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  "documentTitle": "Paypal Confinity Wallet Banking Business Plan",
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  "notes": "This appears to be a page from the original Confinity pitch deck.",
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      "kind": "list",
      "text": "supporting electronic payment of bills;\noffering additional financial services, such as credit cards and wireless banking, with the possibility of accessing accounts anytime and anywhere;\ndeveloping a universal wallet, which will support multiple currencies and other payment systems (ATM's, traveller's checks); and\npartnering with online brokerage, eloan, and emortgage companies.",
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      "kind": "list",
      "text": "(4) Point-to-point infrared beaming of the MobileWallet software itself.\n(5) Integration with Quicken and other bookkeeping software.",
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      "text": "Ultimately, Confinity's mobile bank has the potential to become a consolidated platform from which users initiate, conduct, and manage all of their financial transactions.",
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      "kind": "paragraph",
      "text": "As electronic billing systems become prevalent, online and mobile customers will become increasingly “locked in,” as any change in banks would require them to redirect all of their billing information. Those who capture these banking customers early are likely to retain them for the rest of their lives.",
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      "kind": "paragraph",
      "text": "At the same time, the MobileWallet will provide a unique distribution system for educating potential customers about Confinity's mobile bank through a process of gradual integration: As a first step, wallet users can start receiving interest on their MobileWallet balances; later, they can shift to full-service mobile bank accounts.",
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      "kind": "paragraph",
      "text": "Once Confinity has developed a network of MobileWallet users, the MobileWallet platform can be extended vertically, by",
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      "kind": "paragraph",
      "text": "Because Confinity authenticates users to one another and clears every transaction, the company is placed at the hub of the growing MobileWallet payment system. As the Confinity network grows, the cost of transition to other authentication companies will become prohibitively high, creating an effective barrier to new entrants.",
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      "text": "Confinity's initial users will beam the MobileWallet software to others as the first step in beaming them currency. As a result of this process, the MobileWallet will spread from friend to friend, and user to user, as early adopters educate others about Confinity – all as a direct function of the real world, person-to-person nature of these early financial transactions.",
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      "text": "Mobile Banking: Vertical Integration of Financial Services",
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      "text": "Building A Permanent Competitive Edge",
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