Digital Mobile Money offers mobile financial services consulting and technology products. They help banks, mobile network operators, and merchants provide digital financial services. Their products and solutions portfolio includes a mobile wallet platform, agent and distribution management, KYC and customer care tools, AML solutions, microfinance products, and on-demand software development services. They have experience launching mobile money services across many global markets since 2008.

1. We make it simple, easy & reliable

2. Who we are
Digital Mobile Money offers state of the art technology products, consulting services,
and solutions across completely unbanked to partially banked markets. We
revolutionized the way to help Banks, Mobile network operators (MNOs),
Merchants/Retailers to create and provide high quality and cost efficient digital financial
services to their clients. We provide you the products and methodology that
dramatically decreases your time-to-market to start providing high quality experience to
your customers. Our products, solutions and consulting services portfolio mix have all
the capabilities to lead our clients in following areas:
1. Mobile Financial Services
2. Mobile Money
3. Branchless Banking
About Us
We are operating in Digital and Mobile Financial Services space since 2008 directly,
individual’s combined experience, or through our network of partners. Headquartered in
Melbourne, Australia, DMM has a network of well-established offices and partners
across Australia, US, Europe, Singapore, Canada, Myanmar, Pakistan, South Africa,
Thailand, UAE, and United Kingdom. Our strength is our partner and professionals
network from across the Financial Services ecosystem, with members ranging from top
tier financial services companies to entrepreneurs & independent consultants with vast
experience in Mobile Money. We have worked closely with our partners to deliver
products, solutions, and consulting services meeting our client specific needs. DMM’s
key strength is its partner eco system that helps provide a suite of products and pool of
highly experienced subject matter experts.
For further information and demo on Smart Customer App, please email us on:
hello@digitalmobilemoney.com.au

3. Our Mission
Today’s business mantra is customers. According to “Outside
In”; a research by Forrester Research analysts, we live in
customer’s age. To fulfil this business mantra, DMM promises
to provide you the products and methodology that
dramatically decreases your time-to-market to start providing
high quality and low cost digital and mobile financial services
to underserved/unbanked and banked customers.

4. Muhammad Hamayun Sajjad
CEO
A seasoned entrepreneur that holds various positions as board member and director at D3, Webcom, and Welkin International.
With over 15 years’ experience in the mobile financial services, payments industries, and telecommunications A Technologist
who has management excellence in his DNA. With a deep rooted experience in IT solutions and a 360 degrees understanding of
business drivers, Hamayun has a great passion for business enhancement leveraging the powers of ICT. As an executive he
served Telenor, Teradata, NCR, and Bentley.
He has been member of core team responsible for various Mobile Money & Pure Digital Banking launch and operations. Brands
to which he contributed includes Wave Money Myanmar, Easypaisa Pakistan, Telenor Banka Serbia, and Paysbuy Thailand.
Vast experience in operating across different countries in EMEA & APAC region namely Myanmar, Thailand, Australia, Singapore,
Serbia, Hungary, and UAE. Built strong network with top executives and government officials by spending significant time on
ground in these countries.

5. Clients & Partners

6. Mobile Money & Financial Services
According to GSMA, only in developing countries, 2.5 billion people are ‘unbanked’ and
have to rely on cash or informal financial services which are typically unsafe,
inconvenient and expensive. However, over one billion of these people have access to a
mobile phone. This provides the basis for mobile money services to deliver convenient
and affordable financial services to the underserved. As mobile money services have
grown with over 100 million active customers providers are seizing the opportunity to
use mobile money as the foundation for offering unbanked and underserved customers
a wide variety of financial services. While domestic P2P and airtime top-up services still
dominate, services such as international remittances, bulk disbursements, bill payments,
merchant payments, insurance, credit, and savings grew rapidly in 2014. With 255
services in 89 countries as of December 2014, mobile money is now available in 61% of
developing markets worldwide. Right now we are witnessing an influx of new, tech-
savvy, digital competitors – MNOs – all eager for a piece of this lucrative financial pie.
(source: GSMA MMU)
“Banking the unbanked: The
mobile money revolution:
Changing lives of a common
man”

7. Why Choose Us
Digital Mobile Money through its consultants and partners have been part of many success stories as well as many
failures this puts us in a unique position.
Experience
Our people are among the pioneers in mobile money
deployments working in diversified mobile money
markets around the globe since 2008.
Exposure & Global Reach
Our consultants have worked in emerging mobile
money markets around the globe. Markets including
Thailand, Myanmar, Ethiopia , Serbia, and Pakistan.
Breadth of knowledge
Mobile money, branchless banking, mobile banking,
Internet only, and digital banks. Technology value
chain span across MNOs, Banks, Financial institutions,
Retail, and government organizations.
Partner Ecosystem
Best of breed network of fintech, third party vendors,
evangelists, and plug-ins providers partnering DMM.
Products & Solutions
We offer a full suite of financial services products with
open interfaces easily pluggable. MFS business
demands products and solutions which adapt to ever
changing market demands. Out of the Box products
available for desktop, smartphone & devices also
embedded systems.
Consulting Products & Services
Each consulting service offered by DMM is a product
in itself. We follow structured approach, a well-
defined framework, and trusted methodology. Each
client engagement adds back in to product maturity.

8. Consulting Services
DMM consulting services team has experts who developed consulting products based on years of experience
and interaction with clients across the world.
• Agent / Distribution network
liquidity and cash
management
• MFS IT architecture review &
optimization
• MFS platform migration
planning & design
• MFS project management
• Opportunity assessment
• Product roadmap
development
• Risk management framework
• Back office processes
optimization

9. Opportunity Assessment
Traditionally in MFS (Mobile Financial Services), Opportunity assessment is used when Banks, MNOs, Merchants
and other companies are considering entering new emerging mobile money markets or to start providing the
mobile money services to their existing underserved customers. Offering this service enables DMM pin point
new mobile money market opportunities by giving you the market size estimate, identifying market
requirements, barriers to entry, and how to cope with competitors if you are trying to serve the already existed
MFS market.
1. Analyse & establish value
proposition
2. Identify target market
3. Opportunity sizing / market size
4. Competitive landscape analysis
5. Your unique selling propositions
6. Opportunity window analysis
7. Go-to-market strategy
8. Return on Investment analysis
9. Establish critical success factors
10. Final outcome /
Recommendations

10. Risk Management Framework
The activities related to Risk Management Framework are paramount to an effective mobile money security
program and can be applied to both new and legacy information systems within the context of the mobile
money system development life cycle. Our all-round Risk management approach not only addresses
effectiveness & efficiency in selection & specification of security control criteria, but also considers the MFS
constraints such as applicable laws & regulations related to providing Mobile financial services, directives,
Executive Orders, & other organizational policies. Our RMF services, to select & specify the appropriate security
controls revolve around the following steps;
1. Categorization
2. Selection of security controls
3. Implementation &
Documentation
4. Assessment
5. Authorization
6. On-going basis Monitoring &
Reporting

11. Product Roadmap Development
Roadmaps need to be maintained as “living” pictures which enable gaps and opportunities like “mobile money
services” to be spotted when they occur rather than months down the line when finances may have been
needlessly wasted and competitive advantages lost.
Our custom offerings target MNOs, Banks, and Merchants/Retailors interested in implementing or investing in
MFS. As such, we develop road map to help mobile money service providers to structure their resources and
offerings to take full advantage of mobile and financial opportunities.
1. Reduced mobile money service R&D costs
and duplication of effort
2. Optimal usage of existing technologies to
develop new revenues
3. React quicker to competitors and market
changes
4. Launch new mobile money services faster
5. Cancel low profit projects and services
sooner
BENEFITS ACHIEVED THROUGH ROAD MAPPING
Typical benefits achieved through Road mapping in providing mobile money services include:
6. Improve customer and agent relationships
7. Encourage more innovative ideas
8. Focus on the most profitable mobile money
market scenario
9. Better planning and deployment of finances
and resources in mobile money ecosystem

12. MFS Platform Migration Planning and Design
Currently we are in era of 2nd generation MFS platforms whereby the first generation platforms are either end
of life or new product development takes ages from concept to launch. The new 2nd generation platform
promises faster and more secure transactions for customers enhanced system stability, functional flexibility to
allow more customer service, easier integration onto existing core system; and improved business continuity for
continued service availability. According to experts in digital financial services, the 2nd generation platform will
unlock a new era of transformational mobile financial services.
1. Assessing the current
environment to migrate
2. Network design & security
3. Migration project planning
4. Target architecture
5. Capabilities of tools & processes
6. Risks, mitigations, and roll back
strategy

13. Back Office Processes Optimisation
Your back office operations are often the very heart of your organisation, but do you know whether they are
working efficiently and serving purposefully as well? There are three ingredients to a well-oiled back office
environment – transparency, alignment, and motivation. We certainly can help.
The DMM Back Office Processes Optimisation (BOPO) service enables the back office to do their best work by
automating and simplifying many activities in back-office operations.
1. Process clutter reduction by
simplifying
2. Process consolidation &
automation
3. Transparent picture of productive
time
4. Daily data availability at all levels
5. Capacity planning
6. Variability in production time
7. Real-time adherence

14. MFS IT Architecture Review and Optimisation
It is always a challenge to launch mobile money services in highly unbanked markets. We provide you the
architecture that allows rapid changes to product design, high throughput to manage customer experience and
huge volumes of micro-transactions.
Hybrid of GSM & Banking IT
Skilled architects at DMM skilfully align corporate vision, business strategy and interconnected tactical
objectives. With mobile client interfaces across multiple channels, our service help clients maximize customer
reach. Channels like USSD, STK, SMS, J2ME, WAP, and Web that adds to complexity in terms of integration as
well as user experience.
Enterprise
Architecture
Configuration
Management
Change
Management
Process
Management
Information
Management

15. Our Products & Solutions
DMM products & solutions portfolio mix for mobile financial services addresses all the stake holders in the
mobile financial services ecosystem.
BANKS
MOBILE MONEY
OPERATORS
TELECOM
OPERATOR MERCHANTS
Our Mobile Banking products help
banks quickly jump on to Mobile
Money band wagon without
compromising on its core values.
Expand you product portfolio by
offering products ready to go to
market with fewer customizations
and simple integration interfaces.
We help you to convert the threat
of becoming bit pipe in to an
opportunity. We help you launch
Mobile Money in matter of weeks.
Looking to expand your reach
beyond your territories, our
products enable simple and easy
payments, KYC, Customer Care.

16. Mobile Wallet Platform
MFS Core platform that has been designed to meet
the fundamental business needs of Mobile Money,
Branchless, and Pure Online Banking.
• Customer Onboarding
• Manage Wallet
• Pre-built transactions
• Money Transfer
• Payments
• Cash-in/cash-out
• Airtime top-up
• Bill payment
• Disbursements
• Cards
• International remittances
• Self-care
• Loyalty wallet
• Multiple wallets
A configurable,
scalable
connectable and
secure platform
for individual and
business accounts
Distribution &
Agent
Management
Regulatory
Compliance
Cloud Ready
Product
Management
SOA Design
Customer
Care & Back
office

17. Multi-Language
Support
Quick Access Bar
Visible even to
un-registered
customers
Configurable
Menu options
Transparent foreground
allows campaigns to
run in background
Smart Customer App
Features
• Multi language support
• UX & UI design characteristics
• Money Transfer to account, mobile #, email,
Facebook friend, and ID
• Top-up
• Payments (Bills, shopping, online)
• Self-care
• Multiple accounts / Cards management
• In app campaigns
Security
The Smart Customer app includes a collection of
measures to deliver high standards of security and
provide customers with peace of mind. These include:
• Multi-factor authentication procedures
• Device level security management
• Notifications on alternate channels

18. Smart Agent App
Features
• Smart customer on boarding / KYC capabilities
• Usability design to support minimum thumbs per
transaction
• Money Transfer & Cash In/Out
• Transaction receipt printing
• Payments (Bills, shopping, online)
• Self & Customer care
• Float management
• In app campaigns
Security
The Smart Agent app is designed to offer layers of
security mechanisms to give more control to master
agent or distributor at the same time greater
flexibility to retailer.
• Multi-factor authentication procedures
• Device level security management
• Notifications on alternate channels
Middleware
Doc.
Mgmt.
Admin
portal

19. AML Solution
Why RiskSecureTm
With its unique customizable options, offers a powerful solution to the mobile money in situations
to monitor suspicious customer transactions electronically. It provides an “early warning system” to
identify irregularities, errors and possible fraud. The monitoring is comprehensive, automatic and
operates “round the clock”.
Features
• Advanced Analytical Engine
• Interfaces with any financial platform
• Existing interfaces for T24, Equation, iFlex, Prime,
and BANCS for quick implementations
• Multi-level wanted name search (BOE, BIS,
UN.BIS)
• Best practice AML reports part of implementation
• Auto STR generator (suspicious transactions)
• Linked to Basel II requirements
• Advanced Risk Securing
• Automatic workflow
• Dashboard monitoring
• Adjustable parameter alerts module
Automatically alerts designated managers when
any suspicious transaction, based on set
parameters takes place.
RiskSecureTm includes highly sophisticated drill-
down, querying and reporting to allow staff to
track trends that may indicate organized money-
laundering operations.

20. Digital KYC & Customer Care
How Fast is your Customer Onboarding & Activation Process?
It is critical that process is followed in compliance
with the regulatory mandate & company policies.
Typically MFS operators face challenges:
• Lengthy paper based forms
• Lack of tools to capture and transfer KYC
• Data mismatch throughout the value chain
• Customer dissatisfaction & Identity frauds
”A revolutionary on-
boarding KYC solution that
can take less than 5 min
from customer-agent
handshake to wallet
activation”
Capabilities
• Capture: KYC data, photo, POI, POA, &
biometrics
• Workflow: Real-time workflow processing
• Doc. Mgmt. imaging and digital storage of
applicant information
• Audit Trail: complete track of information at
every step
• Alerts: email & SMS based alerts
• Reports: Standard & custom reports
Device Features
• The device is android based, portable with no
peripherals.
• Biometrics capability
• Customized in-house built 2D barcode reading
• Inventory system of devices
• Capability to integrate & use peripherals over
Bluetooth

21. Microfinance Products
M-Loans
Mobile Money customers don’t have to go through
long and tedious processes to get a micro loan
approved & disbursed. DMM has developed a
smart solution that can make it happen in matter
for seconds to offer unsecured loans.
Features:
• Product creation environment
• Interest calculator & Amortization scheduling
• Credit scoring engine
• Fee, Taxes, commission, and penalties
• Admin portal with built in MIS capabilities
• Open interfaces to integrate with Core MFS
M-Insurance
Insurance coverage is radically growing with
millions of more low-income households get into
better services via Mobile Money. DMM’s
Insurance platform help connect Mobile Money
operator with underwriter and customers.
Features:
• Product creation environment
• Policy catalogue management
• Rules engine to define e.g. waiting, grace,
renewal, and age limits.
• Admin portal with built in MIS capabilities
• Claims management & disbursement
M-Savings
“If You're Poor, There's No Way To Save
Money. Right? Wrong!” - Rae Ellen
DMM platform enables you to go to market with
unique micro savings products.
Features:
• Product creation environment
• Hybrid products by combining insurance
• Capability to define tiered amounts, daily
monthly, min, average balance view.
• Easy activation via USSD, SMS, app or web

30. On Demand
Software Product Development Services
UX & UI
designing &
Usability testing
MFS Custom
Product
Development
Over 20 years of
experience & a
team of more
than 200
Developers
Technologies

31. Contact Us
U 3 5 Pine Tree Avenue Glen Waverley
VIC 3150 Australia
Ph. +61 (0)420 491 132 | Email. hello@digitalmobilemoney.com.au
www.digitalmobilemoney.com.au