Michael Shpigel
Senior Technical
Consultant
Molecular
January 2009
The material contained in this document is proprietary and confidential to Molecular. Copies
are made available on the basis that use is limited to the sole purpose of evaluating the
Molecular services. It is not permissible to use, modify, copy or disclose any information
contained herein for any other purpose without the express written permission of Molecular.
If you are not the intended recipient of this material you are requested to take immediate
steps to destroy it.

What is Mobile Commerce?
\"Mobile Commerce is any
transaction, involving the
transfer of ownership or rights
to use goods and services,
which is initiated and/or
completed by using mobile
access to computer-mediated
networks with the help of an
electronic device.\"
2 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Rise of m-Commerce
3 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

M-Commerce
in Action
4 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Growth of Mobile Banking
5 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Mobile
Banking
Today
6

Banks adding mobile services
7 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Mobile Banking Approach
Present
Past Future
• SMS Alerts
• SMS Alerts • SMS Alerts
• WAP and rich client
Bank A
• SMS Alerts
• SMS Alerts
• SMS Alerts
• WAP and rich client
• WAP
• WAP
Bank B
• Mobile payments,
• Rich client
mobile wallet, P2P
8 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Successful mobile banking
implementation
9 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Phase 1 – Addressing the Mobile Channel
Strategy: Create consumer awareness
Implementation: Simple alert/notification SMS push
10 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Phase 2 – Cost savings from the Mobile Channel
Strategy: Create consumer interaction
Implementation: Simple interactive services
11 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Phase 3 – Innovative fee based services
Strategy: Create interactive services with value
Implementation: Complex services
12 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Phase 4 – Mobile Financial Services
Strategy: Create broader mobile commerce
application
Implementation: Advanced services
13 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Four Phases of Mobile Banking
Innovative fee-based
Cost savings from Mobile
Addressing Mobile Channel Mobile financial services
services
Future
mPayments
Simple Interactive Banking Value added interactive
Alerts and
Capabilities
Functional
mBanking
Notifications, push SMS • MicroPayments
• Balance
• Funds Transfer • P2P
• Statements
• Bill Pay • Remmitance
• 2FA • NFC
mCommerce platform with
mBanking platform for
Technology
Silo platforms for SMS,
Messaging Services
Choices
Mobile Wallet
quickly launching
WAP and Rich Client
Alerts Engine innovative services
Unified mBanking Platform
14 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar

Time with Customers
Reach your customers 99% of the
time they are not in your branch or
in front of their computer.
Mobile Devices are where the
physical world and online world
converge.
15 Copyright © 2008 Molecular. All Rights Reserved. | www.molecular.com | Linked by Isobar