The document summarizes FinovateStudio's FinTech solutions including an e-money payment system, loyalty platform, and mobile wallet (mWallet) platform. It provides details on the features and capabilities of each solution, including payments, transfers, loyalty programs, personal finance management, and more. The document also outlines FinovateStudio's business experience, product development team and tools, and contact information.

1. Mobile, Payments &
Loyalty Platforms
June 2015
Powerful solutions to drive market

2. Our FinTech solutions
2
E-money
Payment
System
Loyalty
Platform
Mobile Wallet
(mWallet)
We developed innovative solutions to give our partners opportunity for
business development without spending time.
Product and technical support worldwide.

3. Mobile Wallet “mWallet” platform
3
See detailed presentation here
mWallet is a hardware and software platform, which turns smartphone into single customer
Wallet for:
- Payments and transfers mPayments (p2p transfers, transfers between e-wallets and cards, payments to
merchants and billers, topping-up phone with any smartphone using e-money and cards Visa & MasterCard
and using QR-code. Emulating a card (payment, transport & any other credentials) inside smartphone with
Android 4.4 and pay offline with NFC and online as with usual payment card based on modern Host Card
Emulation technology);
- Personal finance management mFinance (accounts & cards management, opening deposits & applying
for loans);
- Mobile commerce mCommerce (for simple and secure purchasing in online and offline stores, payments
acceptance for merchants using smartphone as mobile POS-terminal (QR, NFC), secured customer data
transfer for identification and logistic service);
- Participation in loyalty programs mLoyalty (keeping loyalty cards, discounts, coupons in one place);
- Telecom services management mTelco (reviewing personal account data, reviewing/changing the
subscription plan, reviewing data about communication services costs & payment history, account balance,
new products/services application, promotions, account statistics);
- Using as a transport cards mTransport.

4. mWallet Key Features
4
See detailed presentation here

5. E-money Payment System (1/2)
5
E-money based payment platform.
For end-users the instruments for paying for goods and services
(restaurants, cinemas, shopping malls, online shopping, tickets, etc.)
and also for instant p2p money transfers.
For retailers: efficient and easy-to-integrate tool for accepting online &
offline and also mobile (iOS, Android) payments. Examples:
www.rbkmoney.com/en, www.monexy.eu.
Deriving products/services/technologies:
- e-money,
- e-wallet for end users and for merchants,
- p2p transfers,
- pre-paid card (based on MasterCard, Visa) as an access tool for e-
wallet,
- mobile wallet for smartphones,
- for mobile operators – combination of user account and e-wallet.
See detailed presentation here

6. E-money Payment System (2/2)
6
MONEY IN THE CLOUD
Payment Gateway
Modules
Clientoptions
SystemApplication PrePaid Credit Card Bank account
Loyalty E-wallet Payment/
Top up
OTP …
Web
browser
NFC
iOS,
Android
PoS
SMS/USSD
See detailed presentation here

7. Loyalty Platform (1/2)
7
The platform for loyalty programs management. The system is based on remunerating the
customers for action (purchasing the good or service) in the merchant’s point of sale or in
the network of the loyalty program participants. The remuneration is credited as a bonus
to the customer account via e-money or points.
The platform can be used for the purposes of a specific retailer or for independent
operator to enter the market. The system is equipped with marketing communication
tools (text messages, email, social networks) and offers up-to-date methods for data
processing and reporting.
MerchantUSER
See detailed presentation here

8. Loyalty Platform (2/2)
8
• Payment+loyalty card as an ID
• Cash backs for end-users
• Payback management
• A variety for gamified marketing
instruments – prizes, points, bonuses,
rewards, levels, ratings, etc.
For merchants:
• Advertising management
• Customer Profile Data Management
• Email & SMS Marketing
• Analytics and Reporting
• Segmentation, clustering, RFM analysis
See detailed presentation here

9. FinovateStudio partner's Business experience
9
15 years of successful experience in finance, banking and payments
technologies.
Set of technologies was created as business:
- cash-in terminal network - was sold,
- e-money system (now www.rbkmoney.com with 80 the merchants and 8 mio users) - was
sold and now working in Russia, and www.monexy.ua is working in Ukraine, now 300 ths
users,
- payments tools aggregator www.interkassa.com - was sold and now working in Russia and
Ukraine,
- Loyalty system management platform - is starting in Ukraine as coalition loyalty system
www.E-groshi.ua (two meanings in E-groshi: E-money and there's money),
- new project is launching summer 2015 www.wpass.org.

10. Product development team
10
Developers and support team:
- product consultancy and analytic team. Professionals who have full
knowledge of Finovatestudio solutions,
- R&D team in Ukraine and Chine,
- full technical support of Finovatestudio solutions.

11. Product development tools
11
We are using only best technics. 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,
CSS.
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: Chinese, English, Russian, Ukrainian, Polish.

12. Please contact us for more info:
12
www.finovatestudio.com
www.mwallet.pro
www.m-processing.com
Our support offices:
UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv
ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901
CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031
CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021
Inna Rumiantseva
Inna@finovatestudio.com
Mikhail Miroshnichenko
Mikhail@finovatestudio.com
Yuriy Chayka
yuriy@finovatestudio.com