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WAY4 Solutions Overview

This document discusses OpenWay Group's digital payment platform called WAY4. It provides the following key points: 1) WAY4 is a digital payment platform that aims to help payment companies embrace challenges in the digital era by providing payment software solutions. 2) It offers digital wallet, card issuing, acquiring, switching and other payment products and services in a unified and flexible way to ensure secure customer experience. 3) OpenWay is a leading global provider of digital payment software, ranked number 1 by Gartner and Ovum, and its WAY4 platform is used by major banks and payment processors worldwide.

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2 § #1 global ranking in Card Issuing and Merchant Management by Gartner and Ovum, 2009- 2016 § Top global ranking in Digital Wallets by Ovum, 2016-17 Find more answers at our website: openwaygroup.com our flagship product WAY4. The Digital Payment Platform We aim to provide startups and leaders of the payment industry with payment software that helps them embrace the challenges of the digital era. The ongoing shift makes the payment industry complex, connected, and more unpredictable more than ever. Physical services are becoming virtual, and we expect them to be accessible and consumable in the fastest and simplest way. The digital customer journey is influenced by alternative payment instruments and data insight. Time to market is becoming shorter. Customers revoke their loyalty and change service providers more often. New players are invading the market. Local companies are expanding globally. Ecosystems are quickly created and destroyed. Profit margins are decreasing catastrophically. All this requires payment institutions to be unusually agile and open-minded. They need to invest in solutions that ensure an uninterrupted and secure customer experience, even when their transaction volumes grow exponentially. In platforms that provide a diversity of digital payment products and services in a unified and flexible way. In architectures that are open to inter-system and inter-channel connections and fast on-boarding of innovations. WAY4 comes with all that technology.
3 our company OpenWay. A Top Ranked Software Vendor Leading payment institutions use WAY4 software solutions for account management, digital wallets, card issuing, acquiring, switching, e-commerce gateway, and omni-channel digital banking. Our project geography covers Europe, Asia, Africa, the Middle East and Americas. Our client portfolio includes banks and processors, telcos, fleet companies, and governmental agencies. Many of them migrated from legacy systems to WAY4 as part of their digital transformation programs. Others confronted the limitations of existing service providers and brought payment technology in house. Some customers wanted to go cross-border. Others launched a greenfield business on WAY4 and became tier-1 companies. Growing together with clients, OpenWay has also transformed from a European start-up in 1998 into a global leader. We were ranked 1st by Gartner and Ovum on top of best digital payment software vendors. We are chosen by SIX Payment Services, equensWorldline, Equity Bank of Kenya, Raiffeisen Bank International, Nets, Savings Bank of Russia, Comdata, Network International, Credorax, Borgun, AIS Thailand, and others.
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6 ”AzeriCard’s portfolio of card and mobile payments has been growing rapidly, based on the solutions and international expertise of our partner OpenWay. Launch of WAY4 Cash By Code was an important step towards the multifunctional mobile wallet offer.” Anar Sultanov, the Managing Director of AzeriCard Download Ovum’s report on Digital Wallet, including insights in global trends and challenges
7 WAY4 supports various payments methods based on QR code and NFC. Shown is a demo app that enables QR-code payments in the online shopping experience Scan to watch the video on QR-code payment solution now
8 Business Models for Your Digital Wallet Contactless in-store payments and couponing via QR, NFC, SMS USSD and in-app payments. Local QR and NFC schemes, mVisa, Apple Pay, Samsung Pay, Google Pay. Loyalty monetization based on customer behavior, segmentation and tiers, personalized loyalty, cross- and up-sales based on customer purchase analysis Merchant loyalty clubs, targeted offers via wallet based on cross-merchant data insight P2P, P2M, P2G, B2B, and B2G transfers, bill splitting E-Commerce wallet and tokenization, one-click payments Game industry, tourist, transport/transit, marketplace and other wallets Mobile tickets for sport events, art festivals, museums, expo and other venues Omni-channel wallet for POS, e-commerce and m-commerce payments and loyalty Mobile check-in and check-out Family wallet based on prepaid account schemes and gamification Wallet and e-money for unbanked clients in the emerging markets Wallets for remittances and digital banking, and many more… All-in-One Flexible Solution • Digital wallet software platform, incl. back-office, gateway, API and app management • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • New features introduced one step ahead of the competition • Early bird innovation
9 WAY4 Wallet Success Stories • SmartPay is a new mobile wallet for financial inclusion in Vietnam launched on WAY4 • B1NK Digital Banking and Wallet attracted 50,000 new clients to a start-up bank in just one year. • QAZKOM is the first bank in Central Asia to launch mVisa QR code payments for micro-merchants and SMEs. It complements their POS acquiring leadership and 75% market share in e- commerce acquiring, all powered by WAY4. • AzeriCard, the largest processor in Azerbaijan, transformed mobile banking into mobile wallet with the WAY4 Cash By Code – the technology for instant money transfers on mobile and cardless cash withdrawals on ATMs. Later, this innovative feature was added to 1300 ATMs and boosted mobile customer enrolment. This project was implemented by OpenWay team in just 2 months. • Already launched over 20 tokenization projects for our clients, including the first market launches of Apple Pay and Samsung Pay in several countries. Why WAY4 Wallet • Multiple wallet models on the same platform • Complete transaction lifecycle – from customer and product on- boarding through authentication, online fees and commissions, risk and dispute management, credentials management and fraud prevention to online accounting, interfaces to payment schemes, clearing & settlement, analytics and reporting • Flexible and dynamic pricing – group and individual rules for wallet ecosystem members • All financial instruments: credit and prepaid cards, wallet accounts, e-money, coupons, bonus points, alternative payment methods • Payments and transfers via QR (closed-loop, mVisa), NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, SMS, USSD, in-app payments • Omni-channel: mobile app, chat bot, PC, iWatch, POS, e- Commerce, ATM, API • Cards schemes (AmEx, Diners Club, JCB, Masterсard, Visa, Unionpay) and alternative payment methods • Online 24/7/365, high availability 99,995% • Certified by PCI SSC (PA-DSS compliance) • Level-3 data processing • Product catalogue storage, purchase analysis • Open/API banking, cross-border, multi-currency, • Micropayments optimization (micro transaction aggregation)
10 WAY4 Digital Wallet: card enrolment, virtual card generation, security, loyalty, one-time PIN generation, geo-services, and more Scan to watch the WAY4 Wallet promo video now goo.gl/yPBxwf
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12 WAY4 ACQUIRING “We put WAY4 at the center of our organization. This enabled us to extend our current business lines both domestically and cross-border.” Presentation of a leading payment institution in Portugal at OpenWay Club forum Download Ovum’s report on CMS
13 Expanding Your Acquiring Business? Omni-channel merchant management for POS, e-commerce and mobile acquiring Wallet & e-money acquiring Loyalty programs: merchant and co-branded Micropayments with transaction aggregation services to merchant costs Payment service providers, merchant payment aggregators, payment facilitators, marketplaces MCP (multi-currency pricing), DCC (dynamic currency conversion) Hierarchical mobile agent top-up schemes for telecoms Corporate card acquiring Fleet card acquiring Transport/transit payments acquiring Merchant loans, order splitting for multiple shipments, tokenization, merchant currency, closed-loop prepaid and other value-added services All-in-One Flexible Solution • Omni-channel acquiring software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition
14 WAY4 Acquiring Success Stories • Credorax migrated from FirstData’s OmniPay to WAY4 and become a leader in e-commerce acquiring. Now they accept payments in 188 countries and report a CAGR of over 50%. • equensWorldline, a pan-European payment giant, has grown from 0,1 to 15 million transactions per day. This pan-European acquirer serves over half a million merchants in 3 countries through its WAY4 platform. • KTB, a leading bank in Thailand, has migrated 20,000 merchants and 55,000 POS terminals to WAY4 in six months — the fastest digital transition in banking known in APAC. • Fleet card processors of over 8,000 gas stations use WAY4 to control and encourage customer spending at gas stations. They can now accept international and local payment cards, fleet cards, co- branded cards and digital wallets. • areeba, a pioneer in e-payments in the MENA region, chose WAY4 to implement contactless POS acquiring for 5,000 merchants including McDonalds, Nike, Vero Moda and ALDO. Why WAY4 Acquiring • Variety of services for merchants: P2P and P2M payments and transfers, FX exchange, partial shipment processing, merchant loans, loyalty, merchant cards and currencies. • Acceptance of any financial instruments: B2C and B2B cards, accounts, wallets, e-money, contactless/tokens • Omni channel: POS, mPOS, EPOS, e-commerce, contactless, chat bot, mobile in-app payments, API channels • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass • Flexible online back-office for a complete transaction lifecycle: from online customer and product onboarding, account opening, fees, commissions, events and counters through payments and transfers, fraud prevention and dispute assistance to merchant payments, accounting, clearing and settlement, analytics and reporting • Multi-level merchant hierarchies, risk management, pricing, reporting; corporate schemes and level-3 data processing and taxes calculation • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay and PCI DSS (PA-DSS compliance) • Acquiring loyalty programs and merchant bonus clubs based on online and offline transaction data and customer profile • Cross-border, multi-currency, multi-bank schemes • Open Banking support with rich API
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16 Finnet reported 150% revenue growth and 34% transaction volume growth. “We chose WAY4 for its flexibility, modularity, and cost-efficiency.” Erman Suherman, Operation, IT & Innovation Director, Finnet
17 Expanding Your Payment Business? E-commerce, POS, omni-channel switch, gateway and acquiring Omni-channel digital banking National switching and payment schemes Universal payment hub IPS switch 3-D Secure Gateway Dynamic Currency Conversion system Value-added services (prepaid, loyalty, wallets, etc.) Non-card alternative payment methods Open banking hub Instant Payments scheme All-in-one digital payments and banking platform All-in-One Flexible Solution • Omni-channel transaction switching and payment gateway software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition • Early bird innovation
18 In the era of mobile commerce growth, it’s crucial to support omni-channel customer experience and ensure 365/24/7 availability. Support of the card and non-card alternative payment methods is a must.
19 WAY4 Switch Success Stories • Finnet, the core of Indonesian payment ecosystem, serves and connects 60 banks and 20 billing companies using WAY4. After 150% revenue growth and 34% growth in transaction flow, Finnet decided to migrate 2 more switches to the WAY4 platform. • Borica, a major processor in Bulgaria, launched a digital transformation project on WAY4 to upgrade the card business of over 30 banks in the region • Bank Rakyat Indonesia, the largest microfinance institution in the world, expanded its ATM network on WAY4 from 3,000 to 18,000 terminals. • National Bank of Bangladesh interconnects 49 regional banks on WAY4 • 20+ white-label 3-D Secure e-commerce gateway projects have been launched for our clients in various regions. Why WAY4 Switch & E-Commerce Gateway • Significant cost reduction thanks to unprecedented platform configurability • Fast implementation, new payment method addition in 1-3 weeks and shorter time-to-market • Omni-channel services: POS, mPOS, EPOS, ATM, e-commerce, contactless and mobile in-app payments, chat bot, host-to-host • Acceptance of cards and alternative payment methods • Groovy-based scripts to support international, regional, and local protocols • Flexible transaction scenarios based on price, risk, geography and other parameters • 3-D Secure 2.1 MPI • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass, Alipay • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay, national payment schemes and PCI SSC (PA-DSS compliance) • Cross-border, multi-currency, multi-bank schemes • API, ISO 20022, ISO 8385, SEPA, SPDH, NDC+, Rest API • In-memory grid for tokenization
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21 “SIX and OpenWay are leveraging their work together to design and implement a future- proof solution to enable SIX bank customers to select their own strategy in payments “ SIX Payment Services presentation at OpenWay Club forum “The new system not only gives Equity Bank a strong competitive advantage in cutting edge technology and card management, but allows speedy and efficient transaction process in real time, and in all currencies.” James Mwangi, CEO of Equity Bank of Kenya
22 Business models for Your Issuing Needs Prepaid, e-money and gift payment instruments, with cards and accounts shareable among family or friends Revolving and charge credit cards with limits and fees that depend on customer transaction activity Virtual and one-time cards for mobile and e-commerce Monetization of cardholder loyalty – personalized targeted cross-sales and up-sales Instalments generated automatically or selected at POS, e-commerce, mobile channels Customer-initiated transaction conversion into instalments Microfinance and micropayments, payday loans Remittances that are card-, account- and wallet-based Multi-currency cards and accounts Online, automated and scheduled payments and transfers from cards and accounts Corporate and fleet card issuing Value-added services based on currency conversion, personal finance assistant, data insight API monetization All-in-One Flexible Solution • All-in-one card issuing and account management platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition • Early bird innovation
23 Mobile Instalments on WAY4: look how it works from the customer’s perspective Scan to watch the video on instant instalments in mobile now goo.gl/VCu9Ko Sdasdsd
24 WAY4 Issuing Success Stories • Equity Bank of Kenya runs its issuing and acquiring business on WAY4 for over 10,000,000 clients. • The largest retail bank in Eastern Europe uses WAY4 issuing and acquiring back-office and authorization switch for 200,000,000 credit and debit cards and 3,200 t.p.s. • SIX Payment Services, pan-European processing leader, migrated 38 banks to WAY4 in just 15 months. • Nets, top payment player in Nordics, serves issuing banks in three countries, with a client portfolio of 1,000,000 cards on WAY4. • Tsesnabank migrated to WAY4 from BPC’s SmartVista with goal to free staff “from routine procedures and have the time and ability to develop business.” Migration was done in the record time of only 4 months. • Leading fleet card companies use WAY4 for online fleet card, loyalty and level-3 data processing of 27,000,000 fuel and loyalty cards. • Network International, a top Middle Eastern processor, uses WAY4 to offer issuing, acquiring and switching services to 30 banks in MEA region. Why WAY4 Issuing • Any type of cards and accounts: revolving, instalment, charge, debit, prepaid, corporate, virtual, gift, fleet, microloans, e-money • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass • Instant issuing of plastic and virtual cards and secure paperless PIN delivery • Flexible online back-office and authentication for complete transaction lifecycle – from online customer and product onboarding, account opening, fees, commissions, events, counters and card personalization through authentication, payment/transfers, fraud prevention and dispute assistance to accounting, clearing and settlement, analytics and reporting • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay and PCI SSC (PA-DSS compliance) • Issuing loyalty programs based on transaction data and customer profile • Cross-border, multi-currency, multi-bank schemes • Open Banking with rich API
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26 1st digital-only bank B1NK in Central Asia attracted 100,000 new mobile clients in 12 months on WAY4. "We want to be as simple as jeans and a smartphone." Gani Uzbekov, CEO, B1NK
27 Looking for Digital Banking Transformation? Omni-channel digital banking Branchless and agent digital banking Social network banking Personalized customer service beyond tiers and segmentation Mobile interfaces, channels and scenarios native for the new generation Digital customer journey: includes online customer onboarding, online account opening and card generation, online loyalty and coupons, online payments and transfers, personal finance assistance, and more Personalized offers and interactive banners based on data insight and customer profiling Automated configurable workflows Instant B2B and B2C payments and transfers All-in-One Flexible Solution • Omni-channel lifestyle banking software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • New features introduced to stay one step ahead of the competition
28 Looking for a digital transformation? Stay one step ahead of your competition with the new generation lifestyle banking Scan to watch the video of WAY4 Lifestyle Banking solution now goo.gl/v1A8oo
29 Over 75% of internet users worldwide use messaging services on mobile devices. Banks can use WAY4 Messenger Banking to create a chat bot for Facebook, Telegram, WeChat, Viber and Line, and link it with any core banking and card processing system on the back-end. The chat bot autonomously communicates with users and provides them information about bank services. It can also manage customer cards and accounts, adjust security settings and make payments to friends and contacts.
30 WAY4 Success Stories • B1NK, the first digital bank in Central Asia, built its business on WAY4 in just 9 months and attracted 50,000 new clients during the first year. Several months later, the bank and OpenWay pleased the tech-savvy users with the region’s first bank bot. • AK Bars, a top 20 bank in Russia, runs its digital projects on WAY4. The bank launched the country’s first contactless wallet for an international, multi-sport competitive event. The guests used Watch2Pay – a wristwatch with linked renewable prepaid Mastercard cards – to tap and pay at thousands of local restaurants, gas stations and boutiques. Why WAY4 Digital Lifestyle Banking • Omni-channel: mobile, PC, chat bot, iWatch, API, agent banking • Variety of services: payments and transfers, loyalty, customer profile, utility services, bill presentment, online deposit opening, informational services, sales and cross- sales, personalized interactive banners, bill splitting, online card issuance, online applications, management of limits, currency exchange, personal targets, geo-services, gamification, etc. • Numerous payment instruments (accounts, cards, e-money and wallet accounts) and payment interfaces (in-app, QR, NFC, SMS, API) • Multiple e-wallet features: enrolment of cards and accounts of other banks, tokenization and contactless payments • Automated rule-driven workflows: application processing, risk management, disputes, customer segmentation • Various methods of customer authentication and payment confirmation • Personal finance assistant, transaction and customer analysis for proactive personalized service • Simple, convenient and configurable UI and scenarios • Online integration with any core banking, CMS and other systems • 24/7/365 availability and high performance
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32 Create new revenue streams 1. Monetise your customer base with open banking APIs, account access, more payments and value-added services 2. Quickly adapt your IT infrastructure to instant payments at minimum time & cost 3. Generate revenue on your own payment methods 4. Increase revenue streams with more payment and loyalty options 5. Become the preferred partner and intermediator for banks, PSPs, consumer finance and insurance companies, merchants and other payment players, and jointly promote online offers 6. Flexible rules for partners (pricing, risk, etc.) 7. Improve customer journey and increase profitability with personalized financial and shopping assistance 8. Attract successful startups and other partner with API’s, flexible pricing and high volumes capabilities Be complete • Unified platform for PSD2 hub, instant payments, e-commerce gateway, ATM/POS switch, wallets, CMS and digital banking • Online B2C and B2B services • Account data aggregation, customer profiling • PSD2 API directory service and ASPSP API support • Payment gateway (PISP) • Reconciliation: credit transfer and direct debit payment flows; SEPA • Merchant portal and API
33 WAY4 PSD2 Hub architecture
34 Be ready • 1-second response for instant payments • PSD2 hub to play the roles of PISP, AISP, and ASPSP • Parallel request processing • Banking APIs Be secure • Online transaction risk analysis and RBA • SCA (strong customer authentication) with mobile-driven authentication SDK • Merchant TRA-driven tokens • PA-DSS compliance Be open • True 24/7 payment availability • Development portal • Analytics Be on time • White-label on-premise implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • Feature growth one step ahead of the competition • Early bird innovation Be friendly • Improve customer journey and increase profit with personalized financial and shopping assistance • Seamless customer payment experience • Help your customer select the most beneficial payment method Be the leader Decide and implement open banking now with WAY4 PSD2 Hub.
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WAY4 Solutions Overview

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    2 § #1 globalranking in Card Issuing and Merchant Management by Gartner and Ovum, 2009- 2016 § Top global ranking in Digital Wallets by Ovum, 2016-17 Find more answers at our website: openwaygroup.com our flagship product WAY4. The Digital Payment Platform We aim to provide startups and leaders of the payment industry with payment software that helps them embrace the challenges of the digital era. The ongoing shift makes the payment industry complex, connected, and more unpredictable more than ever. Physical services are becoming virtual, and we expect them to be accessible and consumable in the fastest and simplest way. The digital customer journey is influenced by alternative payment instruments and data insight. Time to market is becoming shorter. Customers revoke their loyalty and change service providers more often. New players are invading the market. Local companies are expanding globally. Ecosystems are quickly created and destroyed. Profit margins are decreasing catastrophically. All this requires payment institutions to be unusually agile and open-minded. They need to invest in solutions that ensure an uninterrupted and secure customer experience, even when their transaction volumes grow exponentially. In platforms that provide a diversity of digital payment products and services in a unified and flexible way. In architectures that are open to inter-system and inter-channel connections and fast on-boarding of innovations. WAY4 comes with all that technology.
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    3 our company OpenWay. ATop Ranked Software Vendor Leading payment institutions use WAY4 software solutions for account management, digital wallets, card issuing, acquiring, switching, e-commerce gateway, and omni-channel digital banking. Our project geography covers Europe, Asia, Africa, the Middle East and Americas. Our client portfolio includes banks and processors, telcos, fleet companies, and governmental agencies. Many of them migrated from legacy systems to WAY4 as part of their digital transformation programs. Others confronted the limitations of existing service providers and brought payment technology in house. Some customers wanted to go cross-border. Others launched a greenfield business on WAY4 and became tier-1 companies. Growing together with clients, OpenWay has also transformed from a European start-up in 1998 into a global leader. We were ranked 1st by Gartner and Ovum on top of best digital payment software vendors. We are chosen by SIX Payment Services, equensWorldline, Equity Bank of Kenya, Raiffeisen Bank International, Nets, Savings Bank of Russia, Comdata, Network International, Credorax, Borgun, AIS Thailand, and others.
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    6 ”AzeriCard’s portfolio ofcard and mobile payments has been growing rapidly, based on the solutions and international expertise of our partner OpenWay. Launch of WAY4 Cash By Code was an important step towards the multifunctional mobile wallet offer.” Anar Sultanov, the Managing Director of AzeriCard Download Ovum’s report on Digital Wallet, including insights in global trends and challenges
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    7 WAY4 supports variouspayments methods based on QR code and NFC. Shown is a demo app that enables QR-code payments in the online shopping experience Scan to watch the video on QR-code payment solution now
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    8 Business Models forYour Digital Wallet Contactless in-store payments and couponing via QR, NFC, SMS USSD and in-app payments. Local QR and NFC schemes, mVisa, Apple Pay, Samsung Pay, Google Pay. Loyalty monetization based on customer behavior, segmentation and tiers, personalized loyalty, cross- and up-sales based on customer purchase analysis Merchant loyalty clubs, targeted offers via wallet based on cross-merchant data insight P2P, P2M, P2G, B2B, and B2G transfers, bill splitting E-Commerce wallet and tokenization, one-click payments Game industry, tourist, transport/transit, marketplace and other wallets Mobile tickets for sport events, art festivals, museums, expo and other venues Omni-channel wallet for POS, e-commerce and m-commerce payments and loyalty Mobile check-in and check-out Family wallet based on prepaid account schemes and gamification Wallet and e-money for unbanked clients in the emerging markets Wallets for remittances and digital banking, and many more… All-in-One Flexible Solution • Digital wallet software platform, incl. back-office, gateway, API and app management • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • New features introduced one step ahead of the competition • Early bird innovation
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    9 WAY4 Wallet SuccessStories • SmartPay is a new mobile wallet for financial inclusion in Vietnam launched on WAY4 • B1NK Digital Banking and Wallet attracted 50,000 new clients to a start-up bank in just one year. • QAZKOM is the first bank in Central Asia to launch mVisa QR code payments for micro-merchants and SMEs. It complements their POS acquiring leadership and 75% market share in e- commerce acquiring, all powered by WAY4. • AzeriCard, the largest processor in Azerbaijan, transformed mobile banking into mobile wallet with the WAY4 Cash By Code – the technology for instant money transfers on mobile and cardless cash withdrawals on ATMs. Later, this innovative feature was added to 1300 ATMs and boosted mobile customer enrolment. This project was implemented by OpenWay team in just 2 months. • Already launched over 20 tokenization projects for our clients, including the first market launches of Apple Pay and Samsung Pay in several countries. Why WAY4 Wallet • Multiple wallet models on the same platform • Complete transaction lifecycle – from customer and product on- boarding through authentication, online fees and commissions, risk and dispute management, credentials management and fraud prevention to online accounting, interfaces to payment schemes, clearing & settlement, analytics and reporting • Flexible and dynamic pricing – group and individual rules for wallet ecosystem members • All financial instruments: credit and prepaid cards, wallet accounts, e-money, coupons, bonus points, alternative payment methods • Payments and transfers via QR (closed-loop, mVisa), NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, SMS, USSD, in-app payments • Omni-channel: mobile app, chat bot, PC, iWatch, POS, e- Commerce, ATM, API • Cards schemes (AmEx, Diners Club, JCB, Masterсard, Visa, Unionpay) and alternative payment methods • Online 24/7/365, high availability 99,995% • Certified by PCI SSC (PA-DSS compliance) • Level-3 data processing • Product catalogue storage, purchase analysis • Open/API banking, cross-border, multi-currency, • Micropayments optimization (micro transaction aggregation)
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    10 WAY4 Digital Wallet:card enrolment, virtual card generation, security, loyalty, one-time PIN generation, geo-services, and more Scan to watch the WAY4 Wallet promo video now goo.gl/yPBxwf
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    12 WAY4 ACQUIRING “We putWAY4 at the center of our organization. This enabled us to extend our current business lines both domestically and cross-border.” Presentation of a leading payment institution in Portugal at OpenWay Club forum Download Ovum’s report on CMS
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    13 Expanding Your AcquiringBusiness? Omni-channel merchant management for POS, e-commerce and mobile acquiring Wallet & e-money acquiring Loyalty programs: merchant and co-branded Micropayments with transaction aggregation services to merchant costs Payment service providers, merchant payment aggregators, payment facilitators, marketplaces MCP (multi-currency pricing), DCC (dynamic currency conversion) Hierarchical mobile agent top-up schemes for telecoms Corporate card acquiring Fleet card acquiring Transport/transit payments acquiring Merchant loans, order splitting for multiple shipments, tokenization, merchant currency, closed-loop prepaid and other value-added services All-in-One Flexible Solution • Omni-channel acquiring software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition
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    14 WAY4 Acquiring SuccessStories • Credorax migrated from FirstData’s OmniPay to WAY4 and become a leader in e-commerce acquiring. Now they accept payments in 188 countries and report a CAGR of over 50%. • equensWorldline, a pan-European payment giant, has grown from 0,1 to 15 million transactions per day. This pan-European acquirer serves over half a million merchants in 3 countries through its WAY4 platform. • KTB, a leading bank in Thailand, has migrated 20,000 merchants and 55,000 POS terminals to WAY4 in six months — the fastest digital transition in banking known in APAC. • Fleet card processors of over 8,000 gas stations use WAY4 to control and encourage customer spending at gas stations. They can now accept international and local payment cards, fleet cards, co- branded cards and digital wallets. • areeba, a pioneer in e-payments in the MENA region, chose WAY4 to implement contactless POS acquiring for 5,000 merchants including McDonalds, Nike, Vero Moda and ALDO. Why WAY4 Acquiring • Variety of services for merchants: P2P and P2M payments and transfers, FX exchange, partial shipment processing, merchant loans, loyalty, merchant cards and currencies. • Acceptance of any financial instruments: B2C and B2B cards, accounts, wallets, e-money, contactless/tokens • Omni channel: POS, mPOS, EPOS, e-commerce, contactless, chat bot, mobile in-app payments, API channels • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass • Flexible online back-office for a complete transaction lifecycle: from online customer and product onboarding, account opening, fees, commissions, events and counters through payments and transfers, fraud prevention and dispute assistance to merchant payments, accounting, clearing and settlement, analytics and reporting • Multi-level merchant hierarchies, risk management, pricing, reporting; corporate schemes and level-3 data processing and taxes calculation • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay and PCI DSS (PA-DSS compliance) • Acquiring loyalty programs and merchant bonus clubs based on online and offline transaction data and customer profile • Cross-border, multi-currency, multi-bank schemes • Open Banking support with rich API
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    16 Finnet reported 150%revenue growth and 34% transaction volume growth. “We chose WAY4 for its flexibility, modularity, and cost-efficiency.” Erman Suherman, Operation, IT & Innovation Director, Finnet
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    17 Expanding Your PaymentBusiness? E-commerce, POS, omni-channel switch, gateway and acquiring Omni-channel digital banking National switching and payment schemes Universal payment hub IPS switch 3-D Secure Gateway Dynamic Currency Conversion system Value-added services (prepaid, loyalty, wallets, etc.) Non-card alternative payment methods Open banking hub Instant Payments scheme All-in-one digital payments and banking platform All-in-One Flexible Solution • Omni-channel transaction switching and payment gateway software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition • Early bird innovation
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    18 In the eraof mobile commerce growth, it’s crucial to support omni-channel customer experience and ensure 365/24/7 availability. Support of the card and non-card alternative payment methods is a must.
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    19 WAY4 Switch SuccessStories • Finnet, the core of Indonesian payment ecosystem, serves and connects 60 banks and 20 billing companies using WAY4. After 150% revenue growth and 34% growth in transaction flow, Finnet decided to migrate 2 more switches to the WAY4 platform. • Borica, a major processor in Bulgaria, launched a digital transformation project on WAY4 to upgrade the card business of over 30 banks in the region • Bank Rakyat Indonesia, the largest microfinance institution in the world, expanded its ATM network on WAY4 from 3,000 to 18,000 terminals. • National Bank of Bangladesh interconnects 49 regional banks on WAY4 • 20+ white-label 3-D Secure e-commerce gateway projects have been launched for our clients in various regions. Why WAY4 Switch & E-Commerce Gateway • Significant cost reduction thanks to unprecedented platform configurability • Fast implementation, new payment method addition in 1-3 weeks and shorter time-to-market • Omni-channel services: POS, mPOS, EPOS, ATM, e-commerce, contactless and mobile in-app payments, chat bot, host-to-host • Acceptance of cards and alternative payment methods • Groovy-based scripts to support international, regional, and local protocols • Flexible transaction scenarios based on price, risk, geography and other parameters • 3-D Secure 2.1 MPI • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass, Alipay • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay, national payment schemes and PCI SSC (PA-DSS compliance) • Cross-border, multi-currency, multi-bank schemes • API, ISO 20022, ISO 8385, SEPA, SPDH, NDC+, Rest API • In-memory grid for tokenization
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    21 “SIX and OpenWayare leveraging their work together to design and implement a future- proof solution to enable SIX bank customers to select their own strategy in payments “ SIX Payment Services presentation at OpenWay Club forum “The new system not only gives Equity Bank a strong competitive advantage in cutting edge technology and card management, but allows speedy and efficient transaction process in real time, and in all currencies.” James Mwangi, CEO of Equity Bank of Kenya
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    22 Business models forYour Issuing Needs Prepaid, e-money and gift payment instruments, with cards and accounts shareable among family or friends Revolving and charge credit cards with limits and fees that depend on customer transaction activity Virtual and one-time cards for mobile and e-commerce Monetization of cardholder loyalty – personalized targeted cross-sales and up-sales Instalments generated automatically or selected at POS, e-commerce, mobile channels Customer-initiated transaction conversion into instalments Microfinance and micropayments, payday loans Remittances that are card-, account- and wallet-based Multi-currency cards and accounts Online, automated and scheduled payments and transfers from cards and accounts Corporate and fleet card issuing Value-added services based on currency conversion, personal finance assistant, data insight API monetization All-in-One Flexible Solution • All-in-one card issuing and account management platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch, on-site support • New features introduced one step ahead of the competition • Early bird innovation
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    23 Mobile Instalments onWAY4: look how it works from the customer’s perspective Scan to watch the video on instant instalments in mobile now goo.gl/VCu9Ko Sdasdsd
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    24 WAY4 Issuing SuccessStories • Equity Bank of Kenya runs its issuing and acquiring business on WAY4 for over 10,000,000 clients. • The largest retail bank in Eastern Europe uses WAY4 issuing and acquiring back-office and authorization switch for 200,000,000 credit and debit cards and 3,200 t.p.s. • SIX Payment Services, pan-European processing leader, migrated 38 banks to WAY4 in just 15 months. • Nets, top payment player in Nordics, serves issuing banks in three countries, with a client portfolio of 1,000,000 cards on WAY4. • Tsesnabank migrated to WAY4 from BPC’s SmartVista with goal to free staff “from routine procedures and have the time and ability to develop business.” Migration was done in the record time of only 4 months. • Leading fleet card companies use WAY4 for online fleet card, loyalty and level-3 data processing of 27,000,000 fuel and loyalty cards. • Network International, a top Middle Eastern processor, uses WAY4 to offer issuing, acquiring and switching services to 30 banks in MEA region. Why WAY4 Issuing • Any type of cards and accounts: revolving, instalment, charge, debit, prepaid, corporate, virtual, gift, fleet, microloans, e-money • Tokenization and m-commerce: QR, NFC (OEM Apple Pay, Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass • Instant issuing of plastic and virtual cards and secure paperless PIN delivery • Flexible online back-office and authentication for complete transaction lifecycle – from online customer and product onboarding, account opening, fees, commissions, events, counters and card personalization through authentication, payment/transfers, fraud prevention and dispute assistance to accounting, clearing and settlement, analytics and reporting • Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay and PCI SSC (PA-DSS compliance) • Issuing loyalty programs based on transaction data and customer profile • Cross-border, multi-currency, multi-bank schemes • Open Banking with rich API
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    26 1st digital-only bankB1NK in Central Asia attracted 100,000 new mobile clients in 12 months on WAY4. "We want to be as simple as jeans and a smartphone." Gani Uzbekov, CEO, B1NK
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    27 Looking for DigitalBanking Transformation? Omni-channel digital banking Branchless and agent digital banking Social network banking Personalized customer service beyond tiers and segmentation Mobile interfaces, channels and scenarios native for the new generation Digital customer journey: includes online customer onboarding, online account opening and card generation, online loyalty and coupons, online payments and transfers, personal finance assistance, and more Personalized offers and interactive banners based on data insight and customer profiling Automated configurable workflows Instant B2B and B2C payments and transfers All-in-One Flexible Solution • Omni-channel lifestyle banking software platform • White-label on-premise or cloud implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • New features introduced to stay one step ahead of the competition
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    28 Looking for adigital transformation? Stay one step ahead of your competition with the new generation lifestyle banking Scan to watch the video of WAY4 Lifestyle Banking solution now goo.gl/v1A8oo
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    29 Over 75% ofinternet users worldwide use messaging services on mobile devices. Banks can use WAY4 Messenger Banking to create a chat bot for Facebook, Telegram, WeChat, Viber and Line, and link it with any core banking and card processing system on the back-end. The chat bot autonomously communicates with users and provides them information about bank services. It can also manage customer cards and accounts, adjust security settings and make payments to friends and contacts.
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    30 WAY4 Success Stories •B1NK, the first digital bank in Central Asia, built its business on WAY4 in just 9 months and attracted 50,000 new clients during the first year. Several months later, the bank and OpenWay pleased the tech-savvy users with the region’s first bank bot. • AK Bars, a top 20 bank in Russia, runs its digital projects on WAY4. The bank launched the country’s first contactless wallet for an international, multi-sport competitive event. The guests used Watch2Pay – a wristwatch with linked renewable prepaid Mastercard cards – to tap and pay at thousands of local restaurants, gas stations and boutiques. Why WAY4 Digital Lifestyle Banking • Omni-channel: mobile, PC, chat bot, iWatch, API, agent banking • Variety of services: payments and transfers, loyalty, customer profile, utility services, bill presentment, online deposit opening, informational services, sales and cross- sales, personalized interactive banners, bill splitting, online card issuance, online applications, management of limits, currency exchange, personal targets, geo-services, gamification, etc. • Numerous payment instruments (accounts, cards, e-money and wallet accounts) and payment interfaces (in-app, QR, NFC, SMS, API) • Multiple e-wallet features: enrolment of cards and accounts of other banks, tokenization and contactless payments • Automated rule-driven workflows: application processing, risk management, disputes, customer segmentation • Various methods of customer authentication and payment confirmation • Personal finance assistant, transaction and customer analysis for proactive personalized service • Simple, convenient and configurable UI and scenarios • Online integration with any core banking, CMS and other systems • 24/7/365 availability and high performance
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    32 Create new revenuestreams 1. Monetise your customer base with open banking APIs, account access, more payments and value-added services 2. Quickly adapt your IT infrastructure to instant payments at minimum time & cost 3. Generate revenue on your own payment methods 4. Increase revenue streams with more payment and loyalty options 5. Become the preferred partner and intermediator for banks, PSPs, consumer finance and insurance companies, merchants and other payment players, and jointly promote online offers 6. Flexible rules for partners (pricing, risk, etc.) 7. Improve customer journey and increase profitability with personalized financial and shopping assistance 8. Attract successful startups and other partner with API’s, flexible pricing and high volumes capabilities Be complete • Unified platform for PSD2 hub, instant payments, e-commerce gateway, ATM/POS switch, wallets, CMS and digital banking • Online B2C and B2B services • Account data aggregation, customer profiling • PSD2 API directory service and ASPSP API support • Payment gateway (PISP) • Reconciliation: credit transfer and direct debit payment flows; SEPA • Merchant portal and API
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    33 WAY4 PSD2 Hubarchitecture
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    34 Be ready • 1-secondresponse for instant payments • PSD2 hub to play the roles of PISP, AISP, and ASPSP • Parallel request processing • Banking APIs Be secure • Online transaction risk analysis and RBA • SCA (strong customer authentication) with mobile-driven authentication SDK • Merchant TRA-driven tokens • PA-DSS compliance Be open • True 24/7 payment availability • Development portal • Analytics Be on time • White-label on-premise implementation • Comprehensive support from the vendor: joint business analysis, clear and concise requirements, customization, training – before, during and after launch • Agile development and delivery, on-site support • Feature growth one step ahead of the competition • Early bird innovation Be friendly • Improve customer journey and increase profit with personalized financial and shopping assistance • Seamless customer payment experience • Help your customer select the most beneficial payment method Be the leader Decide and implement open banking now with WAY4 PSD2 Hub.
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