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Bringing Mobile Money to the Point of Sale<br />May 10, 2011<br />Isabelle Berner, Product Marketing Manager<br />www.tagattitude.fr<br />

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Overview<br />Mobile Payments for Retail: <br />Market status<br />The role of retail in mobile money<br />Technology solution: Near Sound Data Transfer<br />Case examples: retail (Orange Money) & web (PayFair)<br />

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Encashment<br />Link the phone to an account (ie bank/card or wallet)<br />Cash deposited with an agent<br />Money transferred from customer<br />Salaries* sent to the phone<br />* Microloans, pensions, and other funding sources can also be sent<br />

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What happens to funds remitted?<br />Money is sent for a specific reason.<br />The typical transaction chain for mobile remittances is: <br />

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What’s the problem?<br />Sender transfers funds to recipient<br />Recipient uses cash to buy goods and services<br />Cost: The Agent must be paid for cash withdraw services. <br />Convenience: The customer spends time and sometimes money to travel to the agent and then to the store. <br />- $<br />- $<br />Sender deposits funds via agent<br />Recipient withdraws cash via an agent<br />

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So what can be done differently?<br />Sender deposits funds via agent<br />Sender transfers funds to recipient<br />Recipient uses funds to buy goods and services<br />Skip the Cash-Out!<br />Use mobile money to pay merchants in stores<br />Use mobile money to pay e-commerce merchants<br />- $<br />+ $<br />

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Requirements<br />Payments in stores and on the web must be:<br />Highly secure “phone present” standards—akin to “card present” transactions. <br />Quick transaction time. <br />Convenient and intuitive for merchants and customers.<br />Cheap to equip the acquiring network.<br />

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The Secret Ingredient: Sound<br />Near Sound Data Transfer (NSDT™) is the technology that Tagattitude has developed in order to meet all of those requirements. <br />The secret ingredient is sound…<br />

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Core innovation: NSDT™<br />NSDT™ : Near Sound Data Transfer<br />Electronic signature technology compatible with 100% of the cell phones worldwide<br />

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Core innovation: NSDT™<br />Account holding entity<br />NSDT™<br />Customer<br />Merchant<br />

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Retail Services<br />E-TagPay Terminal<br /><ul><li>Simple and low cost merchant enablement

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Terminals designed for developing markets.

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What can be a terminal?

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The merchant’s own phone

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A phone-based “terminal”

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A website

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Offline terminals</li></li></ul><li>Retail Transaction using a TagPay1600<br />Case Example: Orange Money in the Ivory Coast<br />

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E-commerce<br /><ul><li> Inherently secure

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Simpler and faster than online card payments

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Opens e-commerce to unbanked markets</li></li></ul><li>E-Commerce Transaction<br />Case Example: PayFair<br />

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TagPay and NSDT™ References<br />

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TagPay Services<br />and more…<br />

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Conclusion<br />Take away points<br /><ul><li>Being able to pay with your phone is the next frontier for mobile money

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Paying in stores or on the web changes the business model and provides customers with a very valuable service

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NSDT™ technology is the best adapted solution to enable merchant payments because it brings security, convenience, and works on any phone. </li></li></ul><li>Contact Tagattitude<br />i<br /> For more information…<br />Website:<br />www.tagattitude.fr<br />Contact:<br />Isabelle.berner@tagattitude.fr<br />