The document discusses Sybase and Paybox's mCommerce solution. It notes that Sybase has extensive global reach and experience in mobile services. When combined with Paybox's mobile commerce expertise, it provides a complete mCommerce platform. The solution has over 15 million users and 20,000 merchants. It also focuses on banking the unbanked in Africa through various product offerings and interoperable payment networks across the continent.

1. Snap Shot – sub-Saharan Africa
June 2009
Sybase365 + paybox = mCommerce
Shaun Campbell – Business Development Director Sub Saharan Africa

2. Why Sybase & Paybox ?
The leading
+ + = mCommerce
Solution
§ Leading data § World’s largest § Leading provider of § Leading provider of
management, analysis mobile messaging mPayment solutions in mCommerce
and integration and content delivery prepaid, P2P solutions to Mobile
capabilities platform delivery transfers/remittance, Operators and FSI
more than 120 billion micro payments globally
§ Proven track record
with integrating messages per year solutions targeted at § Solidly positioned
banking services + Mobile Operator and FSI as the key
§ Unparalleled breadth
protecting data for and depth of in over § Live customers intermediary
FSI globally 700+ carrier deployments in mature between Mobile
relationships and emerging markets Operators and FSI
§ Over 4,500 employees
to growth
in 60 Countries § Leading R&D efforts § Hosted, License and mCommerce
§ >$1B revenue & in carrier mobility transaction based
model § International
profitable § Leader in mBanking presence via 60
application and § Leading R&D efforts in offices across the
services mCommerce solutions world
Sybase Confidential

3. GLOBAL REACH – REACHING MORE THAN 200
FINANCIAL INSTITUTIONS AND 700 OPERATORS
Sybase Confidential

4. mCommerce adds value to all players in
the ecosystem but barriers exist ..
Consumer Banks and Card Networks
§ Saves time § Reach new markets
§ Eliminates the hassle of § Increase transactions
handling cash § Lower costs
§ Gains flexibility with one § Leverage fraud mitigation
interface for many payment Loyalty and compliance processes
options § Build customer loyalty and
§ Has enhanced security Cooperation stickiness
Business models
Merchant Technology Mobile Operators
$ Adoption
§ Gains revenues from: § Deepen customer
§ Faster processing Economy relationships
§ Spending lift § Gain new revenue
§ Mobile couponing streams from processing
§ Reduces need for cash and billing
§ Increases customer loyalty § Have opportunity to
§ Drives merchant card usage disintermediate banks
The market requires trusted and proven leaders to take mCommerce forward
Source: The Tower Group, Inc. 2008 Sybase Confidential

5. Sybase365: global leader in mCommerce
mCommerce
End-to-End
Solution
mBanking mPayments mRemittance
Business Consulting
Customer Support for all Mobile Channels
Success Integrated Mobile Marketing
Embedded Business Intelligence
Global Interoperability
Reach Global Messaging
Global Data Roaming
Sybase Confidential

6. End-to-End - Need for an integrated
mCommerce solution
Evolution of Requirements
mBanking mPayments and
mRemittance
mTopup
§Account balances §Wallet management with §Manage a Friends-and-
§Transaction History multiple sources of funds Family-Lists
§Account details §Topup of any prepaid phone §Buy a remittance voucher
directly or via vouchers online, at an agent or in
§Card Management any retail location,
§Remote and proximity
§PIN Management
enabled purchases at any §Money transfer from an
§Complaints Management merchant acceptance point agent, a wallet or account.
§Notifications/alerts to §Money Transfer to known or §Remittance to an agent, a
receive account activity or unknown consumers wallet or into an account
threshold alerts
§Bill payments and §ATM cash-outs w/o a card.
§User preferences such as
§Loans repayments §Airtime Transfer across
languages or limits
§(Microfinance) borders.
§…
§… §…
Cost Savings New Services New Value
Sybase Confidential

7. Customer Success - Implement mobile communities
around “low-value, high-frequency” propositions
Banking
Bill
TopUp
Payments
Emerging
Markets Mobile
Loans
Content
Mob. Re-
mittance
Communities
Mob Re-
Mobile mittance Self
Payments TopUp
Developped
Markets Mobile Mobile
Content Banking
,,,
Sybase Confidential

8. What do CGAP say about mCommerce models?
Sybase Confidential

9. M-commerce Service examples
•m-FI •Payments
• MFI / SACCO / Bank • Airtime self top-up
• m-Banking, m-Cash-In/Out • Merchant payments
• MFI/SACCO Loan repayments • Utility payments (Water, Electricity, Gas)
• Alerts • School finances & payments
• Accounts On The Street • Churches
• Hospitals, Pharmacies
•Business • Ticketing
• Lottery
• SME/B2B trading & settlement
• Farmers, Fishermen, Coops
• SME hosted Accounting
• Corporate deliveries
• Salaries, Pensions, Benefits
•m-Insurance & Medical •Disbursements
• micro payments • Salaries, Welfare, Pensions, NGO
• Alerts
•Government Collections
•Transfers • Income Tax, Corporation Tax, VAT,
• P2P Car/Road Tax, TV licence, National Pension
Schemes, Council / Municipality Tax
• Agent 2 Agent Transfer (e.g. Post Office)
• B2B
•International Remittance
Sybase Confidential

10. Core Banking The Unbanked Services
Banking The Unbanked – Core Services
Direct by User via Agent
Recharge Load
Bill Transfer & Recharge
& Present & M-Banking Account Bill Transfer &
&
Pay Credit Remittance Payment Funds Unload
Remittance
Funds
Sybase Confidential
10

11. Funds Management
Location of Stored Funds: Cash-In/Out Points:
•Stored Value Accounts (SVA) •Street Agents
•Linked MFI Accounts •Merchant Agents
•Linked Bank Accounts •shops, fuel stations, bars, restaurants
•Post Offices
•Funds security •MFI/Bank Agents/Branches
•Trustee Accounts at partner bank •Insurance Agents
•Pre-funded agents •Schools
•Cardless ATM
•Scratch Cards (cash-in)
•Payment cards / Debit cards
Sybase Confidential

12. Source of Funds
Hierarchy of ‘Banked’ status
§ Unverified
Source Of Funds
§ No KYC
• Virtual Account § Basic ID
• Stored Value Account § Tight transaction count &
Unbanked • Auto-Open Account value limits
§ Partial Authentication
• Micro Finance debit account § Partial KYC
• Stored Value Account
Semi § Verified ID
banked • Limited Bank Account
§ Higher transaction limits
§ Full Authentication
• Full Bank account § Full KYC
Fully • Debit/Credit Card
Banked § Normal banked limits
Auto-Account opening on a P2P
transfer
Intention to move customers from
Unbanked to Fully Banked status
Applies to Merchants & Subscribers
Sybase Confidential
12

13. paybox independent m-commerce projects
in Africa – Trading Footprint
•Agnostic, MNO &
Bank independent
•Initiatives designed
to cover economic
regions
•Interconnection of
trade (remittances)
•Common platform
•Shared strategies
under and products
construction
•Joint marketing
Sybase Confidential

14. mCommerce with Sybase 365 in a nutshell
§ live mCommerce deployments with more than 15 million
end consumers and 20,000 merchants.
§ Interoperability between mobile payment networks with
established industry reference points;
§ Global leader in mobile messaging services delivering 200+
Billion messages a year with reach to more than 2.7 billion
mobile subscribers
Why Sybase
§ Customers include more than 200 leading financial can lead
institutions, and more than 700 operators worldwide. mCommerce
§ Complying with industry standards including ISO 9001,
Payment Card Industry (PCI),
§ Certified by the GSM-Association as an official GSMA
Mobile Money Vendor.
§ Wholly owned subsidiary of Sybase, Inc., (NYSE: SY); with
revenues in excess of US$1.1 billion and over 4,500
employees in 60 Countries.
Sybase Confidential

15. Summary
• Extensive global “Reach and Range” in mobile services
• The most complete solution in the mCommerce market today
Sybase Inc. has been ranked at the top of the latest non-NFC mobile commerce
Vendor Matrix released by ABI Research
“Sybase, through its acquisition of mobile commerce pioneer Paybox, has the most successful program
today,” he said. “That experience, combined with Sybase’s strong MNO relationships, earns them top
ranking.”
May 19, 2009, ABI Research
• Extensive Banking-the-Unbanked focus for the African market
• Pan-African project footprints in place
• Considerable solution design & delivery capabilities and
experience
Sybase Confidential

16. Contact Details
Shaun Campbell
Director, Business Development, Sub-Saharan Africa - mCommerce
Email: shaun.campbell@sybase.com
Phone: +254 71 302 6346
Sybase Confidential