This presentation focuses on how Obopay delivers customized solutions that enable market makers to offer their own branded mobile money services.

1. Welcome to fast, convenient mobile money.
Mobile Asia Congress 2011 Neel Chowdhury, CMO, Obopay INC
MMT Global
Deepak Chandnani, CEO Obopay INC

2. Obopay: What we do
One global platform with customized
Obopay delivers customized solutions delivery by partner/region.
that enable market makers to offer their
own branded mobile money services. End-to-End managed services: low
cost of entry, rapid time to market
Digital Wallets Money Transfer (P2P) Disbursements Bill Pay
Cross Border
Minutes Top up M & E Commerce And more …with customization
Remittance
capabilities to meet partner needs.
Corporate Website Like us on www.facebook.com/ObopayMobilePayments

3. Obopay: Who we are
Global Company: Redwood City Investors: Alliance Employees: 250+, primarily
CA (HQ), Paris, Bogota, Mumbai & Bernstein, Redpoint, Qualcomm, O focused on technology, customer
Bangalore. Actively engaged with nset, Richmond delivery, and operations.
partners poised to expand into new Management, Wolfensohn &
geographies. Co, Essar, Citi,
SG, Nokia.
Platform: Resilient, scalable Java- Partners: Go to market with
based platform with customized partners in all geographies.
delivery capabilities unique to Partners include Nokia, Societe
partners in developed and Generale, MasterCard, FIS, Star
emerging markets. (FDI).
PAYMENT NETWORKS BANKS
MNOs
HANDSET
MANUFACTURERS
RETAILERS
Corporate Website Follow us on http://twitter.com/Obopay

4. Live Services around the world
MasterCard STAR FIS Leading Insurance
Money Send Mobile Money People Pay Company Obopay
for Banks Disbursements Nokia Money
Union Bank Money
Yes Bank Money
Yoban’tel
NORTH AMERICA
yuCash by Obopay
INDIA
AFRICA
Corporate Website Read our http://blog.obopay.com

5. Obopay: Platform for Universal Payments
UNIVERSAL
ACCESS
Mobile Consumer Mobile Agent Web Applications Obopay Connect (SSO) Web Services APIs
Application and Use Case Business Logic
Multi-Tenant Partner Management
PREPAID
PLATFORM
MULTI-TENANT
PREPAID Financial Communication
Network Network
PLATFORM
Connectors Digital Authorization User & Connectors
Wallet Tx Data
Payment Network Processing Tool Message
Settlement Email
Pooled
UNIVERSAL Management
Stored Value
CONNECTIVITY Reporting
Networks Accounts Multi Tiered Agent Social Networks
Network Management
SECURE Security Compliance Fraud
Corporate Website Join us on www.linkedin.com/company/obopay

6. One size does not fit all
Corporate Website Like us on www.facebook.com/ObopayMobilePayments

7. You will leave your customers perplexed
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8. Emerging Vs Developed markets
DEVELOPED MARKETS DEVELOPING MARKETS
ACCESS MODES GPRS CDMA WAP Downloadable NFC STK USSD SMS/IVR Native APP WAP
App
Mapped to Linked to
WALLET TYPES bank A/C’s Credit / Debit card
Prepaid Cash
MARKET
Square Google Wallet Mpesa Gcash Nokia Money
PRESENCE
Corporate Website Read our http://blog.obopay.com

9. Evolution
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10. Use Cases Evolution
Micro
Insurance
Micro
Deposits
Online
Merchants
Government
payments
Salary
Disbursements
P2M Offline
P2P merchants
Top up
Billpay
Time
Corporate Website Like us on www.facebook.com/ObopayMobilePayments

11. The Consumer
Type of consumer Access to
& their behaviour Environment
Agent/Merchants
Urban Urban & Rural Security & Theft

senders receivers Reach & Distribution
Network effect Cash Management
Float Management
through influencers
Storage mechanism with Commission structure
enough residual balance
kept for transactions
Higher usage frequency
Increased Money flow
Source : http://www.cgap.org/gm/document-1.9.36723/BR_Poor_People_Using_Mobile_Financial_Services.pdf ^The 2009 FinAccess survey (FSDT [2009a], p. 16) confirmed
that 40% of adults had used M‐PESA/
Corporate Website Follow us on http://twitter.com/Obopay

12. The challenge is to create a mobile wallet to
address all market segments
BANKED
 Full Access to fin. products
 Medium - very high value txns.
 Fully diversified spend patterns
BANKED
UNDER-BANKED
 Limited Access to fin. products
 Medium - high value txns.
 Moderately diversified spend
patterns
UNDER-BANKED
UN-BANKED
 No Access to fin. products
 Low value txns.
 Restricted spend patterns
UN-BANKED
To meet the complexities and challenges of the market you need a flexible, powerful
suite of offerings to address the wide range of opportunities
Corporate Website Read our http://blog.obopay.com

13. Predicting the future - Down the rabbits hole ?
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14. Collaboration
Corporate Website Like us on www.facebook.com/ObopayMobilePayments

15. Differentiation
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16. Delivery
Corporate Website Read our http://blog.obopay.com

17. Business Models
Managed Service Licensed Platform
Obopay Obopay
• Develop, integrate maintain the platform • Develop, integrate maintain the platform
• Operate & host the service
Partner Partner
• Manage go-to-market & settlement, regulatory • Operates, hosts the service, manages the go-to-
compliance, customer /agent enrollment & service market, regulatory compliance, customer/agent
enrollment & service
• Bear fraud risks
• Bear fraud risks
Example Example
• US/MasterCard, Senegal/SG • Kenya / Essar
Corporate Website Join us on www.linkedin.com/company/obopay

18. Bringing it all Together
Consumer Linkages
• Universal • Eco-system approach
• Ubiquitous • Direct integrations
• UI • Inter-operable
Platform
• High Performing
GTM
• Efficient
• Investment in branding, distribution
• Global
and operations
• Strategic partnerships
• Appetite to stay the course
Mass Market Offerings Drive Volume/Profitability Create Largest/Network Effect
Corporate Website Like us on www.facebook.com/ObopayMobilePayments

19. The possibilities are endless
Corporate Website Follow us on http://twitter.com/Obopay

20. Thank you
@Obopay
@Neelspeak
www.obopay.com
www.facebook.com/ObopayMobilePayments
http://twitter.com/Obopay
http://blog.obopay.com/
www.linkedin.com/company/obopay