Hardware-software complex to manage accounts, e-wallets, payment and loyalty cards in single application. Advantages for Clients: - Mobile platform, turning a smartphone into a powerful payment and loyalty tool - Online Р2Р transactions - One-click payments - Simple and secure authorization - Access to financial services for underbanked population Advantages for Bank: - Affordable tool for day-to-day banking operations, which is an essential competitive advantage to attract the most economically active and technologically advanced clients, making the most profitable market segment - Saving costs on performing payment and transfer transaction in the Bank’s branches www.mwallet.pro www.m-processing.com

1. Bank Mobile Wallet.
Hardware-software complex to manage accounts,
e-wallets, payment and loyalty cards in single application.
2015

2. Why the Banks Need Mobile Wallets?
2
Why mobile wallets?
 For banks, it’s an affordable tool for day-to-day banking operations, which is an essential competitive advantage to attract the
young, relatively affluent and tech-savvy clients, making the most profitable market segment.
 If the Banks focus on mobile wallets, they will reduce the risk to loose their market share to non-banking market players and
to prevent reducing their role as commodity transaction service provider
 Mobile wallets can be a powerful tool to acquire the unbanked population*
 Mobile wallets help the Bank to address existing customers pain points – need to carry too many cards, keep track of due
dates and offers, etc.
 Mobile wallets help to save the Bank’s costs on performing payment and transfer transaction in the Bank’s branches
 84% of consumers who own a mobile phone trust their own bank the most to provide a mobile payment app**
 Mobile wallets help banks to capture a wealth of data related to customers’ financial behavior. The data can be utilized to
provide the superior services tailored to each customer’s needs
 Using mobile coupons and loyalty programs, the Bank can collaborate with retailers and to build its brand, including in places
where it’s not typically visible
http://gadgets.ndtv.com/mobiles/features/banking-the-unbanked-how-mobile-wallets-can-become-a-tool-for-financial-inclusion-628128
http://www.businessinsider.com/consumers-trust-their-bank-most-to-provide-a-mobile-wallet-2015-4#ixzz3kktcOoKl
The banks, in accordance with their constant business goal of increasing customer wallet share, should
take a closer look at a possibility of enabling mobile payment services for their client.

3. Bank Mobile Wallet: Advantage for Clients
3
• For customers:
Mobile platform, turning a smartphone
into a powerful payment and loyalty tool
Online Р2Р transactions
One-click payments
Simple and secure authorization
Access to financial services for underbanked populations

4. Mobile Wallet: basic version
4
Simple identification and
authorization
• Using QR codes and one-time
passwords (OTP) to log in
Payment tools
management
• Balances on bank accounts (current,
deposit, credit, card) and e-wallets,
• Money transfers between different
payment tools,
• Accounts, cards, e-wallets refill,
• Connection of other banks’ payment
cards,
• Creating and using templates
Money Transfers
• Card-to-card transfers (Visa &
MasterCard)
• Transfers wallet-to-wallet
Payments
• Mobile accounts refill, utility
payments, payments to service
providers,
• Third party payments,
• Online and offline payments using QR
codes
Information
• Currency exchange rates,
• Information,
• Help and customer support.

5. Business Proposal
5
Turnkey mobile wallet solution for $30 000; launch in 3 months
*Additional costs:
• The platform tech support – 1st 3 months free, the next 6 months $1000/month, then $2000/months (up to 100 K users)
• Functionality revisions, not specified within the functionality of the 1st release, and integration with local service providers (if service company providers API, integration is to be considered
separately)
The price includes*:
• Functionality for basic version
• Template-based forms design using the Bank’s logo and colors
• Support of the platform within the 1st three months of its operation

6. Authorization and log-in
6
The user enters a PIN code to log in the system; use of PIN saves time necessary for authorization and is completely
safe (PIN is not stored on user’s mobile phone)

7. Navigation
7
After logging, the user can see a list of
their products (accounts, cards, e-
wallet and prepaid card). The
customer can refer to quick access
options of payments and transfers.
Within the «Wallet» menu there are
additional services such as currency
exchange rates, contact information
and help.

8. Product List and Balances
8
In the “Product List” main menu section the user can review the current balances in their accounts with the bank,
payment cards, as well as the electronic wallet.

9. E-wallet refill
9
The user can review transaction history (as an example, prepaid history for prepaid card is shown below), refill their
e-wallet from one of their accounts registered with the system (for example, from salary account) or from a payment
card issued by any bank

10. Money Transfers
The platform users can transfer money between their own accounts, third party payments, as well as Bank
accounts refill from a payment card issued by any bank.
9

11. Peer to Peer Money Transfers
9
The user can also transfer money to another person using the mobile phone number as an identifier. This choice
is working for the recipient from the contact list at the sender’s smartphone. Card to Card and E-wallet to E-wallet
transfers are available.

12. Card to Card Transfers
Mobile wallet offers its users card-to-card
transfers. Payment card number is used as
recipient’s identifier.
14

13. Saving Templates
Payments and transfers can be saved as
templates for convenience and time-saving.
10

14. Payments: Selection of Recipients
To make payments for services
such as utility services, mobile
communications, Internet, etc., the
user does not need to enter the
recipient’s details. It needs only to
select the payment category and
recipient. The most frequently
used service providers displayed
in a list at the main page of the
“Payments” sections.
11

15. Payments: Receiving and Repaying Utility Bills
After selection of recipient, for example, utility service provider, the user can download the latest invoice together
with a list of services, as well as see the current debt / overpayment with the provider.
115

16. Payment for Communication Services
To pay for communication services, the user should choose a mobile operator, enter the amount and mobile number
to refill.
13

17. Currency Exchange Rates
Mobile wallet (“Currency exchange rates”
menu) provides information about current
state Central Bank’s and the Bank’s
currency exchange rates.
15

18. Customer Support
In “Contacts” section, the user can
access brief information about the
Bank as well as its phone numbers
and online form to contact
customer support service. The
user can ask their question in a
message or leave their phone
number to be contacted by the
Bank’s support service.
16

19. The Server Part
19
The server part controls payments,
stores in the database values required for
mobile wallet operation, keeps statistics
on users, partners, bills and payment
statuses, provides documentation for
integration of vendors and partners
through API, which has a large number of
functions necessary for the mobile wallet
operation.

20. Options for Future Releases (1/2)
20
 Issue of digital card in the smartphone (Host Card Emulation technology) with the
possibility of contactless payments via NFC (in line with the specifications of Visa &
MasterCard)
 Loyalty programs
 Transport card
 Partnership with retailers
 Mobile ticketing
 Buying fuel at the gas station with mobile phone
 Geolocation
 Mobile account balance
 Transaction analytics

21. Options for Future Releases (2/2)
21
Partner Services
Payments & transfers
 Services list
 Pricing
 Service applications
 Discounts and promotions
 Cash-back
 Gifts
Digital Card
Loyalty
 Participant account
 Partners list
 Discounts and promotions
 Connecting loyalty cards
 Communication between brands and
customers
Financial Services
Transport Card
 Connecting a wide range of service
providers
 Choosing card, e-money or mobile
account s a payment option.
 Transaction history
 Opening e-wallet and digital card with
App download
 Offline payments for NFC cell phones
 Setting payment transaction limits
 Transport card management
 Card ordering
 Transport card refill, paying fares
 Financial services:
Loans/Deposits/Accounts/Personalized
digital /plastic card
 Connecting a card of any issuer
bank
 Choosing card for payment

22. Paying for fuel in the comfort of a car
22
Buying fuel at a gas station with a mobile wallet
А-95
А-98
EURO
600 UAH
PAY
The customer arrives at
the gas station
The customer selects
a fuel brand, the refill
amount and makes a
payment
The refilling starts
automatically after the
payment is made

23. Our Team
23
The team of professionals in development
of innovative fintech solutions with over 10
years of experience.
Our products and services in operation:
- hardware and software systems to
receive payments,
- e-currencies processing,
- Loyalty management platform,
- Mobile wallet platform.
The team is made from professionals with over 15 years of experience in
telecom and financial solutions industry. The widest in Ukraine hands-on
experience in development and implementation of mobile banking
software products and integrated solutions, including contactless
technology:
- Mobile wallet with integration of various services (loyalty, identification,
transportation),
- Mobile and internet banking,
- NFC + HCE-based payment functions according to specifications of the
Visa and MasterCard international payment systems.
Countries where our solutions are under development or in operation: Ukraine, USA, Russia, Georgia.

24. Product Development Tools
24
We are using only best technologies. Quality of our solutions is confirmed
by existing businesses and many users.
Project Management Methodology: PMI, Agile, Waterfall.
Programming Languages/markups: C#, Java, С++, Delphi, JavaScript, PHP, HTML, CSS3.
Databases: MS SQL Server, Oracle, MySQL, Firebird, PostgreSQL, Redis, MongoDB, CouchBase.
Frameworks/CMS: ServiceStack, Cordova, Backbone, SugarCRM, YII, MODX, Joomla,
JasperServer.
Automation: GIT / TFS, Redmine, TeamCity , Selenium.
Hypervisor: Azure, Amazon, VMWare ESX/ESXi, XEN, Microsoft Hyper-V.
Languages: English, Russian, Chinese, Ukrainian, Polish.

25. Why the Banks Choose Us?
25
We have successful experience of implementing fintech solutions in
partnership with banks
As former banking professionals, we know how the bank works and we
do our best to make integration and processes setup smooth and
seamless
We can add value as technology and product experts advising on
product development, roll-out and promotion strategies
As active participants of the fintech and payment ecosystem, we can
bring innovation and technology insight

26. Collaboration is a Key to Success
26
Bank’s active participation in mobile wallet setup and launch project will
allow quick and seamless integration and better customization. How the
Bank can contribute:
- To provide its tech professionals for participating in integration team
- To setup relations with proper service providers
- To provide brand book and other interface design inputs
- To participate in testing and quality assurance procedures

27. Thank you for attention!
27
Mikhail Miroshnichenko
+38.068.331.95.03
mikhail@finovatestudio.com
www.finovatestudio.comYuriy Chayka
+38.067.621.57.13
yuriy@finovatestudio.com
www.mwallet.pro
www.m-processing.com
Offices:
UKRAINE: 6 Tarasa Shevchenko bul., of.21, Kyiv
ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901
CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031