mobile money technology and product evolution
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Mobile Money-Technology and Product Evolution
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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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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
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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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Thank You
www.linkedin.com/company/obopay
http://blog.obopay.com/
http://twitter.com/#!/Obopay
www.facebook.com/ObopayMobilePayments