Aseba ji mba_presentation_solution_overview_nbv5_stylePresentation Transcript
ASEBA JiMBA Solution Overview 01.06.2010. ASEE Dražen Pehar ASEBA JiMBA Solution Overview ASEE Igor Gr žalja
Mobile world today
Mobile banking: Set to Growth?
Mobile banking: Technology?
Mobile banking: Case Study
ASEBA JiMBA: Solution Overview
… or Ripe?
Mobile World Today
Mobile world today Europe p enetration Source: Wikipedia < 100% 100-115% 115-130% > 130%
Mobile world today Everywhere, Anywhere!
Mobile phone is
the most ubiqitous
Set to Growth?
Mobile financial services worldwide
Mobile banking has a potential to
become primary banking channel
Mobile financial services
new revenue streams
new marketing channel
new clients acquisition
and retention of existing
new product and services
(in collaboration with other
Money transfers and payments
over mobile phones will be among
the top 10 most important mobile
applications by 2012, together with
location-based services, search,
browsing, health monitoring,
advertising, instant messaging,
music etc. (Gartner, Inc.)
By 2013, mobile phones will
overtake PCs as the most common
Web access device worldwide;
smartphones and browser-equipped
phones will exceed 1.82
billion units (Gartner, Inc.)
In the past several years mobile
market is one of the fastest growing
In the past several years mobile
payment industry is experiencing
steady growth: in 2008 43,1 million
users, in 2009 73,4 million users -
growth 70,4% (Gartner, Inc.)
Mobile banking identified as the
“ killer application” for the next
generation of mobile phones
Mobile financial services growth
remains strong despite crisis
TODAY TOMORROW OPPORTUNITIES
Mobile Banking Set to Growth? Source: Celent, May 2008
Mobile Banking Set to Growth?
Worldwide number of users of m-banking & related services will grow to 913m in 2014 , compared to 20m m-banking users in 2008.
Mobile banking has huge potential
Mobile banking ?
Checking transaction history?
Purchasing Pre-paid vouchers?
Investment Fund Management!
Requirements on Direct banking services …and on m-banking in specific?
Simple to use
Availability of terminal devices
Availability of service
Transaction processing time requirements
Simple & Intuitive user interface !
User interface mobile device independent !
Mobile operator independent !
M -bankin g technologies Comparison Mobile device model dependant Most mobile device model independent Mobile device model dependant Most mobile devices model independent Non dependant on MNO Extremely dependent on MNO Non dependant on MNO Dependant on MNO Branding possible Limited or no branding possible Branding possible No branding possible Rich functionalities and client application possibility of using advanced mobile device functionalities (Touch screen, LBS, etc.) Very limited functionalities, difficult to deploy and maintain (upgrades) Good functionalities, but dependant on mobile device Internet browser possibilities.
good for alarms or info presentation
complex to use for payments
Graphical user interface exists, easy to maintain consistent visual appearance Limited user interface, non consistent visual appearance (dependant on mobile brand and model) Graphical user interface exists, but difficult to maintain consistent visual appearance on mobile devices. Non existing friendly user interface (user has to know the commands) Excellent security possibilities Excellent security possibilities Good security dependant on external devices. Unsecure – low or non existing security possibilities J2ME/iPhone Application SIM Toolkit Mobile browser SMS
M -bankin g technologies Application?
Nokia's App Store will launch with 20,000 items
by Brad Linder ( RSS feed ), May 9th 2009 at 12:00PM
Samsung Application Store will go live from September 14
by Samsung Hub , on August 31st, 2009
Around 300 applications will be up for download and is expected to grow to 2000 apps by the end of this year .
Sony Ericsson Joins the App Store Crowd, by Kerry Capell , Technology June 3, 2009
By August its customers will be able to personalize their phones with a range of downloadable utilities, tools, and games over multiple platforms. Another differentiator for Sony Ericsson is that, thanks to Java , it aims to migrate the phenomenon of downloadable apps down from high-end smartphones —which typically cost upwards of $500 before rebates—into more prosaic "feature phones " that can cost less than $200.
The movement to apps, and away from old-school "browsing," is unstoppable. The iPad joins a growing list of new devices (Android, Kindle, etc.) that are app-primary, browser-secondary (note 3). Nokia App Store Windows Marketplace
Mobile banking ASEBA JiMBA
on Java Phones and iPhones
ASEBA JiMBA Main Solution Components
End-user’s client application installed on mobile phone
Mobile Internet connection to mobile operator (GPRS/EDGE/UMTS)
Mobile banking server accesible from Internet
Core banking providing information and executing transactions issued by client application
ASEBA JiMBA Security
Server side SSL/TLS Encryption
Integrated token for authentication (Chalenge - Response)
Integrated token for Digital Signature (MAC)
ASEBA JiMBA Architecture
ASEBA JiMBA Service Activation
End-user applies for service
At branch office
Using Internet banking
Request is sent to provisioning platform
SMS with link for client application download is sent
Activation code is sent
Via SMS or e-mail
Using Internet banking
Via secure PIN mailer
End-user downloades the application, starts it, enters the activation code and defines own PIN
ASEBA JiMBA Service Usage
After installing and succesfull activation, user accesses the application using PIN
PIN decrypts local keystore
Using secret key, application generates One-Time-Password and sends it to server side for validation
Once OTP is positively authenticated, user is granted access to information and services delivered by solution
m-zaba real production demo
ASEBA JiMBA Standard Edition (1/2)
Currency exchange information
ASEBA JiMBA Standard Edition (2/2)
Transactions ’ History R eview s
Marketing Campaigns and Personal Messages
ASEBA JiMBA Extended Edition
Credit / debit card information
Card transactions information
Pre-paid mobile phone vauchers purchasing
Investment funds information and transactions
ASEBA JiMBA Advanced Edition
Mobile gift cards
ASEBA JiMBA Integration Points (1/3)
Registration – service contracting
at branch office – registration application must exchange registration data with provisioning platform
through Internet banking – end-user logs-in to existing Internet banking account, requests mobile banking service and gets the activation code
ASEBA JiMBA Integration Points (2/3)
Information and transaction processing
ASEBA JiMBA Integration Points (3/3)
Sharing transaction templates with Internet banking
ASEBA JiMBA Supported Mobile Phones
J2ME mobile phones
iPhone & iPad
ASEBA Tested & Certified – 450+ devices
iPhone , BlackBerry 8100, BlackBerry 8300, BlackBerry 8310, HP iPAQ 6915, HTC S710, HTC S730, HTC TouchDual, HTC TyTN, HTC TyTN_II, LG KE850, LG KE970, LG KU250, LG KU800, MDA Touch Plus, MDA Vario1, MDA Vario2, MDA Vario3, Motorola K1, Motorola L6, Motorola L7, Motorola V235, Motorola V3, Motorola V3r, Nokia E51, Nokia E61i, Nokia E66, Nokia F305, Nokia N70, Nokia N73-1, Nokia N80, Nokia N91, Nokia N95, Nokia 3110, Nokia 5300, Nokia 5310XpressMusic, Nokia 6085, Nokia 6110Navigator, Nokia 6111, Nokia 6120, Nokia 6151, Nokia 6230, Nokia 6233, Nokia 6288, Nokia 6300, Nokia 6500, Nokia 6680, Nokia 7370, Nokia 8600, Nokia 8800, Qtek 8500, Qtek 9100, Samsung SGH-E740, Samsung SGH-J700, Samsung SGH-U700, Samsung SGH-U900, Samsung SGH-Z240, Samsung SGH-Z560, Samsung SGH-Z560-Vodafone, SonyEricsson K510i, SonyEricsson K530i, SonyEricsson K600i, SonyEricsson K610i, SonyEricsson K750i, SonyEricsson K770i, SonyEricsson K800i, SonyEricsson K850i, SonyEricsson M600i, SonyEricsson P990i, SonyEricsson S500i,SonyEricsson T303, SonyEricsson T650i, SonyEricsson W200i, SonyEricsson W580i, SonyEricsson W760i, SonyEricsson W800i, SonyEricsson W880i, SonyEricsson Z530i, SonyEricsson Z800 ,…