Mobile Invoicing & Payment Solution

JEREMY L. LIMMAN
YOSIA SUGIALAM

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Why Us?
JEREMY LIMMAN
CEO & Co-Founder
jeremy@paper.id
Jeremy Leonardo Limman
is the business analyst for
Paper. His degree in
Industrial Engineering from
USC and experience from
Accenture and startups
were precursors to his
interest in Fintech and
Enterprise applications.
YOSIA SUGIALAM
CTO & Co-Founder
yosia@paper.id
Yosia Sugialam is the lead
IT in Paper. He graduated
with Computer Science
degree from UCLA and
MBA degree from Loyola
Marymount University in
Los Angeles. Yosia’s
passion in technology led
him to his stint at
Symantec and co-founding
of Lakuin which won
Ideabox competition in
2015.
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PROBLEMS

SOLUTIONS

MARKET ANALYSIS

FUTURE PLAN

WHY US?

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Business Owner’s Problems
THEY WANT TO FOCUS
ON THE FUN ASPECT OF
THEIR BUSINESS
Most business owners want to
start a business doing what they
love. For instance, a chef wants to
open a restaurant and focus on
cooking and creating dishes.
However, at the same time they
also have to deal with
administration and management of
the business.
FINANCE IS NOT
MANAGED WELL AND
HENCE MANY DON’T
KNOW WHETHER THEIR
BUSINESS IS DOING
WELL
Due to inexperience and small
scale, most business owners
struggle to keep their finances in
order. As a result, they have poor
understanding how well their
business is performing.
RELY ON SELF-
FINANCING AND/OR
INFORMAL FINANCING
SOURCES DUE TO POOR
ACCESS TO FINANCIAL
RESOURCES
The lack of proper financial report
and credential with financial
institutions will hinder their access
to financing. Hence, many still rely
on self-financing and/or non-formal
financing sources
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Their Pain Points

PROBLEMS PAIN POINTS

WANT (MORE) FREEDOM FROM

01 THE FUN ASPECT ACCOUNTING AND

ADMINISTRATION

LOSE TRACK OF A/R AND

PAYMENTS

02 FINANCE IS NOT MANAGED

WELL

TAX MISREPORTING

SELF-FINANCING AND/OR
03 NON-FORMAL FINANCING
SOURCES
LOSE TRACK OF
CASHFLOW

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Our Solution

OUR DATA-DRIVEN INVOICING AND PAYMENT

APP SOLUTION WILL HELP BUSINESS
OWNERS OVERCOME THEIR PAIN POINTS

 Create Invoice, receive payment and

track unpaid invoices and reconcile
payment easily
 Receive payments through various
mobile and online payment providers
 See a simple, automatically-
generated cashflow-based financial
statement PAPER PAPER

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Core Value Proposition

OUR CORE VALUE PROPOSITION IS TO ALLOW BUSINESS OWNERS TO MANAGE THEIR BUSINESS EASILY
AND EFFECTIVELY THROUGH EASY-TO-USE SOFTWARE, INTELLIGENT REPORTING AND PROVIDING
ACCESS TO FINANCE

$$$
EASY BUSINESS INTELLIGENT REPORTING
ACCESS TO FINANCE
MANAGEMENT AND INSIGHTS

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Technological Advantage

OFFERING MOBILE PAYMENT IS KEY TO OUR STRATEGY IN MINING VALID DATA OF OUR USERS AND
GENERATE INTELLIGENT INSIGHTS SUCH AS THEIR BUSINESS HEALTH AND CREDIT-WORTHINESS

Machine
Learning

Mobile Intelligent
Payment Insight

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Market Size

TARGETING AND CATERING TO ONLINE SELLERS WILL BE OUR PATH TO APPROACH THE SME MARKET

TOTAL SME’S 60,497,308 IDR 40.43 Trn 11.7%

Est. Software Sales in Indonesia in CAGR
2020

Cloud service delivery is driving the

ACTIVE SME’S 42,348,116 market forward by deepening the
market to the large pool of
Indonesian small- and medium-sized
enterprises and drive spending growth
SELF-EMPLOYED SERVICE
14,339,209 higher.”
PROVIDERS
-BMI Research

ONLINE SELLERS
600,000
1.92
Ave. no. of employee per SME in
2016

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Global Trends
REPLACEMENT OF PAPER INVOICE BY E-INVOICE IS RISING WORLDWIDE, WITH FASTEST ADOPTION IN
LATIN AMERICA AND EUROPE, DRIVEN BY GOVERNMENT INITIATIVE FOR TRANSPARENCY AND TAX
NORTH AMERICA COLLECTION
24% of customer bills
in are E-Invoices.
Majority favors direct
exchange of E-Invoice. APAC
Government is moving Relatively low E-
to E-Invoice by 2018. Invoicing adoption in
B2B and B2G. First
step is in B2C.
Advanced countries are
more likely to adapt tax-
LATIN AMERICA focused approach of
Latin America.
60-70% are E-Invoices. E-
Integration with E-
Invoice initiative is pushed
Procurement can be
by government for tax
the driving engine of E-
compliance. Data mining is
Invoice adoption
conducted to combat tax
evasion. Next step is full
electronic solution based on
XML file with digital
signature.
OPPORTUNITY LIES IN SETTING STANDARDS AND
Source: http://www.billentis.com/einvoicing_ebilling_market_overview_2016.pdf/
AUTHENTICATION FOR DIGITAL INVOICE EXCHANGE

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Our Milestones and Future Plan

OUR JOURNEY TO A THOUSAND USERS

Dec ‘17
600
THIS IS WHERE Intelligent Insights

WE ARE! Credit Rating 1,000

300 Financial Offering
100 Intelligent Reports
Mobile App Targeted Ads
Inventory Deal with five channel
Management partners
Payment Integration Deal with a Financing Aug ‘17
30 partner
0 Beta launch of Web
Deal with first channel
partner
Beginning of App
development Key BD Hire
API for Mobile
Feb ‘17

Nov ‘16
Aug ‘16
Apr ‘16
Technical Milestone Business Milestone
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WANNA HEAR MORE ABOUT PAPER AND THE TEAM BEHIND
IT?

Contact us at jeremy@paper.id or +62-812-8888-994

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