Aseba ji mba_presentation_solution_overview_nbv5_style


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Aseba ji mba_presentation_solution_overview_nbv5_style

  1. 1. ASEBA JiMBA Solution Overview 01.06.2010. ASEE Dražen Pehar ASEBA JiMBA Solution Overview ASEE Igor Gr žalja
  2. 2. Agenda <ul><li>Mobile world today </li></ul><ul><li>Mobile banking: Set to Growth? </li></ul><ul><li>Mobile banking: Technology? </li></ul><ul><li>Mobile banking: Case Study </li></ul><ul><li>ASEBA JiMBA: Solution Overview </li></ul><ul><li>Discussion </li></ul>
  3. 3. Mobile Banking <ul><ul><li>just Hype… </li></ul></ul><ul><ul><li>… or Ripe? </li></ul></ul>
  4. 4. <ul><ul><li>Mobile World Today </li></ul></ul>
  5. 5. Mobile world today Europe p enetration Source: Wikipedia    < 100%      100-115%      115-130%      > 130%  
  6. 6. Mobile world today Everywhere, Anywhere! <ul><li>Mobile phone is </li></ul><ul><li>the most ubiqitous </li></ul><ul><li>TERMINAL DEVICE </li></ul><ul><li>TODAY! </li></ul>
  7. 7. <ul><ul><li>Mobile Banking </li></ul></ul><ul><ul><li>Set to Growth? </li></ul></ul>
  8. 8. Mobile financial services worldwide <ul><li>Mobile banking has a potential to </li></ul><ul><li>become primary banking channel </li></ul><ul><li>Mobile financial services </li></ul><ul><li>opportunities: </li></ul><ul><ul><li>new revenue streams </li></ul></ul><ul><ul><li>new marketing channel </li></ul></ul><ul><ul><li>new clients acquisition </li></ul></ul><ul><ul><li>and retention of existing </li></ul></ul><ul><ul><li>clients </li></ul></ul><ul><ul><li>new product and services </li></ul></ul><ul><ul><li>introduction possibilities </li></ul></ul><ul><ul><li>(in collaboration with other </li></ul></ul><ul><ul><li>companies) </li></ul></ul><ul><li>Money transfers and payments </li></ul><ul><li>over mobile phones will be among </li></ul><ul><li>the top 10 most important mobile </li></ul><ul><li>applications by 2012, together with </li></ul><ul><li>location-based services, search, </li></ul><ul><li>browsing, health monitoring, </li></ul><ul><li>advertising, instant messaging, </li></ul><ul><li>music etc. (Gartner, Inc.) </li></ul><ul><li>By 2013, mobile phones will </li></ul><ul><li>overtake PCs as the most common </li></ul><ul><li>Web access device worldwide; </li></ul><ul><li>smartphones and browser-equipped </li></ul><ul><li>phones will exceed 1.82 </li></ul><ul><li>billion units (Gartner, Inc.) </li></ul><ul><li>In the past several years mobile </li></ul><ul><li>market is one of the fastest growing </li></ul><ul><li>In the past several years mobile </li></ul><ul><li>payment industry is experiencing </li></ul><ul><li>steady growth: in 2008 43,1 million </li></ul><ul><li>users, in 2009 73,4 million users - </li></ul><ul><li>growth 70,4% (Gartner, Inc.) </li></ul><ul><li>Mobile banking identified as the </li></ul><ul><li>“ killer application” for the next </li></ul><ul><li>generation of mobile phones </li></ul><ul><li>(German Mobilcom) </li></ul><ul><li>Mobile financial services growth </li></ul><ul><li>remains strong despite crisis </li></ul>TODAY TOMORROW OPPORTUNITIES
  9. 9. Mobile Banking Set to Growth? Source: Celent, May 2008
  10. 10. Mobile Banking Set to Growth? <ul><li>Worldwide number of users of m-banking & related services will grow to 913m in 2014 , compared to 20m m-banking users in 2008. </li></ul>Mobile banking has huge potential
  11. 11. <ul><ul><li>Mobile banking ? </li></ul></ul>
  12. 12. Mobile banking? <ul><li>Checking balances? </li></ul><ul><li>Checking transaction history? </li></ul><ul><li>Purchasing Pre-paid vouchers? </li></ul><ul><li>Bill Payments! </li></ul><ul><li>Money Transfer! </li></ul><ul><li>Stock Trading! </li></ul><ul><li>Investment Fund Management! </li></ul><ul><li>Marketing Campaigns! </li></ul><ul><li>Personalized messages! </li></ul>
  13. 13. Requirements on Direct banking services …and on m-banking in specific? <ul><ul><li>Simple to use </li></ul></ul><ul><ul><li>Availability of terminal devices </li></ul></ul><ul><ul><li>Availability of service </li></ul></ul><ul><ul><li>Transaction processing time requirements </li></ul></ul><ul><ul><li>Cost reduction </li></ul></ul><ul><ul><li>Security </li></ul></ul><ul><ul><li>Reliability </li></ul></ul><ul><ul><li>Simple & Intuitive user interface ! </li></ul></ul><ul><ul><li>User interface mobile device independent ! </li></ul></ul><ul><ul><li>Mobile operator independent ! </li></ul></ul>
  14. 14. M -bankin g technologies Comparison Mobile device model dependant Most mobile device model independent Mobile device model dependant Most mobile devices model independent Non dependant on MNO Extremely dependent on MNO Non dependant on MNO Dependant on MNO Branding possible Limited or no branding possible Branding possible No branding possible Rich functionalities and client application possibility of using advanced mobile device functionalities (Touch screen, LBS, etc.) Very limited functionalities, difficult to deploy and maintain (upgrades) Good functionalities, but dependant on mobile device Internet browser possibilities. <ul><li>Week functionalities: </li></ul><ul><li>good for alarms or info presentation </li></ul><ul><li>complex to use for payments </li></ul>Graphical user interface exists, easy to maintain consistent visual appearance Limited user interface, non consistent visual appearance (dependant on mobile brand and model) Graphical user interface exists, but difficult to maintain consistent visual appearance on mobile devices. Non existing friendly user interface (user has to know the commands) Excellent security possibilities Excellent security possibilities Good security dependant on external devices. Unsecure – low or non existing security possibilities J2ME/iPhone Application SIM Toolkit Mobile browser SMS
  15. 15. M -bankin g technologies Application? <ul><li>Nokia's App Store will launch with 20,000 items </li></ul><ul><li>by Brad Linder ( RSS feed ), May 9th 2009 at 12:00PM </li></ul><ul><li>Samsung Application Store will go live from September 14 </li></ul><ul><li>by Samsung Hub , on August 31st, 2009 </li></ul><ul><li>Around 300 applications will be up for download and is expected to grow to 2000 apps by the end of this year . </li></ul><ul><li>Sony Ericsson Joins the App Store Crowd, by Kerry Capell , Technology June 3, 2009 </li></ul><ul><li>By August its customers will be able to personalize their phones with a range of downloadable utilities, tools, and games over multiple platforms. Another differentiator for Sony Ericsson is that, thanks to Java , it aims to migrate the phenomenon of downloadable apps down from high-end smartphones —which typically cost upwards of $500 before rebates—into more prosaic &quot;feature phones &quot; that can cost less than $200. </li></ul>The movement to apps, and away from old-school &quot;browsing,&quot; is unstoppable. The iPad joins a growing list of new devices (Android, Kindle, etc.) that are app-primary, browser-secondary (note 3). Nokia App Store Windows Marketplace
  16. 16. Mobile banking ASEBA JiMBA <ul><ul><li>ASEBA JiMBA </li></ul></ul><ul><ul><li>m-banking </li></ul></ul><ul><ul><li>on Java Phones and iPhones </li></ul></ul>
  17. 17. ASEBA JiMBA Main Solution Components <ul><li>End-user’s client application installed on mobile phone </li></ul><ul><li>Mobile Internet connection to mobile operator (GPRS/EDGE/UMTS) </li></ul><ul><li>Mobile banking server accesible from Internet </li></ul><ul><li>Core banking providing information and executing transactions issued by client application </li></ul>
  18. 18. ASEBA JiMBA Security <ul><li>Communication </li></ul><ul><ul><li>Server side SSL/TLS Encryption </li></ul></ul><ul><ul><li>Integrated token for authentication (Chalenge - Response) </li></ul></ul><ul><li>Non-repudiation: </li></ul><ul><ul><li>Integrated token for Digital Signature (MAC) </li></ul></ul>
  19. 19. ASEBA JiMBA Architecture
  20. 20. ASEBA JiMBA Service Activation <ul><li>End-user applies for service </li></ul><ul><ul><li>At branch office </li></ul></ul><ul><ul><li>Using Internet banking </li></ul></ul><ul><li>Request is sent to provisioning platform </li></ul><ul><li>SMS with link for client application download is sent </li></ul><ul><li>Activation code is sent </li></ul><ul><ul><li>Via SMS or e-mail </li></ul></ul><ul><ul><li>Using Internet banking </li></ul></ul><ul><ul><li>Via secure PIN mailer </li></ul></ul><ul><li>End-user downloades the application, starts it, enters the activation code and defines own PIN </li></ul>
  21. 21. ASEBA JiMBA Service Usage <ul><li>After installing and succesfull activation, user accesses the application using PIN </li></ul><ul><li>PIN decrypts local keystore </li></ul><ul><li>Using secret key, application generates One-Time-Password and sends it to server side for validation </li></ul><ul><li>Once OTP is positively authenticated, user is granted access to information and services delivered by solution </li></ul>
  22. 22. <ul><li>m-zaba real production demo </li></ul>
  23. 23. ASEBA JiMBA Standard Edition (1/2) <ul><li>Accounts balances </li></ul><ul><li>Savings information </li></ul><ul><li>Transactions’ History </li></ul><ul><li>Currency exchange information </li></ul><ul><li>Multi-language support </li></ul>
  24. 24. ASEBA JiMBA Standard Edition (2/2) <ul><li>Payments/Money transfers </li></ul><ul><li>Payment Templates </li></ul><ul><li>Transactions ’ History R eview s </li></ul><ul><li>Marketing Campaigns and Personal Messages </li></ul>
  25. 25. ASEBA JiMBA Extended Edition <ul><li>Credit / debit card information </li></ul><ul><li>Card transactions information </li></ul><ul><li>Pre-paid mobile phone vauchers purchasing </li></ul><ul><li>Investment funds information and transactions </li></ul>
  26. 26. ASEBA JiMBA Advanced Edition <ul><li>ATM/Branch </li></ul><ul><li>E-trading </li></ul><ul><li>Mobile gift cards </li></ul><ul><li>Mobile ticketing </li></ul>
  27. 27. ASEBA JiMBA Integration Points (1/3) <ul><li>Registration – service contracting </li></ul><ul><ul><li>at branch office – registration application must exchange registration data with provisioning platform </li></ul></ul><ul><ul><li>through Internet banking – end-user logs-in to existing Internet banking account, requests mobile banking service and gets the activation code </li></ul></ul>
  28. 28. ASEBA JiMBA Integration Points (2/3) <ul><li>Information and transaction processing </li></ul>
  29. 29. ASEBA JiMBA Integration Points (3/3) <ul><li>Sharing transaction templates with Internet banking </li></ul>
  30. 30. ASEBA JiMBA Supported Mobile Phones <ul><li>J2ME mobile phones </li></ul><ul><li>Blackberry </li></ul><ul><li>Windows Mobile </li></ul><ul><li>Android </li></ul><ul><li>iPhone & iPad </li></ul>
  31. 31. <ul><li>ASEBA Tested & Certified – 450+ devices </li></ul><ul><li>iPhone , BlackBerry 8100, BlackBerry 8300, BlackBerry 8310, HP iPAQ 6915, HTC S710, HTC S730, HTC TouchDual, HTC TyTN, HTC TyTN_II, LG KE850, LG KE970, LG KU250, LG KU800, MDA Touch Plus, MDA Vario1, MDA Vario2, MDA Vario3, Motorola K1, Motorola L6, Motorola L7, Motorola V235, Motorola V3, Motorola V3r, Nokia E51, Nokia E61i, Nokia E66, Nokia F305, Nokia N70, Nokia N73-1, Nokia N80, Nokia N91, Nokia N95, Nokia 3110, Nokia 5300, Nokia 5310XpressMusic, Nokia 6085, Nokia 6110Navigator, Nokia 6111, Nokia 6120, Nokia 6151, Nokia 6230, Nokia 6233, Nokia 6288, Nokia 6300, Nokia 6500, Nokia 6680, Nokia 7370, Nokia 8600, Nokia 8800, Qtek 8500, Qtek 9100, Samsung SGH-E740, Samsung SGH-J700, Samsung SGH-U700, Samsung SGH-U900, Samsung SGH-Z240, Samsung SGH-Z560, Samsung SGH-Z560-Vodafone, SonyEricsson K510i, SonyEricsson K530i, SonyEricsson K600i, SonyEricsson K610i, SonyEricsson K750i, SonyEricsson K770i, SonyEricsson K800i, SonyEricsson K850i, SonyEricsson M600i, SonyEricsson P990i, SonyEricsson S500i,SonyEricsson T303, SonyEricsson T650i, SonyEricsson W200i, SonyEricsson W580i, SonyEricsson W760i, SonyEricsson W800i, SonyEricsson W880i, SonyEricsson Z530i, SonyEricsson Z800 ,… </li></ul><ul><li>ASEBA Proven in Production – 70 0+ devices </li></ul><ul><li>Alcatel, Asus, Audiovox, BlackBerry, HP, HTC, LG, MDA, Motorola, Nokia, Panasonic, Qtek, Sagem, Samsung, Sanyo, Siemens, SonyEricsson ,… </li></ul>ASEBA JiMBA Supported Mobile Phones
  32. 32. Mobile banking <ul><ul><li>ASEBA </li></ul></ul><ul><ul><li>J i M B A ? </li></ul></ul>
  33. 33. <ul><li>Simple, Fast, Secure! </li></ul><ul><li>Low Data Trafic = Low Service Costs! ( 20080611_hr_mobile_internet_troškovnik.xls ) </li></ul><ul><li>Short “Time to Market” Period! </li></ul><ul><li>From Standard Edition to Advanced Edition within one solution! </li></ul>Mobile banking ASEBA JiMBA? <ul><li>Mobile Operator Independent </li></ul><ul><li>Mobile Network Independent (from GPRS to 4G) </li></ul><ul><li>Not only SmartPhones, “just mobile phones” support (700+ today) </li></ul><ul><li>Mutiple implementations! </li></ul><ul><li>Experienced development team! </li></ul><ul><li>Strong local support through Asseco Group! </li></ul>
  34. 34. <ul><li>m-zaba (mobile banking) </li></ul><ul><li>Zagrebačka banka (Uni C redit) </li></ul><ul><ul><li>5 0.000+ active end users </li></ul></ul><ul><li>m T oken (strong authentication) </li></ul><ul><li>Pekao S.A, Poland ( UniCredit ) </li></ul><ul><li>m-ba (mobile banking) </li></ul><ul><li>Uni C redit BH, B&H </li></ul><ul><li>mPBZ (mobile banking) </li></ul><ul><li>mToken (strong authentication) </li></ul><ul><li>Privredna banka Zagreb (Intesa) </li></ul><ul><li>mPexim (mobile banking) </li></ul><ul><li>Pexim Service Center, Serbia </li></ul><ul><ul><li>and more coming soon.. </li></ul></ul>ASSECO m- aplications
  35. 35. <ul><ul><li>T H A N K S ! </li></ul></ul>We welcome you at Asseco Branch of the Future to download and test ASEBA mobile banking Test mobile transfers