WMP wider context/business issues by https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5 en-us 2024-10-30 10:57:00 UTC 2025-04-24 07:36:25 UTC hello@padlet.com https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194356197 C2C industry is predicted to grow between 2023 and 2030

]]> 2024-10-30 12:16:46 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194356197 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357122 Growing demand for fast, affordable, and transparent payment services (ex3, page 10)

]]> 2024-10-30 12:17:26 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357122 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357887 Not uncommon to double revenue in a year

]]> 2024-10-30 12:17:56 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357887 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357934 Acquisition

]]> 2024-10-30 12:17:58 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194357934 AI investment https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358335 2024-10-30 12:18:12 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358335 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358758 Customer price sensitive / price elasticity

]]> 2024-10-30 12:18:32 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358758 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358881 Consumer demand is growing for fast, affordable and transparent payment services

]]> 2024-10-30 12:18:39 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358881 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358955 C2C worth $1.8 trillion

]]> 2024-10-30 12:18:43 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194358955 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359212 Customers driven by low price and high quality of service

]]> 2024-10-30 12:18:56 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359212 1.8tn usd C2C industry https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359468 2024-10-30 12:19:09 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359468 Highly competive https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359491 2024-10-30 12:19:11 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359491 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359569 Price aware customers

]]> 2024-10-30 12:19:14 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359569 Offshoring bpqsw94f4z https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359678 Proposal to offshore part of support function to India

]]> 2024-10-30 12:19:19 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359678 Relocation (cf Birmingham news) https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359836 2024-10-30 12:19:25 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359836 Trans volume - 17,671 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359889 2024-10-30 12:19:28 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359889 France Partner https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359922 2024-10-30 12:19:30 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194359922 2024 forecasts https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360030 Revenue

EBITDA (2024 and 2027)

]]> 2024-10-30 12:19:35 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360030 price promotions https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360031 2024-10-30 12:19:35 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360031 Dropped by Hamilton https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360036 2024-10-30 12:19:35 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360036 Trend towards consolidation is increasing https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360049 2024-10-30 12:19:36 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360049 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360062 The World Bank estimates remittance flows to low and middle income countries is at c. US$ 656 billion per year (c. 36% of C2C transfers)

]]> 2024-10-30 12:19:36 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360062 WAVE OF CONSOLIDATION https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360175 2024-10-30 12:19:42 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360175 new corridors https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360209 2024-10-30 12:19:44 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360209 Invested in social media marketing and SEO in 2023 - may attract a younger audience https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360359 2024-10-30 12:19:52 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360359 3% take rate cap https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360451 2024-10-30 12:19:54 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360451 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360462 Wave of mergers and acquisitions (ex3, page 10)

]]> 2024-10-30 12:19:55 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360462 40% vol increase https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360500 2024-10-30 12:19:56 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360500 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360658 Forecast admin expenses to increase by 10% p.a

]]> 2024-10-30 12:20:03 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360658 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360707 Increase in remittances driven by global migration

]]> 2024-10-30 12:20:06 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360707 20% staff increase https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360723 2024-10-30 12:20:07 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360723 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360766 36% of all C2C transactions to low/middle income countries

]]> 2024-10-30 12:20:09 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360766 UN SDG 3% ceiling https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360841 2024-10-30 12:20:11 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194360841 Aim to increase average rev per user https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361179 2024-10-30 12:20:27 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361179 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361180 EBITDA 2024 target 77,576

]]> 2024-10-30 12:20:27 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361180 Cash advances below or equal to 2 days (forecast) https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361206 2024-10-30 12:20:27 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361206 Cor expected to go down as wmp gets bigger https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361476 2024-10-30 12:20:36 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361476 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361546 Positive cash flow (ex6, page 24)

]]> 2024-10-30 12:20:40 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361546 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361797 Revenue target: 173,883

COR Target: (44,354)

Admin Exp : (51,952)

EBITDA: 77,577

]]> 2024-10-30 12:20:49 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361797 Valuation exit based on EBITDA, priority https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361823 2024-10-30 12:20:50 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194361823 Other expenses expected to grow slower than revenue https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362083 2024-10-30 12:21:00 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362083 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362097 Increase in immigration has increased remittance

]]> 2024-10-30 12:21:00 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362097 Client expectations learning towards fast, affordable and transparent payment services, mobile access has increased https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362138 2024-10-30 12:21:02 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362138 EBITDA forecasted to be £77,577k in 2024 - unlikely, might impact valuation of WMP https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362575 2024-10-30 12:21:22 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362575 industry EBITDA multiples https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362624 2024-10-30 12:21:25 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362624 Valuation multiples range: 15x - 19x based on 2024 actual acquisitions https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362796 2024-10-30 12:21:33 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362796 Corridors https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362872 New corridors with emerging markets (African Continental Fee Trade Area and Chinas belt and road initiative) - Pg 10

]]> 2024-10-30 12:21:36 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194362872 Targets - Rev 173,833 K / Rev per transaction 9.84 https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363093 2024-10-30 12:21:46 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363093 2 day limit on cash advance days https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363366 2024-10-30 12:22:01 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363366 Revenue not seasonal https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363602 2024-10-30 12:22:09 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363602 Moving partners to post-fund https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363784 2024-10-30 12:22:17 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363784 Ye 2023- ebitda turned positive for the first time but still was behind target https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363996 2024-10-30 12:22:28 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194363996 Hamilton Break Even bpqsw94f4z https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194367594 EBITDA needs to reach at least £14,982k to break even on sale based off 14.6x multiple.

]]> 2024-10-30 12:25:17 UTC https://padlet.com/kaplaneducation/mq4vbzq629b2kbn5/wish/3194367594