1. Bringing Mobile To Payments
Sparq is an enterprise mobile payment platform
that adds existing point of sale payment capability
to any interactive consumer experience
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Market Opportunity in the Trillions
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Electronic
Physical
Payment
Cash
E-Commerce Mobile Payments
$3.2T
$1.2T
$348B $68B
Physical World Dwarfs eCommerce
Source: Gartner 2010; U.S. only
The questions are When & How

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Today: Retail Is Mature
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Retail payment is a well-oiled machine

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Today: Mobile Is About The Internet
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Mobile does not touch the POS

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What Sparq Means by ‘Mobile Payment’
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Speed and Convenience ➔ Consumer Adoption
Revenue and Data ➔ Commercial Appeal
Access ControlMerchant Services Secure Payment
Using a phone to transact at retail Point of Sale
Interactivity + Standards-based Security = Rich, Trustworthy Experience

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What Has Delayed Mobile Payment?
Market needs smart customers
Players lack teams & back-end system
Little understanding of point of sale
Previously too much interdependency; waiting on carriers
Until now, no ability to retrofit existing phones with NFC
Players all chasing same value proposition
Carriers intention to compete with banks strains collaboration
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Why Now? Market Is Ready
Carrier Consortiums: U.S, France, Germany & Netherlands underway
Citibank already launched commercial services, with more banks following
Smartphone OS providers planning NFC services for deployment
App Developers bringing innovation to interactive apps in physical world
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How Does This All Play Out? A New Crowded Ecosystem Is Emerging
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Legacy Payment
Mobile Players
New Guys
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What’s It Going To Take For Mobile Payments To Work In The US?
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-Smartphone providers, carriers, financial institutions & retailers must all play roles
-There must be an intermediary trusted by the financial institutions &
the carriers to activate the virtual credit cards inside the phone.
Gerhard Romen, Nokia, NY Times, January 2009

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Architected From The Middle To Provide Technology & Trust
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Retail
Ecosystem
Financial
Services
Ecosystem
Mobile
Ecosystem

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Sparq Transact Enables Mobile Devices
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+

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Sparq Manages Consumer & Drives Behavior
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Care & Analytics

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Sparq Manages Secure Data On And Off Smartphone
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Manage Credentials, Security, Lost/Stolen Phone
On Device
Wallet

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Sparq Support All Players Going After A Trillion Dollar Business
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MNO’s Issuers Merchants Smartphone OS App Developers

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Sparq Today: Experts In Mobile Payments
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65+ collective years of blue chip mobile payment experience
15 Headcount, core team built out
CEO, Co-Founder: Drew Weinstein (Attorney/consultant to Visa, mobile marketing entrepreneur)
Business Development, Co-Founder: Hans Reisgies (ViVOtech, Texas Instruments)
CTO: David Brudnicki (AT&T, Sprint)
Product: Michael Craft (Sprint, LG, FBI, Verizon)
Risk: Samantha Philips (Visa)
Best of Breed Partners
2010 Revenue > $500,000; 2011 Forecast > $10M
Privately Backed
Offices in Redwood City & Seattle

16. Thank You
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