The Trillion Dollar Secret Banks Don’t Want You To Know

The Trillion Dollar Secret Banks Don’t Want You To Know by Ian Jenkins – OilPrice

Banking as we know it may soon be dead. Long live super-banking.

Banking has a disease. It’s stuck in a time warp and inspires little trust or customer confidence, but that was yesterday …

Today, the genius of technology is surrounding this space, and the future may already be here.

Banks are scared, and they should be. They’ve forgotten that the customer is king, and that this is a digital era where innovative new fintech companies have them surrounded.

Digital and mobile payment platforms are replacing traditional banks and credit card systems.

American frustration with the banking industry has led to record years of mounting complaints …

Source: CNBC

Welcome to the banking model reboot, and one company that is ready to roll out the super-bank model of the century: One that will serve millions of ordinary customers by listening, by making it super-easy to pay your utility bills, send and receive money and even buy and sell cryptocurrencies.

The massive digital evolution that could completely up-end the banking industry is already here …

And the company behind the super-bank evolution is QPAGOS (OTCQB: QPAG).

QPAGOS is already working with giants in the telecommunications and tech industries: That includes AT&T, Xbox, Apple, Virgin Mobile, Nextel–and 150 others.

And it’s ready to latch on to the opportunity to try to capture another 400 million customers over the next few years.

The company plans to roll out tens of thousands of self-service kiosks in the U.S. and if that sounds wild, it is—but it’s not wildly expensive.

QPAGOS’ plan to capture the evolution of banking comes at a ridiculously low price tag compared to traditional banking.

Not only do Super-Banks operate at a fraction of the cost, they have more profit potential because of the fee structure that collects on a wider spectrum of services.

So far, QPAGOS has been seeing double-digit quarter-on-quarter revenue and earnings growth for four straight years.

Now comes the big push … and while traditional banks are busy shuttering thousands of branches in the suburbs and out-backs, this Super-Bank is preparing its major breakout.

Consider this: they’ve already got 700 self-service banking kiosks up and running. The next phase is 1,000 new kiosks, and they’re planning 10,000 over the next few years.

The future of banking is here. Don’t be late to the game.

Here are 5 Reasons to keep a very close eye on the QPAGOS (OTCQB: QPAG) breakout:

#1 Fees, Fees, Fees: A Revenue Generating Genius

QPAGOS has already stormed Mexico, now it’s coming to the U.S.QPAGOS has positioned itself as one of Mexico’s pre-eminent providers of cutting-edge digital payment services for both consumers, merchants and services providers.

The company’s payment ecosystem is huge. It boasts a massive network of self-service banking kiosks, point-of-sale terminals and mobile apps that connect merchants and consumers with more than 150 service providers across multiple devices.It’s even got a proprietary electronic wallet–Monedero—which lets users deposit cash for future top-ups or mobile app purchases.

It’s established in Mexico, where it is one of the pre-eminent providers of cutting edge digital payment services. And it’s a household name on all fronts: consumers, merchants and service providers.

Mexico has been a gold mine, with 60 percent of its population not using banks and 95 percent of consumer purchases being made in cash. Enter QPAGOS with a digital solution that met everyone’s needs.

Mexico was the springboard. And it was a wild success. What has come since then is global.

And its payment solutions have already been successfully deployed across continents, including South America, North America and Europe.

And it’s all about revenue. In this case, it’s about combining the massive revenue of banks, online payment processors and mobile payment solutions.

We’re talking about multiple revenue streams:

The potential markets for payment processing, utility payments and overseas remittance services are mouth-watering, and that’s just in Mexico:

#2 Scaling Up: 10,000 New Banks Coming

Let’s break it down, because this is only part of the game:

Not only does QPAGOS earns fees when people upload funds to Monedero when they have to pay bills for the hundreds of providers on the platform…

It’s also launched a charm offensive targeting the lucrative international remittances market.

The company has begun rolling out a huge network of self-service banks along the U.S.(California)- Latin America corridor to facilitate cross-border money transfer and payments.

And it’s planning to deploy 1,000 self-service kiosk in California in Phase 1 and rapidly ramp up to 10,000 self-service banks over the next few years.

Capturing 1 percent of this lucrative market means a good $280 million revenue opportunity for the company…

5 percent is good for $1.4 billion…

and 10 percent means a massive $2.8 billion revenue opportunity for QPAGOS.

As the company continues to rapidly scale up, its addressable markets and revenues are expected to grow in tandem. This should provide it with excellent growth runways that are likely to help the company exceed its already robust revenue growth clip of 58 percent Year-over-Year and 37 percent Quarter-over-Quarter (posted during the first quarter of 2018).

#3 A Very Lucrative Model of Inclusion

Capturing the global banking market right now is about two things: inclusion and self-service. That’s why traditional banks are way behind.


Until now, QPAGOS has mainly targeted Mexico, where low credit card and ecommerce penetration and a high cash usage have created a huge market for this product.

In Mexico, only 2 percent of the country’s $200-bilion annual retails sales are transacted through credit cards.

Source: Finnovista

The unbanked world is much like the USA was in 1950. Inefficiency has ruled the day.

Long queues, high banking/payment fees and low cash-machine coverage are all the hallmarks of the banking industry in these countries.

QPAGOS noticed these glaring inefficiencies and responded, seeking to bring a super-bank kiosk to every street corner.

Then they added pre-paid payments, loans, remittance… and even cryptocurrencies like Bitcoin (which most banks won’t touch).

Now, in Mexico, they’re targeting a market with 6 billion cashless transactions a year, and have started reaping the rewards.

The value proposition is impressive:

  • Intuitive, easy-to-use touchscreens that not only allow direct interaction with customers but also generate new leads which allows QPAGOS to cross-sell its multiple services to users. 
  • Tailored payment solutions easily adapted to different customer needs housed in highly secure data centers and designed for rapid deployment. 
  • A vendor agnostic system, which means they can be delivered through a wide range of hardware devices including its self-service banks, mobile devices, POS devices and PCs.
  • Proprietary payment solutions that aren’t just cheaper, but they offer wider geographical coverage depending on mobile connectivity.

This is how you capture a market: with flexibility.

In fact, it’s all so flexible that it’s ideal for everyone from retailers who want to decongest teller lines and agent networks of independent businesses with high customer traffic … to banks and financial intermediaries who want to extend their geographical collection points.

Or government municipalities that are looking to bring services closer to citizens…

Or even a wide range of electronic payment distributors who would like to use QPAGOS’ self-service banking kiosks to reach customers.

#4 Huge Network for Major U.S. Rollout

The beauty of it all is that QPAGOS is likely to hit the ground running once it embarks on rolling out self-service banking kiosks across the United States. 

Behind these super-bank kiosks is an entire ecosystem of service providers including heavy-hitters like AT&T, Facebook, Dish, Sky, Movistar, Maxcom, Nextel, Telcel, Infonavit, Telmex, Izzi, CFE, Gas Natural, Pronosticos and other mainstream service providers, Mexican government agencies, mortgage providers and consumer agencies.

Again, the U.S. rollout is going to see 1,000 new kiosks along the California-Latin America corridor, and a whopping 10,000 in the next few years.

And QPAGOS has a huge moat …

Boasting considerable technology and contractual moats, QPAGOS is set to expand and defend its position in the cash2digital payments industry.

While it’s technology infrastructure focuses on premier, revenue-generating and expansion-enabling flexibility …

It’s contractual agreement moat is equally impressive.

QPAGOS has already signed up more than 140 mainstream service providers to its platform including ATT, Xbox and cell phone providers Telcel, Telmex, Virgin Mobile, Nextel as well as other large providers that serve millions of Mexicans.

Now they can focus on the business of rolling out super bank kiosks in the U.S.

#5 Super-Tag Team for Super-Banking Evolution

Led by CEO and Chairman Gastón Pereira, QPAGOS is trouncing the future of banking. Pereira, formerly of Citibank, has over three decades of experience in financial services, cross border payments and telecommunications in all the right geographies: U.S. Europe and Latin America.

In this sector, he’s a groundbreaker, and when it comes to digital consumer financial products and services, he’s a pioneer. Nobody knows Latin America remittances like Pereira, and this will be one of QPAGOS biggest expansion areas.

It helps, too, that Director James W. Fuller, a former senior VP of the New York Stock Exchange (NYSE) is on board, along with Andrey Novikov, a figure synonymous with global innovative payment services.

Together, they are building a momentum that is bulldozing its way across continents. More super-bank kiosks are rolling out in Mexico right now, but the biggest opportunity presents a critical moment for investors: They’re preparing a major U.S. rollout right now, and with earnings growing over 30 percent quarter-on-quarter, the next quarter close is drawing near …

By. Ian Jenkins


PAID ADVERTISEMENT. This communication is a paid advertisement., Advanced Media Solutions Ltd, and their owners, managers, employees, and assigns (collectively “the Publisher”) is often paid by one or more of the profiled companies or a third party to disseminate these types of communications. In this case, the Publisher has been compensated by a third party shareholder to conduct investor awareness advertising and marketing for QPAGOS. The third party shareholder paid the Publisher sixty six thousand six hundred and sixty six US dollars per article to produce and disseminate six articles and certain banner ads over an approximately six-month period. This compensation should be viewed as a major conflict with our ability to be unbiased.

Readers should beware that the third party shareholder, other third parties, profiled companies, and/or their affiliates may liquidate shares of the profiled companies at any time, including at or near the time you receive this communication, which has the potential to hurt share prices. Frequently companies profiled in our articles experience a large increase in volume and share price during the course of investor awareness marketing, which often ends as soon as the investor awareness marketing ceases. The investor awareness marketing may be as brief as one day, after which a large decrease in volume and share price may likely occur.

This communication is not, and should not be construed to be, an offer to sell or a solicitation of an offer to buy any security. Neither this communication nor the Publisher purport to provide a complete analysis of any company or its financial position. The Publisher is not, and does not purport to be, a broker-dealer or registered investment adviser. This communication is not, and should not be construed to be, personalized investment advice directed to or appropriate for any particular investor. Any investment should be made only after consulting a professional investment advisor and only after reviewing the financial statements and other pertinent corporate information about the company. Further, readers are advised to read and carefully consider the Risk Factors identified and discussed in the advertised company’s SEC and/or other government filings. Investing in securities, particularly microcap securities, is speculative and carries a high degree of risk. Past performance does not guarantee future results. This communication is based on information generally available to the public and does not contain any material, non-public information. The information on which it is based is believed to be reliable. Nevertheless, the Publisher cannot guarantee the accuracy or completeness of the information.

SHARE OWNERSHIP. The owner of owns shares and/or stock options of the featured companies and therefore has an additional incentive to see the featured companies’ stock perform well. The owner of will not notify the market when it decides to buy or sell shares of this issuer in the market. The owner of will be buying and selling shares of the featured company for its own profit. This is why we stress that you conduct extensive due diligence as well as seek the advice of your financial advisor or a registered broker-dealer before investing in any securities.

FORWARD LOOKING STATEMENTS. This publication contains forward-looking statements, including statements regarding expected continual growth of the featured companies and/or industry. The publisher notes that statements contained herein that look forward in time, which include everything other than historical information, involve risks and uncertainties that may affect the companies’ actual results of operations. Factors that could cause actual results to differ include, but are not limited to, changing governmental laws and policies, the success of the companies’ technology, the size and growth of the market for the companies’ products and services, the companies’ ability to fund their capital requirements in the near term and long term, pricing pressures, etc.

INDEMNIFICATION/RELEASE OF LIABILITY. By reading this communication, you acknowledge that you have read and understand this disclaimer, and further that to the greatest extent permitted under law, you release the Publisher, its affiliates, assigns and successors from any and all liability, damages, and injury from this communication. You further warrant that you are solely responsible for any financial outcome that may come from your investment decisions.

INTELLECTUAL PROPERTY. is the Publisher’s trademark. All other trademarks used in this communication are the property of their respective trademark holders. The Publisher is not affiliated, connected, or associated with, and is not sponsored, approved, or originated by, the trademark holders unless otherwise stated. No claim is made by the Publisher to any rights in any third-party trademarks.

NOT AN INVESTMENT ADVISOR. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendation. ALWAYS DO YOUR OWN RESEARCH and consult with a licensed investment professional before making an investment. This communication should not be used as a basis for making any investment.

INDEMNIFICATION/RELEASE OF LIABILITY. By reading this communication, you agree to the terms of this disclaimer, including, but not limited to: releasing The Company, its affiliates, assigns and successors from any and all liability, damages, and injury from the information contained in this communication. You further warrant that you are solely responsible for any financial outcome that may come from your investment decisions.

RISK OF INVESTING. Investing is inherently risky. While a potential for rewards exists, by investing, you are putting yourself at risk. You must be aware of the risks and be willing to accept them in order to invest in any type of security. Don’t trade with money you can’t afford to lose. This is neither a solicitation nor an offer to Buy/Sell securities.

The Daily Coin Legal Notice: The content in this article is provided by as general information only. The ideas expressed herein are solely the opinions of the author(s) and do not necessarily represent the opinions of sponsors or firms affiliated with the author(s). Members of the staff and/or owners of currently own no shares in the company mentioned. We will not purchase shares in the next 30 days. has been compensated for a two week marketing campaign. We were paid directly by, a third party media company. Any action taken as a result of information, analysis, or advertisement on this site is ultimately the responsibility of the reader. The information herein is not intended to be personal legal or investment advice and may not be appropriate or applicable for all readers. If personal advice is needed, the services of a qualified legal, investment or tax professional should be sought. Never base any decision on a single email. The companies mentioned in this post are intended to be a stock ideas, NOT recommendations. The ideas we present are high risk and you can lose your entire investment. We are not stock pickers, market timers, investment advisers, and you should not base any investment decision on our website, emails, videos, or other published material. Please do your own research before investing. It is crucial that you at least look at current SEC filings and read the latest press releases. Information contained in this profile was extracted from current documents filed with the SEC, the company web site and other publicly available sources deemed reliable. Our report is not intended to be, nor should it be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell securities, or as a recommendation to purchase anything. This publication may provide the addresses or contain hyperlinks to websites; we disclaim any responsibility for the content of any such other websites.

Sharing is caring!