Subject: Fwd: notes from yesterday
From: "Eric Schwerin" <[email-masked]>
To: "Hunter Biden" <[email-masked]>
Date: Thu, 23 Feb 2017 16:11:10 -0500

See below from call with Mati I referenced…...

Eric D. Schwerin
Rosemont Seneca Advisors, LLC
2900 K Street, NW
Suite 507
Washington, DC 20007
(202) 333-1880
[email-masked] <x-msg://59/[email-masked]>
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> Begin forwarded message:
> 
> From: Mati Bonetti de Buccini <[email-masked]>
> Subject: notes from yesterday
> Date: February 23, 2017 at 3:10:23 PM EST
> To: Eric Schwerin <[email-masked]>
> 
> 
> hello -
> 
> below my notes from the call yesterday.  two questions that come to mind:
> 
> 1. JV partnership - can you tell me what is involved, in terms of financing / responsibilities / etc - as i start talking with my brother about interest.
> 2. do you have models on what you are doing in other countries that you can share?
> 
> thanks,
> 
> fred, e-plata backround:
> currently working with the wynn group on gov’t & regulatory affairs
> started from a previous business idea, where the need for consumer payments via digital platform became v apparent
> began in mexico, with pilot program, partner in mexico: miguel aleman magnani
> europe, SEA and w africa are next
> paradox: most end users have devices (ex, peru has 130% mobile penetration rate, which is equivalent to 3 devices pp), but the gap is in the users inability or unwillingness to transact on the device
> e-plata provides a multi-currency digital wallet, allowing for peer to peer transfers, bill paying, to the unbanked and undeserved
> e-plata serves as an in-house partner for institutions, allowing flexibility, creativity and nimbleness
> jorge besosa, bhd leon:
> 40 years in banking, started on the retail side of BHD for 12 years and has most recently sen on the corp commercial side
> bhd is the 2nd largest and most profitable bank in the DR, working with various mobile and internet systems, cash management, payroll, remittances, etc
> bhd has had many projects trying to tap into the unbanked market
> the DR is a heavily regulated market - need to comply with on all fronts, regulations are highly enforced since 2003-2004; very compliant-oriented
> central bank contact: fabiola herrera, all payment mechanisms go through her advisory group
> ex: VIVUS, e-loans to unbanked market; compliance group looked into the details, noticed high rates for loans, and pro-consumer agency complained.  NOT allowed in DR.
> daniel gutierrez, BHD colleague from colombia, jorge to speak with him as he’s been working on a few things as well on this end for bhd
> next steps:
> fred will send deck, with overview and defining the value added from e-plata
> jorge will have a few conversations on his end 
> next conference call in 10 days or so
> 
> 
> 
> mati bonetti de buccini || 
> director, atelier delaware ||
> [email-masked] <mailto:[email-masked]> ||
> 646.251.0559
> 
> 
> 
> 
>