lOMoARcPSD|20632310
Zero Pay Pitch Deck
Business Administration (University of Madras)
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lOMoARcPSD|20632310
WELCOME TO
ZEROPAY
[Link]
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lOMoARcPSD|20632310
Shop Now.
Zeropay Later.
[Link]
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lOMoARcPSD|20632310
Success Story
Thanks to globalisation, India has become very aspirational
Millennials & GenZ are more exposed
Aspirations of a 25 year old in India and America are similar
Today’s generation is more consumptional
Thus, the success story adds up for Zeropay
Launched as an MVP on Android Platform, for Bengaluru.
Growing Strong
150k+ 75% 30% 300+ 4
Current App Installs Repeat Users Organic Users Top Brands Affiliated NBFC
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Problem Statement
Lack of good quality capital to fulfill their needs.
Cost of capital is delivered in a fractured manner.
Current market pain points
High interest rates
% upward of 36% interest
High late payment fees
charged by all companies
Lack of trust
between the user & the company
Only finite stores
for shopping
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Zeropay is a Prime
Product Offering
How can we claim that? - History is the proof itself
We’ve fast forwarded to the future with an amazing product & offerings for the
sub-prime users who never had an access to the product like this.
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Key Differentiator
We liberate our users. We give them the freedom they deserve.
How do we do that?
0% interest
0% On all the loans
No late payment fee
No additional cost on EMI
Shop anywhere & everywhere
Online & offline, shop at any store of your choice
Yes, you read it right, we do not charge
any interest on the loans!
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Business & Revenue Model
45 day loan cycle 3 EMIs Subvention Charges
for each user 15 day interval per EMI for our affiliated merchants
What about unaffiliated merchants?
Rs. 2500 Rs. 3
User limit on Standard
transaction. processing fee
per transaction
Vendor Data
Picked with every transaction
made by the users
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THE NETWORK
EFFECT
[Link]
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What is ‘The Network Effect’?
Everytime a new user joins the ecosystem, they exponentially
increase the user experience for everybody around them.
Examples of other network effect companies
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How We Embed
The Network Effect
Into Zeropay?
User shops Onboards
at a non- a new store
affiliated store
We attract User experience
more users to increases
the platform on the app
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Merchant On-boarding
Automated A Zeropay Merchant
communication Account Manager is on-boarded into
sent to the vendor is assigned the ecosystem
3 key benefits for the users
Average ticket size No extra Access to more
will increase charges merchants
No restriction No processing via D2C screen -
on the shopping limit fee charged to the user advertisements &
rewards program
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Our Guiding Principles
Portfolio Churn Rate Law of Large Consumers
(Diversification of
45 days to recover principal amount
Portfolio)
and interest from users and merchants.
A diversified portfolio reflects the
Profits are redeployed into the market. demographics of the economy - NPA
can be predicted easily.
Portfolio compounds upto 9 times a
year (or every 45 days). Low concentration
risk per user
Vendors subvention fee charged before
Small ticket size
settlement. (Rs. 4000 - Rs. 5000 per user)
Limits increase as they
spend more through the app
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Our Presence
Available on Android. Recently launched on iOS.
150k 47% 76%
App downloads Active users Online transaction
with > 4 purchases
monthly
45% 45-60yr 27yr
Female users are 20% active Average age of
users of the app the active Users
30%
Organic users
Cost per download
Rs. 5.5 Rs. 12
Facebook Google
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Our Lending Partners
We are one of the only early stage companies that have NBFC
taking part in our underwriting process.
FLDG
In a range of 10-15%
To be paid as cash margin
Interest rate is 14-17%
Affiliated to
4 NBFCs & Banks
Liquiloans Sun Gold
Emerald Suryoday
X-10 Faircent
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Competition
DIRECT INDIRECT
Same loan cycles-same users-same
behaviour
Both are infamous for high late fees. Bigger loan amount
Shop only at affiliated stores Bigger loan cycle
Service prime clientele
Merchant on-boarding
Not a true alternative for credit card
Physical cards (8 days for delivery)
Massive On-board Massive
sales team merchants AM team
Promote new
merchants to the
userbase
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User Lifestyle
User gets the User can
credit shop anywhere
User pays back User likes the
in 3 EMI item & makes the
purchase
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External Growth Drivers
for BNPL Industry
1. UPI based payments
2. Growth in online payments
3. E-commerce via virtual card
4. Changing fintech-BNPL Trend
Average ticket size is dropping
5. Growing TAM in India
6. Increase in overall banking penetration
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Future Plans-6 Months
Presence across 20 mega cities
Increase tech team capabilities
Increase underwriting capabilities
Increase monthly GMV to 30cr per month
Reduce current NPA to 3% with contribution margin of 12%
Provide higher limits through eNACH
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Our Ask
$5M
with a
runway of 6 MONTHS for this round
Currently bootstrapped
Invested 70L in the business till date
We achieved so much with just 70L,
can’t wait to see the wonders we can do with $5m!
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