MONEY MOBILITY SUITE™:
M-AGENT™
INTRODUCTION
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © M...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © ...
WE MAKE YOUR FINANCIAL
SERVICES MOBILE
WATCH HOW:
WWW.VIMEO.COM/MISTRALMOBILE/INTRO
WWW.MISTRALMOBILE.COM
SALES@MISTRALMOB...
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Mistral Mobile - Money Mobility Suite: m-Agent for agent banking and agent-based payment services

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Introductory deck on Mistral's m-Agent(TM): mobile solution for agent banking, microfinance and other agent-based payment businesses.

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Mistral Mobile - Money Mobility Suite: m-Agent for agent banking and agent-based payment services

  1. 1. MONEY MOBILITY SUITE™: M-AGENT™ INTRODUCTION
  2. 2. 2 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MISTRAL MOBILE POWERS FINANCIAL SERVICE PROVIDERS TO REACH EVERYONE
  3. 3. 3 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MOBILE PHONE SOLUTIONS FOR THE UNIQUE NEEDS OF FINANCIAL SERVICES Mobile phone front-end applications and interfaces to drive financial services usage MONEY MOBILITY GATEWAY™ FINANCIAL SERVICES PROVIDER
  4. 4. 4 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 ANY PHONE: SHINY NEW SMARTPHONE TO 5 YEARS OLD, MISTRAL MANAGES THE COMPLEXITY BASIC PHONES SMARTPHONES & TABLETS FEATURE PHONES
  5. 5. 5 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 ALL YOUR CUSTOMER’S MOBILE DEVICES CONNECTED TO YOUR TRANSACTION PLATFORM MONEY MOBILITY SUITE™ YOUR BRAND YOUR FEATURESAGENTS CONSUMERS RETAILERS YOUR CUSTOMERS TRANSACTION PROCESSING PLATFORM E.g., core-banking system, stored-value account platform, card processing
  6. 6. 6 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MONEY MOBILITY SUITETM ANY MOBILE OPERATOR: No SIM card or USSD control point on your business INDEPENDENCE FROM MOBILE OPERATORS NO PARTNERSHIP OR COMMERCIAL AGREEMENTS REQUIRED
  7. 7. 7 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 ANY CONNECTION: WITH OR WITHOUT DATA SERVICE, MISTRAL TRANSMITS THE TRANSACTION MONEY MOBILITY SUITE™ WITHOUT DATA SERVICE WITH DATA SERVICE
  8. 8. 8 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 BEAT YOUR COMPETITION TO MARKET UPDATE YOUR FEATURES INSTANTLY, WITHOUT COSTLY CHANGE REQUESTS MONEY MOBILITY SUITETM ADMINISTRATION CONSOLE ADD NEW BILLERS REMOVE FEATURE DUE TO CHANGE IN REGULATION ADD NEW KYC REQUIREMENT ADD NEW LANGUAGE INSTANT UPDATES: Push updates to all or selected users, even without data service. All done without a change request to Mistral.
  9. 9. 9 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 EASY, FAST AND COST-EFFICIENT MOBILE FRONT-END CHANGES Mobile application use- cases are created in the Gateway Admin Tool 1 Required functionalities selected from a list. New forms created in the forms tab. New solution available for users immediately after publishing 2 3
  10. 10. 10 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 ADDITIONAL DERIVATIVE FUNCTIONS EASILY CREATED BY YOUR TEAM 1. Select Platform API = ‘Pay Ad-Hoc Bill’ 2. Create new Feature name = ‘Pay DSTV’ 3. The required fields are provided 4. Select Field Type, Screen Number, Position on screen and Data Policy for each API Parameter No change request, by your own employees, available to users in minutes
  11. 11. 11 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE CONFIGURABILITY IN PRACTICE ADDING NEW FEATURE TO THE USERS TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE Michael is a customer of The Bank and uses their mobile services. The Bank has updated their mobile financial service offering to include savings accounts. Product manager is configuring the new feature with the Gateway Administration Console™… …and publishes it to all of their customers’ mobile applications. Michael receives a notification that a new feature is available… …and is able to use the new feature immediately! Let’s launch our savings product!
  12. 12. 12 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 BENEFITS OF CONFIGURABILITY DEPLOY ONCE, UPDATE ENDLESSLY UPDATES TO ALL OR TO A SEGMENT ONLY REDUCING COSTS WITH APPLICATIONS ALL APPLICATIONS REMOTELY CONFIGURABLE Using either encrypted SMS as a bearer or IP if available; no user action required for updates New features delivered in minutes to entire fleet; allowing rapid response to shifting regulation and new market needs Issuer-, Product-, User Segment- or Feature-specific updates allowing personalization of features by service provider’s defined user categories Reduces R&D resource requirements for application maintenance and updates as well as customer service costs
  13. 13. 13 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 BY FOCUSING ONLY ON FINANCIAL SERVICES FRONT-END, MISTRAL PROVIDES THE BEST MOBILE SOLUTIONS Traditional options Mistral Mobile Appli- cations USSD SIM toolkit Unsecure SMS Native Applications Voice-Based Market reach Mistral has native applications for wider set of platforms, critically including Java, the most common in the India market Anywhere connectivity Mistral functions with or without a data network. Critical to working in rural areas. In-house configurability Mistral products give you control for fast market launches and reduced Change Request cost Security Mistral security solution goes beyond standard requirements with its unique key model for each transaction and easy changeable key size User Experience Mistral benefits from decades of mobile design expertise given Nokia history Updatable Mistral enables instant and remote application updates without a user action.. System load Mistral reduces non-financial trnx Mobile operator independent Mistral solutions are independent of mobile operators
  14. 14. 14 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MONEY MOBILITY SUITETM COMPONENTS TO GROW AND INNOVATE WITH YOUR BUSINESS End-Users Solution Devices Supported Platforms Money Mobility SuiteTM Smart- phones Tablets Feature Phones Voice-only Phones M-POS Smart- phones M-POS Feature Phones M-POS Tablets* Data access No data access SMS + voice access Access Channel m-ConsumerTM m-AgentTM m-RetailerTM Gateway User Feature Management Adapter to 3rd Party Transaction System Transaction Security Management Transaction Routing Interfaces *: 4Q13 1: On request Android Java Black- Berry iOS* Windows Mobile* Mobile & PC Browser* USSD1 Applica- tion SMS-IVR Web* Receipt Printer* Payment Card Reader* NFC Reader* Finger- print Reader* USSD1
  15. 15. 15 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MONEY MOBILITY SUITE™: M-AGENTTM Picture: Legos
  16. 16. 16 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MISTRAL M-AGENTTMTraditional approaches MISTRAL M-AGENTTM ENABLES BILLIONS OF PHONES TO BE AGENT TOOLS • Capital expenditure for POS terminals and PCs high • Connectivity limitations due to mobile data and internet requirements • Custom application development and maintenance on POS terminals expensive  No need for HW investments on PCs or POS terminals  No constraints on mobile data availability  Full remote feature management to maintaing services available through different group of agents
  17. 17. 17 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 AGENTS ENABLED TO HANDLE ALL CUSTOMER SERVICING WITH MOBILE DEVICES  Account opening with KYC data and photo capture support  Cash deposits and withdrawals  Bill payments  Payment of salaries  Local money transfers  Balance inquiries  Loan dispursements and repayments  Etc…
  18. 18. 18 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 M-AGENT™ ADVANTAGES Low-Cost Agent Network Growth Agent equipment capital and operating costs are reduced through the use of the Agent’s existing mobile device. Deploy Once, Manage Remotely All transaction features are fully remotely configurable with your Administrator tool. Supports Any Type of Agents From small shops and banking agents to microfinance agents. Enables Any Transaction Type Customer registration with KYC data capture and photo captures; deposits and withdrawals; over- the-counter e-commerce sales such as air-time top-up and bill payments. Constant Access for Agents Agents can always transact with or without a data connection or even when offline. Independent Access to Agents Any mobile operator SIM can be used, meaning no reliance on service agreements or USSD session time-out challenges.
  19. 19. 19 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE Michael wants to register for m- money services at George’s location Michael provides his information, and George asks for an ID George uses his m-Agent™ app and phone camera to take a picture of the ID After registeration, Michael also makes an initial cash deposit George completes registration with his m-Agent™ app that works seamlessly on his existing mobile Michael gets confirmation of account activation and can start using m- money services immediately! AGENT SERVICES: REGISTERATION
  20. 20. 20 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 AGENT SERVICES: REGISTERATION WITH PHOTO OF CONSUMER Michael wants to register for m- money services at George’s location, and provides him with his information As a part of registration, George uses his m-Agent™ app and phone camera to take a picture of the ID George takes photo of Michael as well After registeration, Michael makes an initial deposit George completes registration with his m-Agent™ app that works seamlessly on his existing mobile Michael gets confirmation of account activation and can start using the m- money service immediately!
  21. 21. 21 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE Michael wants to register for m- money services at George’s location, but doesn’t have a national ID George uses his m-Agent™ app with finger add-on that simply plugs into his mobile George scans Michael’s fingerprint— it’s easy and quick using his m- Agent™ biometric solution After registeration, Michael makes an initial deposit George completes registration with his m-Agent™ app that works seamlessly on his existing mobile Michael gets confirmation of account activation and can start using the m- money service immediately! AGENT SERVICES: REGISTERATION WITH BIOMETRIC ID
  22. 22. 22 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE Michael walks into George’s agent location to pay a bill George likes using the Mistral m- Agent™ app because it works seamlessly on his existing mobile George handles the bill payment on his m-Agent™ app using simple-to- use menus and drop-down boxes Michael hands over cash to George in the amount of the bill, plus fees George confirms the cash received and completes the bill payment Michael receives an SMS receipt in a matter of seconds AGENT SERVICES: OTC BILLPAY Payment receipt: Electrical company 50 cu
  23. 23. 23 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICEMicrofinance agent Lucius goes to visit his customer John, who needs a sizeable loan Lucius handles all loans using Mistral’s m-Agent™ app that works seamlessly on his existing mobile Lucius messages HQ to confirm the loan can be disbursed, and receives confirmation to proceed Lucius uses his m-Agent™ app to confirm John’s loan amount and details, which is relayed to HQ The processing takes a matter of minutes, and John is delighted to receive his loan Lucius moves on to meet the next customer in no time MICROFINANCE AGENT: ISSUE MICROLOAN
  24. 24. 24 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 TO ENABLE ANYONE WITH ANY TYPES OF MOBILE PHONE AND SERVICE REMOTE CONFIGURABILITY: INTRODUCE NEW FEATURES TO AGENTS George is a banking agent for Bank and uses Mistral m-Agent™ for customer servicing Bank has decided to give their agents new products that they can provide to customers Bank’s administrator creates new features with the Gateway Admin Console™… …and publishes them to all their agents’ mobile apps George receives a notification that there are updates George can start using the new customer service features immediately! Let’s add new agent services
  25. 25. 25 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 INTUITIVE AND POWERFUL EXPERIENCES SUPPORTING THE NATURAL WORKFLOWS All the data fields are fully remotely configurable. Applications are provided on a fully white label basis.
  26. 26. 26 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 MISTRAL M-AGENTTM SOLUTION COMPONENTS OS Support m-AgentTM Accessories m-AgentTM Fingerprint Reader (1) 1 J2ME version does not support accessories
  27. 27. 27 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 ADVANTAGES OF M-AGENT™ OVER ALTERNATIVE APPROACHES Alternative Options Money Mobility SuiteTM m-Agent™ PC POS USSD Custom Apps Dynamic Apps Notes Cost to deploy No additional HW required Data connection requirements No mobile data required Easily updatable Update features instantly OTC servicing Allows cash- paid OTC services Easy to use interface Simple flows preventing errors
  28. 28. 28 INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013 INTRODUCTORY VIDEOS Mistral Mobile overview http://www.vimeo.com/mistralmobile/intro Money Mobility Suite™ http://www.vimeo.com/mistralmobile/moneymobilitysuite m-Agent™ http://www.vimeo.com/mistralmobile/magent
  29. 29. WE MAKE YOUR FINANCIAL SERVICES MOBILE WATCH HOW: WWW.VIMEO.COM/MISTRALMOBILE/INTRO WWW.MISTRALMOBILE.COM SALES@MISTRALMOBILE.COM TWITTER @MISTRALMOBILE

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