Next generation of True Mobile Banking....

1. CROWNE PLAZA BEIJING SUN PALACE
16-17 NOVEMBER, 2010 BEIJING, CHINA

2. 移动银行创新方案
Barry Chan
扬州实是科技发展有限公司
CEO

3. 对金融业务和技术的影响
MOBY-PAGE FINANCIAL SERIES
driving next generation customers
experience and new business innovation for financial CARE …
3 I Design : Instantly CONNECTED / Truly INTERACTIVE
and Totally INTEGRATED WIN Mobile Solutions …
Barry Chan Founder & CEO
扬州实是科技发展有限公司

4. Investing in Innovation
Trends, Challenges and Opportunity
Mobile Service On Demand for Financial Services Solution Area
Next Generation Online Banking CARE Service with FAST Speed
Resources
TRUE ON-LINE FINANCIAL TOOL – MOBY ATM

5. Investing in INNOVATION
Converting knowledge and ideas into
A ALL-IN-ONE HANDY TERMINAL WHICH CAN
PROVIDE
new or improved products and services
improved efficiency and effectiveness
enhanced customer experiences
better ways of doing business to gain a
competitive advantage
The more reach ,
more user friendly,
more interactive,
better understanding
of your customers,
The better the
Bottom line !

6. new and improved products and services
Hassle free! No need to download any new software.
All-in-one personalized customers’ communication system
that increases bank and financial institutions profitability to
provide better services.
Enhancing customers' satisfaction, capturing user loyalty while
increasing “internal” sales and driving down operational costs.
True Mobile Unify Communication Terminal with multiple
tiers for security control:
- Pay your bill, check your balance, review your recent
transaction, wherever you are on the go…

7. improved efficiency and effectiveness
Inbuilt Moby-Page Financial System a 24 x 7 Customer
CARE Centre.
Intuitive and easy to use touch screen device with multi-
media and multilingual capability featuring Dynamic CRM
Contact Point running on SQL server.
Moby-Page provides preset ATM function instantly
connecting you direct to all banking / financial services
available.

8. enhanced customer experiences
Personalize Service-on-Demand – streamlined with the most
advance Digital Contents Management System (DCMS).
Truly Interactive real time response and service level monitor
system.
No more barriers! - Moby Page Financial Series is a
universal device to help local banks acquire more foreign
customers based locally.

9. Targeted true-Multimedia content
and service directory
Service Request
Inquiry Support
Interactive Dealing Channel
Inter-Group communicator
Access Control /PMS
Unify Communicators
C/R/H : Dedicated Bank counter/private offices
L /G :Digital Content Display / Virtual ATM
S: Back Office
G VIP Self Service Private Kiosk
Mobile communication with bank’s staff
Targeted multimedia ads and news
Messages Campaign Generator
Bank Architecture Scheme

10. better ways of doing business to gain a
competitive advantage
Optimal banking service and maintenance activities
Eliminate "miscommunication cases" and costly gestures derived.
Reduce the queues at service points like reception, bank queues,
ATM kiosk, etc…
On-going low cost update of all marketing material while reducing
the printing costs - including the service directory book, the
banking service menus and the “MOBY” order form.
Ever-updated information on customers’ behavior and transactions.

11. CONFIRMED - in a preview of Microsoft Windows
Phone 7 will include:
• Multi-touch will be a core feature
• Targeted at high-end market as current android
phones
• competing phones will be "knocked in the different
realm" of Microsoft's new platform.
Trends, Challenges and Opportunity

12. Increase in mobile banking:
• Biggest mobile phone trends taking off in 2009 has been developments in
mobile banking.
• People are not just using the mobile web to access their accounts or
receiving text message alerts from their banks!
• Technology improvements means you can actually use your phone to
make payments at the point of purchase.
• This is going to be something that we start to see implemented in more
and more places in 2010
1
2
Mobile coupon use will become commonplace.
• As more and more people start to use their phones to make payments
they will also start looking at ways to decrease the cost of their spending
• Using mobile phones, people are already starting to get mobile coupons
which are accessed right on the phone and used at various stores.

13. Smart Phones will truly become the norm.
• Touch-screen smart phones will likely continue to rise in popularity.
• The coming of Microsoft Win Mobile 7 will lead to an increase in
purchases in this area specifically.
Mobile broadband speeds will increase.
• People want fast mobile web access on their phones just like they do
on their home computers or laptops.
• This means that the new LTE systems allowing for faster mobile
broadband will be something that gets a lot of attention
3
4

14. 5
Attention will be given to improving battery power and network
capabilities.
• As mobile phones do more and more things they are draining their
batteries more quickly.
• They’re also taxing the network.
• Creating new technology that can handle our modern use of mobile
phones is going to be a key aspect of the mobile industry in the years
to come.

15. Mobile Service On Demand for Financial Services
Moby-Page Financial Series now enables a portal solution for
Mobile Banking which is more intuitive. Making it easier, more
convenient and secure for financial institution / bank to serve their
customers to navigate and handle banking transactions wherever
they are.
We’ve also enhanced the user interface, email notification and
delink function.

16. MOBY-PAGE Financial / Mobile Banking Series
With Moby-Page Financial Mobile Banking Series bank customers can easily access
online banking anytime, anywhere via wireless , GPRS or 3G on your mobile phone
without having to download additional software, it is safe, secure, easy to use, convenient
and peace-of-mind.

17. Moby-Page Financial /
Mobile Banking Series Features:
 Allows bank customers to view account
information easily, with navigation customized
to mobile phone.
 Perform fund transfers to personal accounts
and third party accounts.
 Bank customers can pay their utility and
credit card bills – anytime – anywhere.
 Bank customers can check latest foreign currency
rates, personal account and make investments online.

18. Dynamic CRM ?
Customer Loyalty ?
下一代真正移动银行IT架构

19. MOBY MLS/PG
Overview
Internet TPC / IP Web Based
OS : Windows, Mac, Linux /
Unix Browser : Internet
Explorer, Netscape, Mozilla,
Fire-Fox
Intranet (VPN) - TPC / IP
Web Based OS : Windows
XP / Win 7 + Internet
Explorer 6 or the latest

20. Bank MOBY-PAGE
User Role
Supplier (Multiple)
Agency (Multiple)
Member (Company & Individual)
User Role
Supplier (Banks and partners services and
products )
Member (Company & Individual)
Web Portal
Supplier Portal
Agency Portal
Member Portal
Web Portal
Supplier Portal
Member Portal
Security Level
Multi-tier
Security Level
2-tier
Membership Loyalty System (MLS)

21. Portal &
Integration Layer
(Developed by
ASP .NET & .NET
Framework)
Application Layer
(Developed by
CRM SDK & .NET
Framework)
Foundation Layer
(CRM , SQL
Reporting &
Analysis Services)
Database Layer
(SQL Server )
External Systems
e.g. POS, COS, BO
China Union-Pay,
Credit Cards &
Banks
Current MLS / PG Architecture

22. Product Bundling Across Multiple Suppliers
Cost & Price (Individual Item and Bundle)
Loyalty & Redemption Point (Individual Item and Bundle)
Supplier EDI (Electronic Data Interchange) Connector
Multiple Suppliers – Purchasing
Cost/Price Update
Banking Product Categorization
Deposits
Foreign Exchange
Securities
Bullion, Metals and Commodities
Insurance
Remittance
Product Knowledgebase
Check List
Reminder
Digital Content Management System (DCMS)
Research Report ,
Buy and Sell
signal
recommendation;
hot news…

23. SQL Server
Active Node
SQL Server
Passive Node
`
Staff Portal
SQL Cluster (Virtual SQL Server)
CRM Server
Reporting Services
CRM Server
Reporting Services
NLB Cluster (Virtual CRM Server)
Portal Server
Integration Server
Portal Server
Integration Server
NLB Cluster (Virtual Portal Server)
Load
Balanced
Cluster
Load
Balanced
SAN
Optical
Fiber
MOBY MLS/PG
High Availability Environment

24. Bank MOBY-PAGE
Exchange (Buy/Sell) and Reservation
Platform
Deposit Request
Foreign Exchange Currency
Security
Commodities
Insurance, Accessory, etc
Dealing Platform
Dedicated Bank / Department
Interface
Web Portal - DIY
Customer Service Center
Agency Portal (Branch) – Serve Customers
Interface
Web Portal - DIY
Customer Service Center
Product Knowledgebase
Comprehensive (multiple products)
Multi-level Mix-and-match
Product Knowledgebase
Instant (Banking Products)
Single-level
Packaging
Standard Bundle (such as Swap Deposit )
Tailor-made Package (such as Standard Bundle
+ Insurance + Suitcase)
Packaging
 TBD
Central Dealing System (CBS)

25. Settlement Management System (SMS)
Consolidate Transaction Request (form Tailor-made Package)
for Delivery
Portfolio Management
Warehouse Management
Settlement Connector
Multiple Interbank Clearance (e.g. Interbank system,
CUP, Jetco, Visa, Master and Amex )
On-line Tracking# and Log

26. MULTI CHANNEL
CONTEXTS Driven
INCREMENTAL
SERVICES AND DATA
IP CENTRIC
APP EMBEDDED
BUSINESS SERVICE
MANAGEMENT
来源: Forrester Research, Inc
适应下一代银行需求
的IT架构

27. Next Generation Online Banking CARE Service with
FAST Speed Resources

28. 创新银行案例 - Umpqua Bank
业务需求
通过吸引创新服务吸引更多客户在网点办理
业务而增加收入
方法
通过类似零售商店的创新网点吸引客户
建立起明确的、以客户为导向的企业文化
提供与众不同的客户体验
成效
像零售商店一样宣传和包装银行产品
首个下一代网点吸引了数百万美元的新增存
款，比预期值高出一倍以上
在过去五年中年均复合增长率超过30%
与传统网点相比，可以吸引更加富有、更为
年轻的客户群（年龄介于26岁至35岁之间）
在财富杂志的2008年最佳雇主评选中名列第
13位
IBSG - 20Copyright © 2007 Cisco Systems, Inc. All rights reserved.Cisco Confidential IBSG - 20
Innovative Examples:
Fast Growth through Retail Approach
 Business Goal
Increase deposits
 Solution
Attract customers with branches that have
look and feel of retail stores
 Results
Merchandising and packaging bank
products like a retail store
First next-generation store brought in $35
million in new deposits, doubling estimates
Revenue growth >30% CAGR over past
five years
Voted 13th on the Best Company to Work
For on Fortune 500 Magazine in 2008

29. 融合高档酒店、零售商店和银行特色于一身

32. 与众不同的客户体验

33. 以客户为导向
的企业文化

34. 通过下一代银行IT架
构提供客真正移动银
行体验

35. Thanks you !
For inquiry :
Please contact me at 18605229977 or
Drop me an email at barry@mobypage.com