Divisé The new way to pay
Canvas Customer Segment Which classes are you creating values for? Groups who require bill payment: Teenagers, Adults
Bills; rent, utilities, food, group outings (ie restaurants, social engagements, sporting events) Who is your most important customer? Roommates who need to come together and pay a single bill together.
Value Proposition What core value do you deliver to the customer? Making group bill payment fair and fluid Which customer needs are you satisfying? Missing platform to pool group funds and submit payment to vendor w/ virtual card option
Distribution Channel Through which channels that your customers want to be reached? Mobile devices How much do they cost? How can they be integrated into your customers’ routines? Free (w/ contract) - $800.00, Most already have one.
Customer Relationship What relationship that the target customer expects you to establish? A secure relationship with divisé, and a fair relationship with their group. The customer will not have to think twice about the safety of their funds and no longer will one feel cheated by their peers on expenses.
Revenue Stream
Revenue Streams: Credit payments (5%), Advertisements (Ads act as complements to specific bill payment, i.e. Ikea home improvement ads when paying rent, Groupon food deals when paying at restaurants.)
For what value are your customers willing to pay? Convenience, fairness, security
What and how do they recently pay? How would they prefer to pay? Visa and Mastercard Debit/Credit Card, Apple Pay. Prefer to pay w/ virtual card. How much does every revenue stream contribute to the overall revenues? Debit: 0%, Credit card: 15%, Advertisements: 85% Key activities What key activities does your value proposition require? Creating a user friendly interface with zero confusion Secure platform that eliminates customers ability to change percentages unless agreed on by parties Making a safe way to send money
Key Resource What key resources does your value proposition require? Encrypted money sending What resources are important the most in distribution channels, customer relationships, revenue stream…? Advertising, Merchant relationships, Branding
Key partners: Who are your key partners/suppliers? Businesses that support Apple pay, Landlords b.What are the motivations for the partnerships? Security Cost Structure What are the most cost in your business? Encryption/Security Hosting Database
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