Digital Money

Agenda
1) MCash Overview
2) Executive Summary
3) Micro Payment Overview
4) Micro Payment

5) MCash Social Commerce Ecosystem

6) Competitive Advantage
7) MCash Community
8) MCash Milestone
9) MCash Roadmap
10)Example MCash @ Merchant

MCash Overview

MCash is a virtual wallet that licensed by Malaysian Central Banks eMoney

It keeps all deposited money that will be used to purchase any product provide by Merchant
partners
By using MCash, our clients can pay any of these products at the Merchant partners such as:

1. Airtime Reload
2. Games Point Reload
3. Bills payment (Utilities, Astro (Satellite TV), Telco)
4. Online shopping

5. Payment at Merchant partners

1MCash is equivalent to RM1

reload via:
ePay - 15,000 retail terminal
Online - Credit Card & Online Payment

MCash Overview
an additional cashless payment
method with lower
Micro
transaction fees and more
payment
convenient via mobile
phone application
encourage
consumers to
invest with
lower entrance
rate

Micro
investment

Loyalty
Points
system

Micro
loan

consumers will be able to

receive and redeem
rewards when using
MCash.

help borrowers to get great

rates and help lender to grow
their money

MCash Overview
A mobile application that allows customers to keep their
digital currencies and also execute the following actions:
Spend

Invest

Loyalty Points

Make Payment

Flexi Deposit

Earn Reward
Points

Exclusive Deals Savings

Fixed Deposit

Redeem
Rewards

Pay Bills

Balance Transfer

Transfer Reward
Points

Split the Bill

Executive Summary

MCash is the Malaysias Digital Currency spearheading

Digital Economy Transformation
MCash will replace physical currency
-

There are 12,430 ATMs in Malaysia.

An estimated of RM3B budget spent on ATMs

without factoring of on going operational
cost such as printing, logistic, support &

maintenance.

Micro Payment Overview

R
E
L
O
A
D

USAGE
Online banking or credit card

Retail: F&B, Services, etc.

Online Market Place
Tickets

Terminal via e-pay outlet

(15,000 terminal)

Merchant
Partner

Coupons & Vouchers

Prepaid & Bills payment

Micro Payment

Airtime and Game reload

Purchase meals

Micro Payment

MCash Social Commerce Ecosystem

REWARDS

Consumer Loyalty
Market Place for Retailer
Cross Selling
One Stop Digital Product (eg telco &
games points)

REDEMPTION/
CASHBACK

COMMUNITIES
DIGITAL WALLET

SALES & MARKETING CHANNEL

Impulsive Marketing
Campaign Driven
Walk In Customers
Digital Commerce

RETAILERS

SPENDING
RELOAD

SPENDING

Competitive Advantage
MCash as Driven e-Wallet
Simplifying the way to use money and kickstart the cashless lifestyle via MCash.
Complimenting the BANKS! Similar model with traditional bank, but with significant
parameters:
Easier entrance e.g. low entrance rate, no employment letter required
Easily accessible e.g. only require mobile phone
Quick and easy to use
Lower Cost in customer acquisition & operation
Cost Saving on Operations
- Pass on the SAVING on OPEX & ATMs as Higher Interest Rate Better Than
Bank Deposit
- Pass on the SAVING to better customer rewards

MCash Community

Membership

More than 20,000 and growing

Sales Transactions

More than 1,000 transactions per month & growing

MCash Community

Returning Visitors

36%, more than the industrys

recommended 30%

Social Media Platforms

70,000 followers and growing

New Visitors

More than 11,000 new visitors

per month

Mobile Apps

More than 5,000 installs

MCash Milestone
2013

2016

Digital Commerce
www.mruncit.com - largest Virtual
Product & Service Digital Store
No. 1 online platform for Airtime &
Games reload

MCash as payment option other than

Credit Card & Online Banking
20k community members
30+ Virtual Product & Services
Partnership

Avg RM1M Sales per year

Expanding SKU eg Electronic Product
& Accessories etc

2018

Digital Currency
MCash is most popular & valuable
Digital Currency vs Telco Mobile
Money (AirCash & MMoney)
Offer cashless option for user to
purchase at Merchant partners
More than 1,000 users with new user
registration every month
15k Physical Reload Centers

Convenience Store

Petrol Stations

Avg MCash Reload per Members is

RM75 per mth

Regional Currency
Replicating AliPay & WeChat
success
Promote tourism industry for AEC
The Regional E-Money Exchange
Centre

MCash Roadmap
MCASH 2016
Payment at Merchant partners
Loyalty points
Airtime reload
Game points reload
Purchase e-vouchers and redeem at Merchant partners
Bills payment
Payment sharing
Referral program
E-Commerce platform @ MCash apps

Example: MCash @ Merchant (Caf)

Collaboration with Moola Caf (Merchant)
by offering MCash to their customer:
More convenient (cash less)
Earn meals voucher & points
Get special offer from the caf
Sharing total payments amount with friends