Mobile Banking

Lemon Way / Highlights

 Lemon Way is an Independent Software Vendor specialized into Mobile Solutions

 Mobile Banking Pioneers since 1999

 1st company to offer transactional trading on mobile device

Sales model : ~90% channel

Partners :

 Customers : Banks, TelCo Operators, Asset Management companies

Mobile Revolution / Welcome to the 4 th screen « Internet is dead. Welcome to Mobile Internet » (Google)

Market overview / Analysis « Mobile opportunities for the financial sector » SYBASE

Asia is seriously looking at NFC. In China, China Union Pay has launched this new technology

1,175,068 connections to banking services in 2007

Asia is the first region to adopt mobile banking

Asia

People don’t have home computer nor office computer, but >70% have a mobile phone

Banks need to attract people that don’t have a bank account ye t (<30% have bank account)

People need to secure their money

Africa

60% of internet users acces to their bank account via web

30% of mobile users access to the web with data channel

23% of data mobile users access to their bank account via mobile

The cell phone is the 2nd most usefull object you bring with you when leaving your home (after your keys)

Focus France

61% of non mobile banking users would be interested in mobile services

75% of people mobile banking are satisfed with the services they receive

63% believe the service is very secure

Europe

Market overview / Pains in the banking area

ROI

Bank offices cost too much money, customers wait for a price decrease for bank services

Banks loose assets when parents died (generation transfer)

Crisis

Marketing issues

Problem to attract digital native generation (customers of tomorrow)

People complain but people don’t change for another bank (all « same »)

Bank image is not modern

Customers don’t know about products that may fit to their needs

New comers / Bank 2.0 P2P Payment P2P Lending Social Banking Agregators Online Saving Mobile 2 cash Direct Bank Mobile Bank

 Hungry for change Increasively demanding customers is not a threat : opportunity to differentiate  Feel free Surprise your customers. Believe in tomorrow.  Like rythm! Innovation is reshaping the industry Be a leader Build innovation based on past Crescendo Bank of the future / Better understanding of customers “ I am bored with bank advertisement” “ I am lazy ! Why sould I go to my bank?” “ Bank costs money for what ?”

 Mobile Banking, Mobile Trading  P2P Payment  NFC  Remittance transactions / mobile to cash / mobile to ATM  MVNE Bank  Inter-banking solutions (30% of French population have several banks) Bank of the future / Challenges Bank of tomorrow? Enter the mobile services now!

Lemon Way answer / B2B2C and B2B Offer Wonderbank TV Wonderbank Wonderbank + Wonderbank AM

Wonderbank Mobile Banking:  Secured login  Balance enquiries  Account detail  Operation detail  Fund transfer  Fraud alert  Check Order  Languages  Graphic customization  SMS ack  Bill Payment Target:  Banks  MVNO Banks  Telcos

Mobile Trading:  Quotes  Intraday  Line / candelstick / bar chart  Alerts  History  Portfolio  Advanced search  Market selection  Real-time stock info  Closing value and daily trend  News Wonderbank + / Wonderbank AM Target:  Brokers  Market Places  Banks  Media

Wonderbank TV 29% Worldwide growth - 2007-2011 (PwC) First movers : France, Asia

Wonderbank Diagram Opened & secured web services https 3G GPRS EDGE Data SMS Easy & secured dowload into the mobile device Existing online banking servers Wonderbank Gateway 1 2 3 4 Connexion of the mobile device via any data operator netware

Wonderbank Suite / Advantages

Universality / Porting 90% mobile coverage, 300+ handsets

Universality / Multi-channel Solution iPhone users do an average of 50 times more Google searches than their nearest competitor

Easy / Easy to deploy * Signature not supported.

Professional Services

Wonderbank P2P / P2P Payment Easy way to transfer 15 € Emma sends SMS to: 32100 Text: 15€ / 0663337423 Léa receives SMS from: 32100 Text: “do u c onfirm transaction from Tatiana for 15€?” Validation via authentification system (credit card crypto, date of birth, mother last name…) and Transfer Bank platform 1 2 3

Loan Calculator / Neuro marketing

Entertainment Banking / Trading duel game Marketing Operation: Make’em play … and recruit new customers ! « Register, Play…and get a a scooter ! 1 week to demonstrate your talent in trading. Directly from your mobile device, buy, sell and analyse the trends. You play against more than 100 players. … »

20 days Integration Advertisement Change management Software Requirements Functional Specifications Software Detailed Specifications Test Plan Maintainance Plan Customization & Integration 1-3 year Support Deliveries 60 days Quantitative and Qualitative benefits Prototype M-Banking Project / Delivering value in 90 days Support

Sébastien BURLET CEO [email_address] Contacts http://www.lemonway.fr