finovatestudio solutions
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Mobile, Payments & Loyalty Platforms
June 2015
Powerful solutions to drive market
Our FinTech solutions
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E-money Payment System
Loyalty Platform
Mobile Wallet (mWallet)
We developed innovative solutions to give our partners opportunity forbusiness development without spending time.
Product and technical support worldwide.
Mobile Wallet “mWallet” platform
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See detailed presentation here
mWallet is a hardware and software platform, which turns smartphone into single customerWallet for:- Payments and transfers mPayments (p2p transfers, transfers between e-wallets and cards, payments tomerchants and billers, topping-up phone with any smartphone using e-money and cards Visa & MasterCardand using QR-code. Emulating a card (payment, transport & any other credentials) inside smartphone withAndroid 4.4 and pay offline with NFC and online as with usual payment card based on modern Host CardEmulation technology);- Personal finance management mFinance (accounts & cards management, opening deposits & applyingfor loans);- Mobile commerce mCommerce (for simple and secure purchasing in online and offline stores, paymentsacceptance for merchants using smartphone as mobile POS-terminal (QR, NFC), secured customer datatransfer for identification and logistic service);- Participation in loyalty programs mLoyalty (keeping loyalty cards, discounts, coupons in one place);- Telecom services management mTelco (reviewing personal account data, reviewing/changing thesubscription plan, reviewing data about communication services costs & payment history, account balance,new products/services application, promotions, account statistics);- Using as a transport cards mTransport.
mWallet Key Features
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See detailed presentation here
E-money Payment System (1/2)
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E-money based payment platform.
For end-users the instruments for paying for goods and services (restaurants, cinemas, shopping malls, online shopping, tickets, etc.) and also for instant p2p money transfers.
For retailers: efficient and easy-to-integrate tool for accepting online & offline and also mobile (iOS, Android) payments. Examples: www.rbkmoney.com/en, www.monexy.eu.
Deriving products/services/technologies:
- e-money,
- e-wallet for end users and for merchants,
- p2p transfers,
- pre-paid card (based on MasterCard, Visa) as an access tool for e-
wallet,
- mobile wallet for smartphones,
- for mobile operators – combination of user account and e-wallet.
See detailed presentation here
E-money Payment System (2/2)
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MONEY IN THE CLOUD
Payment Gateway
Modules
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PrePaid Credit Card Bank account
Loyalty E-wallet Payment/ Top up
OTP …
Web browser
NFC
iOS, Android
PoS
SMS/USSD
See detailed presentation here
Loyalty Platform (1/2)
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The platform for loyalty programs management. The system is based on remunerating thecustomers for action (purchasing the good or service) in the merchant’s point of sale or inthe network of the loyalty program participants. The remuneration is credited as a bonusto the customer account via e-money or points.
The platform can be used for the purposes of a specific retailer or for independentoperator to enter the market. The system is equipped with marketing communicationtools (text messages, email, social networks) and offers up-to-date methods for dataprocessing and reporting.
MerchantUSER
See detailed presentation here
Loyalty Platform (2/2)
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• Payment+loyalty card as an ID• Cash backs for end-users• Payback management• A variety for gamified marketing
instruments – prizes, points, bonuses, rewards, levels, ratings, etc.
For merchants:• Advertising management• Customer Profile Data Management• Email & SMS Marketing• Analytics and Reporting• Segmentation, clustering, RFM analysis
See detailed presentation here
FinovateStudio partner's Business experience
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15 years of successful experience in finance, banking and paymentstechnologies.
Set of technologies was created as business:- cash-in terminal network - was sold,- e-money system (now www.rbkmoney.com with 80 the merchants and 8 mio users) - wassold and now working in Russia, and www.monexy.ua is working in Ukraine, now 300 thsusers,- payments tools aggregator www.interkassa.com - was sold and now working in Russia andUkraine,- Loyalty system management platform - is starting in Ukraine as coalition loyalty systemwww.E-groshi.ua (two meanings in E-groshi: E-money and there's money),- new project is launching summer 2015 www.wpass.org.
Product development team
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Developers and support team:
- product consultancy and analytic team. Professionals who have fullknowledge of Finovatestudio solutions,
- R&D team in Ukraine and Chine,
- full technical support of Finovatestudio solutions.
Product development tools
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We are using only best technics. Quality of our solutions is confirmed byexisting businesses and many users.
Project Management Methodology: PMI, Agile, Waterfall.
Programming Languages/markups: C#, Java, С++, Delphi, JavaScript, PHP, HTML,CSS.
Databases: MS SQL Server, Oracle, MySQL, Firebird, PostgreSQL, Redis, MongoDB,CouchBase.
Frameworks/CMS: ServiceStack, Cordova, Backbone, SugarCRM, YII, MODX, Joomla,JasperServer.
Automation: GIT / TFS, Redmine, TeamCity , Selenium.
Hypervisor: Azure, Amazon, VMWare ESX/ESXi, XEN, Microsoft Hyper-V.
Languages: Chinese, English, Russian, Ukrainian, Polish.
Please contact us for more info:
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www.finovatestudio.com
www.mwallet.pro
www.m-processing.com
Our support offices:UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv
ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901
CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031
CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021
Inna Rumiantseva
Mikhail Miroshnichenko
Yuriy Chayka