Leading Mobile Financial Services Provider : mFino by Sridhar Obilisetty

© 2015 mFino Ltd.| All Rights Reserved | Confidential

the mobile financial services platform

Presented By: Sridhar Obilisetty

CEO, mFino Ltd

mFino Company Presentation

Cupertino | Jakarta | Hyderabad, India | Singapore



Based in Sunnyvale, California, mFino is a mobile financial services software company focused on delivering proactive solutions that deliver mobile financial services to any phone, and build user adoption and increase revenue.

Since its incorporation mFino has focused exclusively on the development of the most scalable, flexible and modular, mobile financial service platform in the market.

mFino M-Commerce Research Team has made deep investments in understanding the current bottle necks, MFS adoption and usage curves.

mFino has focused on optimizing MFS for several years to build a platform that provides enhanced user experience and increased revenue for business partners.

COMPANY


Provide the under banked and unbanked population of the world to access their financial services using a device that everyone already owns.

PURPOSE

VISION

mFino’s vision is to empower mobile network operators and financial institutions to deliver targeted mobile financial services through any device and any channel.

OBJECTIVEmFino is a mobile financial services software company focused

on delivering proactive solutions that deliver mobile financial services to any device, and build user adoption and increase revenue.

VISION


• Greater Financial Access– Enabling service providers to deliver basic financial services to the

unbanked, underbanked and offer greater convenience and higher transactional velocity to the banked customers

– Adoption, Usage & Retention and Increased Revenue

• Merchant Enablement– Enabling merchants to accept, process payments and use various tools for

revenue enhancement– Run campaigns, promotions, offers etc.

• MFS Software Appliance– Quick deployment, quick time to market– Provides unified collection of tools, processes, and guidance for automating

payments and offering add-on services to customers– Offers improved security and ongoing configuration management

STRATEGIC FOCUS

© 2015 mFino Ltd.| All Rights Reserved | Confidential© 2015 mFino Ltd.| All Rights Reserved |Confidential

mFino wins Kalahari Award for the Best Mobile Money Platform

Winsthe prestigious

Kalahari Award for the

Best Mobile Money Platformthree times in a row


mFino wins Kalahari Award for the Best Mobile Money Platform

Kalahari Awards hosted by Mobile Money Expo is given to organizations that have made significant contribution to the mobile financial sector and are poised to make considerable market impact in the future. The awards are dedicated to acknowledging creativity, commitment and excellence in the Mobile Financial Services Across Africa.

mFino has been conferred with the most Prestigious Kalahari Award for the innovative work done in the Mobile Financial Services space in Africa.

“Creative and market focused features, ease of customization, quicker go-to-market etc. were few key criteria that our jury was focusing to recognise the Best Mobile Money platform and mFino fulfilled all the criteria that was required””, said

Emmanuel Okoegwale Principal Associate Mobile Money Forum, Africa.


Who We Are?

• mFino is one of the leader in providing mobile financial services platform that enables the delivery of a full spectrum of financial services that meets the current needs of financial institutions, mobile operators, distributors and retailers.

• mFino is focused on serving the banked, unbanked as well as the under-banked and making it profitable for the service providers with the best of breed transaction engine.

• mFino mobile wallet adds intelligence to paper cash, it gives the user ability to set up rules, manage budgets, set restrictions, get notifications and reconcile automatically.

• Powers one of the largest deployments in world handling 450000 transactions per day.

Business & Market Focus

THE LEADING MFS PLATFORM IN THE MARKET


Focus and Commitment Towards InnovationRapidly build, deploy, update and manage complex MFS functionality without an army of consultants and coders.

Provides 360˚ approach to mobile financial ecosystem.

Business Rule Driven Product Offerings | On The Fly Integrations | Extreme Configurability

Innovation & Market Leadership


mFino BUSINESS DRIVERS

Customer Centric Products

Revenue Enhancement

Agility To Market Need and Regulatory Framework

Business Driven Platform


Product Portfolio


mFino Product SuiteMobile Wallet

Mobile BankingProvides a new level of convenience without the expense of traditional channels.

It is a digital version of a physical wallet where customers put all their cards, cash and coupons in one place and they get, access to the financial system from wherever they are.

Allow customers to use their mobile devices for purchasing in stores without the need for cards, cash

or checks. Simplifying the purchasing experience and, an increase in sales for merchants.

Mobile Commerce

Offers a wide range of features that make the delivery of microfinance services and the collection of microfinance payments seamless.

Micro Finance

Enables customers to access their funds in a cost effective, convenient, quick and secure manner through agent networks..

Branchless Banking

Provides fast, convenient, secure, transparent and inexpensive money transfer services.

Mobile Remittance

Core BankingmFino Core Banking key platform for

supporting your bankingoperations.

ContactlessTurns phones into seamless e-commerce channels, Allow customers to pay their fare without slowing the line.

Loyalty ManagementLet the merchants to put together programs

that drive revenue and retention, or create programs.

Bulk DisbursementAllows you to make payments to large

groups, providing money to each in the way they need it.

Social Media BankingTurns mobile app into a social media bank

allowing your customer to supercharge your financial service with social media.

e-Top up Platform for mobile payment services and electronic top-

up for Telco's, allowing them to create and manage distribution chains of prepaid airtime resellers and offer

self service top-up.

Product Suite


Mobile Money

Rapid Rollout Framework | Central Bank Audit and Compliance | Multi-channel access | Transfer money | Make a purchase | Pay a bill | Cash in/ cash out | Account statements | Top up | Rich Feature Set

Get Central Bank License, become a Mobile Money Provider and pave the way for a cash-less society in your market


Mobile Wallet

Multi-channel account access | Any payment method | Transfer money | Make a purchase | Pay a bill | Cash in/ cash out | Account statements | One Wallet | One Card | Top up | Coupons | Prepaid Vouchers | Credit Vouchers | Bank Cards | Add Intelligence to paper cash

Wallet and Mobile Phone Convergence – One Wallet and One Card

© 2015 mFino Ltd.| All Rights Reserved |Confidential


Mobile Banking

Multi-channel account access | Any payment method | 360 degree customer view | Account balance | Account statements | Transfer between accounts | Pay a bill | Monitor accounts through mobile alerts | Deposit money | Access any bank account

Active alerts and comprehensive capabilities bring the bank to your customers



Agency and Branchless Bankingfor Financial Institutions

Agent as an extension of a Branch. Integrated first mile to last mile financial solution for banking the Unbanked and underbanked

Cash-in / Cash-out | Loans @ Savings | Insurance | P2P Transfers | Payments | Top-ups | Ticket Booking | Remittance | Salary Credits | Welfare Payments | Agent Hierarchy | Agent Liquidity Management


Domestic and International Remittances

Remittance Corridors | Multi-currency | Forex position Management | Multi-channel access | Send money domestically and internationally | Send to registered and unregistered customers | Send via an authorized agent | Receive in a mobile wallet | Collect cash at an authorized agent, or, at an ATM | Convert currency for international remittances

Fast, convenient, secure, transparent and inexpensive money transfer services



Mobile Commerce Applications and Payment Solutions

Build business through focused, scenario-based commerce apps and mFino’s merchant enablement and revenue enhancement suite

Taxicab Application | Coffee Shop Application | Movie Theater | Transport | University ID Card | National Payment Switch | Settlement Platform for Micro Payments | ……… | Full Suite of Merchant Enablement and Revenue Enhancement Solutions | Commerce and Payments Platform for Distributors



Microfinance

Multi-channel account access | 360 degree customer view | Create loan accounts : personal, housing, small business, etc. | Payment reminders | Calculate interest | Receive payments | Provide account statements | Send reminders and other alerts

A micro loan solution that can aid individuals or businesses in need



Internet Banking

Access through PC or laptop | Any payment method | Account statements | Transfer money between accounts or to a third party | Pay a bill | Cashout at ATM

Provide your customers with Web access for all Banking needs



Social Media Banking

Connect your customers with their networks to provide Convenient and Personal banking experience through social media

Access through any mobile device | Send money to a friend anywhere | Split a payment | Send a gift | Provide access through Social Media | Talk to customer service



SMS and Missed Call Banking

Balance inquiry | Mini-statement | Money transfer | ATM card blocking | Car and home loan inquiry

Provide easy account access without a data plan



E-Top Up

Airtime | Satellite TV | Electricity | Stock Management | Any channel access | Any payment method | Top-up any user’s account | Top-up through retail and Agent | Distribution hierarchies | Request bulk airtime | Allocate and transfer | Commission programs | Mobile applications for users, resellers and telcos

Give Agents a digital tool to efficiently manage, sell and track top up sales. Provide around the clock anywhere access via customer self-service top-up


Telco


NFC, QR Code and LBE

Turn your customer’s phones into seamless m-commerce channels

Use any NFC Enabled Phones, Stickers, NFC enabled Smard cards | Use any payment method | Use NFC or QR codes for purchases | Buy and present tickets for movies, sporting events, or anything else | Pay for transportation (e.g. subway, rail, taxi) | Provide PIN or biometric authorization



Loyalty Management

Create programs to drive revenue and retention. Launch for individual merchants or that cross all to drive customer revenue


Any mobile device access | Purchase with points and/or other methods | Provide loyalty points for purchases | Define program levels | Set awards including free products, discounts, points as rewards | Send promos, loyalty alerts | Account statements | 360 degree customer view


mFino Value Proposition

Mobile Financial Services

• Improve ARPU through value- added services

• New sources of revenue• Enhance loyalty and

customer retention• Reach new market

segments• Brand differentiation• Provide an innovative

payment experience to customers

Benefits for Service Providers

Develop high margin lines of business and increase customer loyalty through Mobile Financial Services


Proven, Battle-tested Solution



Key Technology Differentiators

• Easily Deployable• Can be dropped into a Bank or Telco

corporate IT infrastructure as Software appliance

• Can be offered as SaaS offering • Framework based platform services

deployment to enable deployment of services on the fly

• Configurable Integrations with Ecosystem• Out of the box Self Integrating

framework to support multiple interfaces.

• Out of the box adaptable interfaces for Payment Gateways, Telco billing systems, Bank’s Core Banking systems, Online Banking infrastructure

• Advanced Technology Infrastructure• Customer centric product offering

through advance technology infrastructure.

• Accounting• Bank Grade GL / Accounting

• Scalability• Service Bus Architecture & Modular

approach• Platform can be scaled up vertically

and horizontally

• Development cycle agility• Loose Coupling - definite Interfaces

for Platform modules

• Highly configurable Business Rules• Language, Currency, Alerts and

Notifications• Template Driven• Charges and commission Rules• Loyalty and Campaign rules• Onboarding Processes

• Embedded Worklist feature• Management of work Queues for

Admins and other Actors• Notifications on Pending tasks etc.


The mFino Advantage

• Fast time to market• Configure transaction processes, roles

and permissions, create and update mobile apps all without coding.

• Rapid integration to key business systems through APIs.

• Comprehensive, scalable and secure platform

• Ready for your current and future needs.

• No need to cobble together multiple vendor solutions.

• Deploy once, reach any channel• Support for text, web and smartphone

apps, ATMs, PCs, POS devices and more.

• Deliver services where you need them.


Thank You

Contact: [email protected]

Cupertino | Jakarta | Hyderabad, India | Singapore