Comprehensive end-to-end Solutions

Mobile Money & Mobile Financial Services

Feature-rich mobile financial services As mobile phone markets worldwide reach a new age of

maturity, operators and financial service providers need

forward thinking solutions which exceed their subscribers’

expectations.

The world of mobile money is rapidly evolving, building

on successful services such as airtime top up, recharge,

money transfer and bill payment to extend advanced

mobile financial services into any market.

eServGlobal’s PayMobile platform is an end-to-end

solution for mobile money and mobile financial services.

It offers the full spectrum of mobile wallet, mobile

commerce, recharge and agent management features.

In emerging markets, the option of a mobile wallet

provides subscribers with access to easy-to-use mobile

money services such as cash-in/cash-out, bill payment,

domestic money transfer, salary disbursement as well

as access to micro-finance services such as insurance,

savings and loans.

In more developed economies, mobile commerce

provides a convenient way to make purchases via

alternative payment methods, such as NFC contactless

or QR code payments.

eServGlobal’s comprehensive mobile money platform,

PayMobile, is an end-to-end solution, bridging the cash

world with the mobile financial services ecosystem.

PayMobile can be deployed in a closed loop configuration

where the service provider holds all the subscriber, agent

and merchant wallets or in an open loop configuration

integrating with the existing payment ecosystem, ATMs

and coupled with the service

provider branded prepaid

payment cards.

In an end-to-end open loop

solution PayMobile integrates with legacy payment

networks, enabling purchases directly from the mobile

wallet, using contactless NFC payment terminals or

existing legacy POS terminals through a linked plastic

card. The option to offer a card which links to the mobile

wallet allows for quick adoption of mobile money while

the payment infrastructure evolves to accept direct

mobile/contactless payments.

Key featuresPayMobile transactions

■ Cash-in/cash-out at agents and ATMs

■ Domestic (peer-to-peer) money transfer

■ money transfer through the HomeSend® hub

■ Payment at a merchant

■ Bill payment: postpaid, utilities

■ Companion prepaid card

■ Micro-finance: insurance, savings and loans

Mobile money subscriber and agent management

■ Subscriber registration

■ Agent & merchant registration

■ Know Your Customer (KYC) functions

■ PIN management

■ Agent & merchant network management

Customer care

■ Caller verification, PIN/Password resets

■ Lock/Unlock accounts

■ Refunds

■ Balance check

■ Transactions history

■ Actor information modifications: personal data, profile

Financial administration

■ Fees, taxes and commissions

■ Approval process for money declaration and retraction

in PayMobile as well as actor registration and domestic

money transfers

■ Reporting

Risk and fraud management

■ A one-time PIN mechanism is available and configurable

to secure the authentication of both the mobile money

subscribers and actors

■ Fraud monitoring of the actors’ authentication

■ AML and CFT limits rules on transactions and balances

■ Audit trail

Next generation deploymentsIn addition to a comprehensive range of mobile money

services, such as mobile wallet, merchant payments,

bill payments and airtime top-up, PayMobile embeds

advanced financial service capabilities to manage the

creation, distribution and support of insurance, savings

and loans products.

*: forecast

+5%remittances sent bymigrants to developingcountries in 2014, toreach US$436 billion 2010

333 373 392 404

In billions of dollar

436 473* 516*

2011 2012 2013 2014 2015 2016

International remittance & interoperabilityPayMobile natively interfaces with the HomeSend global

payments hub a joint venture of MasterCard, eServGlobal

and BICS. HomeSend is a market leading solution which

enables cross-border transfer between mobile money

accounts, payment cards, bank accounts or cash outlets

from anywhere in the world, regardless of the users location.

The combination of PayMobile’s

features with a HomeSend®

service contract provides

a solution for domestic interoperability between

mobile money deployments, enabling cross-operator

transactions to boost the growth of the mobile money

business.

7.2 billionmobile connectionsglobally, of which5.7 billion are indeveloping world

Mobilebanking

Developedmarket

Mobile Money in practice

Emergingmarket

Buy goods

Companioncard

Mr Joe

5132 2873

Internationalmoney transfer

NFC

Buy tickets

532441

532441

ADMIT

ONE

HOMESEND

QR Code

ATM

ATM/Kiosk

Smartphoneapps

App

Handset

Agent

Branchlessbanking

P2P/OTCtransfer

Pay merchant

Receivesalary

$$$

Micro finance

Cash-in/out

Transport pass

1

PARIS-

LONDON

MAR 27

-2014

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2

:::::

Pay bill

BILL

Redeem coupon

15%OFF

Rechargeairtime

Pay school fees

Growing number ofmobile money servicesin emerging markets

1638

64

116

179219

256

2008 2009 2010 2011 2012 2013 2014

An easy to use solution for any mobile devicePayMobile can be accessed from any handset with

solutions for both traditional handsets (via USSD, USSD

menu browser, SMS, STK) and the latest smart phones

including smartphone applications, QR codes and

contactless compliant devices (NFC).

Smartphone ApplicationeServGlobal has developed a smartphone application

which is available on iOS and Android. This application

has been designed for use by both the mobile money

subscribers and the agents to facilitate access to

the service (cash in/out, domestic money transfers,

payments, recharge prepaid accounts, check balances,

transactions history, actor registration).

Security & complianceeServGlobal has developed a smartphone application

which is available on iOS and Android. This application

has been designed for use by both the mobile money

subscribers and the agents to facilitate access to

the service (cash in/out, domestic money transfers,

payments, recharge prepaid accounts, check balances,

transactions history, actor registration).

■ Code protected transactions

■ Data encryption: STK, phone application

■ Web access over HTTPS

■ Limits on transactions by period/user

■ Transaction tracking & reporting

■ Blacklisting & fraud countermeasures

ReportingeServGlobal’s solution embeds reporting capabilities

to provide information on the agents’ global activity,

inventory and detailed delivery transactions. This solution

can be extended through an enhanced reporting module.

Software Oriented ArchitectureThe eServGlobal solution is based on a Software Oriented

Architecture (SOA) easing integration with different

external systems and offering a flexible environment to

develop the software.

Integration in the mobile money ecosystemeServGlobal’s solution can easily integrate within a

complete mobile money ecosystem including:

■ Merchant devices: POS, Kiosk. PayMobile exposes

secure API for these connections

■ Banking environment:

◆ ATM through the secure API or ISO8583

◆ Core Banking System via ISO8583 protocols

■ Telecommunication ecosystem

◆ SMPP to integrate SMS Gateway with

telecommunication operator SMS-C

◆ SS7 or SIGTRAN to integrate USSD Gateway with

telecommunication operator MSC/HLR

■ Websites via secure https connections

Where mobile moneyservices are(december 2013)

Europe and Central Asia1.4%

East Asia and Pacific11.5%

Latin America and The Caribbean13.3%

Middle East and North Africa6.0% South Asia

16.1%

Sub-Saharan Africa

51.7%

Innovation & experienceeServGlobal offers mobile money solutions which put

feature-rich services at the fingertips of users worldwide,

covering the full spectrum of mobile financial services,

mobile wallet, mobile commerce, recharge, promotions

and agent management.

For more than 30 years, eServGlobal has been a source

of innovation for telcos and financial institutions. Using

carrier-grade, next-generation technology, eServGlobal

aligns with the requirements of customers around the

globe.

Together with MasterCard and BICS, eServGlobal is a

joint venture partner of the HomeSend global payment

hub, enabling cross-border money transfer between

mobile wallets, cards, bank accounts or cash outlets from

anywhere in the world.

Contacting eServGlobalParis Headquarters

244, avenue Pierre Brossolette

92245 Malakoff Cedex, France

Web: www.eservglobal.com

Product enquiries

Phone: +33 1 46 12 58 85

Fax: +33 1 47 35 07 88

e-mail: info@eservglobal.com

Follow us @eservglobal

Blog: blog.eservglobal.com

eServGlobal holds ISO 9001:2008 certification for the development, support and maintenance of telecom software.

P a r i s

L o n d o n

G r e n o b l e

B r u s s e l s

B u c h a r e s t

C a i r o

D u b a i

N e w D e l h i

S i n g a p o r e

J a k a r t a

S y d n e y

Flexible serviceseServGlobal provides flexible service agreements to

ensure a quick ROI, while simultaneously delivering an

even faster time to market. eServGlobal provides high

availability, DRC 24x7 technical support services.

ScalabilityOur solution can adapt to all types of service providers,

from new companies that need low footprint solutions to

the substantial needs of global giants.