JuanPay

Arpilleda
Baes
Bañez
Balderama
Barbacena

1
Who we are

The virtual equivalent

of the point-of-sale
terminals at physical
stores.

An e-commerce service that A payment gateway that sends

authorizes credit card or credit card or direct payments
direct payments processing information from a front-end portal
for online businesses, bricks (website, mobile application, etc.) to
and clicks, or traditional brick the banks’ payment networks for
and mortar sellers. processing and authorization, and
returns the transaction details and
responses from the payment
networks back to the front end.

JuanPay 2
“
Mission
To provide our Clients the most
efficient, reliable, and fully integrated
virtual payment channel for a
seamless customer experience.

JuanPay 3
“
Vision
We are a Filipino-owned company
that envisions to be the industry’s top
choice and provider of secured,
affordable, and innovative digital
payment gateway.

JuanPay 4
Generic Strategy
BROAD-
DIFFERENTIATED
Mobile Payment Gateways
catering both Credit and
Non-Credit Card Holders

12/1/19 5
Competitors

PayPal

AsiaPay

Dragonpay

12/1/19 6
 JUANPAY
Process The merchant securely sends the details of that
customer’s transaction to the payment gateway. This The bank settles the transaction
is commonly done via SSL (Secure Socket Layer) amount with the payment gateway and
encryption. The payment gateway then routes the the payment gateway settles the
transaction to the issuing bank for authorization. amount with the merchant.

Once the transaction has been

The process begins when a
authenticated, it is approved or declined
customer places an order on the
(based on the funds available in the
website by clicking the “Submit
customer’s account) by the issuing bank.
Order” or “Checkout” button.
The payment gateway then conveys this 7
message to the merchant.
 JUANPAY
How we make Money JuanPay

Transaction Discounting Rate (TDR) A

Charges on international transactions B

Maintenance and support costs C

Setup fees D

12/1/19 8
EXTERNAL
ANALYSIS |
PESTEL
 ENVIRONMENT POLITICAL
1. Continuous crafting and revision of governmental policies with
regard to the proposed House Bill 176 (TRABAHO Bill) which aims
to gradually reduce the corporate income taxes by 10% starting
2021 has been approved by the House Committee.
[OPPORTUNITY]
POLITICAL ECONOMY
2. Not highly regulated, hence, lesser compliance (in terms of
BSP and BIR regulations) related costs [OPPORTUNITY]

3. Not yet highly taxed by the government [OPPORTUNITY]

LEGAL SOCIAL TECHNOLOGY

 ENVIRONMENT ECONOMY
1. Decreasing inflation rate (0.9% Sep2019) in the Philippines
which increases the purchasing power of consumers
[OPPORTUNITY]

2. Internet economy is expected to grow from $5B to $21B by

POLITICAL ECONOMY 2025 resulting to continued growth in the ecommerce
transactions [OPPORTUNITY]

3. Speed and affordability of mobile networks may impede

development of internet economy – Threat (Philippines ranking
5th most expensive in terms of cost of 1GB mobile data relative
to a person’s average income [THREAT]
LEGAL SOCIAL TECHNOLOGY
 ENVIRONMENT SOCIAL
1. Increase of social media platforms referral to retail eCommerce
sites has grown 110% in the last two years effectively increasing
volume of ecommerce transactions and is foreseen to maintain 7%
year on year increase OPPORTUNITY]
POLITICAL ECONOMY

LEGAL SOCIAL TECHNOLOGY

 ENVIRONMENT TECHNOLOGY
1. Online transactions are increasing at an average rate of 12%
year on year for the next 3 years – 2020-2023 [OPPORTUNITY]

2. Mobile transactions settlement for non-credit card

transactions thru smart devices at point of sale are increasing
POLITICAL ECONOMY year on year at an average rate of 2.44% based on total Mobile
POS payments forecast [OPPORTUNITY]

3. Digital Commerce settlements thru credit card and online

payment providers are increasing year on year at an average
rate of 9.89% [OPPORTUNITY]

LEGAL SOCIAL TECHNOLOGY 4. Increase in mobile wallet users that promote cashless
transactions wherein mode of payment is via QR scanning
[OPPORTUNITY]
 ENVIRONMENT ENVIRONMENT
1. Carbon credits for use of renewable sources for the high
power consuming data room [OPPORTUNITY]

POLITICAL ECONOMY

LEGAL SOCIAL TECHNOLOGY

 ENVIRONMENT LEGAL
1. Increase in the EOB score of the Philippines in 2019 has
forecasted to increase in e-commerce start-ups in the
Philippines [OPPORTUNITY]

2. Improvement in the protection of intellectual property rights

POLITICAL ECONOMY in the Philippines as highlighted by its removal from the US
watchlist of trading partners with grave IPR infringements has
encouraged increase in internally developed payment gateway
software in the Philippines [OPPORTUNITY]

LEGAL SOCIAL TECHNOLOGY

PORTER’S FIVE
FORCES
Threats of Potential New Entrants
Bargaining Power of Suppliers Porter’s Five
Forces

Threat of Substitutes
Bargaining Power of Buyers
Rivalry Among Established
Companies
Low Threats of Potential New Entrants

• New entrants in this industry bring

innovation, new ways of doing things and
new value propositions to the customers.

• The costs, such as franchise fee, payroll,

inventory and rent, require a large up-front
investment. As a result, there are high
barriers to entry.

• Lengthy FDA Registration process and strict

regulatory requirements (i.e., Sanitation)
HIGH Bargaining Power of Suppliers
• Bargaining power of suppliers can be viewed as a threat
when they are able to force up the price that a company
must pay for its inputs or reduce the quality of the inputs
they supply, thereby depressing the company's
profitability. On the other hand, if suppliers are weak, this
gives the company the opportunity to force down prices
and demand higher input quality.

• The restaurants in this industry purchase reliable and high-

quality beef and other Japanese ingredients mainly from
specific international suppliers of its high standard meat.
Franchising costs controlled by franchisers.

• When dealing with suppliers of fringe products,

restaurants may not have much bargaining power because
of lack of competition in the supply market.
HIGH Threat of Substitutes
● Threat of substitute means if there is any substitute of
the particular product or service that the customer can
switch to. Threat of substitute for this industry is high.

● People can buy food from supermarkets and cook at

home rather than eat out. Additionally, presence of
various international cuisines such as Italian, Korean,
Chinese, Spanish, Turkish may attract customers with no
specific cuisine of choice.

● Bad experiences of customers may lead to low customer

loyalty, especially for first time visitors. The apps, blogs,
website catalogues and reviews of a vast number of
restaurants has made it easier for a customer to try a
different restaurant every single day.

● Increase in the market demand for Korean BBQ.

HIGH Bargaining Power of Buyers
• Bargaining power of the buyer can be viewed as a
competitive threat when they are in a position to
demand lower prices from the company or when they
are in a position to demand better service that can
increase operating costs.

• Buyers want to buy the best offerings available by

making the most out of their money at the most
reasonable price as possible.

• One upside of this industry is that customers cannot

typically bargain for their food prices. However, buyers
have a good knowledge of the market and will simply go
to another restaurant to check and compare prices.

• Effectively, even though the buyers cannot dictate the

price directly, they intend to shift from one restaurant
to another.

- Low since hindi nmn

LOW Rivalry Among Established Companies

• There is low competitive rivalry in this

industry.
ENNEAGRAM
CEO ENNEAGRAM TYPE
GIFTS PERSONALITY BASIC FEAR HEALTHY POINTS UNHEALTHY POINTS LIFE STATEMENT
Optimist, enthusiastic STATEMENT Being Deprived Charming, confident, Impulsive, manic, narcissistic, Life is being joyful
Happy - go – lucky I am Happy curious, enthusiastic, possessive, rebellious, restless,
Always a “silver - lining” fun-loving, imaginative, self-destructive, undisciplined,
spontaneous, quick unfocused

SECURE POINT UNATTRACTIVE

SELF-CONCEPT STRESS POINT STRENGTH
MOTIVE 5: Move into work & Implementation
I am fun 1: Judgmental, pessimistic, Pleasant & very easy to
ACTUAL TYPE: 7 To have perfectionist
production and Fixed guidelines get along with imaginative
fun spends less time
Visionary daydreaming ATTRACTIVE
Planning &
brainstormers &
visionaries. Positive
approach to life
conceptualizing, visioning,
being in the new

CONSULTANT, ENTREPRENEUR, PUBLIC RELATIONS

WINGS Type 6 Type 8 OCCUPATIONS EDITOR, WRITER, MANAGEMENT STAFF, SCIENTIST
IT / Finance Head ENNEAGRAM TYPE
GIFTS PERSONALITY BASIC FEAR HEALTHY POINTS UNHEALTHY POINTS LIFE STATEMENT
Wise, intelligent, STATEMENT Being Deprived Analytical, objective, Critical, cynical, distant, Life is being
observer, thinker I am perceptive, persevering, intellectually, arrogant, stingy, knowledgeable
Knowledgeable self-contained, stubborn, unassertive
sensitive, wise

SECURE POINT UNATTRACTIVE

SELF-CONCEPT STRESS POINT STRENGTH
MOTIVE 8: Become assertive Open competition
I am Wise 7: Plan and daydream Utilizes resources
ACTUAL TYPE: 5 To know instead of action
and involved with Confirmation and direct efficiently; Independent
and others association with others
Observer understand
ATTRACTIVE
that they don’t seek
others to take care of
them
Analysis and reanalysis
Information and research

ACCOUNTANT, COMPUTER PROGRAMMER, ACADEMIC POSITIONS,

WINGS Type 4 Type 6 OCCUPATIONS ARCHAEOLOGIST, RESEARCH, SCIENTIST WRITER, LIBRARIAN
Software Engineer ENNEAGRAM TYPE
GIFTS PERSONALITY BASIC FEAR HEALTHY POINTS UNHEALTHY POINTS LIFE STATEMENT
Responsible, dependable, STATEMENT Being abandoned Caring, dependable, Controlling, defensive, Life is being Responsible
trustworthy Loyal to what I am loyal loyal, practical, hyper-vigilant, judgmental,
is lawful responsible, warm, paranoid, rigid, self-defeating,
witty testy, unpredictable

SECURE POINT UNATTRACTIVE

SELF-CONCEPT STRESS POINT STRENGTH
MOTIVE More relaxed, On-the-spot decisions
I am faithful Become anxious and
ACTUAL TYPE: 6 To have take action defensively
self-assured and Long attention span
approve makes decisions ATTRACTIVE Careful and precise
Questioner authority Hierarchy-oriented
Being with authority or
Focused concentration

being authority to oneself

ENGINEER, CIVIL SERVANT, OFFICER IN THE ARMED FORCES MACHINIST,

WINGS Type 5 Type 7 OCCUPATIONS TECHNOLOGIST, POLICE OFFICER, BUILDER, SCHOOL INSTRUCTOR, FIRE FIGHTER
THANK YOU