Calpian, Inc. (CLPI) Targets Multiple Markets and Revenue Sources

MissionIR would like to highlight Calpian, Inc. (OTCBB: CLPI), a leader in the U.S. business processing credit and debit card payments for small retail stores. The company is more than doubling cash flow each year. It has forged a powerful combination of steady cash flow in the U.S., and explosive growth potential abroad in India. Both business units are growing fast and creating huge value that has so far gone largely overlooked due to the company’s rapid rise.

In the company’s news,

Calpian continues to expand its transaction processing operations in both the U.S. and Indian markets. In the U.S., Calpian, among other things, is a leader in a portion of the electronic payments industry known as merchant acquiring. Specifically, Calpian purchases recurring monthly income streams derived from credit card processing fees paid by U.S. retail merchants. Small and medium size businesses typically buy credit card processing services from ISOs (Independent Sales Organizations) that in turn work with one or more credit card processors. Calpian buys residual portfolios from ISOs that originated the contracts with merchants. Calpian also acquires ISOs who maintain sales forces to engage merchants directly and arrange credit and debit card processing services from processors.

In addition, Calpian has a growing financial position in India’s Money on Mobile service (MoM), a mobile payment processing service in India. It is believed to be the largest store network for mobile phone based transactions providing mobile top-up and DTH (Direct To Home) recharge services in India. MoM has identified two potential revenue streams. Its business model generates revenue from phone and TV bulk buying discounts (a proven current source of revenue), and consumer fees (3% per transaction) applied to transactions not involving purchase of a service.

First is via business-to-business (B2B) activity, consisting of the reselling of prepaid phone and prepaid TV time to retailers who then resell that time to consumers. This activity is currently operational and generating revenues.

The second way MoM plans to generate revenue is to empower consumers to use their cell phones to make payments directly to vendors and other consumers. Such direct person-to-person transfer payments are known as domestic remittances. According to BankNetIndia, the total transaction value of domestic remittance in India stood at $13.0 billion in 2010 with 80% of domestic remittance directed towards rural areas. This overall market is expected to reach about $20.3 billion by 2014, growing at a compound annual growth rate of 12%.  

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Forward-Looking Statement:

This release may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All forward-looking statements are inherently uncertain as they are based on current expectations and assumptions concerning future events or future performance of the company. Readers are cautioned not to place undue reliance on these forward-looking statements, which are only predictions and speak only as of the date hereof. Risks and uncertainties applicable to the company and its business could cause the company's actual results to differ materially from those indicated in any forward-looking statements.