1. MeaWallet
Experts in cloud based mobile solutions
Lars Sandtorv
Founder & CEO
+47 909 55 111
Lars.sandtorv@meawallet.com

2. Mobile Payments Mobile Access Mobile Wallet
Be a part of the future of
payments – enable contactless
and remote payments in your
existing app
Reduce your cost and improve
your efficiency – all your office
cards in one app with cloud
based access cards
An all-in-one white label
wallet solution, including
app and backend
End-to-end
mobile wallet
services and
mobile solutions
Center of excellence
Expertise and in-depth
knowledge about mobile
solutions, wallet and cloud
based security
Adopt contactless
payment with your app
The future of payments in your app:
HCE, tokenization and cloud-based
payments

3. MeaWallet business idea
Be the preferred technology provider in cloud based mobile solutions
• MeaWallet is a leading technology provider of end-to-end
mobile wallet services and mobile solutions, enabling secure
contactless and remote mobile services to banks, access
control providers, mobile network operators and retailers.
• Using the MeaWallet’s Mobile Services Platform and Mobile
Business Components for payments, any application or
mobile wallet can be enabled to perform contactless payments
in-store as well as remote payments for m- and e-commerce.
• The cloud-based payments service includes support for
tokenization and HCE based on the global standards from
EMVCo and obtained licences from MasterCard and Visa.

4. MeaWallet - The company
Experts in cloud based mobile solutions
• Established in 2012
• Strong management team
• 24 employees + external team in India
• Experienced team with a track-record from the
financial and the wireless industry, both from large
corporations like IBM and Ericsson as well several
VC-backed start-ups
• Professional investors
• External team in Bangalore
• 50.000 hours of development represent a large
investment in new technology
”…the fundamental investment in a service-oriented
architecture coupled with a cloud-based service
delivery model has enabled the company to capitalize
on emerging market opportunities...”

5. The MeaWallet management team
Ove Teigen, (VP Sales) has been working in sales, both
locally and internationally, in the IT industry for more than 20
years. He has experience from companies like Bull (Steria),
BEA Systems (Oracle), IBM and CA Technologies.
Steinar Svalesen, (COO) has more than 20 years experience from
mobile-/digital business with a focus on business development and
investments in start-ups and growth companies. He has built,
managed and sold companies in Norway and USA. He is also a
board member of several technology companies.
Lars Sandtorv, (CEO & member of board) has been in the IT-
industry for more than 20 years and done several start-up’s. He
has been working direct or indirect with Wifi, RFID and NFC
technology for more than 10 years. He has also 5 years
experience from international business development in IBM.
Annely Aljas, (Member of the Board) has spent 6 years working for
the British Embassy in Tallinn, with a focus on start-up investments
in the UK and Baltic States, with specific focus on born-global
technology startups and their financiers. She previously worked for
the Estonian Police Board, including FBI support.
John Longhurst, (Executive Chairman) has been an investment
analyst and fund manager with global leaders such as Capital
Group of Los Angeles and PIMCO. For 28 years he invested in
global interactive media, industrial, and defence/aerospace
industries, as well as broader geopolitical areas. He has invested
in and led start ups for over a decade.
The management team has extensive experience from the bank-, IT- and security ecosystem, as well as the mobile wallet
ecosystem after working for leading companies such as IBM, Elavon, Europay, Luup Solutions, Telenor and Ericsson
Geir Norlund, (CIO & member of board) has a long career within
IT, financial services and mobile solutions. He has had leading roles
in companies like Europay, Elavon, Luup Solutions and IBM,
working with local and international customers worldwide.
Morten Mansrud, (VP Business Development) has more than
twenty years’ experience from the IT-industry and financial
services from the Nordics and globally. He has held senior
positions in companies such as Tieto, Evry and IBM in sales
and business development and has a strong track record from
card payment, mobility and banking solutions.
Māris Čakste, (Country Manager Latvia) has worked for Tieto in
the payment cards area as a sales manager in Europe. Prior to that
Māris has gained knowledge of the IT industry in German IT
solutions company servicing the E-commerce industry. Māris holds
a Master of Science degree in International Management at
Flensburg University, Germany.

6. In October 2013, Google launched
Android 4.4 (KitKat), introducing
Host Card Emulation, which enables
secure and virtual payment
authentication, using the OS and
NFC.
This has made the SIM-based
Secure Element obsolete for
Android mobile phones, opening up
the mobile payment ecosystem for
new players.
First generation mobile wallet-/payment solutions are designed with the Secure Element in a physical SIM-card. The Secure Element provides
necessary transaction security for mobile payments and is an essential component of the mobile payment ecosystem. SIM-cards are controlled
by mobile telecom operators in each local-/regional market, putting these companies at a privileged strategic position in the mobile wallet-
/payment ecosystem.
Retail banks world wide need to
strengthen their strategic position
relative to new entrants. New
solutions for mobile payment- and
wallet are key elements in retail
banks’ digital transformation.
MeaWallet is positioned as a neutral
and global provider of payment- and
wallet services to retail banks, using
a virtual Secure Element in the cloud.
Reduced barriers to entry, new
entrants and changing industry
dynamics puts increasing pressure on
retail banks to become digital.
Significant new entrants include
retailers (Tesco and Komplett), media
companies (Schibsted), commercial
airlines (Norwegian), infrastructure
providers (PayPal) and digital
ecosystems (Google, Facebook and
Amazon.com)
Key technology driver Business opportunity Key market driver
The mobile payment market drivers

7. The mobile payments market
Forecast - 1,5 billion active “Mobile Wallets” in 2017
Source: NFC Forum
”…as the number of wallets continue to grow, we believe our strategic position supplying these wallets
and apps with advanced modular payment functionality through our Mobile Business Components is
a robust strategy enabling us to implement the ever evolving new global payment standards…”

8. The payments industry is being transformed by new
standards and technology
Fundamental changes world wide
USA introduce EMV (Chip & PIN) 2015
• All US bank cards will be replaced with chip & PIN
• New payment terminals will support NFC
• 8.000% increased sales of NFC terminals in Q3-14
Apple - iPhone 6 with NFC & Apple Pay
• The NFC ecosystem is now expected to grow much faster
• All smartphones manufacturers support NFC
Changes in EMV standards
• Tokenization (cloud) approved – The TSM is less important
• Mobile operators are disrupted – no need for SIM cards
• Interchange fees have been reduced from 1,5% to 0,3%
+500 million smart phones with NFC in the market today
• Mainly Android smartphones
• New low-end (EUR 50) smart phones with NFC
Payment

9. Market position
The mobile wallet and mobile payment market
Leading edge
technology solutions
for mobile
wallet and
cloud based
payments

10. Mobile payments - what the analysts say
The market starts now - reaching tipping point in 2015
MeaWallet is ready and certified to serve the market now!
Finextra, 13 January 2015
NRK, 2 January 2015
Forbes, 2 January 2015
Why Is The Starbucks Mobile
Payments App So Successful?
Starbucks is a clear leader in mobile
payments and we are encouraged by
how consumers have embraced
mobile apps as a way to pay.”-
Howard Schultz.

11. Mobile Payments
User experience in a Mobile Bank App
On-boarding of new virtual card ready for mobile payment

12. Mobile Payments
User experience in a Mobile Bank App
Mobile payment transaction
Balance and transaction
overview
Tap to pay… Payment successful

13. Complete Mobile Wallet framework – White label
Turnkey Mobile wallet with 6 verticals – hosted as a service
Turn key Mobile Wallet solution
Ready for 6 verticals, including payment
Support NFC, HCE, QR, more
Offer all your customers a Mobile Wallet
White Label Mobile Wallet
- Brand your own Mobile Wallet
- HCE-enabling, using tokenization security
- Support of open and closed loop payment card schemes
- Supports EMV Cloud based payment standard
- Flexible integration layer through ESB/SOA
- Payment, Loyalty, Coupons, ID, Tickets, more..
- PCI Certified
- Reduce total cost by 60-80%
Delivery models
• Managed services
• Customer/externally installed and operated datacenter
• Customer/externally installed solution with
MeaWallet remote operations

14. Be a part of the future of mobile payments
Enable contactless and remote payments in your existing bank app
Cloud based mobile payment
- Adopt contactless NFC mobile payments in any app
- HCE-enabling your app, using tokenization security
- Support of open and closed loop payment card schemes
- Supports EMVCo cloud based payment standard
- Flexible integration layer through ESB/SOA
- PCI Certified
Delivery models
• Managed services
• Customer/externally installed and operated datacenter
• Customer/externally installed solution with
MeaWallet remote operations
Reduced time-to-market by 60%
Reduced cost with cloud based solution
No need for SIM or embedded secure elements
Go mobile with your credit or debit cards!

15. Cloud based payments for retail / card issuer
Enable contactless payments in your existing retailer app
Cloud based mobile payment
- Adopt contactless NFC mobile payments in any retailer app
- HCE-enabling your app, using tokenization security
- No need for SIM or embedded secure elements
- Support of open and closed loop payment card schemes
- Supports EMV Cloud based payment standard
- Flexible integration layer through ESB/SOA
- PCI Certified
Delivery models
• Managed services
• Customer/externally installed and operated datacenter
• Customer/externally installed solution with
MeaWallet remote operations
Go mobile with your credit or debit cards!
Reduced time-to-market by 60%
Reduced cost with cloud based solution
No need for SIM or embedded secure elements

16. Cloud based Mobile Access
Reduce cost and improve efficiency
Cloud based access
- Contactless NFC / BLE mobile access
- Cloud SE-enabling your app, using tokenization security
- FG standard++
- Flexible integration layer through ESB/SOA
- Your access card instantly available in the one device you
always bring
Delivery models
• Managed services
• Customer/externally installed and operated datacenter
• Customer/externally installed solution with
MeaWallet remote operations
Your access card instantly available in the one device you always bring
Reduced time-to-market
Reduced cost with cloud based security
Embedded secure elements

17. MeaWallet Mobile Business Components and Services
Enable secure contactless services in your existing app
Value proposition
- The MBC work as a layer of components between device
OS API’s and the mobile application.
- MBC is connected to MeaWallet Mobile Service Platform
for handling of mobile card services.
- Any card can be provisioned, distributed and activated
using the MeaWallet Mobile Service Platform.
- Complex features provided as easily integrated APIs and
SDKs
Delivery models
• Managed services
• Customer/externally installed and operated
datacenter
• Customer/externally installed solution with
MeaWallet remote operations
Mobile business components
Reduced time-to-market
Reduced integration cost
R&D Mobile expertise and know how

18. Contact us today
If you want to be a part of the mobile wallet platform
or add cloud based payment
Don’t hesitate to ask us about our
products and services
Email post@meawallet.com
Call +47 920 37 333