Oblingo has solved the In-App micro-payments question with an innovative approach to product monetization and risk management.

Oblingo leverages the “network effect” to obtain exponential market growth with:

    • Content Providers
    • Gaming
    • Media
    • Consumers (Oblingo Members)

Oblingo creates valuable databases of Member activity to provide additional value to Content Providers.
Content Providers win through product monetization!

• Only about 5% of gamers make In-App purchases

• Recent steep decline by heavier users

• There is no cost efficient & effective model for In-App
purchases.

  • In-App purchases disrupt the consumer experience and cause high abandonment rates.
  • Payment card acceptance and App Store payments are expensive for content providers.
  • Subscription models don’t work for online media.
  • Consumers facing the “pay wall” continue searching for sites where same content is available for free.

Gamers Making In-App Purchase
Within 90 Days of Install

«Over 80% of payers noted they were less willing
to make a future purchase due to the negative experience»

Turning Online Payments Upside Down

Click Below To See
Our Game Demo

video

Product Overview

MEMBERS

API

API

Payment
Gateway

Product Overview

MEMBERS

API

API

Payment
Gateway

Pricing Models Based on Oblingo or Content Provider Risk

Oblingo Bears Risk

Content Provider’s Gross Purchases
Less Content Provider Revenue Share
= Oblingo Gross Revenue
Less Payment Defaults
=Oblingo Net Revenue

Content Provider Shares Risk

Content Provider’s Gross Purchases
Less Content Provider Collected Revenue
= Oblingo Net Revenue

Proprietary Risk Engine

  • Scores each transaction and declines high-risk purchases
    • Content provider-based risk factors
    • Member-based risk factors
  • Proactively adjusts Member’s credit limit based on purchases and payment history

Network Effect

  • If Member does not pay, they can no longer play games from any developer in the Oblingo network.
  • As number of content providers grow, effect of «penalty» for not paying increases
  • Oblingo projects decreasing rate of defaults as the network grows

Oblingo Risk Assessor

Purchase Related Risk

  • Product Type
  • Purchase Price
  • Content Provider risk participant

Purchase Related Risk

  • Payment history
  • Current balance
  • Time since last payment
  • Payment Trigger amount

Approve or Decline