Serving The 2 Billion Unbanked: A New Trillion Dollar Market

Banking as we know it may soon be dead. Long live super-banking.

Banking has a disease. It’s stuck in a time warp and inspires little trust or customer confidence, but that
was yesterday …

Today, the genius of technology is surrounding this space, and the future may already be here.

Banks are scared, and they should be. They’ve forgotten that the customer is king, and that this is a
digital era where innovative new fintech companies have them surrounded.

Digital and mobile payment platforms are replacing traditional banks and credit card systems.

American frustration with the banking industry has led to record years of mounting complaints …

Banking as we know it may soon be dead. Long live super-banking

Banking has a disease. It’s stuck in a time warp and inspires little trust or customer confidence, but that
was yesterday …

Today, the genius of technology is surrounding this space, and the future may already be here.

Banks are scared, and they should be. They’ve forgotten that the customer is king, and that this is a digital era where innovative new fintech companies have them surrounded.

Digital and mobile payment platforms are replacing traditional banks and credit card systems.

American frustration with the banking industry has led to record years of mounting complaints …

Source: CNBC

Welcome to the banking model reboot, and one company that is ready to roll out the super-bank model of the century: One that will serve millions of ordinary customers by listening, by making it super-easy to pay your utility bills, send and receive money and even buy and sell cryptocurrencies.

The massive digital evolution that could completely up-end the banking industry is already here … And the company behind the super-bank evolution is QPAGOS (are busy shuttering thousands of branches in the suburbs and out-backs, this Super-Bank is preparing its major breakout.

Consider this: they’ve already got 700 self-service banking kiosks up and running. The next phase is 1,000 new kiosks, and they’re planning 10,000 over the next few years.

The future of banking is here. Don’t be late to the game.

Here are 5 Reasons to keep a very close eye on the QPAGOS (

The potential markets for payment processing, utility payments and overseas remittance services are
mouth-watering, and that’s just in Mexico:

#2 Scaling Up: 10,000 New Banks Coming

Let’s break it down, because this is only part of the game:

Not only does QPAGOS earns fees when people upload funds to Monedero when they have to pay bills for the hundreds of providers on the platform…

It’s also launched a charm offensive targeting the lucrative international remittances market.

The company has begun rolling out a huge network of self-service banks along the U.S.(California)- Latin America corridor to facilitate cross-border money transfer and payments.

And it’s planning to deploy 1,000 self-service kiosk in California in Phase 1 and rapidly ramp up to 10,000 self-service banks over the next few years.

Capturing 1 percent of this lucrative market means a good $280 million revenue opportunity for the company…

5 percent is good for $1.4 billion…

and 10 percent means a massive $2.8 billion revenue opportunity for QPAGOS.

As the company continues to rapidly scale up, its addressable markets and revenues are expected to grow in tandem. This should provide it with excellent growth runways that are likely to help the company exceed its already robust revenue growth clip of 58 percent Year-over-Year and 37 percent Quarter-over-Quarter (posted during the first quarter of 2018).

#3 A Very Lucrative Model of Inclusion

Capturing the global banking market right now is about two things: inclusion and self-service. That’s why traditional banks are way behind.

Until now, QPAGOS has mainly targeted Mexico, where low credit card and e-commerce penetration and a high cash usage have created a huge market for this product.

In Mexico, only 2 percent of the country’s $200-bilion annual retails sales are transacted through credit
cards.

Source: Finnovista

The unbanked world is much like the USA was in 1950. Inefficiency has ruled the day.

Long queues, high banking/payment fees and low cash-machine coverage are all the hallmarks of the
banking industry in these countries.

QPAGOS noticed these glaring inefficiencies and responded, seeking to bring a super-bank kiosk to every
street corner.

Then they added pre-paid payments, loans, remittance… and even cryptocurrencies like Bitcoin (which
most banks won’t touch).

Now, in Mexico, they’re targeting a market with 6 billion cashless transactions a year, and have started reaping the rewards.

The value proposition is impressive:
* Intuitive, easy-to-use touchscreens that not only allow direct interaction with customers but also generate new leads which allows QPAGOS to cross-sell its multiple services to users.
* Tailored payment solutions easily adapted to different customer needs housed in highly secure data centers and designed for rapid deployment.
* A vendor agnostic system, which means they can be delivered through a wide range of hardware devices including its self-service banks, mobile devices, POS devices and PCs.
* Proprietary payment solutions that aren’t just cheaper, but they offer wider geographical coverage depending on mobile connectivity.

This is how you capture a market: with flexibility.

In fact, it’s all so flexible that it’s ideal for everyone from retailers who want to decongest teller lines and
agent networks of independent businesses with high customer traffic … to banks and financial intermediaries who want to extend their geographical collection points.

Or government municipalities that are looking to bring services closer to citizens…

Or even a wide range of electronic payment distributors who would like to use QPAGOS' self-service
banking kiosks to reach customers.

#4 Huge Network for Major U.S. Rollout

The beauty of it all is that QPAGOS is likely to hit the ground running once it embarks on rolling out self- service banking kiosks across the United States.

Behind these super-bank kiosks is an entire ecosystem of service providers including heavy-hitters like AT&T, Facebook, Dish, Sky, Movistar, Maxcom, Nextel, Telcel, Infonavit, Telmex, Izzi, CFE, Gas Natural, Pronosticos and other mainstream service providers, Mexican government agencies, mortgage providers and consumer agencies.

Again, the U.S. rollout is going to see 1,000 new kiosks along the California-Latin America corridor, and a whopping 10,000 in the next few years.

And QPAGOS has a huge moat …

Boasting considerable technology and contractual moats, QPAGOS is set to expand and defend its position in the cash2digital payments industry.

While it’s technology infrastructure focuses on premier, revenue-generating and expansion-enabling flexibility …

It’s contractual agreement moat is equally impressive.

QPAGOS has already signed up more than 140 mainstream service providers to its platform including ATT, Xbox and cell phone providers Telcel, Telmex, Virgin Mobile, Nextel as well as other large providers that serve millions of Mexicans.

Now they can focus on the business of rolling out super bank kiosks in the U.S.

#5 Super-Tag Team for Super-Banking Evolution

Led by CEO and Chairman Gastón Pereira, QPAGOS is trouncing the future of banking. Pereira, formerly of Citibank, has over three decades of experience in financial services, cross-border payments and telecommunications in all the right geographies: U.S. Europe and Latin America.

In this sector, he’s a groundbreaker, and when it comes to digital consumer financial products and services, he’s a pioneer. Nobody knows Latin America remittances like Pereira, and this will be one of QPAGOS biggest expansion areas.

It helps, too, that Director James W. Fuller, a former senior VP of the New York Stock Exchange (NYSE) is on board, along with Andrey Novikov, a figure synonymous with global innovative payment services.

Together, they are building a momentum that is bulldozing its way across continents. More super-bank kiosks are rolling out in Mexico right now, but the biggest opportunity presents a critical moment for investors: They’re preparing a major U.S. rollout right now, and with earnings growing over 30 percent quarter-on-quarter, the next quarter close is drawing near …

By. Ian Jenkins

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