Melville Marketing Knowledge Base | Original Maltix Business Plan

· Data use shifts: The global use of data by smartphones, now exceeds that used by all other platforms. Research shows that this trend will continue to increase.

· What’s New? QR codes currently only point to one or two destinations, MaltixQR codes point to multiple destinations and multiple Business Applications, all accessible on Smartphones (and Tablets, Laptops, Desktops, and Internet Devices).

· We disrupt existing markets: by finding, understanding, and leveraging new developments in technology to dramatically reduce the cost of putting business applications in the hands of entrepreneurs and SMEs, while significantly increasing functionality - and all available on smartphones, and more.

· Longevity: The MaltixQR codes themselves do not change over time, but what they point to, is updatable in real time, either by users, or Maltix VA’s or by the Maltix back office

· The Core idea: The radical idea is that Maltix becomes the interface between the entrepreneur businessman and the business assisting tech.

· Ease of use: The Entrepreneur/SME no longer has to learn how to set up the tech, they only have to learn how to use it to do their business.

· A unique offering: is that any client or affiliate can opt for a human VA to set up their subscription and business services for them.

· Customer support: There is also a state-of-the-art chat system (voice and or Text) manned by human VA's, 24x7 assisted by an AI driven knowledge base and with the capability of passing the chat directly to a director or tech support.

· Competitors: As far as can be determined at present, there is no direct competitor to the MaltixQR offering.

· Sales Channels: The main sales channel will be via an affiliate scheme particularly focused on enrolling membership organisations as early as possible.

· Marketing mix: The full range of the marketing promotional mix will be deployed, including exhibitions, adverts, networking, and, of course, social media.

· Brand Loyalty: A beta test tribe has already been established and a number of paying users have joined this group to assist us in; testing, roll out, and development. There is also a MaltixQR tribe for all our partners and supporters.

· Marketplace: Our theoretical target marketplace worldwide for businesses between 1 and 20 staff is easily in excess of 40 million.

· Revenue model, we have a relatively modest set up charge, and recurrent monthly income for the duration of a service, with 1 year minimum being the default, with the probability of upselling to higher service levels as time progresses. We are experiencing this already.

· Estimated Fee mix and Break-Even point: On the basis of these charges and deployment mix we should achieve break even, just short of 260 total service sales in less than 3 months. MaltixQR Corporate and other sales will be a bonus.

Service

Monthly Fee

Set-up Fee

% of Servicces

BiziCard

10.00%

PhoneSite

40.00%

Business Apps

261

25.00%

PWA

750

15.00%

Corporate

250

10.00%

· Market Penetration and Profit - All of our assumptions rely on making about 209K service sales in five years from a marketplace exceeding 40M million users. We consider this easily achievable.

· Profitability: Growing organically on zero funding, we should be in profit, by the 3rd month of operation presupposing that we meet the levels of achievements and activity stated. Present indications are that we should do that comfortably.

· Exposure: If we rely on organic growth, we face a potential cash flow exposure of up to £100K persisting for perhaps three months. This scenario also risks losing some first mover advantage and this is why we are considering loan or equity funding as an option.

· Prospects: We believe that, on current indications, it should be possible to grow, survive, and become profitable, organically (perhaps with factoring support), without any investment. However, this will take longer. That, in turn, exposes us to the risk of losing first mover advantage. Comprehensive modelling shows that Maltix QR could generate 1 billion profits in just over five years, with annual profits of 5.6 million in year one, rising to about £481 million in year 5 for a five-year total of £928 million.

· Valuation: Taking the five years above as representing a purchase valuation of 5 times earnings, would not, in our view, be unrealistic.

· Funding: We are looking for initial funding and, given how disruptive our approach and uses of technology will prove to be, we will be happy to discuss your perceived value for our business, or part thereof. This is likely to be in at least 8 figures.

· Governance: We are prepared to consider funding on: equity, profit share, loan, or factoring bases and would be happy to consider, a funder’s board member’ in either non exec’ or business assistance functions.

· Investment:-We can see that a venture capital investment might take at least one of three modes.

§ Firstly, by non-equity funding, as an interest-bearing advance to be redeemed over a set period.

§ Secondly, as an equity purchase for part of the business, run by the existing but augmented board.

§ Thirdly, as 100% equity purchase for the business where the current board would be prepared to accept service contracts for one or two years to ensure that proposed developments can be implemented seamlessly by the new owners.

§ We are open to offers on any of the above basis.

· Green and Sustainability Gains

§ We estimate that adopting Maltix tech, compared to website hosting or dedicated apps, will reduce your GREEN footprint and power consumption by as much as 90%.

§ Our approach to creating smartphone-oriented business applications, especially comparing our PWA offering with websites, is significantly more green, and sustainable, than alternate solutions. For Apple, for example, we found 99.84 % less memory is required on the average Smartphone compared to the iOS APP.

§ The same is true in terms of the time taken, flexibility, reduced code requirements, and energy used to transmit and store data.

2. MaltixQR the Case for Funding 2.1 Introduction

Some time ago, Maltix realised that where the majority of the volume of data being used on the Internet was used had changed from desktops and laptops to smart phones and tablets. It became obvious the way business, particularly small businesses, used and accessed the data, was changing but needed to be made more flexible and effective.

This led Maltix to investigate whether the well-established QR technology could not be better Applied to a smartphone environment, to significantly increase the number of tasks and the range of options available to the businessman, particularly those constantly on the move.

The result is the new MaltixQR range of services outlined below.

We also realised that, for modern solopreneurs and small businesses, there is, increasingly, the need to be able to use a variety of what might be described as tech, particularly involving AI, but in such areas as, CRM and business automation, but that, most of the companies supplying these solutions, require users to achieve, sometimes considerable amounts of, technical expertise within each of those platforms.

Many entrepreneurs would regard taking on board that knowledge from one of these platforms as onerous particularly since they would probably only need to do that once and the rest of the time, they would simply be running the packages.

Maltix realise that there is a space in the marketplace for somebody who provides those services to the users but acts as an interface between the users and the tech community learning what was necessary to make things work providing a VA service to onboard those users without them having to learn the tech because the Maltix VA could learn the tech once and use it for many users and at the same time have a back office team able to take on board new tech, understand the implications of where it is, and what it does, and, more importantly, work out how it best supplies useful services for solopreneurs and entrepreneurs.

We are unaware of anybody else in that space, at least for the moment, and that this satisfies a niche in a marketplace that is at least 40 million strong, and quite possibly more.

All that remains, is to obtain a source of funding, to move the business forward, and protect its first mover advantage.

2.2 Disruption of Existing Markets

“With pricing entry levels at a fraction of the cost of establish website provision Maltix anticipates major disruption within the established industry.

Glacial and long-winded website projects are a thing of the past with the majority of BiziCard and PhoneSites built within 24 hours alongside the QR ready to print business cards and stationery.

24x7 chat support can manage all changes and iterations from day one.

Market research suggests that huge unhappiness with disruption and effectiveness in websites for small business, paradoxically and simultaneously, with a major upheaval within the website and associated design industries because they continue to totally misunderstand, the effectiveness of in situ, QR and associated ideas” - William Nicholls, CEO, Maltix.co.uk

2.3 Maltix Ltd.:

Maltix was founded in July 2019 as Bespoke Malta working on back-office software in the Hotel industry and renamed Maltix Ltd. in May 2022 as it made the transition to QR Business Solutions. The current Directors and Shareholders are William Nicholls, Charlotte Dillon, and Maurice Watts. It is listed at the UK Companies House as ‘Active’ and has been since its foundation. All submissions are up to date and in order.

Company Details: - Maltix Ltd.

VAT Number 388 4481 46 Company Number 12091935

71-75 Shelton St, Covent Garden, London, WC2H 9JQ

Our terms and conditions of trading may be found at:

https://maltix.co.uk/terms-and-conditions/

3. Driver for MaltixQR 3.1 The current situation

QR codes currently perform a range of tasks. Commonly these are typically:-

· Website redirection

· Product information

· Payment processing

· Marketing campaigns

· Event registration and ticketing

· Wi-Fi login

· Social media

However current QR codes, typically, only do one or at most two of these tasks. MaltixQR by comparison leads to a multitude of destinations, depending on business requirements.

3.1.1 The Maltix Purpose

We have realised that MaltixQR’s real business and mission is that we at are actually providing a human driven, AI assisted, interface between the Tech/tech-teams/Apps and the Business users, by providing business solutions, accessible on a smartphone, via a simple QR code, so that the Business users don't have to learn it all.

3.1.2 The Development and Origins of Maltix Services

Somewhere around 2017, whilst working on the back-office software for multi-million-pound timeshare hotel businesses, and having engaged in complex technology to do so, our CEO, William, had developed a sophisticated system that allowed people who own timeshares to rent the weeks they had, out to people who could use them.

Covid had a big impact on the business and whilst home-bound he changed his thinking processes and focussed on how he thought the future was likely to be.

He concluded that SMS and other small businesses would be likely to do more and more of their business on smartphones not desktops. However, there were virtually no business systems around that made doing that easy, let alone viable. It turns out that, that is indeed the case, in that over 60% of business is now conducted over the smart phone, even though the predominant technologies are PC based and built for PC activity.

He concluded that:-

“There are four advanced elements of technology that can be rented, off the shelf, to achieve revolutionary change. These are: QR solutions, Progressive Web Apps (PWA), White Label Solutions and Smart Phone Page Solutions.”

So, in combination, the beginnings of a business model began to form. It was at this point in February 2023, that, after four years and over 50,000 hours of research, writing and development that he invited Maurice Watts to become his marketing director to help take MaltixQR to market and the SME business population.

In the mean-time William had become involved with technical assistance in India. That part of his work and research, goes back four years and this experience allows Maltix to integrate with, and improve functionality for, for example, the “My Most Trusted Network” lead development system, and that, through LinkedIn and, in tandem with ‘Tawk.to’ global chat system allows us to manage virtual assistance around the planet via Most Trusted,(among other routes) linking into our chat room facility with its AI assisted Knowledge Base.

After four years of development, he now has a clear vision of what it will take to take Maltix to market and successful growth, profitability, and longevity.

Whilst this is primarily for customer support, we will also use it for marketing to clients for publishing and leveraging the knowledge base for acting on the wants of subscription-based solutions for our clients worldwide.

In fact, Maltix is a mass production model for small business with a huge focus on the removal of the pain of websites, the time consumption of websites, and the cost of marketing websites to be effective using search engine optimisation. We are the first company in the world to adopt V-Card solutions for transferring information from one phone to another in the form of contacts, thus revolutionising the traditional business card through QR on the reverse. Maltix has adopted PhoneSite™ technology which is specifically built for the smart phone and connects to the myriad of channels that smart phones require to make small businesses more efficient.

With a simple phone interface, that Servicing can be changed, at any time, for the client, simultaneously. Within our subscription model we introduce our clients to the client’s most trusted network in what we believe, is the one of most advanced marketing techniques on the planet, using LinkedIn.

3.1.3 Energy Savings, Green and Sustainability issues

We estimate that adopting Maltix tech, compared to website hosting or dedicated apps, will reduce your GREEN footprint by as much as 90%

3.1.3.1 The code and energy reduction.

This information results from discussions with suppliers on 11/08/2023

As a result of those discussions, we realised that our approach to creating smartphone-oriented business applications, results in much less power consumption, for example, by using PhoneSite compared to hosting and running a website.

The same is also true when we compare our PWA offering with the website not just in terms of the time taken flexibility and dramatically reduced code requirements but in the actual energy used to transmit and store data as well.

That reduction might be up to 90% since there is less clutter, noise, and more data signal.

For example:-

· One PhoneSite (with many “Pages”) will have a data of around 1 MB.

· Usually, a single webpage will have around 10 MB.

· For Apple, we found 99.84 % less memory to be required on the average Smartphone compared to the iOS APP.

Hosting costs are very low because only 1 code instance is running instead of hundreds of WordPress instances.

3.1.3.2 Savings

We estimate that adopting Maltix tech compared to website hosting will reduce your GREEN footprint and energy consumption, by as much as 90%.

3.1.3.3 Additional Reading

See Appendix 6.

4. The MaltixQR solution range 4.1.1.1 Introduction

Having become aware that the volume of data handled online by smart phones now exceeds the volume handled by desktops and laptops MaltixQR realised that a smartphone friendly answer to handling business data, both for individuals, and enterprises, could be had by making QR codes do much more than the examples quoted above.

is best described by comparing a QR code that only goes to one or two destinations with a QR code which is actually a portal to a whole range of different software including, but certainly not limited, to:

· V cards

· Video and other multimedia output

· Social media links and feeds

· CRM systems

· PWAs,

· and more

4.1.2 The Maltix Services 4.1.2.1 Introduction

Maltix has a range of services from the simplest, at MaltixQR Bizicard (which still has several more times the functionality of the QR tasks listed in our introduction); all the way up to MaltixQR Custom, which is home to a range of, highly sophisticated, customised, solutions, each tailored, to a specific individual business need, and beyond.

These are:

· MaltixQR Bizicard

· MaltixQR PhoneSite

· MaltixQR Business Application

· MaltixQR PWA

· MaltixQR Corporate

· MaltixQR Custom

· MaltixQR VA

· And soon - MaltixQR Ultimate

4.1.3 MaltixQR Bizicard

MaltixQR Bizicard Provides : –

· A vCard, which is essentially an online business card, this enables you to send contact information in a format that can be easily read in all other programs.

· A vCard is saved as a vcf file, which is the Internet standard for sharing contact information.

· Prospects can import, or export, a virtual card, (vCard) direct from their smartphone.

· vCards contain all your contact information and can be changed at any time.

· You only need to ever print one version of it, because your QR always stays the same within your subscription. This means that you can change the look and feel and call to action for different print or social media campaigns including the carcass style around the outside.

· If you move, or your details, change it can be updated in real time because your QR image doesn’t change.

There is also a Real Person onboarding option which is Highly recommended.

VA for your onboarding Example MaltixQR Bizicard

jju https://qrco.de/melville?trackSharing=1

4.1.4 MaltixQR PhoneSite Provides:-

Everything in MaltixQR Bizicard PLUS: –

· A fully branded PhoneSite

· A QR code fully branded to your #hex colours.

· PhoneSite URL with your name, position, or Business name

· Immediate username and password for PhoneSite back office

· Your logo

· Your bio

· An elevator pitch video creation

· Five pages to explain your business - All with images.

· Links

· PhoneSite EXAMPLES

· Social media links

· Email links

· All your contact links

· A Five image carousel with touch throughs,

· Five pages to explain your business.

· Branded QR to print onto your business cards.

· A choice of QR Carcass designs (We will help you)

· A QR URL of your choice

· Real Person onboarding option - Highly recommended

· Click or Scan

· Your PhoneSite will be up and running on the day.

· LEAD GENERATOR

VA for your onboarding - Phone Card Scan or Click/Touch

https://qrco.de/bdVDQv https://www.bizicard.in/marketingdirector

4.1.5 MaltixQR Business Application 4.1.5.1 MaltixQR Business App. Provides –

Everything in MaltixQR PhoneSite plus:-

· A bespoke research / data collection Smart form connected to your QR.

· Lead Generation and detailed information Capture with:-

§ Dedicated QR code

§ Reporting system.

· Leads automated to up to 3 email accounts.

· Customisable smart form

§ Branching logic to auto send emails or web pages, QR links or more Smart form Pages to the person who submitted the form.

§ Automated customer reassurance emails

§ Seamless Company branding from QR landing page to Form Page

· Future proofing for CRM and data automation use

· Likert available for Surveys

· DocuSign automatic signature request on submission of Form page

· A Shop option for up to 10 products or services

§ Integration with PayPal, Square, E-Pay, FreshBooks, Chargify, and Stripe

· A QR linked upmarket 60 second AI Avatar Actor video describing your business and added to PhoneSite.

· Client Relationship Management (CRM) for beginners

· Dedicated QR landing Pages for the ever-changing world of your subscription QR.

· All with professional expanding welcome screen

· Choose logo or Photo.

· Welcome screen.

· Volunteered data collection automation

· QR Scan or Click reporting system.

· Total and unique Scans

· Operating system

· Top Countries

· Top Cities

· CSV downloadable on request

§ QR Campaign monitoring

· QR Print campaign monitoring.

§ QR Show or Event monitoring.

§ QR Business Card monitoring

§ QR Smart Form Page monitoring

§ Google friendly

§ Google analytics tracking

§ IP address capture option

· Over 20 QR carcass choices

· Always fully branded to your exact #hex codes

· Multiple Call to actions available PER QR (Max 15 letters)

· QR landing page options with unique shareable URL and a QR that never changes.

4.1.5.2
MaltixQR Business Application - Function Table 4.1.5.3 The Features and Benefits of QR landing pages.

· In situ QR solutions (Choice of five, but more on Application)

· QR to Website

§ Change the Website link at any time.

§ Change the QR Call to action to promote the link ( Less than 15 letters)

§ QR to Calendly or Linkedin

§ QR to CHAT

§ QR to booking form.

§ QR to survey

· Social media links

§ A very popular landing page because it has so many options

§ A hugely versatile landing page we can advise you on

· QR Coupon and discount service

§ In situ discount campaigns

§ Single use discount vouchers

§ Coupons that share on social media

§ QR Call to action can change !

· QR Business information page

§ For the Classic professional business look

· QR Feedback servicing system

§ Star one to five

§ Choice of Questions and can be changed within your subscription.

§ No prescriptive questions

§ No holds barred, client’s response option.

· QR Rating system

§ Ask a question and get rated.

§ Thumbs up, Stars 1 to 5 or Smiley/Frown faces

§ Complete Social Media inclusion

· QR Video sharing platform

§ Co, Headline, and description with Call-to-action button of your choice

§ Complete Social Media inclusion

§ Multiple Video option

§ Change videos at any time within your subscription

· QR Event promotion and sharing system.

§ Professional QR EVENT platform

§ Fully managed for you under subscription

§ Send your Event link to Zoom, EventBrite or physical location.

§ We manage that for you within your subscription.

· QR Mobile friendly PDF gallery

§ Optimised PDF gallery

§ Avoid all the problems of reading PDF on the Smartphone

§ Perfect for on screen presentations

§ Excellent BLOG platform

§ We manage changes on the fly within your subscription.

§ Perfect for Property of the Week

§ Start car of the week

§ Daily Menu

§ All serviced and changed as regularly as you want within your subscription.

· QR Facebook links

§ Highly stylized

§ Well suited to the Professional Facebook user

· QR App Store links

§ App Store

§ Progressive Web APP

§ Google Play

§ Many more APP options

· QR MP3 player

§ Call to action Button of choice

§ Fully serviced within your subscription

§ Can be changed on the fly.

§ Essential for Professional Podcasts

· QR VIDEO

§ Full Social media inclusion

§ Multiple Video upload capability

§ Your Tube capability

§ Fully serviced on the fly within your subscription

§ Momenzo is highly recommended for regular changes.

§ Momenzo is recommended for professional Video made on the phone.

s Product Videos

s Property Videos

s Book and publication Videos

s Vehicle Videos

s Personal Videos

s Video Shorts

s Actor Avatar Elevator Pitches included in your subscription.

s Cartoon POA

s Business Cartoon explainers POA

· Image gallery

§ Multiple images

§ Call to Action button

§ Example Applications

s Property image with click through to Video.

s Product images with click through to Shop.

s Book images with click through to order.

s Images with click through to CHAT room.

s Images with click through to Calendly.

s Actually, it's endless!

§ Set up includes a one-month subscription and Data Protection compliance advice.

§ Print with impunity; the QR and Link always stays the same.

§ ICO data protection & client advice

4.1.6 MaltixQR PWA 4.1.6.1 MaltixQR PWA - App components

· A ‘Marquee’ style, image Carousel

· Pop up boxes

· Delegates button

· Phone pages

· Rating page

· Roster schedule

· File facility

· Media Buttons

· Upload facility

· Live streaming radio

· Streaming vote system

· Facility

· Food order

· Marketplace App

· Loyalty component form

· Zoom

· Third-party page integration

· iFrame countdown feature

· Facebook,

· Google Maps,

· Instagram, feed

· Twitter,

· WordPress,

· YouTube, video,

· Canva, designs

· Booking system

· e-commerce

· Shopify

· WooCommerce payment solutions using PayPal.

· workout timers

· workout history

· event, organisers

· event calendars

4.1.6.2 MaltixQR PWA - App features

A custom domain, with Distribution by:

· QR code.

· Email

· WhatsApp

· Social media

40 initial SMS credits for SMS Distribution (more SMS credits can be Purchased)

· Push notifications

· App analytics

· User profiling

· Member login page

· Script subscriptions

· Stripe user chat

· Member specific detail

Can also be purchased.

4.1.6.3 MaltixQR PWA App integrations

E-commerce integration incorporating any existing:

· e-commerce shop,

· Social account integration and badging

· Facebook,

· Instagram

· Twitter

· WordPress mobile integration.

We can link to:

· PayPal

· Canva

· Facebook

· Google Maps

· Google analytics

· Instagram

· Twitter

· WordPress

· Mobile phone

· YouTube video

· Zoom,

· Google meet

· Appointed

· Shopify

· WooCommerce

· WhatsApp

· Stripe

4.1.6.4 MaltixQR PWA - Features

Provides:-

· Push notifications, sent instantly or to planned schedule.

· Member login

· The ability to choose how you access your progressive web App.

· A live chat and, interactive and engaging, chat system.

· Analytics to explore the behaviour and engagement of your users.

· Appointment scheduling so that your customers can easily book scheduled Appointments.

· Vote and form building to collect feedback and suggestions from App users.

· A countdown spot to excite your audience for the next event.

· User rating in addition to form and vote building.

· Can gather instant feedback.

· Workout components builder and App for health and fitness.

· Website wrApper, we can embed, documents, video, secondary pages, and other types of interactive media with a full iFrame integration.

· Food orders and delivery. (This allows food ordering delivery for your restaurant, hotel, or coffee shop)

· A community forum which users can discuss the latest trending topics.

4.1.6.5 MaltixQR PWA - App Functions

Our system provides:-

· Direct distribution, skipping the App stores, and removing the extra steps for users.

· Apps that are distributable, directly via SMS, Email, social media or QR

· Apps that are shareable within the network.

· Real-time updates (e.g., changes in Europe, updated in the US, in real time).

· A PWA experience that is completely secure, linkable and works off-line.

· Search Engine Optimisation - SEO (Progressive Web Apps can be linked to search engines unlike native Apps)

· Off-line mode, (lightning fast, Progressive Web Apps with offline capabilities)

4.1.7 MaltixQR Corporate 4.1.7.1 MaltixQR Corporate Provides: -

Everything in MaltixQR PhoneSite and MaltixQR Business App. plus a customised selection from:-

· Client relationship management (CRM) set up and training [this integration automatically records all data securely for automatic data segmentation and newsletter content creation Integrations with]

· Up to Five fully integrated, serviced, smart form page options. (Smart forms collect a very wide range of data and securely integrates that data with a CRM system or systems)

· Integration with:

§ Microsoft Outlook/365

§ Gmail

§ A choice of Accountancy systems

§ A choice of Newsletter systems

§ Zen Desk

§ Project Boards

§ Mail Dropbox

§ Sales pipelines

· Utilises Custom fields and assignment paths for data management.

· Teams Integration

4.1.8 MaltixQR Custom

MaltixQR Custom Services

The MaltixQR Custom services are bespoke tailored services where the features are directly related to the client’s requirements.

This includes, among others, MaltixQR VA and MaltixQR Ultimate which are currently under development.

4.1.9 MaltixQR VA 4.1.9.1 MaltixQR VA - VA Services - Person to person support

“MaltixQR VA” is more of an optional addition to existing services than it is a standalone service. It is however central to Maltix’s Approach to being the interface between business users and assorted technologies. The manifestation of this Approach is the complete integration within the Maltix infrastructure of the “Tawk.to” chat box system and all of the associated facilities such as the knowledge base AI assist, and so on, that come with it, and will come, with further developments.

The two principal aspects of “MaltixQR VA” are providing human VA support within the chat room and also human VA support for onboarding of business clients into any or all of the different levels of Maltix services. Clearly, as one progresses, to the higher levels of service, the need for human VA support, and the cost effectiveness of that, increases dramatically. Maltix regards this Approach as being core to our offerings

As one might expect the following activities will be typical. Snagging PhoneSite™ creations, MaltixQR PhoneSite and MaltixQR Business App. onboarding, as well as elevator pitches, video coordination, subscription updates, service changes so on and so forth.

4.1.10 MaltixQR Corporate

The MaltixQR Corporate service area Is where we begin to spread services across groups and integrate different levels of service within one organisation. This is typically because multiple users are integrating with CRM, AI, PW, Chat, or other systems, in an organisational way. In other words, this facilitates the use of teams and coordinated organisations.

Where, for example CRM systems, or perhaps Microsoft Teams, is involved, we can also, according to hierarchy, arrange for different levels to have different degrees of access to the company organisation and its data be that within CRM or within knowledge base situations.

A typical MaltixQR Corporate Service combination for an SME

4.2 Future Product Developments 4.2.1 MaltixQR Ultimate

MaltixQR Ultimate is in development and uses a blend of several AI and other services, the objective being to deliver a complete virtual PA service to high-net-worth individuals and corporate leadership.

To date we have we have service and facility definitions, outlines of which AI services we will use, and how they might be integrated, but further work is paused until such time as we have significant numbers of MaltixQR PhoneSite and MaltixQR Business App. clients, or receive Outside funding at which point (with investor Approval) we will move the MaltixQR Ultimate project forward.

4.2.2 MaltixQR Tech – Bespoke Business Systems

As we have been developing Maltix we have from time to time we have been asked to create bespoke systems, particularly in the PWA arena, and, of late, in the Tawk.to environment.

We see that as we build the tech teams, particularly post funding, we should have the expertise and capacity to build one off Applications within several of our environments and can anticipate doing this in the future for customised systems. It is also clear that those customizations might, in their turn, lead to new service offerings, going forward.

Work in this area will be on a project costed, and needs verified, basis with potentially run on monthly service charges following.

5. Market size and Target market segment 5.1 United Kingdom

According to the UK government’s Department for Business, Energy, and Industrial Strategy (BEIS), there were 5.47 million small businesses (with 0 to 49 employees) in the UK at the start of 2022, which accounted for 99.2% of the total business population. This makes small businesses, by far, the most common type of business in the country 2.

The UK SME analysis shows that, taking only those who might most likely take up our services there are just over 4 Million small to medium businesses, (see Appendix 1) of these, the sector with the highest number of SMEs was the Professional, Scientific and Technical activities sector, with 761,735 SMEs. This sector also accounted for the largest number of registered businesses in the UK.

5.2 United States of America

For the USA which classifies slightly differently (up to 20 employees as opposed to the UK, up to 50), the selected target figure still comes up to just over 20 million potential US users (see Appendix 2)

5.3 European Union

For the EU according to Statista, there were estimated to be Approximately 23.1 million small and medium-sized enterprises (SMEs) in the European Union in 2022, with the vast majority of these enterprises micro-sized firms which employ fewer than nine people. A further 1.35 million enterprises were small firms with between 10 and 49 and in 2021 SME’s in the European Union employed +almost 84 million people. However, the value varies by country so, in Malta for example, 93.1 percent of value added to the economies comes from SMEs, while in Germany 82 percent of the county's added value comes from SMEs. For the European Union, the average value that SMEs contribute to the economies is around 56 percent. The total for the EU ( 1 to 50staff) would thus be 24.45M and if as in the two examples above we exclude the sectors such as construction agriculture forestry and so on and assume that to be a similar 30% or so then, we arrive at a figure of just over 17 million relevant EU SMS potential users.

5.4 The Arab States

The next area considered was the Arab States, and the IMF “Enhancing the Role of SMEs in the Arab World—Some Key Considerations; Policy Paper; November 2019” is an interesting perspective for our growth prospects. Since our services are aimed making it easier for SMEs to grow their businesses without huge infrastructures. The IMF report stresses.

“A vibrant SME sector can play an important role in tackling economic challenges. In particular, SMEs are a major source of new job creation in emerging and developing countries, accounting for some 45 percent of new jobs (AyygarWilliamet al., 2014). SMEs’ contribution to GDP in Arab economies ranges between 4 and 40 percent, reflecting both potential for a larger role for SMEs in some countries as well as their already significant role in others. It is estimated that micro, small, and medium enterprises (MSMEs) account for 80–90 percent of businesses in the MENA region (Saleem/IFC 2017) and around 97 percent in the Arab World (MSME Country Indicators, 2014), with density (enterprise per 1,000 people) more heavily weighted towards micro enterprises (Gonzales et al, 2014). For example, the density of MSMEs in Jordan and Tunisia in 2011 was around 25 and 56 MSMEs per 1,000 people, respectively, of which 23 and 55 were microenterprises (Figure 1). 7. SMEs offer an opportunity to capitalize on the region’s demographic resources. SMEs account for a sizeable share of formal employment in several economies in the region, including Iraq, Lebanon, Sudan, West Bank and Gaza, and Yemen, where over 50 percent of private sector employment is in SMEs (Figure 2). This share is likely to be higher when considering the informal sector. At the same time, youth and female unemployment rates have persisted above 20 and 17 percent (ILO), respectively, since 2010, and labour force participation rates have not exceeded 34 and 27 percent (ILOSTAT), respectively, over the same period. With youth comprising around one third of the population, SMEs can contribute to private sector employment opportunities needed to absorb young labour market entrants”.

https://www.imf.org/-/media/Files/Publications/PP/2019/PPEA2019040.ashx

5.5 The Developing World

For the rest of the developing world, the World Bank says:

“Small and Medium Enterprises (SMEs) play a major role in most economies, particularly in developing countries. SMEs account for the majority of businesses worldwide and are important contributors to job creation and global economic development. They represent about 90% of businesses and more than 50% of employment worldwide. Formal SMEs contribute up to 40% of national income (GDP) in emerging economies. These numbers are significantly higher when informal SMEs are included. According to our estimates, 600 million jobs will be needed by 2030 to absorb the growing global workforce, which makes SME development a high priority for many governments around the world. In emerging markets, most formal jobs are generated by SMEs, which create 7 out of 10 jobs. However, access to finance is a key constraint to SME growth, it is the second most cited obstacle facing SMEs to grow their businesses in emerging markets and developing countries”.

https://www.worldbank.org/en/topic/smefinance

Whilst the absolute numbers are not easy easily available for the last two sectors, it is obvious, not only that those sectors are probably quite large, but more importantly that by comparison with the developed world, these sectors are not only underrepresented compared with large employers but more importantly are viewed by two large international bodies as being the sector that will drive growth and development in those countries.

Now, given that the QR codes themselves, are language independent, and what they give access to, can be available, not only in multiple languages, but can be easily available within one QR code, in several languages, according to the needs of the owner, we consider that this area in particular, represents the opportunity for significant growth, but will require a degree of funding since access to it is not simple.

5.6 Summary

Taking a very conservative view, we can reasonably consider a target marketplace better than 40 million SME’s who could use our services, even if only on their smartphones, to achieve significant business improvements for their business.

The current modelling suggests that breakeven is well below £200K, but taking a mix of 70% MaltixQR Bizicard, 20%MaltixQR PhoneSite, 5% MaltixQR Business App. and 5% MaltixQR PWA (Smartphone centred web site replacement) shows a break-even volume, at that mix, of just under 750 sales for startup fee and 1 year service.

So, at the most conservative of estimates, we need 0.00174% of the global market or 0.0174%of the UK market alone. As an aside, we already have US customers and globally connected networks.

§ Seamless Company branding from QR landing page to Form Page

· Future proofing for CRM and data automation use

· Likert available for Surveys

· DocuSign automatic signature request on submission of Form page

· A Shop option for up to 10 products or services

6. Competitive landscape analysis 6.1 Competitive Landscape Scoping

I performed a number of ChatGPT driven searches to scope the landscape. The results are as follows. These are generally in alignment with our collective impressions of being in this marketplace for some years.

“QR codes have become increasingly popular tools for entrepreneurs and small to medium-sized enterprises (SMEs) to enhance their business operations. These systems typically offer a range of features aimed at streamlining processes, improving customer engagement, and facilitating efficient business management. Let's analyse the size, features, market share, and prices of such systems.

Size: The market for QR code systems catering to entrepreneurs and SMEs has witnessed substantial growth in recent years. With the increasing adoption of smartphones and the convenience offered by QR codes, numerous software providers and startups have entered the market, resulting in a diverse range of offerings. The size of the market is expanding as more businesses recognize the benefits of leveraging QR codes for various purposes.

Features: QR code systems designed for entrepreneurs and SMEs typically offer a wide array of features to address their specific needs. These may include:

QR Code Generation: The systems allow users to create customized QR codes that can be used for various purposes, such as linking to websites, displaying contact information, or providing product details.

Marketing and Customer Engagement: QR codes can be utilized for promotional campaigns, enabling businesses to direct customers to special offers, discounts, or loyalty programs. Systems may provide analytics to track engagement and gather customer insights.

Inventory and Product Management: Some systems integrate with inventory management software, enabling businesses to track and manage their stock levels efficiently. QR codes can be used to streamline the process of inventory tracking and product identification.

Payment and Point-of-Sale Integration: QR code systems often offer payment solutions that allow businesses to accept payments through QR codes, either through mobile wallets or payment Apps. Integration with point-of-sale (POS) systems ensures seamless transactions.

Analytics and Reporting: Businesses can access data on QR code scans, customer behaviour, and campaign performance through analytics and reporting features. These insights help in making informed business decisions.

Market Share: The market for QR code systems in the entrepreneurial and SME sector is competitive, with several established players and emerging startups. The market share of individual providers can vary depending on factors such as product quality, brand reputation, customer support, and pricing. Currently, market leaders include well-known companies like Scanova, QRStuff, and QR Code Generator.

Prices: Pricing models for QR code systems differ among providers. Some may offer tiered pricing plans based on the number of codes generated, the range of features required, or the level of customer support. Others may adopt a subscription-based model or charge per scan. Prices can range from free plans with limited features to higher-tier plans that cater to larger businesses with more extensive needs. The pricing structure is often designed to accommodate the budgets of entrepreneurs and SMEs, making the systems accessible to a wide range of businesses.

In conclusion, the market for QR code systems targeted at entrepreneurs and SMEs is growing, with various providers offering a range of features to streamline business operations. These systems enable businesses to generate customized QR codes, enhance marketing and customer engagement, optimize inventory management, facilitate payments, and gain valuable insights through analytics.

Market share, functionality, and pricing for major players:

Market leaders like Scanova, QRStuff, and QR Code Generator compete for market share by offering diverse pricing plans and differentiating features.

Supplier

Pricing Plans

Features

Scanova

- Basic: $9/month

- Dynamic QR codes

- Advanced: $29/month

- Custom design and branding

- Enterprise: Custom pricing

- Campaign management and analytics

- Multiple scan redirection

- API access

QRStuff

- Free

- Static QR codes

- Paid: $11.95/month or $49.95/year

- Dynamic QR codes

- Custom design and branding

- Unlimited scans

- URL shortening

QR Code Generator

- Free

- Static QR codes

- Pro: $9.99/month

- Dynamic QR codes

- Business: $29.99/month

- Custom design and branding

- Enterprise: Custom pricing

- Campaign management and analytics

- Advanced customization options

Retail and E-commerce Companies:

Amazon: Amazon uses QR codes for various purposes, including product packaging, order tracking, and returns. Customers can scan QR codes to access detailed product information and track their orders conveniently.

Walmart: Walmart utilizes QR codes for price comparisons, enabling customers to scan codes in-store and instantly view competitor prices. This feature helps Walmart ensure competitive pricing for its customers.

Shopify: As an e-commerce platform, Shopify offers QR code generation for businesses to create personalized QR codes for product promotions, discounts, and order tracking. This allows Shopify users to enhance customer engagement and streamline the purchasing process.

Payment and Financial Services:

PayPal: PayPal utilizes QR codes for contactless payments. Users can generate a QR code linked to their PayPal accounts and accept payments by simply scanning the code using a mobile device. This feature facilitates secure and convenient transactions.

Alipay: Alipay, a popular mobile payment platform in China, employs QR codes extensively. It allows users to make payments at offline stores, transfer money to friends, and even access various financial services by scanning QR codes.

Travel and Hospitality:

Airbnb: Airbnb incorporates QR codes to simplify the check-in process for guests. Hosts can generate QR codes that provide guests with access to the property, eliminating the need for physical keys and enhancing security.

Airlines: Many airlines have adopted QR codes for mobile check-ins, allowing passengers to scan their boarding passes directly from their smartphones. This feature speeds up the check-in process and reduces the need for paper tickets.

Marketing and Advertising:

Snapchat: Snapchat employs QR codes called "Snapcodes" that users can scan to connect with friends, follow accounts, or unlock exclusive content. This feature enhances user engagement and facilitates social connections.

Coca-Cola: Coca-Cola has used QR codes in marketing campaigns to provide customers with interactive experiences. Scanning the QR codes on Coca-Cola products often leads to contests, games, or promotional offers, creating a unique brand experience.

Common Functionalities

While the specific features offered by these companies may vary, some common functionalities include:

Product information and tracking: QR codes can be scanned to access detailed information about products, including pricing, reviews, and specifications. They also enable customers to track their orders and delivery status conveniently.

Payment and transactions: QR codes facilitate secure and contactless payments, allowing customers to make purchases quickly using their mobile devices.

Marketing and promotions: QR codes are used for promotional purposes, such as providing discounts, offers, or exclusive content to customers.

Check-ins and access control: QR codes streamline check-in processes for hotels, airlines, and other services, eliminating the need for physical tickets or keys.

Social media integration: Some companies incorporate QR codes to connect users with their social media accounts, enabling easy following, sharing, or engaging with brands.

It's important to note that the specific features and implementations of QR codes may vary for each company based on their unique business goals and customer needs.

SME Marketplace

Small and medium-sized enterprises (SMEs), solopreneurs, and entrepreneurs also leverage QR code solutions to address various business needs. Here are some common uses of QR codes by these entities:

Contactless Payments: SMEs and entrepreneurs often use QR codes to accept contactless payments from customers. By generating a QR code linked to their payment platforms or mobile wallets, they can receive payments seamlessly, whether in-store or for online transactions.

Marketing and Promotions: QR codes enable SMEs to create interactive and engaging marketing campaigns. They can print QR codes on their marketing materials, such as flyers, posters, or business cards, which, when scanned, direct customers to specific landing pages, promotional offers, or social media profiles.

Digital Menus and Ordering: Restaurants, cafes, and food businesses can utilize QR codes to provide digital menus to their customers. By scanning the QR code placed on the table or at the counter, customers can view the menu on their mobile devices and place orders directly, reducing the need for physical menus and enhancing efficiency.

Customer Feedback and Reviews: QR codes can be integrated into feedback and review systems. SMEs can encourage customers to scan the QR code after a purchase or service experience to provide feedback, leave reviews, or participate in surveys, helping businesses gather valuable insights and improve customer satisfaction.

Loyalty Programs: SMEs often create QR codes to enable customers to participate in loyalty programs. Customers can scan the code to accumulate points, receive discounts, or unlock rewards, fostering customer loyalty and repeat business.

Major Players

In the SME space, several players specifically cater to the needs of small businesses, solopreneurs, and entrepreneurs. Here are a few examples:

Square: Square offers a range of payment and business management solutions for SMEs, including QR code-based payments, point-of-sale systems, inventory management, and customer engagement tools.

Shopify: Shopify is an e-commerce platform that provides SMEs with the ability to create and manage online stores. It offers QR code generation for product promotions, discounts, and order tracking, catering to entrepreneurs looking to establish an online presence.

PayPal Here: PayPal Here is a mobile payment solution designed for small businesses and entrepreneurs. It allows users to accept payments by generating QR codes that customers can scan with their smartphones.

SumUp: SumUp provides card readers and payment solutions that support QR code payments. It enables small businesses and entrepreneurs to accept card payments through QR codes or contactless card readers.

These are just a few examples of players in the SME space that offer QR code solutions tailored to the needs of small businesses, solopreneurs, and entrepreneurs. It's important to research and explore different options to find the most suitable QR code solution for specific business requirements.

Business but not QR centred - Appointedd.

Apointedd is an Appointment scheduling and business management software that primarily focuses on enhancing customer experience and streamlining operations for SMEs. While they do not specifically advertise QR code features, they offer a range of functionalities that can contribute to business improvement. Here are some key features provided by Apointedd and similar companies in the Appointment scheduling space:

Online Booking and Scheduling: Apointedd enables SMEs to offer online booking options to their customers. Instead of relying on phone calls or emails, customers can conveniently schedule Appointments using a web-based interface. While Apointedd does not explicitly mention QR codes, it is possible to integrate QR codes as part of the booking process to simplify Appointment scheduling.

Customer Management: These platforms typically provide tools to manage customer information and preferences. SMEs can keep track of customer details, Appointment history, and communication history, allowing for personalized and targeted interactions.

Automated Reminders: Apointedd and similar platforms allow businesses to send automated reminders to customers before their scheduled Appointments. These reminders can be delivered via email or SMS, helping reduce no-shows and improve overall efficiency.

Resource and Staff Management: SMEs can utilize features that enable them to manage their resources, such as rooms, equipment, or staff availability. This ensures optimal allocation of resources and prevents double-booking.

Integration with Other Tools: Many Appointments scheduling platforms, including Apointedd, offer integrations with popular calendar tools, email marketing software, and customer relationship management (CRM) systems. This integration streamlines workflows and ensures seamless data synchronization across different platforms.

While Apointedd may not have explicit QR code features, it's important to note that some of these platforms offer APIs or customization options that allow SMEs to integrate QR codes into their workflows. For example, SMEs could generate unique QR codes for each Appointment and provide customers with QR codes to scan upon arrival, simplifying the check-in process.”

6.1.1 Maltix Conclusions and Observations

We are becoming increasingly sure that there is nothing out there, currently in the marketplace, which matches what we do or, indeed, is very close to it either.

When we looked at the major players in the QR space above we realised that we actually use some of that technology in terms of what we do. The reality is that all of those companies, as above, that provide QR facilities do so, but none of them does the work in the back office to connect them to creating the services that business and in particular SMEs actually need to run their businesses. So, SMEs are left to work out how to do that themselves and in general they neither can nor want to. This is probably why nearly all of the take up of the services listed above are by major corporates who of course have IT and programming teams that can spend the effort to do the things they do.

But frankly, by our standards, simply using a QR code to go to a website, a V card, a menu, shopping cart, a customer satisfaction survey or indeed any of the other things listed above is limiting the technology to a very narrow range of uses. Very very, few of the above actually provide more than one or two destinations from any given QR code.

Whilst Apointedd, does seem to provide a number of those services that Maltix does firstly it doesn't provide anywhere near the number or range of services that we will but secondly and more importantly with Appointdd having QR codes as part of what they do is an option it is not fundamental to the way that the business actually operates.

The Maltix Approach is for everything to revolve around a QR code where for any individual business the entire business offering can revolve around a single QR code that normally does not change over time but where what it leads to is firstly an extensive number of services and facilities but more importantly can be updated either by the business user themselves, or by the Maltix VA team, for them, as they wish, but constantly, and in real time, as required. In this way the QR code leads to the business and services of that company that are always up-to-date valid and responsive.

If however the business has a number of functions that they want to use in slightly different ways Maltix can provide them with for example a fixed QR code for all of their online events, or for their training, or for product promotions or indeed many other facilities where whilst having it in the original QR code is useful being able to promote it independently and yet change the delivery, as time requires, is of even more benefit.

In summary, as far as we can tell, to date, there is no real competition that does what we do or is even close to be being able to do, so for some time.

7. Revenue Model and Financial Projections

The MaltixQR revenue model is essentially a Software as a Service (SaaS) one, but is, in reality, a Software Driven Business Services as a Service, model. MaltixQR provides the ability for Entrepreneurs and SMEs to run their businesses almost entirely from their smartphones or other portable devices, on the move, if necessary.

We charge; both a monthly fee, to cover the run cost and ability to make changes to the back offices, at any time (generally included in the contract), and a set up charge at the start of the contract, to set up the tailored business systems that our clients need to run their businesses. Also included is a 24x7, VA supported, chat service by text and or voice.

For those who want to save time and learning effort, we provide, at an extra price, live VA services to work with them as required.

Most of the fully customised systems work, whilst on the drawing board, is still in the future, and it is this area that will benefit most from investment finance, but which is also likely to be the most profitable, as this is where we exploit leading edge technologies such as AI, ALMs and PWA’s to achieve disproportionate advances in business support services.

The table below shows the figures for the monthly service charges, by service line, and one off on-boarding fees which we expect, certainly initially, to be the main sources of revenue, we have also included the fees payable to our affiliates and the override on those fees payable to super affiliates. The final column represents an offer where whole year services are paid up front the pricing represents incentives but, of course, the win, for us, will be the upfront cash flow.

7.1.1.1 MaltixQR: Prices, Commission Percentages and ‘Pay up front’ deals.

All figures GBP

Monthly

One Off

Monthly

Annual

Commissions

Offers

Maltix Services

Fee/Ac

Onboarding

Ongoing support/Hr

Annual

Affiliate

Super O/R

1st Year

MaltixQR Bizicard

120

10%

120

MaltixQR PhoneSite

300

10%

300

MaltixQR Business App.

299

456

10%

695

MaltixQR PWA

299

588

10%

827

MaltixQR Corporate

249

588

10%

787

MaltixQR VA

300

900

10%

1,140

MaltixQR Ultimate

5,000

3,000

60,000

10%

62,400

You will note that there is also a price column for our human VA on boarding or support, services. These will no doubt occur but since they are ad hoc we haven't included them directly in the figures and they would therefore provide increased profitability compared with projections quoted.

For the sake of completeness we have included notional pricing for MaltixQR Corporate, MaltixQR VA, and MaltixQR Ultimate but you will note on the modelling spreadsheet to follow that these do not feature in our revenue projections at present although MaltixQR Corporate and MaltixQR VA are available to buy immediately but since we can't project how well they will sell again they aren't included in the actual projections and then there will be: the charges associated with setting up and running the MaltixQR Corporate service , the bespoke PWA Applications e priced on a on a scope on a scope scoping and delivery basis but these two will frequently have a monthly cost out a monthly run cost element as well.

This could easily be several thousand up-front because essentially a PWA is the equivalent of a website and perhaps five or six add-ons, except that they're integrated seamlessly into one unit, which works much better and more efficiently, than a web site, but in fact the technology is much cheaper than employing somebody to programme in perhaps PHP or but some of the other languages Python or some of the other languages beyond that,

we will be into the Maltix bespoke services area and that will be purely on a prod on a project and runtime basis but since but since we are several months if not a year away from having that in place it's hard to speculate on what the cost base from that might be.

The financial projections exist on a spreadsheet that models the whole of the Maltix limited business and is organised into sections:

· Startup cost

· Fixed cost

· Variable cost

· Income

· Cost of promotions

· Activity levels

· Cashflow (monthly and cumulative)

The cumulative cash flow is effectively the profit generation and projections, but we would be happy to talk our perspectives through with prospective investors as to precisely what it does and how it works because it is fairly complicated.

7.1.1.2 Cost Structure:

A Detailed breakdown of Maltix’s cost, income and profits, structure may be found in the:-

Master Business Planner - Maltix - Pitch Deck - 5Y Spreadsheet.

A loose inspection indicates that the key cost drivers are mainly:

· Affiliate Payments (Cost of Sales @c12% of revenue)

· The cost of software licences and subscriptions (although the percentage of Revenue falls as client volumes increase and we gain the benefits of scale up, hence the importance of that, aided by funding)

· The costs of aligning those with our business delivery apps (This is directly proportional to client volumes)

· The Client Onboarding costs (This is directly proportional to client volumes)

· VA Onboarding and Chat provisioning (This is directly proportional to client volumes)

· Management Salaries (Since, as a start-up, these are modest, by industry standards, we expect, with the agreement of funders, to initiate a management bonus system based on achieving agreed KPI’s for revenue, and profitability)

· Marketing Expenses, (These will increase significantly, on receipt of funding, in order to preserve first mover advantage)

· IP protection (This will be very much front loaded, on funding receipt)

7.1.1.3 Day to day Business running.

There is a mirror of this spreadsheet from which the business will be running practise. You will note that on this spreadsheet there are figures in blue and figures in black. The figures in blue our plans and thus projections as yet. The current figures in black either calculated or existing figures. The way the spreadsheet works in practise is that at the end of each month we replace the blue plan figures we've black actual figures. Since this is a spreadsheet, this will affect the picture on cash flow income yields and marketing metrics so that any forthcoming issues or problems will be visible on the spreadsheet and management action can be taken to bring us back on plan.

7.1.2 Financial Projections and Headlines

The current version of the spreadsheet is based on Nil funding and purely organic growth. This shows the total exposure in the first two months of around £50K and profitability thereafter being achieved around month 3, leading to about c£5.6 million in year one, rising to c£481 million in Year 5 and c£928 million over the five years modelled.

7.1.2.1 Market Penetration and Profit –

All of our assumptions rely on making about 209K service sales in five years from a marketplace exceeding 40M million users i.e., 0.52% Market Share of just the UK, US, and EU relevant markets. We consider this easily achievable given that we shall be approaching the Middle East, Africa, and South America too.

7.1.3 Bid Expectations

We are particularly interested in receiving bids from funders, already in the tech space, with previous and relevant technical experience, who would be able to help us grow the business by leveraging that experience and exposure with their engagement.

We can see that venture capital funding might take at least one of three modes.

Firstly, by non-equity funding, as an interest-bearing advance to be redeemed over a set period.

Secondly, as an equity purchase for part of the business, run by the existing but augmented board.

Thirdly, as 100% equity purchase for the business where the current board would be prepared to accept service contracts for one or two years to ensure that proposed developments can be implemented seamlessly by the new owners.

The board is comfortable with any of these approaches and in any event would welcome a funder’s board member onto the board. firstly, to protect the funders investment and secondly as an active participant in company growth for the benefit of all parties.

7.1.3.1 Loan, Factoring, and similar non-Equity funding

If we follow the non-equity funding routes, we've been advised with on the strength of our current business plan we should be able to attract loan funding factoring or similar contracts.

In that event, if we can attract between £1 million and £5 million funding, we should easily be able to return that, with adequate profits, in under three years and are therefore open to offers along those lines.

That degree of funding would allow us to immediately employ expanded tech teams, a dedicated sales team, VAs, and other support team members which would enable us to ramp up the business even faster than the current model indicates and achieve greater market penetration.

7.1.3.2 Equity purchase

Receipt of equity purchase funding would allow us to expand the business as at clause 7.1.3.1 above.

Initial consultation based on the modelling thus far indicates that whether it be equity purchase of part of the business with funder participation in the running and expansion of the business or whether it's an outright purchase of 100% of the business the valuation per percent is roughly the same.

We are advised that as on the projections at Year 5 and up to and including Year 5, a purchase value of not less than £1.5M per 1% of equity, end up to £10M per 1% depending on a number of factors including timing may well be realistic.

We are therefore open to offers and considering inviting sealed bids but have not made any final decisions on that matter as yet.

8. Funding requirements and use of funds 8.1 Funding requirements

We note with interest a recent funding round where an organisation that simply generates QR codes and probably gets revenue; firstly, from creating the codes, and secondly, providing data on where the codes have been used, has recently been funded with a £25 million first round of funding. However, there are already several players in that marketplace and if those QR codes are used for the present set of limited applications, we find that valuation interesting and believe that we could be worth considerably more, as at Paragraph 7, above.

We do however realise that they are a tech startup whereas we are a business services startup using cutting edge tech.

Given that MaltixQR are addressing business users not technical companies needing to generate QR to service their business we know that our potential marketplace is probably several orders of magnitude larger. Furthermore, in essence, for simply generating a QR code and tracking it there is virtually a single set of fixed fees that won't change over time.

MaltixQR, on the other hand, because our codes lead to multiple destinations and ever-increasing combinations of multiple destinations can have a tiered system so that certain offerings can be up to five times the monthly revenue and setup charge of the most basic version.

This comparison leads us to wonder what the marketplace would be willing to pay for our proposition and how many competing funders would be interested in taking it forward.

What is significantly different however is that we have a relatively modest set up charge, and recurrent monthly income for the duration of a service with 1 year minimum being the default with the probability of upselling to higher service levels as time progresses.

8.1.1 Funding:

We are looking for initial funding and, given how disruptive our approach and uses of technology will prove to be, we will be happy to discuss your perceived value for our business. This is likely to be in at least 7 figures.

8.1.2 Governance:

We are prepared to consider funding on: equity, profit share, loan, or factoring bases and would be happy to consider, a funder’s board member’ in either, non-exec’ or business assistance functions. We would also welcome a funders assistance to break into new markets or help us leverage innovative tech which can provide Better Business services to our clients.

8.2 Requirements and Use of Funds 8.2.1 Business model requirements.

Our business model, requires that we can:

· Acquire a sufficient number of clients.

· Have adequate numbers of VA to on board those clients.

· Have adequate numbers of back office and programming staff to service not only client on boarding but ongoing product development and refinement.

· Have a back-office team working on technologies such as PW and AI which will allow us to automate much of the above.

8.2.1.1 Client Acquisition

At present we are using networking by the board and some associates and will very soon be having Villiers who are not engaged in direct client servicing using platforms such as LinkedIn curriculum recruit new customers and effectively act and be paid as affiliates on top of the on top of their VA duties.

However, with the right level of funding, we could appoint a few salaried salespeople and, from time to time, use the services of database companies and telemarketing teams to dramatically increase the rate of client acquisition.

8.2.1.2 VA Team Building

Since our business proposition is that our VAs learn how to ‘set the tech up so that the clients don't have to’, on a “Learn once, Use many times” basis. It is clear that the biggest blockage to building VA teams is providing them with the necessary training.

We currently have 10 training videos in place, a further 20 in production at the moment, and envisage possibly up to another 50 to provide us with an entire training suite fit for purpose. There may well have to be manuals, instructions, and FAQ,s on top of this.

However, as part of our chat service, we have already established an in-house “Knowledge Base” which already has more than 400 items and is easily accessible using AI technology to either, find information, create information, or present information, as necessary.

Again, funding allows us to employ a dedicated knowledge and information specialist and possibly trainer, to increase the depth and efficiency of our knowledge base.

This will allow us to build a VA team big enough and solid enough to service ongoing need, and high-speed growth.

8.2.1.3 Back Office and Programming staff

These service, not only client on boarding, but also ongoing product development and refinement. Whilst our intention is to create an onboarding process that allows us to provide businesses with individual business solutions meeting their needs rather than a one fits all approach and whilst we intend that our VAs can cope with all of the day-to-day on boarding issues clearly (and particularly when we get into corporate, CRM, and PWA, services) we realise that there will be a significant demand for people with programming and I like technical skills to make sure that the back office functions perfectly at all times.

Again, if we achieve funding at the levels that we are asking for, this should be perfectly possible and might even allow us to progress activities within “The Pavilion” research group to find and create the next generation of innovative solutions for small businessmen to do, even better, with less, and faster.

8.2.1.4 Back-office Integration and automation team

This team will be permanently working on finding and integrating technologies such as PW and AI which will allow us to automate much of our entire operation.

Again, the better funding we receive the bigger, better, and faster, will be the results from this team.

9. Business Issues 9.1 Key Partnerships 9.1.1 NDA/ Non-Circumvention,

All partnerships are covered by NDA’s and Non-Circumvention, contracts from initial discussion forwards.

9.1.2 Partnerships

Since our business model is to be the interface between our clients and the business service applications, we set up for them and the various tech companies and software houses that provide back-office functionality, we have already established good relationships with proven suppliers of most of the tech that we use, and have had for some time, agreements with several.

These include the agreements for the services for :

· BiziCard

· PhoneSite

· PWA (x2)

· CRM (x3)

· Commercial

· And others, Including at least one Indian based, full stack, software house.

We already have agreements in place for:

· Our chief VA (and will soon have for the team she is building).

· Marketing and Sales Director (Melville Marketing Ltd.).

· Our My Most Trusted Partner (Linked-In Interface).

· Two online networking organisations (probably covering better than 2,000 members).

· A significant partner in a MLM organisation.

9.1.3 Key Activities:

· My Most Trusted marketing by (50) VA worldwide =1500 leads per Linkedin account

· Affiliate development, Automated Affiliate links and payment through our own purpose-built back office.

· Small business product demo solutions

· Corporate product demo solutions

· Client Surveys for early adopters onboarding

· Central CRM and automated email plus WhatsApp comms

· Knowledge base and 24/7 Chat support globally

· Maltix SHOP integrated with affiliate payment and product subscriptions.

· White labelled product development

9.1.4 Key Resources:

· My Most Trusted (LinkedIn Prospecting Enhancement)

· TAWK CHAT (VA onboarding and training)

· TAWK CHAT (VA Production training with ticket system)

· Ayoa (MindMapping, Flowcharting, Project Recording)

· Project management software soon to be implemented (Evaluating).

· Loom (Ongoing product training and development for each subscription inside Knowledge base members’ back office)

· 10 White label technology agreements

· Integrated payment in and payment out system for VA and affiliates.

10. Marketing and growth strategy 10.1 Target Service Users 10.1.1 Overview

In general terms we think that our users will be those who want to do more and more of their business on the move and particularly from start from smartphones and possibly tablets but just because it's perceived to be a smaller flat platform does not mean that they have to sacrifice the power and scope of the business applications they can take and use with them either on the move or indeed anywhere else.

The reality is that our services work just as well from a desktop albeit slightly differently. The advent of PWA technology which we will be moving into ever more strongly than we are at present means that a single online application can be accessed seamlessly from any one of a number of platforms from apple and Android smartphones through tablets laptops and more all the way up to desktops and even networks.

The thing to realise is that we provide business service solutions, but do not require the users to become technical experts in any of the platforms concerned, but they merely have to learn how to be good if not expert users bearing in mind that they always have access to 24x7 VA assistance anyway.

10.1.2 Service Uptake Progression

Part of our expected sales model is that a significant number of people will start with either a Bizicard or possibly a PhoneSite, and as they come to appreciate the scope and possibility for running their business from a Maltix platform, to upgrade the service they're using.

Where they have staff or colleagues, they may expand the number of services they operate and, in all probability, integrating all of those into one of the Maltix Business Applications possibly a PWA and CRM and maybe even progressing to the ‘Corporate’ level service.

It should be noted that all of our services will be bespoke and customised for each individual customer.

We are fully aware that what we are doing is not only unique but quite disruptive to current business models in that it offers much more than people expect from a smartphone-based platform.

10.1.3 MaltixQR Bizicard

These are the most basic of our users since they are using essentially an electronic business card even though Maltix provide a better solution then most of the QR business codes on the market to date.

10.1.4 MaltixQR PhoneSite

We expect this to be the greatest take up of our services, by number, by far. This is aimed at the solopreneurs the entrepreneurs on the move and managers, particularly in marketing and sales but quite possibly across all disciplines and even the C-Suites too since it puts a number of powerful business solutions onto their smartphones (and more) allowing them to: do demonstrations, show product ranges, take orders, record requirements, set up follow-ups, and much more, In or out of the office, base, or even country.

10.1.5 Maltix Business Applications and PWA

The target for these services is likely to be established entrepreneurs who need to do more with less time and resources and organised startups who want to set up their business processes at the earliest opportunity.

On the PWA side since a PWA can easily replace a website with up to 10 or 20 Plugins, provide more flexibility, be user edited, and guarantee integration across all platforms, we can see people who either have websites that aren't performing as they wish, or are contemplating a new website to launch a new product or service and realise that a PWA can be mounted faster, populated faster, and run at both lower installation costs, and, run costs.

10.1.6 MaltixQR Corporate and MaltixQR Custom

It's early days to be certain exactly how this will work but current indications are that a line manager or board member who decides to have a phone site to make his or her business life more effective, will come to realise that, as in the typical deployment diagram provided earlier, by having biz cards at perhaps representative level, phone sites at management level, and business application and PWA(s?) in the organisation, connecting them all together to create: corporate knowledge bases, disseminated best practise, and integrated sales and marketing tactical delivery; it would allow them to maintain consistency across all corporate business practises.

10.1.7 MaltixQR VA

Our live human VA service is not available as a separate service as such but fulfils several roles.

Firstly, since on boarding any of the services can be beyond the time and knowledge resources of any of our potential clients, we have the VAs to talk them through the onboarding and to make sure that they provide all the necessary detail for the services to work and generally make life easier for our clients. For some services, this is included and for others, it is chargeable, as would be any VA service provided above and beyond normal service levels.

Secondly, we have a 24x7 chat facility, both voice and text enabled, manned by our VA team who have AI assisted access to a comprehensive knowledge base as well as the ability to escalate any ticket to senior management or the board, as necessary.

10.1.8 MaltixQR Ultimate

This is a project currently residing in the “Gozo Cricket Pavilion” workshop (colloquially “The Pavilion” – our Research and NPD Center) the aim of which would be to provide High Net Worth individuals (HNW) with even higher and more comprehensive business assistance,

10.2 Target Audience

It would be easy to say that our target audience is of course almost anybody conducting business and certainly all of those for whom conducting business involves interacting with other people, either within their own organisations, or more likely in the organisations that they come in contact with, by way of; buying, selling, forming alliances, or other interactions.

However what MaltixQR need to do is to identify those who will be the easiest to take on board and the early adopters who understand not only the impact that technology can have but understand the potential impact on their own ways of doing business that moving over to the MaltixQR way of looking at things, would be advantageous.

For now, this document just uses UK exemplars.

We are in fact offering our services worldwide and could already have the services in many languages and indeed multiple languages (about 80 so far) within one service. For example, we have one client whose MaltixQR PhoneSite subscription appears in English but within that has a series of buttons that will present the information involved in Hindi, Punjabi, Spanish, Portuguese, Chinese and German

Now, According to the UK government’s Department for Business, Energy and Industrial Strategy (BEIS), there were 5.47 million small businesses (with 0 to 49 employees) in the UK at the start of 2022, which accounted for 99.2% of the total business population.

Below, we have done our initial segmentation exercise, for this cohort and the segments are presented in the current planned order of approach, as we believe that this gives us the best and fastest access to the “Low Hanging Fruit”.

10.2.1 Membership Organisations

As well as the obvious Networking organisations below, there are a whole host of other membership organisations who may not, at first sight, be relevant, but, nonetheless, are and all of those below contains significant numbers of SME businesses and solopreneurs, who are of course our target marketplace. It therefore makes sense for us to Approach them and offer the governing bodies the opportunity to resell our services under our affiliate schemes and earn money. However less obvious but a great selling point would be that looking at the model for our MaltixQR Corporate service it is perfectly feasible for the headline body for example a Chamber of Commerce, of the Chartered Institute of Marketing, to provide our service, either as an add on, or a member benefit, and by having a MaltixQR Corporate service themselves, they could have visibility of member activity and automate a large number of member services if they haven't already done so, or integrate our QR codes with their existing ones.

· Chambers of Commerce

· Co-working spaces

· Professional bodies

· LinkedIn

· My Most Trusted (Negotiations progressing well!)

· Eventbrite

· Facebook

10.2.2 Networking Organisations

These are organisations in size typically from one organiser and perhaps 50 members up to a management company of 20 people and 1000 members worldwide and we know of we know of them even larger.

There are essentially three kinds.

· Those that only have face to face meetings in person and these will typically be from 30 to 60 people per meeting from a pool of around 600 members.

The biggest example of this is BNI who brand themselves as a referral organisation and they have 300,000 Member businesses in over 75 countries worldwide.(Chat GPT Found these international competitors as well

§ “LeTip International:

§ The European Business Association

§ Referral Institute

§ Global Network Group (GNG”

· Those that only have online meetings using platforms such as zoom, Google meet, Microsoft Teams, Remo, and others. These can have from 50 members to over 1000 and again actual meetings seemed to run between 30 people and 200 per meeting.

These meetings may however be held anything up to four times per week 50 weeks a year where the organisation is subdivided by trade business sector or geography.

The purely online networks however are not geographically limited and the Maltix directors both belong to networks spanning 5 continents and 7 time zones.

· Those with hybrid both online and offline meetings e.g., 4Networking and The

Federation of Small Businesses

10.2.3 Direct Approach

The following categories below:

· Solopreneurs

· Small Enterprises

· Medium Enterprises

· Larger enterprises

will be approached directly, but in a number of in a number of ways which intersect with most of what goes above since nearly all of the following will belong to a membership network, will be on LinkedIn, or other social media, or be on some online network or other, mostly as part of selling their products or services, but nonetheless if they're there then we can approach them and will do.

These approaches will be at trade shows, using the downtime of our VAs who will be trained to use my most trusted which is an add on to the LinkedIn platform and by data search targeting segment relevant areas of those categories with a view to persuading them to buy one (or more) of our services.

10.2.3.1 Upsell

What we know already and will encourage going forward is that those who start on the most basic MaltixQR BiziCard service will quickly realise how much more the MaltixQR PhoneSite service does, and after a while will probably need to put data from using the MaltixQR PhoneSite into a CRM system and are likely to progress, at least for organisations with more than one or two members, to MaltixQR CRM service.

Equally a certain percentage of all of these, especially those who already have websites, will realise that the MaltixQR PWA service can significantly improve on the functionality of their existing websites and do so a fraction both of the setup cost and the run cost.

10.2.3.2 Solopreneurs

Are essentially the one-man bands, or single business owners, most of whose business is conducted, and acquired, by them personally. Turnovers from £20K to £100K common but some make considerably more than this depending on the area of activity. Our approach here is of course directly to the owners.

10.2.3.3 Small Enterprises

These are defined as having 1 to 20 employees and typically have a turnover from £100k to perhaps £2M per annum. Our approach for these clients will be mainly to owners and founders to make their lives easier and more effective, but it is possible that individual employees on LinkedIn for example may champion our service as making their lives easier.

10.2.3.4 Medium Enterprises

We define these as having between 50 and 150 employees with turnovers between perhaps£1M and £20M per annum. We would initially target senior management in the C-Suite, but we see these organisations as being candidates particularly for the Maltix QR Corporate service quite probably including Maltix QRC RM Maltix phone card and possibly MaltixQR BiziCard services for the various levels inside their organisation as per the example in the “MaltixQR Corporate Service combination for an SM” diagram above.

10.2.3.5 Larger enterprises

We define these as having more than 150 stuff and more than £10M turn over. We don't initially see these as being particularly target marketplace but as we develop the more sophisticated services they might be. But we do think that potentially the board and C-Suite might want Maltix QR phone services and possibly Maltix QR CRM and whilst we will of course collect these businesses where they crop up as part of general sales activities they are not as yet primary targets.

10.3 Promotional Activities

As detailed and costed in the master spreadsheet we will be using pretty much all of the standard marketing mix, updated to include today's media as part of our activities to promote the MaltixQR proposition. The expenditure and activity levels detailed in the spreadsheet assume a relatively low level of available funding. If we are successful in funding, then we will be able to increase both the scope and the volume of promotional activity thereby helping us to sustain first mover advantage and achieve earlier profitability.

The mix of activities includes but is not limited to the following:-

· Adverts/Advertorials, in the Business press print and online

· Web and PWA on various platforms

· Email Campaigns

· Tweets on Twitter

· Telephone Calling Campaigns

· Presentations as Speakers both live and online

· VA driven campaigns mining Linked-In via “My Most Trusted”.

· VA presence 27x7 on our dedicated Chat channel

· Networking

· PR principally via PR Issue Wire or similar service

· Exhibiting at Trade Exhibitions

· Via Our What’s App. Tribes - Maltix Tribe & Maltix Beta Tribe

· Commission based Salespeople.

· Our Affiliate and Super Affiliate, programmes

· Referrals solicited on Social and Networking Platforms

· Onboarding and Upselling by our VA team

10.4 Customer Acquisition Strategy:

It is worth understanding that the business services we are offering include the notion of recording contacts working on those contacts to promote our proposition and then signing them up for our services now for some of those for some of those businesses we will be providing our interface to CRM systems PW a systems and other mechanisms and we will of course use those ourselves as part of our customer acquisition strategy.

We gain attention via our promotional strategy, engage with the customer by messaging text appointment and direction to QR driven content rich environments enabling both information on our prospects and direct purchase and payment all available on smartphones tablets desktops and the usual platforms.

Our experience thus far, since we have such a radically different proposition, is that if we can persuade somebody to scan one of our QR codes we can then direct them through the experience showing them all the different places that it can go and all the different business systems that are available as a touch or a click, then firstly they understand our proposition better, and secondly they often become so excited that they buy a subscription straight away.

Our current impression is that at these subscription levels we should be able to make our services available to tradespeople such as; plumbers, roofers, cleaners, hairdressers, and so on, for services which ordinarily would require corporate budgets, and this in turn widens our potential marketplace. It’s an incredible digital landscape for businesses globally but making the market aware and getting it to understand the potential is going to take time and money.

Refining this process is an is an ongoing exercise but it's working well thus far.

10.5 Distribution Channels:

Since we are providing business solution software as a service, delivery comes directly from the Maltix QR back-office software systems so we can generally have BiziCard and PhoneSite users up and running within 24 hours, subject to the client providing the necessary data, artwork, logos, database handshakes, logins, etc. in a timely manner. We do provide online and site-based data collection pages and systems since, for volume signings, automated processes are vital. We have many of these in place and are developing others constantly. When we add the services of our VA onboarding and support team, it gives us an effective, robust, and flexible, system of delivery.

Further, our CRM driven sales processes will integrate with the back office to ensure effective delivery regimes. So, we will be using the systems we sell to other people, like CRM, to keep the information flow going. We’ve noted that the fastest way to get people on board is to actually talk them through a demonstration. If it is a system that we ourselves use, we believe that to have more impact and credibility.

11. Team, Background and Experience 11.1 William Nicholls, Managing Director, and Chief Executive

William formed Maltix on the back of extensive research, akin to, a degree in self-education, which started with the in-depth understanding of progressive web Apps that morphed into a thorough rethink of QR in the modern marketplace, and the interaction with QR, connected to progressive web Apps, and to in-situ Business Solutions, particularly when Applied to SmartForm pages.

William has owned many businesses over many years. He started with an Agricultural Science Degree in general agriculture, running two large farms in the 1980s. From there, he set up a fruit and vegetable distribution business in Bristol, eventually operating a fleet of seven 7.5-ton lorries and a 38-ton truck, .

It was during this period of delivering door-to-door, and distributing wholesale too, that William took on the fruit and veg concession at the Glastonbury Pop Festival for upwards of 200,000 people distributing between 10 and 15 tons of chopped fruit a day in kilogram containers to frenetic crowds, for several years. We turned over about £260,000 pa (at c1990 values!) just from doing this, for four days. This culminated in the realisation that, at the time, we controlled a large number of sections of the UK fruit business, particularly watermelons. This became obvious, when the chief buyer from Sainsbury’s, phoned them at Glastonbury and negotiated a deal for a 30-Ton lorry load of watermelons to be delivered to Sainsbury’s at a 300% profit margin!

Glastonbury was an eye-opener into the challenges of managing over 30 staff, but also dealing with huge amounts of cash in a potentially very dangerous situation.

William considered the idea of franchising his fruit and veg business during that period of the late 90s and realised that the Internet was going to be a lot more prevalent and so ended up purchasing a franchise called World Sites and he eventually recruited 80 consultants, as the Master Franchisor across United Kingdom and Northern Ireland.

Sadly, 9/11 brought an end to the business that we developed, but the learning process and what William went through, convinced him that it was only a matter of time before most, if not all, Internet Applications would have already been built, and that it was just a question of choosing the right ones, for a specific business, and then renting them.

William then worked in business recovery for a number of years owning and operating over 20 businesses, from 5 to 120 staff and £250K to £6M TO.

.At this point, he decided to go and play some cricket in the sun in Malta and so enjoyed it that he decided to stay in 2006, albeit with regular trips back to the UK. Inevitably, he became a little bored and increasingly interested and involved in the contract side of the Timeshare business, mainly Applied to fractionals, hotels and apartments, starting at the bottom, as a sales rep, in order to better understand the business model.

He quickly developed the idea, in tandem with his partner, Charlie Dillon, to implement dramatic contract changes, for example, removing contract liability of maintenance in Timeshare, by accelerating years owned in the future, so clients could use it immediately for an investment cost in the contract. Of course, that was extremely successful. Even at the tail end of Charlie‘s career, they managed to sell over £5 million worth of contract improvements in three years.

It was at this point that, he decided to engage in technology and to merge what he’d learnt into developing a sophisticated system that allowed people who own timeshares to rent the weeks they had, out to people who could use them, especially on the new contracts.

And then of course Covid came along!

Being home bound was instrumental in changing his thinking process and William had a huge focus on how he thought the future was likely to be, which is, indeed, proving to be the case, in that over 60% of business is now conducted over the smart phone, even though the predominant technologies are PC based and built for PC activity.

William also got involved with technical assistance in India and that part of his work and research, goes back four years old and this experience allows Maltix to integrate with and improve functionality for, for example, the My Most Trusted Network lead development system, through LinkedIn and, in tandem with ‘Tawk.to’ global chat system which allows us to manage virtual assistance around the planet via most trusted,(among other routes) into our chat room facility.

With a simple phone interface, the business Application services, associated with each QR code, can be changed at any time for the client, simultaneously within our subscription model. We thus introduce our clients to what we believe, are the most advanced SME business services on the planet using “My Most Trusted” and LinkedIn amongst other channels.

After four years of development, he now has a clear vision of what it will take to take Maltix to market and successful growth, profitability, and longevity.

William has extensive board knowledge especially working in business recovery. He understands the responsibilities of limited company status and also understands the importance of the pitch deck to gain funding for marketing needs and business expansion and profitability.

11.2 Charlotte Dillon, Company Secretary ( Interim Finance Director.)

Company Secretary (acting Finance Director) Maltix Ltd. Jun. 2017 to date

General Manager – Glam B Ltd & Game Ltd. Jan. 2019 to date.

General Manager – Marketing & Promotion Ltd in conjunction with Spa Holidays part of JZT Fortina /Investment/ Fortel Group Nov 1999 to Jan 2019

Responsibilities

· Manages both HR functions including staff selection employment and induction.

· Obtains visas, residence and work permit documentation and approvals at all levels.

· Ensures corporate and governance compliance, including that for data protection in multiple national jurisdictions.

· Payroll for 30 staff

· Corporate Data Entry, and its standards and regulatory compliance across 4 databases)

· Liaison with the commissioner of revenue and tax departments and any of their staff, as required.

· Manages stock control and purchasing for three retail stores (approx. €.3.5 Million.)

· Manages the banking and accounts (approx. €21M. pa)

· Closing of annual accounts for both companies to audit level.

· EA to the Directors of both companies.

· Manages the day to day running of both companies, including the daily cash sheet reconciliation, and balancing.(approx. 3000 transactions daily )

And additionally, for Glam B Ltd & Game Ltd

· Manages holiday accommodation reservations.

· Responsible for

§ Organising staff.

§ Property advertising and marketing. (Budget c €50,000 pa.)

§ Reservations.(30 per annum)

§ Financial accounts.

General Manager (Promoted from salesperson) Marketing & Promotions 1994 to 2019

This marketing company promoted and sold Timeshare contracts within a number of 4- and 5-star hotels. Charlie, started as a sales rep on cold line sales and subsequently took over the sales completions and contracts for 4 Hotels.

Achievements:

Over 15 years or so was responsible for achieving from €1.2M to €50M pa sales, with a contract conversion rate generally better than 85% for up to 6 hotels and 2000 holiday units at a profitability of 220% and an annual contract retention of 99.3%

(From 2015 to 2018 she made, just one hotel, €5M in profits with several others similar).

Duties:

· All legal paperwork and contracts for sales

· for all purchases including any monthly finance payments received within bank accounts.

· Responsible directly to the Managing Director for current cash flow and predictive annual forecasts

· Daily liaison with Project Directors, Sales Managers, Sales representatives, and the Managing Director of the Company as well as the Directors of the hotels, obtaining new inventory for sales and usage.

· Responsible for sales contracts and liaison with the clients, explaining their rights and also liaising with them when they came back to use their purchases.

Charlie then took on the role of in-house sales Manager putting her in charge of all of the sales representatives, providing their pricing information and collecting money from them.

Eventually she was in charge of 175 sales representatives and 8 Inhouse representatives, and was responsible for setting their weekly, monthly, and annual targets and making sure that those targets were met.

Manager Fractional Sales – Marketing & Promotion Ltd in conjunction with Fortel Services 2015 to 2019

When the company branched out into fractional sales, she was put in charge of the new operation responsible for all of her previous activities, plus the new fractional sales operation and dealing with its documentation, SoPs, compliance, completion etc.

11.3 Maurice T Watts, Marketing and Sales Director

Maurice joined the board, by invitation, in February 2023, to help take Maltix to Market.

He is a: Board level, Marketer; Marketing Mentor and Troubleshooter, and Owner/Founder.

Founder, Owner/ST Melville Marketing – 1990, Managing Director Melville Marketing Ltd. - 2022

Qualifications:- BSc(Hons.) Electronics, DMS, DipM, FInstSMM, MCIM, MIDM, MIoD,

IOEE Certified Mentor, Certified Teacher (Youth and Adults)

Profile: He applies the skills and knowledge of 50 years of hands on, face to face, sales, and marketing, across a range of industries and sectors, won a national marketing award in 1989, and helps organisations from £20M T/O corporates to: one-man bands, charities and NFPs, to survive, grow, thrive, and, sometimes, stun the world.

Awards: First Prize, London Tourist Board, Presidents Marketing Award (Student Section) 1989. Team Leader and Spokesperson. Theme: “Eating Out in London”

Co Wrote the “Communications” submission for the Children’s Play Council Charity’s successful bid for £150M of Lottery Funding.

Career:

· 3 years, electronics as a research tech in prototype communications systems (MOD [Navy])

· 4 years, University Hons. Degree in Electronics (with Significant SU engagement)

· 10 years, Sales Engineering (Systems usually with computers in them) with major international Corporates. (Dexion International, GEC-General Signal Ltd., Honeywell Inc., ENM [Rank Industrial], STC.)

· 4 years, running 2 ITeCs (Information Technology Centres – 5 staff & 40 trainees) training 16–19-year-olds, in tech and business skills, Created and delivered training scheme and income generation business plan from scratch.

· 3 years, Marketing Manager, CAD software house, servicing; businesses, 23 international distributors and 35 UK Dealers. #4 in World, #2 in UK and then:-

· Formed Melville Marketing and became self-employed 1990.

· As Contract Marketing Manager, took Trend Network Services to best 2 quarters in history resulting in the profitable sale of this £20m division of a £120M corporate 2000-4

· Successfully, marketed the Corporate Balloon Company Ltd for about 8 years achieving an Airline Operators Certificate (AOC) and a successful promotional visit to the Albertville winter Olympics having also set them up to do Business in France under French law.

· Founded Melville Marketing Ltd. as Managing Director June 2022

· Formed The Visualisation Press, publishing house division of MM, 2009, ;published his first book in 2009 and supports a few specialist authors with book, and back office, activities.

Board Experience: Current: MD, Melville Marketing Ltd. Marketing Director Maltix Ltd. Past: (Legal) Sales and Marketing Director – Kalms Associates Ltd, Marketing Director (1998-2000– Potentials Plus Ltd/The Thinking Consultancy Ltd (1995-2000), Marketing Director GII Consultancy Ltd (x2) (20016-17), (Functional) Current: Titanium Capital Marketing Director (UK) Past: Marketing Director, Routes to MarketR2M Ltd.; Head of Sales and Marketing; Erudyte Ltd/Speakers Company/Rainmakers Company.

Commercial Details:-

· Structure: Managing Director & Sole Trader, VAT registered, UK. Appointed Director (Companies Act) 6 times [Resigned, all but current 2, all, in good standing], plus two, Job title.

· Engagements: from 1 day to 20+ years, 14 long term and at least 30 one offs

· Modes: PAYE. Annual Contract, Day Rate, Project Rate, Commission only, Override.

· Size: from 1 man SME to £20M subsidiary of £120M Group

· Activities: Marketing Direction/Management, Consultancy, Sales, Training, Mentoring, Exhibitions, Running Courses, Presentation and Speaking, Coaching, Psychometrics. VC/Investor Pitches, MLM Distributor.

Sectors:-

· IT (Vars, Network services, Software houses, Manufacturers, Research, Software and system Testing, CAD/CAM, Distributors, Sales Management Software systems, CRM, VoIP )

· Personnel/HR: (Psychometrics, Recruitment, Outplacement, Consultancy, CV writing Services, Expert Witness in PI Cases, Speaker Training, Counselling, Mentoring, CRB Checks, Translation/Interpreting services)

· Leisure: (Scuba Dive training and Equipment sales, Scuba Dive Holidays, Hot Air Ballooning and Promotions,)

· Retail: (IT, hardware, software and networks, Tea retailing and supply, Double Glazing and Home improvements, Scuba Equipment, Experience Days, Gift and Promotional wares, Artisan Soap, Water filters, Space Alarms, Beauty, and Nutritional Supplements )

· Hospitality: (SE Asian Food Court, Events)

· Publishing/Visualisations: (Visualisations for Relaxations, Healing and Business progress, Haiku Writing, Haiku Book, Books on: Stress, HR Training, Outplacement Strategies.)

Other skills and Training:-

· Sales: Training courses by: Dale Carnegie, Honeywell, Huthwaite, Kaiser, Sandler, Thermastor, BAC, Zenith.

· HVAC: Honeywell Certified for design of HVAC systems.

Committee work:

· Anglo-Nigerian Railway Consortium – Representing GEC plc.(UK)

· Computer Graphics Suppliers Association (CGSA) – Representing RoboCAD Ltd.

· CIM West London(Heathrow) Branch Committee – Member for Business Liaison

· SE Region ITeC Committee – Representing Spelthorne and Hounslow ITeCs

Social Media:

WhatsApp: +447712828653

Linkedin: www.linkedin.com/in/mauricetwatts

11.4 Michelle Scott, VA and Onboarder, in Chief

Career

Owner / Virtual Assistant – MSVA – Jan. 2021 – To date

As a virtual assistant, she specializes in various areas including social media management, general administrative tasks, lead generation, website design, and template design, providing comprehensive support to businesses and individuals in optimizing their online presence and streamlining their operations.

Branch Administrator – Servest Landscaping – Feb. 2020 – Dec. 2021

Her main function was to prepare adjustments for financial reporting. She was actively involved in creating spreadsheets for reporting, consolidating feedback to our head office, and assisting our Regional Manager and Branch Manager with day-to-day administrative tasks.

Assistant to the General Manager - Garden Court Hatfield - Tsogo Sun – Feb. 2019 – Feb. 2020

As a secretary and assistant to the GM, she successfully managed key performance indicators such as customer communication, sales coordination, staff requirements, event organization, training facilitation, injury reporting, guest assistance, duty manager responsibilities, and interdepartmental communications.

Procurement Specialist - Servest Corporate – Feb. 2016 – Jul. 2018

As a procurement specialist, she effectively managed mobile spend, travel, and stationery portfolios, while excelling in vendor negotiation, spend management, investigating deviant spend, supplier vetting, and B-BBEE control as key performance indicators.

Executive Assistant to the Managing Director - Servest Landscaping – Feb. 2016 – Feb. 2017

This role had a strong focus on strategic planning and decision-making. She was also responsible for efficiently managing complex diaries, coordinating events, capturing meeting minutes, facilitating seamless travel arrangements, streamlining information, and reporting from multiple branches, and providing comprehensive administrative support to enhance organizational effectiveness.

Business Developer - Servest Landscaping - May 2012 - January 2016

Her position as business developer prepared her to become proficient in lead sourcing, tender management, database maintenance, client engagement, document preparation, and various sales support functions, driving growth and generating opportunities for increased revenue and market expansion.

Education and Training

· 120 Hour Advanced TEFL Course TEFL Universal 2022

· SPIN Selling Huthwaite 2019

· SAP Tsogo Sun Academy 2019

· Opera Tsogo Sun Academy 2019

· Executive Support Short Course UCT Get Smarter 2017

· Intermediate Level Excel Creative Minds 2015

· Sales Management Short Course UCT Get Smarter 2014

· NQF 4 -Real Estate Rawson Properties 2009

Languages

· English

· Afrikaans

12. Maltix Ltd. Timeline and Roadmap

This is the Maltix timeline and road map to date with a few forward-looking timing milestones. We will describe the planned forward vision for delivery and tech acquisition later in this section.

12.1 Timeline for MaltixQR

Date

Activity

Sept. 2018

CEO made extensive Study of PWA technology

Jan. 2019

Research and define QR systems and platforms

Feb. 2019

Systems research started

Sept. 2019

Solutions creation started

Nov 2019

Service partners researched

Feb. 2020

Service partners identified and engaged

May 2020

Initial roll out

May 2021

Proof of Concept Achieved

June 2022

Consolidation of onboarding, features and delivery systems start

Jan. 2023

Engaged and Appointed Partner as Co. Secretary & interim FD

Feb. 2023

Engaged and Appointed Marketing and Sales Director

March 2023

Engaged CTO (and his Outsource Software Organisation)

March 2023

Identified and started engagement with Backoffice programming Resources

March 2023

Recruited VA and a team of onboarding experts for custom interface processes

April 2023

Recruited Sales and Marketing Affiliate Appointed

April 2023

Created and started onboarding “The Maltix Beta Tribe”

April 2023

Negotiations started with Bulk buy Network Opportunities

April 2023

Start Affiliate recruitment

May 2023

Recruited Research and Development Director Appointed

June 2023

Launch Affiliate scheme

July 2023

Recruit more software and associated provider facilities

July 2023

Expand Onboarding teams

Sept. 2023

First Funding ( 2nd Round Funding type)

Oct. 2023

Start Roll out of high-end bespoke Service Offerings

Oct. 2028

IPO ??

12.2 Going Forward

N.B. As an organisation MaltixQR intends to be the interface between complex cutting edge technology and entrepreneurs and business chiefs who would benefit from that day-to-day, but who have neither the time no the inclination to indulge the significant learning overhead that generally comes with this technology.

Our plans for the next 2 years or so are to move into small business provision alongside in situ corporate solutions all using our Phone Based services to fully address the Phone users’ business needs. This means that we embellish QR symbols and their associated links as gateways to a range of services.

Working with Pro QR, PWA, Chat and knowledge base, Smart Form Solutions & CRM plus allied technologies should mean that we offer bespoke up to date solutions for all Smartphone business needs.

13. Appendices 13.1 Update and Version Control 13.1.1 V10.0GtM – First Version 13.1.2 V10.1 - Second Version

· New Section on Green and Sustainability issues

· Appendix Links to articles on PWA vs Regular Web/Website Apps.

13.2 Appendix 1 - Master Business Planner Pitch Deck Spreadsheet. (Link) 13.3 Appendix 2 – Invitation to Funders (PDF Link) 13.4 Appendix 3 – Executive Summary – (PDF Link) Presentation: 13.5 Appendix 4 - Selected UK SMEs by trade

These are the selected entries for those we deem to being a possible target market and ignores certain sectors, such as construction.

Selected UK SMEs by trade

Number of SMEs in the UK 2022, by sector

Selected

Number of small and medium-sized enterprises in the United Kingdom in 2022, by sector

Professional, Scientific and Technical Activities

761,735

Wholesale and Retail Trade

547,190

Administrative and Support Service Activities

471,710

Other Service activities

354,770

Human Health and Social Work Activities

340,505

Information and Communication

334,245

Education

307,840

Arts, Entertainment and Recreation

274,430

Manufacturing

242,915

Accommodation and Food service

220,340

Real estate activities

129,695

Financial and Insurance activities

83,155

Totals

4,068,530

13.6 Appendix 4a - Selected USA SMEs by trade

Industry (nonfarm, according to NAICS)

Non-employer (x1000)

1-19 employees (x1000)

Professional, scientific, & technical services

3,772.57

770.71

Other services (except public admin.)

2,851.69

656.72

Real estate & rental & leasing

2,942.24

313.39

Administrative, Support, and Waste Management

2,595.84

311.74

Arts, entertainment, & recreation

1,563.26

119.7

Accommodation & food services

497.34

423.35

Finance & insurance

755.32

220.76

Educational services

894.7

76.16

Wholesale trade

391.67

243.98

Manufacturing

354.2

181.09

Information

363.63

71.49

Management of Companies and Enterprises

4.79

Industries not classified

11.37

Sub Totals

16,982

3,405

Total

20,388

13.7 Appendix 5 –Glossary

MaltixQR Ultimate (formerly Rosmerta) is our VPA/VEA service named after Rosmerta the Romano-Celtic Goddess of Abundance, Profit, Organisation and Prosperity

MaltixQR VA (formerly Lares) service provides a human VA service for onboarding, information, support and troubleshooting, Lares was the son of MaltixQR Ultimate and the God Mercury, God of Communications. (Pronounced Lar (as in Larry) – aze (as in haze))

PWA – Progressive Web Application (Looks and feels like a website with anywhere up to 10 plugins. However, it's a single integrated app, encompassing the equivalent of all of those plugins, but seamlessly joined together in a single application, custom built from a selection of modules, and capable of being specified to work perfectly, on a number of platforms including all varieties of smartphone. Usually at a fraction of the cost of a website)

PWA’s typically use about 25% of the code energy and bandwidth of a comparable web site and are therefore significantly more eco-friendly not to mention being faster, and less memory hungry.

Beezer – A PWA platform and Engine

Fliplet – A PWA platform and Engine

PhoneSite – A proprietary app that behaves like a small website using a fraction of the code, energy, and bandwidth.

BiziCard - A proprietary app that provides VCard functionality with the addition of links to all of the clients’ social media feeds and web presence, again, on minimal code and bandwidth.

Tawk.to – An extremely sophisticated chat system (text and or voice), with an associated knowledge base, chat recording system distributed action plans and programmers and programmed responses among many state-of-the-art features.

Chat GPT – an advanced language model capable of scanning/searching large volumes of text and providing prompt driven precis and analysis. Can be deployed on an ill-defined subset of the total web space, or directed internally, to local stored text, or knowledge bases.

CRM – Customer Relationship Management system, essentially a database containing contacts, associated sales records, order activity, and associated account activity which can either be used for analysis and reporting or can be attached to automated systems for following leads sending prospect letters and even sending scheduled social media content.

AI – Artificial Intelligence. Usually deployed to enhance information; search, retrieval, analysis, and presentation.

Knowledge Base – A collection of a range of media, documents, video, podcasts, and more that contain all the knowledge of an organisation, retained, and kept up to date, in a central indexed and searchable location, by that organisation.

14. Appendix 6 - Articles on PWA vs Regular Web/Website Apps

https://www.websitepulse.com/blog/progressive-web-app-different-from-regular-web-app

https://www.csschopper.com/blog/web-app-vs-progressive-web-app/

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