For example, if you go to a coffee shop A, which is listed with XYZ mobile wallet, you can pay for your coffee through the phone. Depending on the service provider, you can also pay through app, text message, social media account or website\ - PowerPoint PPT Presentation

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PPT – For example, if you go to a coffee shop A, which is listed with XYZ mobile wallet, you can pay for your coffee through the phone. Depending on the service provider, you can also pay through app, text message, social media account or website\ PowerPoint presentation | free to download - id: 856f96-MzRmN



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For example, if you go to a coffee shop A, which is listed with XYZ mobile wallet, you can pay for your coffee through the phone. Depending on the service provider, you can also pay through app, text message, social media account or website\

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... (Business Correspondent) for ... Retailers Joint Responsibilities Business Development On-Boarding of all franchisee and adding ... documents and activation fee ... – PowerPoint PPT presentation

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Title: For example, if you go to a coffee shop A, which is listed with XYZ mobile wallet, you can pay for your coffee through the phone. Depending on the service provider, you can also pay through app, text message, social media account or website\


1
What is Mobile Wallet
A mobile wallet is virtual wallet, where you
preload a certain amount in your account created
with the mobile wallet service provider, and
spend it at online and offline merchants.
For example, if you go to a coffee shop A, which
is listed with XYZ mobile wallet, you can pay for
your coffee through the phone. Depending on the
service provider, you can also pay through app,
text message, social media account or website\
2
Types of m-Wallet
3
BSNL SBI mObicash Mobile Wallet
  • MobiCash mobile Wallet is addressing the
    Government of India initiative of digitization.
  • Two most trusted brands (SBI BSNL) joined hands
    to bring out a unique product which fulfills the
    needs of masses.
  • MobiCash addresses the core issue of cash
    transaction / BANK BRANCHES and extends the reach
    of the banking system by using huge retail base
    of BSNL.
  • Focusing on Rural Mobicash allows Cash In Cash
    Out Features through the Retail Chain acting as
    an extension counters of Banks
  • Technology behind Mobicash is secured and user
    friendly.

4
MobiCash USP
  • Product of SBI BSNL two Govt. PSUS carry huge
    trust of Urban and Rural customer base
  • mObicash Mobile Wallet is the only Wallet today
    working on all the Access networks channels.
  • Web
  • SMS
  • USSD
  • Mobile App. Android/IOS
  • SBI-BSNL mObicash mobile wallet is only wallet in
    the country taking care of all the customers with
    Smart Basic Feature Phones.

5
Mobicash Stakeholders
  • State Bank Of India
  • Legal issuer of Mobile Wallet Mobicash
  • Custodian of all funds in Mobicash
  • All marketing activities by SBI
  • BSNL
  • Provides infrastructure space to host servers
  • BSNL as BC (Business Correspondent) for SBI
    Mobicash
  • Using BSNL Franchisee Retailer Network for
    Distribution of Mobicash
  • Triotech Solutions
  • Technology Partner provides hardware, Software
    technology of Mobicash
  • Scale up of the services features of Mobicash
    from time to time
  • Helps induction of SSA / Franchisee Retailers
    in the M-Wallet system
  • Provides Call center to help resolution of issues
    for BSNL/ Franchisee Retailers

6
Joint Responsibilities
  • Business Development
  • On-Boarding of all franchisee and adding more and
    more retailers
  • Monitor daily Transactions and evaluate circle
    performences
  • Roping in of billers and merchants
  • Adhere to various guidelines of RBI/ TRAI/ DoT
    and other Government Agencies

7
Login Credential Whitelisting Process
  •  
  • The Circle is required to nominated AO Cash and
    Franchisee Manager per SSA with their Contact
    details like Name, Mobile, Email Address and
    CCN/VPN IP. 
  • Then CCN/VPN IP will be white-listed by Triotech
    team on M-wallet server based at Chandigarh.
  • Triotech Team will create Login credentials for
    all the nominated officers on Mwallet server.
  • Post IP White-listing and Login Credential, the
    Circle will give access to M-wallet IP on their
    firewall.

8
Access to Services
  • Franchisee
  • Web Link https//bit.1y/2husfF1
  • Android App link. https//bit.1y/2hvPsqD
  • Retailer
  • Web Link https//bit.1y/2gKh4K0
  • Android Link https//bit.1y/2huvhZR
  • Customer
  • Android Link Play Store
  • IOS Link App Store

9
(No Transcript)
10
On Boarding of Retailers
  • Identify the Retailer in your territory.
  • Personal Details with the supporting documents of
    retailers
  • PAN Card (Optional)
  • Adhaar Card / DL/ Passport
  • Photo
  • Current work profile (Grocery Shop/Mobile
    Recharge Shop/Ticketing Centres/LCO/Photostat,
    Others)
  • Submit the Retailer form with supporting
    documents and activation fee to BSNL Franchisee
    Manager.
  • BSNL Franchisee Manager will onboard the retailer
    on mwallet platform.

11
Features of m-Wallet in Phase-1
  • Cash In
  • Cash Out
  • P2P
  • Retailer Initiated
  • Recharge BSNL
  • Pay BSNL Bill
  • Wallet to Wallet money transfer
  • Wallet to Bank Account money transfer

12
Features of m-Wallet in Phase-2
  • Utility Payment (i.e. Electricity, Water,
    Insurance Premium Payment
  • Merchant Payments(Bookmyshow, Cab services,
    IRCTC, Bus Booking)
  • Recharge Other Operators
  • Pay Other Operators post-paid/Broadband Bill
    Payment
  • Cash In using Mobile/Net Banking from SBI A/c or
    any other Account
  • DBT (Direct Benefit Transfer)
  • MGNREGA PAYMENT
  • Pension Payment/Scholarship

13
Advantages for Customers
  • Cash In To load his wallet, Customer dont need
    any
  • Debit card is not required
  • Credit Card is not required
  • Net Banking is not required
  • Cash-in can be done at BSNL Retailers 6 Lakhs
  • Cash Out Customer can cash-out his funds via
  • Any Bank a/c
  • 2. Cash-out can also be done at BSNL Retailers -
    6 lakhs
  • Unbanked Population
  • Customers with no bank account can use this
    product
  • Feature Phone
  • Customer with feature phone can also use the
    product
  • Customer will avail Government Social Benefits
    Scheme via this product like
  • DBT integration
  • MGNREGA integration
  • Government Pension
  • SBI banking transfer option
  • It allows customers to transfer directly in SBI
    Bank a/c without any IFSC code

14
Advantages for Retailers
  • Cash In
  • Retailer will earn commission on cash in
  • Cash Out
  • Retailer will also earn commission on cash out
  • Unbanked Population
  • Customers with no bank account can also use the
    product
  • Feature Phone/Poor Networked Areas
  • Customer with feature phone can also use the
    product in poorly connected area too.
  • Government Social Benefits Scheme will bring
    incremental business via
  • DBT Payment
  • MGNARE Payment
  • Government Pension Payment
  • Incremental Banking Remittance Business
  • BSNL customer will benefit from banking services
  • SBI Bank Transfer option where IFSC code is not
    required for customer

15
Expectation from BSNL
  • MobiCash Product Training Education to
    Franchisee, FOSs and CSPs like Features, Fees,
    Commission structure Benefits
  • Fast enrolment of Retailers as per Plan.
  • Maintaining decent level of Mobicash E-value for
    superior market service to CSPs
  • Monitoring mechanism at SSA Circle level
  • E- KYC readiness
  • Brief to Franchisee Retailers (Guidelines)

16
SBI A/c Number for Franchisee
  • For M-wallet Evalue Creation
  • BSNL M-wallet Centralized Account
  • Branch at Chandigarh
  • SBI A/C No 34997680421
  • IFSC Code SBIN0004703
  • For Retailer Enrolment fee to be deposited in
  • BSNL Retailer Management Account
  • Branch at Chandigarh
  • Sbi A/c No 34997788844
  • IFSC Code SBIN0004703

17
TARIFF/ COMMISSION FOR FRANCHISE RURAL
DISTRIBUTERS
TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY TARIFF/ COMMISSION CONFIDENTIAL SHEET ONLY FOR FRANCHISE ONLY
S. No. Category of Charges 1 1 1 1 1 2 2 2 2 2 3 3 3 3
S. No. Category of Charges Customer Charges Customer Charges Customer Charges Customer Charges Customer Charges Payment to Franchise by BC (25) Payment to Franchise by BC (25) Payment to Franchise by BC (25) Payment to Franchise by BC (25) Payment to Franchise by BC (25) Payment to Retailer by BC (75) Payment to Retailer by BC (75) Payment to Retailer by BC (75) Payment to Retailer by BC (75)
S. No. Category of Charges Rate () Min. (Rs.) Min. (Rs.) Max. (Rs.) Max. (Rs.) Rate () Min. (Rs.) Min. (Rs.) Max(Rs.) Max(Rs.) Rate () Min. (Rs.) Min. (Rs.) Max(Rs.)
                               
RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED RETAILER ASSISTED
1 Wallet Account opening Charges (Full KYC/E-KYC) Rs 20 Rs 20 Rs 20 Rs 20 Rs 20 Rs 4.5 Rs 4.5 Rs 4.5 Rs 4.5 Rs 4.5 Rs 10.5 Rs 10.5 Rs 10.5 Rs 10.5
2 Cash In assisted by Retailer 0.50 Rs 5 Rs 5 Rs 20 Rs 20 0.075 Rs 0.75 Rs 0.75 Rs 3.00 Rs 3.00 0.225 Rs 2.25 Rs 2.25 Rs 9.00
3 Cash out at Retailer 2.50 Rs 10 Rs 10 Rs 50 Rs 50 0.375 Rs 1.50 Rs 1.50 Rs 7.5 Rs 7.5 1.125 Rs 4.5 Rs 4.5 Rs 22.5
4 P2P (Wallet to Wallet) assisted by Retailer 3 Rs 12 Rs 12 Rs 120 Rs 120 0.450 RS 1.8 RS 1.8 Rs18 Rs18 1.350 Rs 5.4 Rs 5.4 Rs 54
5 P2P (Wallet to SBI A/cs) assisted by Retailer 3 Rs 12 Rs 12 Rs 120 Rs 120 0.450 Rs 1.8 Rs 1.8 Rs 18 Rs 18 1.350 Rs 5.4 Rs 5.4 Rs 54
6 P2P (Wallet to other Banks A/cs) assisted by Retailer 3 Rs 12 Rs 12 Rs 120 Rs 120 0.450 RS 1.8 RS 1.8 Rs 18 Rs 18 1.350 Rs 5.4 Rs 5.4 Rs 54
                               
                               
RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED RETAILER INITIATED
Customer Charges Customer Charges Customer Charges Customer Charges Customer Charges Franchisee Commission Franchisee Commission Franchisee Commission Franchisee Commission Franchisee Commission Retailer Commission Retailer Commission Retailer Commission Retailer Commission
2 Retailer Initiated-BSNL Topup Nil Nil Nil Nil Nil 1.375 1.375 1.375 1.375 1.375 4.125 4.125 4.125 4.125
3 Retailer Initiated-BSNL Post Bill payment Nil Nil Nil Nil Nil 0.50 0.50 0.50 0.50 0.50 1.50 1.50 1.50 1.50
4 Retailer Initiated-BSNL Landline/Broadband Bill payment Rs 10 Rs 10 Rs 10 Rs 10 Rs 10 Rs 2 Rs 2 Rs 2 Rs 2 Rs 2 Rs 6 Rs 6 Rs 6 Rs 6
For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070
For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070 For KYC ,Profit sharing of Franchise and Retailers will be in ratio of 3070
18
Thank You
Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry Please find below the Name, Contact and Email id details of Triotech Circle team for any enquiry

Circle Name Profile Mobile Email ID
Punjab Vishal Ambardar TSM 8427694532 vishal_at_triotech.co.in
Haryana Sanjay Pandita TSM 9876263190 sanjay.pandita_at_triotech.co.in
Rajasthan Vineet Kumar Tak TSM 9414668997 vineet.kumar_at_triotech.co.in
Bihar Rohit Singh TSM 8407000270 rohit.kumar_at_triotech.co.in
All Circle Ankur Adukia BDM 9599773888 ankur.adukia_at_triotech.co.in

And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124 And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124 And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124 And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124 And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124 And Call Centre number for SSA, Franchisee and Retailer is 0124-2450124
Ankur Adukia 9599773888 ankur.adukia_at_triotech.
co.in
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