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BUSINESS PLAN 'Universal system of contactless payments «PassKit»' (with financial model)

Стоимость: 32 500 руб
  • 91
  • Английский
  • 08.07.2014
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What can be a guarantee of the success and positive decision of the investors considering your project? First of all, it's no-ordinary idea and carefully thought out and reasonable investment offer.

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«VTSConsulting» company offers not only a prepared business plan: we sell the effective and practicable ideas for your business, starting from the ideas for Internet business to the different spheres of economics. Your clients get a ready, living idea and step-by-step instruction on its realization (business plan document itself).

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The project offered as idea of this business plan is a web-site which represents an online-platform for creation of passes (passes – a digital card or ticket which replaces the physical analogues and consists of the same information, it is possible to send passes via MMS, Email, mobile application).

Рasses are compatible and are used via Apple Passbook, Google Wallet and other mobile wallets. This project will allow companies not to worry about which mobile wallet the client uses (Apple Passbook, Samsung Wallet, Google Wallet, Pass Wallet or browser).

Among main possibilities of this platform is the opportunity of coupons, tickets, promotional coupons, discount cards and coupon certificates keeping in mobile phone of goods and services consumers. In the future the developers presume that user will be able to keep the payment cards in the system and carry out the transaction via their help. 

Adaptation of this business plan is possible for similar project around the world.

The financial model in the separate file which allows to build with ease the new financial plan by method of input of the relevant data is applied to this business plan.

Business Plan Description

Project name: «PassKit»

Project purpose: bringing to the market of Russia the «PassKit» project, which will be integrated with basic mobile platforms (iOS, Android, Windows, Blackberry).

Project audience (potential users): business; consumers of goods and services.

Relevance to the business: an opportunity to attract the new buyers, reducing of costs for printing of advertising products and production of plastic cards. Besides, the online-platform will allow the companies to work with the most popular mobile wallets: Apple Passbook, Samsung Wallet, Google Wallet, Pass Wallet

Relevance to separate consumer: this decision will allow the consumers to forget about the wallet which is constantly full up by different cards and will provide a simple access to carrying out of transactions.

Market

Indicator

Value

Volume of e-commerce market of Russia

*** bln USD

Number of online-buyers on the territory of the Russian Federation (RF)

*** mln people

Average check of purchases made in Internet-shops

*** bln USD

Cash volume of Russian smartphone market

*** bln RUB

Share of smartphones among all sold mobile devices

60%

Usage of mobile phones in places of leisure (percentage of respondents)

19%

Share of enterprises of small and middle business operating in the sphere of  in the field of wholesale and retail trade in RF

***%

Active enterprises of small and middle business in RF (2013), thsd

***

 

Project basic financial indicators:

Indicator

Unit

Value

Revenue for 3 years of operating

RUB

***

Necessary investment

RUB

***

NPV

RUB

***

IRR annual

%

***

Discounted payback period

months

18

 

Excerpts from Research

During the last year the sum of sold tangible goods was 363 bln RUB (+ *** bln over the results of previous year), the sum of intangible goods was 181 bln RUB (+ *** bln over the previous year).

Experts forecast the further growth by ***% per year in average for 5 years. Considering the possible economic crisis, the projects look quite favorably.

It is possible to explain such growth by increasing of number of buyers.  According to the data, which are provided in the research of Association of Companies of Internet Trade (ACIT), *** mln people buy online. This is about ***% of total amount of Internet users. Herewith the growth in 2013 was ***% – about *** mln people. The basic growth is taken due to the regions and as the consequence due to the buyers with low income.

***

According to the research of Russian market of mobile Internet, the portrait of mobile Internet user was made, the most popular mobile platforms and models of smartphones were revealed and also the geography of mobile Internet penetration was studied. Most often the mobile versions of sites are visited via Samsung devices (***%), Apple gadgets (***%) are second, Nokia (***%) closes the top three. As for the operating system, the most of visitors of mobile versions of sites are the owners of Android based devices (***%). In the second place, iOS is (***%), in third place – J2ME (***%). 5% of visitors use the devices with Symbian operating system, 3%  –  with Windows Phone.

List of Tables, Diagrams and Charts

4

Executive Summery

5

1.0. Description of Problems on the Market

7

1.1. Problems of Goods and Services Consumers

7

1.2. Business Problems

8

1.3. «PassKit» – Solving of Consumers and Business Problems

9

2.0. Functions and Possibilities of «PassKit» Project

12

2.1. Functions of Mobile Wallet «PassKit»

12

2.2. Possibilities of «PassKit»

15

3.0. Market Analysis

22

3.1. Tendencies of E-Commerce Market In Russia

22

3.2. Market of Smartphones in Russia

24

3.2.1. Market of Operating Systems for Smartphones (Russia)

26

3.2.2. Market of Mobile Internet

27

3.2.3. Market and Tendencies of Market of Contactless Payments in Russia

29

3.3. State of Entrepreneurship and Trade Sphere of the Russian Federation (RF)

34

3.4.State of Shopping and Entertainment Centers as Main Project Partners

35

4.0. Competitive Environment

41

5.0. Marketing Plan

46

6.0. Financial Plan

50

6.1. Project Assumption

50

6.2. Plan of Sales

52

6.3. Volume of Sales (the Number of Sales is Specified)

53

6.4. Services Sales Revenue

54

6.5. Costs by the Project

57

6.6. Capital Expenditures

58

6.7. Taxes

59

6.8. Profit and Loss Statement

60

6.9. Calculation of discount rate by WACC-method

62

Calculation of long-term profits over CAPM for portfolios of decimal groups NYSE/AMEX/NASDAQ

67

Algorithm of Identification of Risk Level of Estimated Company

68

Algorithm of Calculation of Specific Risk Premium

69

Calculation of discount rate by WACC-method

71

6.10. Cash Flow Statement

73

6.11. Analysis of Project Economic Efficiency

76

6.12. Basic Financial Indicators of the Project

79

7.0. Sensibility Analysis of Financial Result to Basic Calculated Parameters

80

Application 1. Top 100 of the Best Shopping and Entertainment Centers in Russia

86

Tables 

Table 1. Different Kinds of Electronic Wallets

7

Table 2. Leaders of Electronic Wallet Market

9

Table 3. Top of Popularity of Mobile Operating Systems for Smartphones in Russia, 2014

26

Table 4. Average Daily Indicator of  Visitors Number of Web-Sites of Coupon Services in RF

42

Table 5. The Largest Players of Market of Collective Services Sales of RF

45

Charts 

Chart 1. Place of Russian E-Commerce Market among World Leaders

22

Chart 2. Dynamics of Number Growth of Online-Buyers on the Territory of RF

23

Diagrams 

Diagram 1. Nominal Volume of Smartphone Sales by Producers in the Territory of Russia (Q1 2014)

25

Diagram 2. Places of Usage of Mobile Internet

29

Diagram 3.Distribution of Enterprises of Small and Middle Business in Depending on Field of Activity

34

Diagram 4. Share of Small and Middle Enterprises in Total Share of Revenue of State Economy

35