The document discusses Obopay's mobile payment technology and product evolution. It describes Obopay's mobile money platform which provides universal access and a consistent user experience across markets. The platform offers capabilities like peer-to-peer payments, bill pay, cash-in/cash-out and links to bank accounts. It also discusses Obopay's use of agents, distributors and stores to extend its reach and offer cash management services. Finally, it notes Obopay's single infrastructure supports mobile payments across multiple countries securely.

1. Mobile Money-Technology
and Product Evolution

2. Mobile Money Technology Leadership
Mobile Assets Innovation Framework Universal Payments
 Universal Access  New use cases quickly and  Master Transaction Account/
 Consistent Experience efficiently Paypal model
 Mastered Security  Packaging  Link/transact to bank accounts,
 Branding cards, payment networks
 Embedded in web and other
applications  Processing Rules  Create multiple options for
payment arbitrage
 Great User experience  Collaboration with external
systems  Bridge Payment ecosystems and
prepaid mobile account option
Mass Market Drive volume/ Create Largest
Offerings profitability Network Effect
Like us on www.facebook.com/ObopayMobilePayments
2

3. Broad range of capabilities and
directions
eCommerce Check and Cash
P2P Retail Payments
mCommerce Replacement
 Domestic Money  Top up mobile
 Bill Payment  Wireless
Transfer and TV payments at
 P2P on social  Get Paid for SME retail (SME)
 Mobile Tickets
networks 
transport & Taxi  Payment cards
 Card to Card entertainment
 Subscription and  Virtual Cards
 Cash to Cash  Web checkout store collections with Pins at POS
via mobile
 International  Home Delivery  mPOS (phone
Remittance  Text to buy only)
Obopay’s broad range of mobile payment services capabilities are positioned
to address demand in any geography, market and customer segment
3

4. Product Evolution
Classic P2P Initial Obopay Advanced Obopay Mobile Payment Solutions Today
Obopay Obopay Obopay
User User User
Prepaid Card Indirect Direct Wireless
Internet Prepaid Payment Payment
Banks Banks Carriers Internet
Card Networks Processors
Merchant ATM
Business Government ATM Merchant
Obopay Non- Obopay Non-
Obopay
User Obopay User Obopay
User
User User
Follow us on http://twitter.com/Obopay
4

5. Differentiated, highly flexible platform
USSD
Casual
P2P
Load, link or transact Commerce Transact or unload
Bank Bank
Cash
Acct Card Obopay Retail (POS E/M Obopay Cash
Acct Card
and mPOS) Commerce
Topup, Bill
Pay Mobile
Check
Obopay has built a unique, hard to replicate platform and mobile technology to
service payment transactions across use cases, markets and geographies
Read our http://blog.obopay.com

6. Mobile and Branch Agents
• Enables designated agents to enroll, perform
KYC and register customers
• Agents use modules for management of
customer accounts, cash in & cash out
transactions
• Flexible commission, remuneration and
settlement structures
• Multiple –channel access including web,
mobile web and WAP
Updated Mobile
wallet SVA
Balance ….
Join us on www.linkedin.com/company/obopay

7. Agent Framework for Extending Reach
Support for Multiple Distribution Networks MNO
Regional Distributor
MNO Stores
Liquidity Management
Features
Registration
Know Your Customer
Cash – In
Cash-Out
Viral Cash-Out
ATM Card Distribution
Merchant Sign Up
Liquidity
Management
Like us on www.facebook.com/ObopayMobilePayments

8. Sales Manager for Physical
Cash Management
Follow us on http://twitter.com/Obopay

9. Single Infrastructure –Multiple Countries
External
Operating MNO
Internet Financial
companies
Systems
Centralized Hosting site(DC)
Secured Tunnel
MSC
over internet
Firewalls
Network
BTS Node
HLR Secured Tunnel
over internet
Country 1
Sub
Secured Tunnel
Network over internet –
Node Secondary IP Card External Networks &
MSC Systems
Management
Secured Tunnel system +
over internet Switch
BTS
HLR Centralized Hosting site(DR)
Secured Tunnel
Country 2 over internet-
Sub Secondary IP
Secured Tunnel
MSC Network over internet –
Node
Secondary IP
Firewalls
BTS
HLR
Country 3
Sub

10. Concept : International Transaction Hub
ATM CASH OUT
Join us on www.linkedin.com/company/obopay

11. Thank You
www.facebook.com/ObopayMobilePayments
http://twitter.com/#!/Obopay
http://blog.obopay.com/
www.linkedin.com/company/obopay
11