Financial service use case presentation of the MDK Messenger. Mobile application possibilities for bank and insurance companies. Investment Messenger. Mobile content sharing trends. MDK Introduction, Technical Background.

1. Secure & Mobile -
Financial Exchange
October 2015
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2. The global Messaging trend and the FinTech industry,
outgrow traditional business in the FS sector.
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100%
192%
320%
617%
844%
100% 104%
125%
208%
566%
76% 77% 87% 95%
2011 2012 2013 2014 2015
Mobile Messaging MAU* FinTech Relevance** NYSE Avg. Trading Volume
*Combined #MAU of: Whatsapp, FB Messenger, WeChat, Skype,
Snapchat, Viber, Line, Kakaotalk
** Google Trends for “Fin Tech” and “Fintech”

3. 3
• Facebook launched its friend-to-friend payment feature,
FM set to incorporate traditional payment services
• LinePay offers P2P, mobile payments and online shopping
• How to compete with tech-startups before they
cannibalize the market?
Messaging apps partner up
to enter the finance industry
Mobile is the trending
access channel
Mobile offers various
informational benefits
• Mobile banking has grown 75% from ‘11-’14
• Convenient access is a key differentiator and a must-
have for 18-24 year old clients
• How to develop a reliable mobile platform,
compatible with the existing infrastructure?
• Gather contextual information from your clients
• Integrate white-label financial technology into commonly
used application and services
• How to utilize the behavioral data generated by
smartphones to engage the customer efficiently?
Three reasons, why a focus on mobile/messaging is
relevant for todays financial service industry.

4. Our vision – Supply the infrastructure for context-based
financial systems and live interaction.
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How to use messaging as a
financial service USP?
How to protect my client’s
sensitive information in a
mobile infrastructure?
How to use mobile devices
to enhance the customer
experience?
White Label Messenger
Secure
encryption
Instant
Messaging
Content &
Data Sharing
Performance
by design

5. Exclusively designed for large
organizations, covering a vast
feature bandwith while
providing an open platform.
Introducing MDK: a white label infrastructure for
context-rich applications on mobile devices.
Highly scalable infrastructure,
capable of absorbing any
growth needs and designed to
seamlessly integrate with third
party services.
High quality data throughput
and storage infrastructure,
minimizing data loss and
supplying on-the-go hosting
scenarios.
All communication and data is
encrypted and hosted, using
industry security standards, to
prevent privacy and data breaches.
Emphasis on geolocation services
to allow for unique application
scenarios in the geofencing
context.
Process payments and support
mobile transactions through third
party payment wallets, such as
Google Wallet or PayPal.
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6. MDK – One messenger infrastructure to enable use cases
for various requirements.
B2B
Secure internal
Communication.
B2C P2P
Community
content platform.
Use Case I
Convenient & mobile
customer interaction.
Use Case II Use Case III
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7. Use Case I: Professional Messenger –
Secure mobile communication for corporations
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Content Sharing
 Share every type of data /
document imaginable
 Encrypted cloud storage
 Upload ticker data, contracts or
trading information
 Disseminate content to multiple
colleagues at once
 Cooperate on shared files
Individualization
 Configure access restrictions
through secure authentication
 Rely on save biometric or
multi-factor identification
 Template based or
personalized design
 Implementable into every
legacy system
Messaging
 Reach out to your colleagues
or bank contacts
 Receive context-dependent
notifications, e.g. trade triggers
 Discuss current market trends
or regulations in groups
 Work and edit content right out
of the messaging environment
Security & Performance
 Safely end-to-end encrypted
 SSL / https connection for
maximum user data security
 Resilient & scalable design,
withstanding peak loads
 Multi-layered API coupled with
clustered server architecture
 On-Premise hosting supported
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8. Use Case II: Integrated service offering –
Mobile convenience for your client
Security & Authentication
End-2-End Encryption + Biometrics
 Ensures highest data safety
Instant Messaging
Habitual + Engaging
 Cater to users’ interaction needs
Compatibility & 3rd Parties
Seamless Integration + White-label
 Use MDK in your legacy system
Mobile Banking
Content Features + Availability
 Captivate users with features
Flexibility & On-Premise
Data processing + Storage options
 Choose own Hosting or SaaS
Analytics
Information + Control
Tie users closer to the brand
Corporate
Functionalities
End - User
Functionalities
Core Target Group
 FS Companies
 without a mobile solution
 with an existing application,
wishing to add functionality
 Non-FS companies
 Looking to expand into the FS
sector
 Requiring mobile payment
processing
MDK’s Advantage
 MDK allows seamless integration of a
white-label messaging infrastructure
into companies systems, building on the
ubiquitous user expectation of instant
communication.
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9. Use Case III – Finance with Friends –
A social platform for content & conversations
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1st Level
 Form groups and forums to
spread & discuss news
 Share content & data with
other members
 Poll users and plan online &
offline events
 Switch between public and
private messaging
2nd Level
 Compare and compete
personal portfolios
 Incorporate review systems for
products and companies
 Receive discounts for family &
friends referrals
 Create a tiered user structure
for a loyalty program
3rd Level
 Facilitate P2P transactions
between users
 Coordinate lending/borrowing
activities between users
 Reward high engagement with
real-life benefits
 Rebuild your assets to resemble
community strategies

10. MDKs feature set is to provide opportunities to build
messaging platforms and allow third party integration.
Messaging
Send text, audio, picture and video
messages to single contacts or groups.
User Profiles
Provide complete user profiles,
including customisable themes and
third party social media integration.
Location Services
Share specific location data and geo-
tag messages by activating the
location services functionality.
Content & Data Storage
Securley upload, store & send content
within the MDK infrastructure or
through third party services.
Authentification & Verification
Secured user authentication via
validated phone numbers or social
media profiles.
Notifications
Push notifications for messages and
events to specific contacts or groups.
VOIP
Transmit voice data and set up
mailboxes for missed calls.
Third Party Services
Integrate third party content platforms,
such as YouTube and allow sharing of
internal data to outside web properties.
Events
Create and manage events for private
and public audiences.
Polls & Reminders
Allow the creation, sharing and
exporting of context based polls and
reminders.
Streaming & Conferencing
Stream video and voice live to follower
audiences or within a private and
secure environment.
Location Search & Discovery
Implement any number of location
based search and discovery features.
Payments
Send and receive money through third
party payment wallets, such as Google
Wallet or PayPal.
Content Platforms
Build a content platform and
marketplace, to allow the exchange of
user generated content.
Voice Recognition
Transform audio into text.
Follower Chats
Enhanced administrative capabilities
for VIPs, themes and events.
Analytics
Advanced user administration and
analytic capabilities.
Translation Services
Enhance your communication
capabilities with translation from
services such as Google Translate.
CoreFeaturesLogisticsFeaturesExtendedFeatures
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11. The MDK architecture – Providing a full stack mobile
environment solution.
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2. MESSAGING BACKEND
Highly available server cluster
3. SERVER INFRASTRUCTURE
Lightweight communication
protocol based on MQTT
1. MESSAGING PROTOCOL
Client integration via APIs
and cross platform SDKs
4. CLIENT INTEGRATION
Highly scalable messaging
application server
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12. The MDK architecture is flexible and designed to
integrate third-party sources and content providers.
MDK Services
Databases
Messaging
Third-Party Services & Content
Providers
Cloud based On-premise
ContentPayments
Profiles Notifications ...
Analytics Administrative Services
MQTT / HTTP API
MQTT/HTTPAPI
MultiChannelMessaging
Financial
Services
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13. US Office
101 West Broadway, Suite 110,
9101 San Diego, California, USA
German Office
Borsigstraße 9
10115 Berlin, Germany
MDK Labs GmbH
Kilian Thalhammer
Email: kilian.thalhammer@mdk.io
Phone: +49 160 47 84995
Russian Office
Sheremetyevskaya 6 bld. 1
129594 Moscow, Russia
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