Part 3: The Value & Impact
Business Model Canvas (BMC)
Key Partners
🤝
- Mobile Money Providers (MTN, Moov, Celtiis)
- PI-SPI Banking Network
- High-Volume Retailers (Gas Stations, Supermarkets)
- Corporate Fleet Partners
- ESP32 / Hardware Suppliers
Key Activities
- Hardware deployment & maintenance
- Platform security & uptime
- Merchant onboarding & training
- Corporate account management
Value
Propositions
For Merchants:
- 0% cash leakage, single-bank disbursements
- 1% flat commission, real-time dashboard
For Consumers:
- Instant, offline, multi-wallet NFC payments
- Auto-topup: link once, pay forever
For Corporates:
- Programmable fleet expense management
- Automated, perfectly reconciled reports
Customer
Relationships
- B2B: automated support & training
- B2C: automated top-ups & loyalty
- Enterprise: dedicated account managers
Customer Segments
🎯
- ★ High-Freq. Retailers (Primary)
- Mobile Money users
- Corporate fleets & enterprises (B2B)
- Government agencies (B2G)
Key Resources
- Proprietary NFC tech (ESP32-S3)
- Unified cloud platform
- Engineering + local ops teams
Channels
- Direct B2B sales
- B2B2C via merchants
- API for government systems
Cost Structure
- Hardware manufacturing
- Cloud infrastructure
- Local operations staff
- Card & loyalty subsidies
Revenue Streams
- ★ Transaction commissions (1%)
- Terminal rental (~$16/year)
- Corporate account fees
- Future: credit & data