Conferencias del 5B Digital Summit

1. EL NUEVO ECOSISTEMA DE PAGOS
El Ingeniero Gargiulo es el responsable de negocios para la empresa de tecnología
financiera mFino. Pablo tiene pasión por las soluciones de tecnología puestas al
servicio de la comunidad, convencido que el acceso a crédito y nuevas tecnologías es
el motor de la innovación, el desarrollo y el progreso social en general. Pablo
comenzó su carrera como Gerente Industrial y de Negocios para Latinoamérica de
KAO Infosystems . Antes de sumarse a mFino, Pablo se desempeñó como Presidente
Global de ventas y servicios de Imagine Communications. Antes de Imagine se
desempeñó como COO-CMO de Xtera Communications y anteriormente a
Xtera como COO-Presidente Global de ventas y servicios de Genband Inc.. Pablo
nació en la Argentina, vive en los Estados Unidos, tiene el título de Ingeniero
Electrónico y estudios de negocios en Japón y Estados Unidos.

2. Haces hoy algun pago con tu
dispositivo movil?

3. Imagine a world where your phone
was all you needed to pay for
everything
• Pay your bills
• Pay your taxi
• Pay when you shop
• Pay your friend
• Get Paid
• All on your phone…

4. The bank gives Maria a loan onto a mobile wallet
• Maria prefers not to carry cash back to
her home
• The bank likes the ability to track how
Maria spends her money
• They use her finger print to identify her
against the government database
Maria’s wallet

5. Maria uses the money in her wallet to pay bills for her
business
Recharge and Pay
Wallet balance: Q 11000
Equipment lease
Electricity
Yarn
Gas
Mobile recharge
Payment
Wallet balance: Q 11000
Biller Empresa Eléctrica de
Guatemala
Amount Q 290.65
PAY

6. And track and manage her spend and finances in one
place – on her phone
Wallet balance: Q 11000
Manage your moneyManage your money

7. Maria pays the local merchant – mobile to mobile. The merchant is
also a bank agent and can help her withdraw money if she needs it
Transfer Money

8. Maria can now receive remittances straight to her
wallet from her daughter Alma who lives in Dallas, TX

9. Maria’s other daughter Evelyn studies in Guatemala
City
Scan QR Code
Evelyn uses her mobile wallet given by her telco at restaurants to pay

10. Has usado WhatsApp, Facebook
para enviar o recibir dinero?

11. Evelyn can, with the 5B wallet
Her friends use their wallets to send her money through WhatsApp (or other
social platforms)

12. Evelyn is also excited that she will soon be able to use
her wallet to pay for her bus ticket to work
NFC Sticker
Tag attached to phone or
Bluetooth device that
interacts with phone. Can
be active or passive
NFC POS
Powered device that can
transact with another NFC
device
NFC Phone
Phone with Native NFC
Capabilities
NFC Card
NFC card is a preferred
option for transactions
Typically passive

13. The restaurant owner can in turn use his phone to pay
his suppliers
Payment
Wallet balance: Q 11000
Supplier Name Supplier 1
Mobile xxxxx
Amount Q 1290.65
PAY
Supplier Rep Jose Cuervo
Delivery Status
15/01/2017
Supplier 1 Delivered Paid
Supplier 2 Delivered Paid
Supplier 3 Delivered
Make
Payment
Supplier 4
Receive
Delivery
Make
Payment
Supplier 5
Receive
Delivery
Make
Payment
Supplier 6
Receive
Delivery
Make
Payment
Supplier 7
Receive
Delivery
Make
Payment

14. SMS Money Transfer Missed Call Banking
Most functions can be performed regardless of the
kind of phone a person uses..

15. The mFino Fintech transformation platform can make
it all happen
For Established Financial Institutions
DIGITAL solution to run on top of Legacy Systems and
INNOVATION Layer for building new services
For New Age Financial Institutions
FULL STACK DIGITAL solution based on a modern
technology platform with all the core fintech
functionality. No need for Legacy Systems

16. A microservices approach provides
building blocks for financial services
Commerce
Branded Currency
Loyalty, Rewards
Campaigns
Merchant Services
Mobile Financial Services
Mobile Wallet
Bill Payments
Mobile Money
Agency Banking
Agent Assisted Commerce
Lending & Banking
Remittances
CASA
Lending
Deposits
Clearing
General Ledger
Payments
P2P transfers
Social Media Payments
QR Code, NFC Payments
B2B Payments & Settlements
Building Blocks
for commerce, mobile
financial services, payments,
lending and banking

17. Use our “plug-and-play” Appliance model or
customize to your organization’s needs
mFino Digital Solutions delivered using Fintech Appliance Model
Digital Bank
Digital
Transformation
Agile Core
Banking
Lifestyle Services
Mobile Financial
Services
Mobile Wallet
Payments, Commerce
and Loyalty
Agency/Branchless
Banking
Remittances
INNOVATION layer to Customize and/or Build New Solutions quickly
Omnichannel Banking
Fast track Sales &
Onboarding
1
2
Digital Lending
Mobile
Internet
SMS, USSD
Missed Call
Social Media
and more..

18. True omni-channel access

19. Proven solutions deployed in
multiple countries

20. Manage roles and
permissions of various global
stakeholders
User-friendly experience
through advanced UI
Easily view and track
through advanced data
analytics
Enterprise grade
performance and reliability
Ensure your funds are going
to the right place, for the
right purpose
The platform offers financial intelligence and comprehensive
reporting based on big data and machine learning

21. The Admin interface allows for easy rules based configuration – no
programming resources needed

22. A state-of the art fintech digital transformation platform

23. Product Demo

24. Instructions for downloading and using the app

25. ¡GRACIAS!