BUSINESS PLAN United Discount System 'Summary Card' (with financial model)
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Business Description
Project idea and target
Creation of unique for CIS countries system SumCard, which will allow the goods and services consumers to relocate all discount cards from the wallet, where they occupy a significant place, to the mobile phone.
System SumCard is not expensive and effective mean of advertising as well as replacement of SMS-marketing for business.
Principle of system operating
Within the project the software is developed; it is possible to download the SumCard application free in App Store and Google Play for the smartphone.
Advantages
For users:
SumCard (Summary Card) is software of new generation for devices, which are based on iOS, Android operating systems and other mobile platforms. For goods and services consumers the SumCard system is an opportunity to forget what the wallet filled with plastic cards is, because from now on all loyalty cards will be in the phone of user; and for business it is the system of efficient and not expensive advertising of goods and services, which is always with a potential client.
Advantages of SumCard for goods and services consumers:
1. All discount cards are constantly placed in the mobile phone, it is possible to use them anytime and there is not necessity to carry a large amount of credit cards in wallet.
2. Users of the SumCard system themselves choose the companies, from which they will receive the advertising, information about promotions and new offers.
3. Client can see via system the location of shops, restaurants, cafes, etc.
The user must download the mobile application and install it on his terminal to become a participant of SumCard program. Not only mobile phone but any other device based on iOS and Android operating systems can be used as terminal. The downloading of application is available in App Store and Google Play. Users of phones based on other operating platforms could use SumCard via web-browser on their phones soon after the registration on site.
The following paid services will be represented for business and goods and services consumers:
According to the data of Public Opinion Foundation, ***% of Internet users make the Internet payments at least once a month, which amounts to *** mln people. Among the most active part of population (18-45 years old) ***% know about the possibility of making payments via electronic money, ***% use them more often than once in a half of year. It is less than using of bank cards and offline terminals, but more than using of SMS-payments.
Majority of online payments users apply the communication services (cellular communications (***%), the Internet (***%)). Often they are used for payments in the Internet-sphere: payment for purchases in the Internet shops (***%), payments in social networks (***%), online-games (***%), multimedia content (***%).
Business Description
Project idea and target
Creation of unique for CIS countries system SumCard, which will allow the goods and services consumers to relocate all discount cards from the wallet, where they occupy a significant place, to the mobile phone.
System SumCard is not expensive and effective mean of advertising as well as replacement of SMS-marketing for business.
Principle of system operating
Within the project the software is developed; it is possible to download the SumCard application free in App Store and Google Play for the smartphone.
Advantages
For users:
- credit cards are always near and placed in the phone;
- it’s not necessary to carry a wallet filled with plastic cards;
- receiving of new information about promotions and discounts.
- there are no costs for plastic card production;
- information from the advertiser appears in the system for an hour;
- implementations of creative initiatives from advertising are possible.
- SNAPP’ –France.
- KeyRING – USA.
SumCard (Summary Card) is software of new generation for devices, which are based on iOS, Android operating systems and other mobile platforms. For goods and services consumers the SumCard system is an opportunity to forget what the wallet filled with plastic cards is, because from now on all loyalty cards will be in the phone of user; and for business it is the system of efficient and not expensive advertising of goods and services, which is always with a potential client.
Advantages of SumCard for goods and services consumers:
1. All discount cards are constantly placed in the mobile phone, it is possible to use them anytime and there is not necessity to carry a large amount of credit cards in wallet.
2. Users of the SumCard system themselves choose the companies, from which they will receive the advertising, information about promotions and new offers.
3. Client can see via system the location of shops, restaurants, cafes, etc.
The user must download the mobile application and install it on his terminal to become a participant of SumCard program. Not only mobile phone but any other device based on iOS and Android operating systems can be used as terminal. The downloading of application is available in App Store and Google Play. Users of phones based on other operating platforms could use SumCard via web-browser on their phones soon after the registration on site.
The following paid services will be represented for business and goods and services consumers:
- presence of retail outlet in SumCard system. The subscription fee will amount to *** RUB/month from one retail outlet;
- consumers of goods and services have an opportunity to purchase an one-time coupon for discount, the value of which amounts to *** RUB (for example, to buy for *** RUB the one-time discount of 50% in network of restaurants);
- sending of Push-massages, which informs the smartphones owners about the promotions and new discounts, which are provided by partners of SumCard system. The cost of one massage *** RUB, i. e. one potential client costs for business only *** RUB;
- targeting of audience and request of filters for business. Before sending of Push-massages companies can order the sending of messages only for users of their business segment (for example, to send the massages to women aged between 18 and 25 years);
- discount package. The packages of discount with cost of *** RUB will be available for final consumer. For example, the man is going to go to Rostov-on-Don for a week and purchase the package of discount of 10% in all companies, which are the partners of SumCard system;
- turnkey loyalty system – developing of loyalty systems for companies, which will function in SumCard system;
- banner advertising are provided for companies for 1 day. The essence of advertising is that the banner with information from companies will appear for 1 day to all smartphones owners, which have installed the SumCard application;
- advertising of tobacco products and alcohol in the system;
- additional services. For example, geolocation, which allow the client to see where the closer facilities interested him are situated.
According to the data of Public Opinion Foundation, ***% of Internet users make the Internet payments at least once a month, which amounts to *** mln people. Among the most active part of population (18-45 years old) ***% know about the possibility of making payments via electronic money, ***% use them more often than once in a half of year. It is less than using of bank cards and offline terminals, but more than using of SMS-payments.
Majority of online payments users apply the communication services (cellular communications (***%), the Internet (***%)). Often they are used for payments in the Internet-sphere: payment for purchases in the Internet shops (***%), payments in social networks (***%), online-games (***%), multimedia content (***%).
1.0. DESCRIPTION OF SUMMARY CARD (SUMCARD) PROJECT
1.1. System Positioning
1.2. Existing System and Principle of Operating
1.3. Opportunities for Smartphones Owners with SumCard System
1.4. Paid Services of SumCard System for Business and Clients
2.0. MARKET ANALYSIS
2.1. Description of Existing Problems on Market
2.2. State of E-Commerce Market of Russia
2.3. Smartphone Market of Russia
2.4. Market of Operating Systems for Smartphones
2.5. Market of Mobile Internet of Russia
2.6. Market of Contactless Payments and Its Tendencies in Russia
2.7. State of Entrepreneurship and Trade Fields of the Russian Federation (RF)
2.8. State of Market of Shopping and Entertainment Centers as Basic Projects Partners
3.0. COMPETITIVE ENVIRONMENT
3.1. Main competitors of B2C Market
3.2. Competitors of B2B Market
3.3. Analysis of Competitors of SumCard on the World Market
4.0. MARKETING PLAN
4.1. Risks Analysis
4.2. Market Promotion
4.3. Site Creation and Usability
4.4. Search Engine Optimization
4.5. Contextual Advertising
4.6. Social Media Marketing
4.7. Advertising on Home Pages of Search Engines
5.0. OPERATIONAL PLAN
5.1. Staff Schedule
6.0. FINANCIAL PLAN
6.1. Assumptions Used in Calculations
6.2. Revenue Size Forecast (for 1 Month)
6.3. Capital Expenditure
6.4. Project Costs
6.4.1. Personnel Costs
6.5. Profit and Loss Statement
6.6. Basic Financial Indicators of Economic Efficiency
1.1. System Positioning
1.2. Existing System and Principle of Operating
1.3. Opportunities for Smartphones Owners with SumCard System
1.4. Paid Services of SumCard System for Business and Clients
2.0. MARKET ANALYSIS
2.1. Description of Existing Problems on Market
2.2. State of E-Commerce Market of Russia
2.3. Smartphone Market of Russia
2.4. Market of Operating Systems for Smartphones
2.5. Market of Mobile Internet of Russia
2.6. Market of Contactless Payments and Its Tendencies in Russia
2.7. State of Entrepreneurship and Trade Fields of the Russian Federation (RF)
2.8. State of Market of Shopping and Entertainment Centers as Basic Projects Partners
3.0. COMPETITIVE ENVIRONMENT
3.1. Main competitors of B2C Market
3.2. Competitors of B2B Market
3.3. Analysis of Competitors of SumCard on the World Market
4.0. MARKETING PLAN
4.1. Risks Analysis
4.2. Market Promotion
4.3. Site Creation and Usability
4.4. Search Engine Optimization
4.5. Contextual Advertising
4.6. Social Media Marketing
4.7. Advertising on Home Pages of Search Engines
5.0. OPERATIONAL PLAN
5.1. Staff Schedule
6.0. FINANCIAL PLAN
6.1. Assumptions Used in Calculations
6.2. Revenue Size Forecast (for 1 Month)
6.3. Capital Expenditure
6.4. Project Costs
6.4.1. Personnel Costs
6.5. Profit and Loss Statement
6.6. Basic Financial Indicators of Economic Efficiency
FIGURES AND TABLES
Figure 1. Example of QR-Code Generated by the System
Table 1. Necessary Equipment and Minimal Prices
Table 2. TOP of Popularity of Operating Systems for Smartphones in Russia, 2014
Table 3. Analysis of Competitors of SumCard on the World Market
Table 4. Staff Schedule
Table 5. Project Basic Parameters, Accepted for Calculation
Table 6. Price of Services Sales
Table 7. Revenue Forecast
Table 8. Capital Expenditures
Table 9. Project Costs at Pilot Phase
Table 10. Project Costs
Table 11. Costs of Personnel Labor
Table 12. Profit and Loss Statement
Table 13. Profit and Loss Statement by Years
Table 14. Basic Indicators of Economic Efficiency
DIAGRAMS
Diagram 1. Place of Russian Market of E-Commerce among World Leaders
Diagram 2. Dynamics of Growth of Online Buyers on the Territory of RF
Diagram 3. Knowledge and use of Electronic Payments by Population of RF
Diagram 4. Distribution of Electronic Payments by Directions
Diagram 5. Nominal Volume of Smartphones Sales by Producers on the Territory of Russia (Q1 2014)
Diagram 6. Places of Mobile Internet Use
Diagram 7. Distribution of Enterprises of Small and Medium Business in Depending on Field of Activity
Diagram 8. Share of Small and Medium-Sized Enterprises in Total Amount of Revenue of State Economy
Figure 1. Example of QR-Code Generated by the System
Table 1. Necessary Equipment and Minimal Prices
Table 2. TOP of Popularity of Operating Systems for Smartphones in Russia, 2014
Table 3. Analysis of Competitors of SumCard on the World Market
Table 4. Staff Schedule
Table 5. Project Basic Parameters, Accepted for Calculation
Table 6. Price of Services Sales
Table 7. Revenue Forecast
Table 8. Capital Expenditures
Table 9. Project Costs at Pilot Phase
Table 10. Project Costs
Table 11. Costs of Personnel Labor
Table 12. Profit and Loss Statement
Table 13. Profit and Loss Statement by Years
Table 14. Basic Indicators of Economic Efficiency
DIAGRAMS
Diagram 1. Place of Russian Market of E-Commerce among World Leaders
Diagram 2. Dynamics of Growth of Online Buyers on the Territory of RF
Diagram 3. Knowledge and use of Electronic Payments by Population of RF
Diagram 4. Distribution of Electronic Payments by Directions
Diagram 5. Nominal Volume of Smartphones Sales by Producers on the Territory of Russia (Q1 2014)
Diagram 6. Places of Mobile Internet Use
Diagram 7. Distribution of Enterprises of Small and Medium Business in Depending on Field of Activity
Diagram 8. Share of Small and Medium-Sized Enterprises in Total Amount of Revenue of State Economy
