Mobile Money-Technology and Product Evolution

2

Universal Access

Consistent Experience

Mastered Security

Embedded in web and other applications

Great User experience

New use cases quickly and efficiently

Packaging

Branding

Processing Rules

Collaboration with external systems

Master Transaction Account/ Paypal model

Link/transact to bank accounts, cards, payment networks

Create multiple options for payment arbitrage

Bridge Payment ecosystems and prepaid mobile account option

Universal PaymentsUniversal PaymentsMobile AssetsMobile Assets Innovation FrameworkInnovation Framework

Create LargestCreate Largest

Network EffectNetwork EffectMass Market Mass Market

OfferingsOfferingsDrive volume/Drive volume/

profitabilityprofitability

Mobile Money Technology Leadership

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3

Broad range of capabilities and directions

Retail PaymentsRetail PaymentsCheck and Cash Check and Cash Replacement Replacement

eCommerce eCommerce mCommerce mCommerce P2PP2P

Bill Payment

Get Paid for SME

Taxi

Subscription and store collections

Home Delivery

Top up mobile and TV

Mobile Tickets transport & entertainment

Web checkout via mobile

Text to buy

Domestic Money Transfer

P2P on social networks

Card to Card

Cash to Cash

International Remittance

Wireless payments at retail (SME)

Payment cards

Virtual Cards with Pins at POS

mPOS (phone only)

Obopay’s broad range of mobile payment services capabilities are positionedto address demand in any geography, market and customer segment

4

Product Evolution

Classic P2P Advanced Obopay Mobile Payment Solutions TodayInitial Obopay

Internet

Obopay User

Obopay User

Prepaid Card

ATMMerchant

Non-Obopay

User

Obopay User

Obopay User

Business Merchant

Obopay User

Obopay User

ATMGovernment

Payment Processors

Indirect Banks Prepaid

Card

Direct Banks Internet Payment

Networks

WirelessCarriers

Non-Obopay

User

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Differentiated, highly flexible platform

Obopay has built a unique, hard to replicate platform and mobile technology to service payment transactions across use cases, markets and geographies

P2P

E/M Commerce

Mobile Check

Topup, Bill Pay

Retail (POS and mPOS)

Casual Commerce

Cash Bank Acct Card Obopay

Load, link or transact Transact or unload

Cash Bank Acct CardObopay

USSD

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Mobile and Branch Agents

• Enables designated agents to enroll, perform KYC and register customers

• Agents use modules for management of customer accounts, cash in & cash out transactions

• Flexible commission, remuneration and settlement structures

• Multiple –channel access including web, mobile web and WAP

Updated Mobile wallet SVABalance ….

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Agent Framework for Extending Reach

RegistrationKnow Your Customer

Cash – InCash-Out

Viral Cash-OutATM Card Distribution

Merchant Sign UpLiquidity

Management

Liquidity Management

Support for Multiple Distribution Networks

Features

Regional Distributor MNO Stores

MNO

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Sales Manager for Physical Cash Management

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Country 1

MSC

BTSHLR

Sub

Country 2

MSC

BTSHLR

Sub

Country 3

MSC

BTSHLR

Sub

Network Node

Centralized Hosting site(DC)

Card

Management

system + Switch

Centralized Hosting site(DR)

Secured Tunnel over internet

Secured Tunnel over internet –Secondary IP

Single Infrastructure –Multiple Countries

Secured Tunnel over internet

Secured Tunnel over internet

Secured Tunnel over internet-

Secondary IP

Secured Tunnel over internet –

Secondary IP

Firewalls

Firewalls

MNOInternet

Network Node

Network Node

External Financial Systems

Operating companies

External Networks & Systems

Concept : International Transaction Hub

ATM CASH OUT

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11

Thank You

www.linkedin.com/company/obopay

http://blog.obopay.com/

http://twitter.com/#!/Obopay

www.facebook.com/ObopayMobilePayments