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NEW NASDAQ PROFILE: AppTech Payments Corp (APCX)

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AppTech Corp.

AppTech has 17 patents related to payments, mobile data, and communication

Management and the board own approximately 13.6% of the outstanding shares

MasterCard and VISA have signed on and are fully integrated in. (6)

Hello Everyone,
The digital payment market is growing at a rapid pace and is expected to surpass $19 trillion by 2026. This is due to the increasing use of smartphones and the internet.(16) In addition, the number of people using digital payment methods is increasing. Digital payments are on the rise as consumers shift away from traditional methods of payment. The future of digital payments looks extremely bright, with more businesses and consumers embracing this convenient and secure way to pay. There are many reasons why digital payments are becoming more popular. For businesses, digital payments can help to reduce costs associated with processing traditional methods of payment, such as credit cards and checks. Digital payments are also more secure than traditional methods, which can help to prevent fraud and other crimes. The massive shift from traditional payments to digital payments could present a tremendous opportunity for technology companies in the Fintech Space. While there are several large-cap financial institutions attempting to gain a foothold in this space, one small-cap company that appears to be extremely well-positioned for this trend is AppTech Payments Corp. (APCX). Through the recently launched Commerse platform, the company has significantly expanded its offerings. Commerse allows businesses to accept payments through credit cards, digital wallets, cryptos, and POS machines, across a wide range of sales channels including physical stores, online, mobile, and social media platforms. The platform also offers additional features such as text-to-pay, buy-now-pay-later (installment payments), crypto payment options, and certain banking capabilities. Currently, businesses have to avail of individual services from various third parties to attain these capabilities.
  • AppTech is a financial technology (fintech) company that just launched a platform (Commerse™) offering digital payment processing solutions, and certain banking capabilities (such as cross border transactions, currency solutions, and installment payment options) to merchants, businesses, and retailers. (18)
  • The global Payments as a Service (PaaS) and Banking as a Service (BaaS) markets are expected to grow from $85B in 2022, to $384B by 2030, reflecting a CAGR of 21%. (18)
  • Since 2013, the company has been generating revenue by offering payment processing solutions (legacy business) so businesses can process credit/debit card transactions.(18)
  • The company supports over 100 small to large merchants, and has partnerships with various payment processing companies to meet their clients’ requirements.(18)
  • Through the recently launched Commerse™ platform, the company has significantly expanded its offerings, by adding features such as text-to-pay, buy-now-pay-later (installment payments), and cry-p-to payment options. Commerse™ also allows businesses to accept payments through credit cards, digital wallets, cry-p-tos, and point-of-sale (POS) machines across a wide range of sales channels, including physical stores, online, mobile, and social media platforms. (18)
  • AppTech’s initial goal is to upgrade and onboard its existing clients to Commerse™, while targeting new clients. AppTech will receive a percentage of their clients’ transaction volume as processing fees. (18)
  • Fundamental Research Corp. believes a key strength of AppTech is its IP, including 17 patents. According to management, their patents have been quoted in 500+ other patents. Fundamental Research Corp. has verified a few, and have confirmed that several large companies (such as Microsoft/NASDAQ:MSFT, AT&T/NYSE:T, and JP Morgan/NYSE:JPM) have cited AppTech’s technology in their patents. Fundamental Research Corp. believes there is a possibility for AppTech to generate licensing revenue from these companies. (18)
  • Upcoming catalysts include onboarding initial clients to Commerse™, and/or potential for licensing agreements. (18)

Partnership with Large Players

  1. Total Systems Services/Global Payments (NYSE: GPN/MCAP of $32B)
  2. JetPay(NASDAQ:JTPY/MCAPof$79M)
  3. Harbortouch Payments, a subsidiary of Shift4 Payments Inc. (NYSE:FOUR/MCAP of $2.6B)
  4. CynergyData/PriorityPaymentsSystemsGroup
  5. Fidelity National Information Services Inc. (NYSE: FIS/MACAP of $48B)
  6. Cardconnect/Fiserv Inc. (NASDAQ: FISV/MCAP of $63B).
  7. Worldpay from Fidelity National Information Services Inc.


email this chart printer-friendly formatNo one EVER got rich following the crowd

During the early 2000s, in the halls of Harvard University, an economic theory around banking software was created. This theory is called the “red ocean, blue ocean”.(7)

The Red Ocean includes all of the big merchant processors and all the banking software companies that are picking each other apart in price wars in an ocean of big money. That makes for very bloody or red waters.

The Blue Ocean is where AppTech swims. There’s no blood but there’s $2.5 trillion in liquid cash sloshing around. (2) In fact, they created their own blue ocean. They found a market where money is already being spent – they entered that market with an entirely new solution that’s cheaper, better, and faster.

The Red Ocean dwellers are left standing in disbelief – they operate on the assumption that it’s not possible to do what AppTech has done.

Re-Shaping the Future of Finance

AppTech has created the ONLY single platform that does both sides of the banking and merchant processing in the world – AND it has all the compliance portions built-in. (6)

AppTech’s channel to market is B2B2C. Their clients are the large digital platforms as well as large brick and mortar store chains already using banking and merchant services.

Once they set up these clients, the end user is automatically in the process. This includes the Web and Phone/SMS sales.

The big reason it is going to be hard to beat AppTech – ever – is their patents. They have seventeen impenetrable patents assigned. These patents are powerful and cover any invoicing or sale between a computer and computer, a computer and cellphone, and cellphone and a cellphone. It could be said, everyone in the world might be breaking their patents right now. They have not looked to enforce them…yet.

Robust Patent Portfolio

NASDAQ: APCX
That said, to avoid conflicts many companies reportedly have stated they want to switch over to AppTech’s system when the final platform is released.

Mobile Commerce Framework

View Patent 7,693,752 | View Patent 10,600,094

View Patent 8,554,632 | View Patent 10,621,639

View Patent 8,799,102 | View Patent 10,846,726

View Patent 9,436,956 | View Patent 10,846,727

View Patent 10,102,556 | View Patent 10,909,593

View Patent 10,127,592 | View Patent 11,107,140

View Patent 11,354,715

This newly acquired patent portfolio is focused on the delivery, purchase, or request of any products or services within specific geolocation and time parameters, provided by a consumer’s mobile phone anywhere in the United States. This portfolio houses the patent that protects all advertising on a mobile phone, including in a store’s mobile application.

System & Method for Delivering Web Content to a Mobile Device

View Patent 8,073,895 | View Assignment for Patent 8,073,895

View Patent 8,572,166 | View Assignment for Patent 8,572,166

These patents allow companies to send URLs in text messages. They are responsible for helping to create the industry protocol known as Wireless Access Protocol (WAP) Push. WAP is very commonly used when you receive a text message with a link to download content or an application to your mobile phone.

Mobile-to-Mobile Payment System & Method

View Patent 8,369,828 | View Assignment for Patent 8,369,828

This patent was developed for moving money from cell phone to cell phone, person to person, or person to business. We believe it sparked the creation of the P2P (Peer to Peer) Payments industry by allowing users to move money by text message, click, tap, or scan.

Computer to Mobile Two-Way Chat System & Method

View Patent 8,315,184 | View Assignment for Patent 8,315,184

This patent allows for communication from a computer to a mobile phone device via SMS text messaging. This technology is mostly used in social media messenger apps or chat features. When chatting with your friends on your favorite platform, the messages are not moving from cell phone to cell phone. Rather, the messages you send through your phone are sent to the app’s computer, processed, and then routed to the receiver’s mobile device.

This Company Is Set to Become the Next Giant in the Explosive “Fintech Boom”

According to a report by JPMorgan, by 2025, widespread adoption and greater use of digital financial services could increase the gross domestic products (GDP) of all emerging economies by 6%, or $3.7 trillion, creating 95 million new jobs. (14)

This potential is already being realized. Today there are at least six payments and fintech
unicorns — i.e., startups valued greater than $1 billion — in Africa alone. (14)

Designed and built from the ground up to be a single solution.

The platform was envisioned to be for everything from receiving money to all the banking services. They set out to create the ONLY single platform that does both sides of the banking and merchant processing in the world.

Today’s systems require a ton of programming using the current patchwork solutions. This is because the systems in place were designed before all these new channels (SMS, Web, etc.) to the consumer ever existed.

With today’s systems, the databases are all talking to each other, and all the systems are intertwined – if you make a change in one place, who knows what else is going to get affected?

Cheaper. Faster. Better.

With AppTech, integration fees are lower and the cost to create and maintain a great user experience between all the sales channels. In-store, online, phone etc. is 25% the cost of upgrading or developer costs.

The bottom line is the integration of the AppTech’s solution in a large enterprise is millions of dollars cheaper and hundreds of thousands cheaper in a midsized company.

MANAGEMENT

Luke D’Angelo – Chairman, CEO, CIO, Director

Mr. D’Angelo has been the Chairman of the Board since 2013, Chief Executive Officer since December 2019. Mr. D’Angelo has over 25 years of experience in real estate, investment banking, venture capital, and commercial operations. In 2006, he founded a merchant services company, Transcendent One, Inc. In 2009, Mr. D’Angelo founded TransTech One, LLC, a subsidiary to Transcendent One, Inc., which is focused on the bill payment and technology industries.

Gary Wachs – CFO, Treasurer, Director

Mr. Wachs is a director since 2013 and Chief Financial Officer since 2013. Mr. Wachs is a Certified Public Accountant with experience in high-level accounting, Finance, and tax. Mr. Wachs served as Managing Partner of Blake and Shaffer, a Certified Public Accounting firm, and has been a Managing Member of Blake and Wachs CPA, LTD (formerly Blake and Shaffer) since 1997.

Virgil Llapitan – President

Mr. Llapitan has experience in the banking industry. In 1989, he founded his own independent insurance agency and transitioned into the merchant service industry in 2004. There, he developed and marketed the original ACH Payment Processing systems for online merchants as the Chairman, COO, and Director of HIMC Corp. Mr. Llapitan also served as a Universal Banker II for Ameris Bank and Bank of America and Director of Sales for merchant services for Transcendent One.

Ben Jenkins – Chief Technology Officer

Mr. Jenkins is a start-up Founder, Chief Executive Officer, and software innovator who has developed new business lines for large corporations and technology start- ups in the last 20 years. He played a key role in developing the payment infrastructure (PayFac) now responsible for processing billions of dollars annually in non-profit donations. Mr. Jenkins also started a near-shore cross-border software innovation and development company in Mexico while continuing to serve as a software and payment consultant for large companies and private equity firms.

Chad Nelley – Chief Operating Officer

Mr. Nelley is a business executive for start-ups to Fortune 500 companies with over 25 years of experience in sales, marketing, customer success, information technology, project management, finance, human resources, business intelligence, organizational development, procurement, legal, retail distribution, fulfillment & logistics, and real estate and facilities.

Kaylei Wright – Chief of Staff

Upon joining AppTech in 2018, Ms. Wright developed the initial branding and led efforts within the investment community to deliver a successful IPO and Nasdaq listing. She continues to work hand-in-hand with marketing and organizational leadership to curate, define, and shape messaging suited for investors and the general market.

Marc Evans – Corporate Secretary

Mr. Evans has worked with AppTech since November 11, 2013 an an Associate and a Director of Business Development. He was a partner at an independent insurance agency and was licensed in property & casualty and life & health insurance for 13 years. During that time, he sat on the agent advisory & technology committee at Mercury Insurance Group.

SINCERELY

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Source 1: https://www.mckinsey.com/cn/our-insights/our-insights/seven-technologies-shaping-the-future-of-fintech

Source 2: https://www.businesswire.com/news/home/20211124006042/en/Global-Digital-Payment-Market-Report-2021-Transactions-Worth-7-Trillion-is-Expected-to-Shift-from-Cash-to-Card-and-Digital-Payments-by-2023—Forecast-to-2028—ResearchAndMarkets.com

Source 3: https://www.digitaltransactions.net/consumers-say-friction-is-a-leading-cause-of-late-bill-payments-especially-online/

Source 4: https://www.marketingdive.com/news/brands-could-lose-fickle-gen-zers-over-poor-digital-experiences/598522/

Source 5: https://www.paymentsjournal.com/community-banks-embrace-third-party-platforms-to-empower-growth/

Source 6: https://apptechcorp.com/digital-banking/

Source 7: https://www.clearpointstrategy.com/blue-ocean-strategy/

Source 8: https://www2.deloitte.com/us/en/pages/finance-transformation/articles/finance-digital-transformation-for-cfos.html

Source 9: https://www.macrotrends.net/stocks/charts/AMZN/amazon/shares-outstanding

Source 10: https://tinyurl.com/3pb5jpyh

Source 11: https://tinyurl.com/ycxmv76j

Source 12: https://tinyurl.com/2p988yvf

Source 13: https://www.prnewswire.com/news-releases/global-payment-gateway-market-anticipated-to-garner-a-revenue-of-67-434-4-million-by-2028–growing-at-a-cagr-of-16-6-from-2021-2028–exclusive-report-223-pages-by-research-dive-301391554.html
Source 14: https://www.jpmorgan.com/content/dam/jpm/treasury-services/documents/jpm-payments-are-eating-the-world.pdf

Source 15: https://apptechcorp.com/company/#intellectualProperty

Source 16: https://www.globenewswire.com/news-release/2022/09/19/2518187/0/en/With-24-4-CAGR-Digital-Payment-Market-Size-worth-USD-19-89-Trillion-in-2026.html

Source 17: https://journey.ct.events/view/a1bdc8ca-df90-45ae-9fd4-97a4cb02b7cc

Source 18: Source 18: https://22007752.fs1.hubspotusercontent-na1.net/hubfs/22007752/Apptech%20-%20Nov%202022%20-%20Initiating.pdf?utm_campaign=us_apcx&utm_source=apcx_report

Source 19: https://www.barchart.com/stocks/quotes/APCX/price-history/historical

Source 20: https://infinios.com/wp-content/uploads/2021/08/finance-e1614679295359-p3mcmm82d3fkmoh3qq8txmwofxgwrcggm5da3gdy68.jpg

Source 21: https://www.forbes.com/advisor/wp-content/uploads/2020/08/getty_what_is_fintech_080220pm_jpg_yvtZYBW2.jpg

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