UGBA 100 - Unicard capstone project
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Transcript of UGBA 100 - Unicard capstone project
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CEO Takeo Hiraki | COO Alyssa Tio | CMO Anni Zhang | CFO Tiffany Le
Simplicity Starts Here
SIMPLICITY STARTS HERE
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Takeo HirakiCEO• UC Berkeley• BS Business
Administration • Minor: Computer
Science• Focused on
payments industry at a boutique M&A shop
• Business Development at an AngelPad and Kleiner Perkins backed startup
Anni ZhangCMO• UC Berkeley• BS Business
Administration• BS Conservation &
Resource Studies• Extensive
marketing knowledge with 22-35 age group
• Global Consulting, Shanghai
• Marketing experience with startups in U.S. and Canada Product &
Company Market Operations Financials Q & A
Tiffany LeCFO• UC Berkeley• BS Business
Administration• 4 Years
Experience working as a Financial Analyst in a fortune 500 Company
• Advisory at Ernst and Young focusing on new tech startups
Alyssa TioCOO• UC Berkeley• BS Business
Administration• 2 years
experience in financial planning firm
• Chair of business organization’s membership committee
• Audit at Ernst & Young for tech startup clients
TEAM
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THE WORLD IS BECOMING MORE COMPLICATED
Product & Company Market Operations Financials Q & A
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UNCOMPROMISING SIMPLICITY
EASE OF ACCESS
SECURE
Product & Company Market Operations Financials Q & A
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Product & Company Market Operations Financials Q & A
MISSION
To simplify the way we interact with our money through the aggregation and protection of our payment cards
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THE UNICARD
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1. Input Card Data
2. Choose Card
3. Swipe
Product & Company Market Operations Financials Q & A
HOW IT WORKS
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Product & Company Market Operations Financials Q & A
Source: Aite Group
MOBILE PAYMENTS INDUSTRY
2010 2011 2012 2013 2014 20150
50
100
150
200
250
15
46
81
119
162
214
Dol
lars
(Bill
ions
)
CAGR '10 - '14: 68%
Dollar Amount of Mobile Payments – U.S.
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Market Size
Target Mar-ket (Age 22-35)
Average US consumer holds more than 9.5 payment cards
Product & Company Market Operations Financials Q & A
TARGET MARKET
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Product & Company Market Operations Financials Q & A
SWOT ANALYSIS
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$100/year annual
subscription
Low Cost,High Quality
Product & Company Market Operations Financials Q & A
POSITIONING & PRICE
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Minimal Marketing
Online Marketing• Social Media • Press release on tech websites
Strategic Partnerships• Credit Card company
• Professional Company
Product & Company Market Operations Financials Q & A
MARKETING STRATEGY
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DISTRIBUTION
Product & Company Market Operations Financials Q & A
Online
Current central distribution channelDisintermediation
Banks &
Credit Card companies
Aligned channel incentiveAd space and cross-selling
EmployersAccess to target marketPromotion and advertising
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Manufacturer Contractor Customer Support
Product & Company Market Operations Financials Q & A
STRATEGIC RELATIONSHIPS
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CMO CEO COO CFO
Marketing Technology Sales Tax Accounting
Engineers
Product & Company Market Operations Financials Q & A
OUR PEOPLE
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•Low barriers to entry; new competition
•High conversion costs
•Technological advancements
•Develop customer and brand loyalty by introducing new features, marketing, and customer service
•Marketing strategy
•Re-investing 25% of revenues into R&D
Product & Company Market Operations Financials Q & A
RISKS & MITIGATIONS
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Key Result Indicators
Success Factor: Breakeven in 3 Years
ROI of 70.4% by Year 4
35-40% Y-O-Y Growth
Viable M&A Prospects & IPO Considerations
Product & Company Market Operations Financials Q & A
FINANCIAL SUMMARY
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Beta 2013E 2014E 2015E 2016E
-200,000.00
0.00
200,000.00
400,000.00
600,000.00
800,000.00
1,000,000.00
1,200,000.00
Total Revenue Total Expenses Net Income
Year
Am
ou
nt
in D
ollars
Breakeven
Product & Company Market Operations Financials Q & A
BREAKEVEN IN YEAR 3
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2014E 2015E 2016E 2017E 2018E 2019E 2020EInnovative Technology Marketing
Premium Features
Ad space
Transaction Fees
Expand to international
market
Increasing Revenues
Decreasing Costs
Product & Company Market Operations Financials Q & A
TOTAL ASK: $200,000
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IPO Considerations
Potential Valuation
Potential Acquirers
Highly Viable M&A Prospects
Rev
$10 MM
$500 MM
Product & Company Market Operations Financials Q & A
EXIT STRATEGIES
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APPENDIX: PROJECTED 4 YEAR FINANCIALS
*Sources: census.gov, sec.gov
Product & Company Market Operations Financials Q & A
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*Sources: census.gov, sec.gov
Category Assumptions Factor Explanation
Sales Growth 35-40% 0.29 Competitor Rate
COGS $0.50/card $0.50 Manufacturer Rate
Depreciation $1600/year $1,600.00
Based on Straight-line Depreciation for
a useful life of 5 years
Marketing 25-30% of revenue 0.25 - 0.30 Variable Upon Growth
Research & Development 25% of Revenue 0.25 Industry Standard
Selling, General, & Administrative 10% of Revenue 0.1 Industry Standard
Tax Rate 35% corporate tax rate 0.35 Industry Standard
Product & Company Market Operations Financials Q & A
APPENDIX: FINANCIAL STATISTICS
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Initial Investment Start-Up Expenses Patent $20,000.00 Technology Development $100,000 Marketing Expenses $20,000 Equipment Rent $6,667.67 Total Start-Up Expenses $146,667.67 Start-Up Assets Equipment (Computers) $10,000 Other Current Assets $5,000 Total Assets $15,000 Total Initial Investment $161,667.67
Initial Investment Amounts500 Startups $25,000
CEO - Takeo Hiraki $34,166.92
CFO - Tiffany Le $34,166.92
CMO - Anni Zhang $34,166.92
COO - Alyssa Tio $34,166.92
Capital Needed
$200,000
500 Startups; 5%
Takeo Hiraki; 20%
Tiffany Le; 20%
Anni Zhang; 20%
Alyssa Tio; 20%
Cap-stone Capi-talists; 15%
500 Startups Takeo HirakiTiffany Le Anni ZhangAlyssa Tio Capstone Capitalists
Product & Company Market Operations Financials Q & A
APPENDIX: EQUITY