banking transactions, business transactions, pay for goods and services using your mobile phone, FROM THE COMFORT OF YOUR ROOM, OFFICE, ON THE GO, ANYWHERE, ANYTIME, 24/7, EVEN AT MIDNIGHT.

In summary, this is what you can now do with your mobile phone, via Pocketmoni

Ø  You can now carry even all your money on your mobile phone and you can withdraw cash ANYTIME, ANYWHERE!

Ø  Send money to any bank account in Nigeria

Ø  Send money to any mobile phone

Ø  Receive local money transfer

Ø  Receive  moneygram

Ø  Receive western union

Ø  Receive salary

Ø  Buy recharge card for self/third party - N50 and above - get upto 5% bonus – all networks

Ø  Pay bills – dstv, startimes, Gotv, hitv, mytv, trend tv, phcn, swift, air ticket

Ø  pay for goods and services

Ø  pay tithe, offering, school fees

ALL FROM YOUR MOBILE PHONE

Ø  Become an agent and earn money – extra income

Ø 

 POCKETMONI  IS SECURED, SAFE, CONVENIENT AND COST EFFECTIVE

SECURITY:

The eTranzact PocketMoni solution is a multi network capable mobile commerce application capable of interfacing seamlessly with third party payment schemes. The solution in line with international standards, is secured with encryption technology and requires a PIN for every transaction. eTranzact mCommerce messages are also secured using 3DES encryption technology.

POCKETMONI IS SAFE, SECURED, CONVENIENT, EASY AND COST EFFECTIVE. Your mobile phone is now your mobile bank. And your phone number is your Pocketmoni account number.

. If you LOVE CONVENIENCE, YOU WOULD LOVE POCKETMONI

Now, that is about Pocketmoni, what Pocketmoni can do and it is working perfectly well. Let us continue to the next concept.

ABOUT AGENT BANKING:

Agent banking is the new and latest banking model predicated on mobile money that now enables individuals, companies, organizations, micro finance/mortgage banks,  to provide banking services to the public from their chosen locations, un behalf of the licensed commercial banks in Nigeria, using the mobile phone. And with the Etranzact Pocketmoni Agent Banking system, individuals, companies, organizations, micro-finance/mortgage banks, supermarkets, petrol filling stations, restaurants, hotels, schools, church, shops, marketmen/women, parks, pharmacies, campus business centers, NYSC camp business centers, Government secretariat business centers, etc all can now render the following banking services to the public and earn steady flow of extra income, using the mobile phone.

Ø  CASH DEPOSIT INTO ANY BANK ACCOUNT IN NIGERIA.

Ø  CASH WITHDRAWAL FROM BANK ACCOUNT LINKED TO POCKETMONI ACCOUNT

Ø  FUNDS TRANSFER INTO ANY BANK ACCOUNT IN NIGERIA.

Ø  FUNDING POCKETMONI MOBILE PHONE ACCOUNT

Ø  CASH WITHDRAWAL FROM POCKETMONI ACCOUNT

Ø  POCKETMONI ATM DEBIT CARD – SALES/ISSUANCE

Ø  BILLS PAYMENT: DSTV, STARTIMES, GoTv, MYTV, HITV, TREND TV, PHCN, SWIFT, AIR TICKET.

Ø  WESTERN UNION SERVICES

Ø  MONEYGRAM SERVICES

Ø  TOPUP – ELECTRONIC PHONE RECHARGE

Ø  MOBILE PHONE AIRTIME VENDING ( selling recharged cards using the mobile phone – ALL NETWORK)

Ø  POS AIRTIME VENDING – (selling recharged cards using the mobile phone – ALL NETWORK)

Ø  ALL TRANZACTIONS COST N100

 
ALL TRANSACTIONS ARE INSTANT, powered by the Etranzact Pocketmoni service.

Yes, we are gradually getting closer to the point. Please, let me add this before I hit the main point. The above fact about Agent Banking is a clear case of relocating banking from the traditional banking hall to individuals’ shops, companies, organizations, micro-finance/mortgage banks, supermarkets, petrol filling stations, restaurants, hotels, schools, church, shops, marketmen/women shops, parks, pharmacies, campus business centers, NYSC camp business centers, Government secretariat business centers, etc.

At this juncture, you would agree with me that, with this Mobile Money Revolution, members of the public can now work into any of the above locations nearest to them to carry out the above banking transactions.

Also note the last three items above, shown below:

Ø  TOPUP – ELECTRONIC PHONE RECHARGE

Ø  MOBILE PHONE AIRTIME VENDING ( selling recharged cards using the mobile phone – ALL NETWORK)

Ø  POS AIRTIME VENDING – (selling recharged cards using the mobile phone – ALL NETWORK)

This implies that with Pocketmoni Mobile Money, you can now sell recharged cards of all networks, all denominations, using the mobile phone or the Point Of Sales – POS machine. And the beauty of this new electronic recharge system is that it is more profitable than the paper recharged card business. Your paper cost, printing cost have automatically become your profit. Also, your losses associated with paper recharged cards business, such as theft, fire hazard, incorrect PIN etc have been eliminated. And you can sell recharged card from N50 and above. And this is a system/business that is already working perfectly well now. 

NOW THE BIG QUESTION FOR YOU TO ANSWER.

(1)    If I can conveniently stay in the comfort of my room, office and buy any amount of any network recharged card, using my mobile phone, via Pocketmoni, ANYTIME, ANYWHERE, why should I go out to buy the paper recharged card?

(2)    If I could more conveniently use my mobile phone and sell any amount of recharged cards of all networks and make more profits than I do with the paper recharged card, why should I contimue with paper recharged card, coupled with the attendant risks associated with it, like losses due to theft, fire hazard, incorrect PIN, etc?

Now, guess what will happen. THE PAPER RECHARGED CARD BUSINESS WILL BE FACED OUT BY THE NEW ELECTRONIC RECHARGE SYSTEM REVOLUTION

Recall that when telecommunication revolution first came to Nigeria, the road-side phone-call business first sprang up. Then, the paper recharged card revolution came and the road side phone call business vanished for the paper recharged card business.

Today, the electronic recharge revolution has come. And the paper recharged card business is varnishing. It is on this note that we wish to introduce you to the new electronic recharge business, and to the Mobile Money Business Market, at large.

HOW YOU CAN PROFIT FROM THE COMING TELECOM REVOLUTION THAT WILL FACE OUT PAPER RECHARGED CARD BUSINESS (THE MOBILE MONEY REVOLUTION)

Indeed, the way you could profit from the Mobile Money Revolution is to reposition and key into the mobile money market by registering as a Pocketmoni Mobile Money Agent and lunch fully into this new, lucrative Mobile Money Business Market. It is the next ‘’oil well boom’’ business in Nigeria. Contact us.

We have already done the bulk of the work. From our experience, we have sat down to put down in pen and paper the in and out of the mobile money business market. We have developed a start-to-finish, all-in-all Pocketmoni Mobile Money Business Master Plan. If you are interested, kindly contact us. Below is the vast, enormous, juicy and lucrative opportunity Pocketmoni Mobile Money Business offers.

THE ETRANZACT POCKETMONI MOBILE MONEY BUSINESS INCOME OPPORTUNITIES FOR YOU/POCKETMONI AGENTS, FOR ALL.

The following are what the Pocketmoni Mobile Money Business Market offers you/Pocketmoni Agents. This is the beauty of the coming Mobile Money Revolution.

REWARD 1: ACTIVATION OF POCKETMONI USERS

Etranzact charges every Pocketmoni user N250 - monthly service maintenance fee. Pocketmoni Agents earn 25% of the N250 = N62.50 monthly, for each ACTIVE Pocketmoni user activated by the Pocketmoni agent.

EXPECTED EARNING:

10,000 ACTIVE Pocketmoni users generates N62.50 * 10,000 = N625,000 every month, so long as the Pocketmoni users are ACTIVE and using Pocketmoni, which they will do because of the convenience, and Pocketmoni will be the in thing in the nearest future.

REWARD 2: RECRUITMENT OF NEW POCKETMONI AGENTS

Pocketmoni Agents can also recruit new Pocketmoni Agents. Agent receives N2,000 incentive per new Pocketmoni Agent recruited by the agent. For example, 2,000 new agents would yield N2,000 * 2,000 = N4,000,000.00, for the agent.

ABOUT ETRANZACT POCKETMONI CORPORATE PAY SYSTEM

Etranzact has a product called the Etranzact Pocketmoni Corporate Pay system. Pocketmoni Corporate pay system allows organizations, church, universities, schools, government, companies, business merchants to receive their respective payments such as offerings, tithe, school fees, tax, payment for goods and services DIRECT into their bank account, via the mobile phone, and also pay staff salaries, vendors, contractors, with a click of the mouse, from the comfort of the office.

CHURCH/MOSQUE  CAN NOW RECEIVE TITHE, OFFERINGS, CONTRIBUTIONS, DONATIONS FROM MEMBERS, DIRECT INTO THE CHURCH/MOSQUE BANK ACCOUNT, VIA THE MOBILE PHONE, AND GENERATE ADDITIONAL INCOME MONTHLY in naira – 6,250% of the total number of church/mosque members. CHURCH/MOSQUE MEMBERS CAN NOW PAY TITHE, OFFERINGS DIRECT INTO THE CHURCH/MOSQUE ACCOUNT, USING THEIR MOBILE PHONE THROUGH OUR SYSTEM

SCHOOLS CAN NOW USE OUR SYSTEM TO RECEIVE SCHOOL FEES, DUES, HOSTEL ACCOMMODATION FEE FROM STUDENTS, DIRECT INTO THE SCHOOL BANK ACCOUNT, VIA THE MOBILE PHONE, AND GENERATE EXTRA INCOME MONTHLY in naira -  6,250% of the total number of students in school. STUDENTS/GUARDIANS CAN NOW PAY SCHOOL FEES DIRECT INTO THE SCHOOL ACCOUNT USING THEIR MOBILE PHONE THROUGH POCKETMONI.

BUSINESS MERCHANTS

CAN NOW USE OUR SYSTEM TO RECEIVE PAYMENTS FOR THEIR GOODS AND SERVICES FROM CUSTOMERS, DIRECT INTO THEIR BANK ACCOUNT, VIA THE MOBILE PHONE, AND EARN EXTRA INCOME MONTHLY in naira – 6,250% of total number of merchant customers. CUSTOMERS CAN NOW BUY AND PAY DIRECT INTO THE MERCHANT ACCOUNT, USING THEIR MOBILE PHONE THROUGH POCKETMONI

COMPANIES/GOVERNMENT

Can now pay staff salaries, vendors, contractors with a click of the mouse, from the comfort of the office.

GOVERNMENT:

Can now receive tax and other revenues DIRECT into government revenue account, via the mobile phone.

EXPECTED EARNING:

The beautiful thing is that the Etranzact Pocketmoni Corporate pay system also provides the unique opportunity for the organizations, the church members, students and staff alike to generate steady flow of extra income, monthly. The agent signing up any organization on Pocketmoni corporate system earns 40% of what the organization generates as in come from the system.  

For example, if the organization earns N625,000 monthly. The agent earns 40% of N625,000 = N250,000 monthly.

REWARD 3: PROVIDING OF POCKETMONI AGENT BANKING SERVICES TO THE PUBLIC AT A FLAT FEE OF N100 PER TRANSACTION

Pocketmoni agents earn 45% of the N100/transaction, providing the agent banking services below.  But currently agents are earning 100% of the N100 .

ABOUT AGENT BANKING:

Agent banking is the new and latest banking model that now enables individuals, companies, organizations, micro finance/mortgage banks to provide mini-banking services to the public from their chosen locations, un behalf of the licensed commercial banks in Nigeria, using the mobile phone. And this is made possible by the etranzact Pocketmoni application activated on mobile phone.

The following are the agent banking services the Pocketmoni agents would provide to the public at a flat fee of N100 per transaction, using the mobile phone:

Ø  CASH DEPOSIT INTO ANY BANK ACCOUNT IN NIGERIA.

Ø  CASH WITHDRAWAL FROM BANK ACCOUNT LINKED TO POCKETMONI ACCOUNT

Ø  FUNDS TRANSFER INTO ANY BANK ACCOUNT IN NIGERIA.

Ø  FUNDING POCKETMONI MOBILE PHONE ACCOUNT

Ø  CASH WITHDRAWAL FROM POCKETMONI ACCOUNT

Ø  POCKETMONI ATM DEBIT CARD – SALES/ISSUANCE

Ø  BILLS PAYMENT: DSTV, STARTIMES, GoTv, MYTV, HITV, TREND TV, PHCN, SWIFT, AIR TICKET.

Ø  WESTERN UNION SERVICES

Ø  MONEYGRAM SERVICES

Ø  TOPUP – ELECTRONIC PHONE RECHARGE

Ø  MOBILE PHONE AIRTIME VENDING ( selling recharged cards using the mobile phone)

Ø  POS AIRTIME VENDING - ALL NETWORKS

Ø  ALL TRANZACTIONS COST N100

ALL TRANSACTIONS ARE INSTANT, powered by the Etranzact Pocketmoni service

This implies that members of the public could now work into any of our Pocketmoni agent locations nearest to them to carry out the above banking transactions.

EXPECTED EARNING:

1,000 transactions a month would yield 1,000 * N100 = N100,000/month. Then, ten Agent Bank branches you have would yield N100,000 * 10 = N1million monthly

REWARD 5: POCKETMONI MOBILE PHONE/POS AIRTIME VENDING ( selling recharged cards of all network, using the mobile phone or POS Machine.)

This is the new, latest, more lucrative, more profitable, and economical way of selling recharged cards electronically, using the mobile phone or Point Of Sales (POS) Machine.

EXPECTED EARNING:

About N1million a month for the average small business dealer, who has 10 locations.

So much more.

We have developed working strategies that can produce the above expected income and more in our Pocketmoni Business Master Plan. If you are interested, kindly contact us.

CONCLUSION:

This is our humble contribution to the growth of your business. Infact, this information is for all.

If you know anyone interested, do not hesitate to contact us. Thank you.