mobile wallet features

August 2016

MobileWalletMobiPay knowshowtomakeyourbusiness

closertoyourcustomers

www.mobipay.uaSimpleandsecure

Whatismobilewallet?

MobileWallet isaservicethatallowsuserstomanagedigitizedvalues(offers,coupons,rewardswithinloyaltyprograms,ticketing,boardingpasses,giftcertificates,ID-cardsorinformationaboutproductsandservices)of

differentbrandsandmakesitpossibletomakepayments(withbankaccounts,bankcards,and

electronicmoney)


Mobilewalletfeatures

v Micropaymentsv Mobilecommerce

v Shoppingv Paymentstoserviceprovidersv Hotelsreservationand

paymentsv Entertainment

v E-ticketsv Urbantransportv Boardingticketsfortrains,

busesandplanesv Ticketsforevents

v Geolocation-basedoffersandservices

v Coupons,certificates,dealsandpromotions

v Loyaltyprogramsv Mobilestorev Moneytransfersv Personalinformationv Rewardsmanagementv Electronicprescriptions,etc.


Usingmobilewalletwithinpromotionalcampaigns

• Instantcustomercheck-ininplaceofpromotion(foroff-line)byscanningtheQR-code

• GettingrewardedonlinebysendingbonusestobonusaccountthroughscanningaQR-code(onthepackage,withinthepackage,incertainplacesonthetradingfloor,ontheleaflet,catalog,etc.)

• Recordingchancestoparticipateinprizedrawingsinbonuswallet(oneQRcodereading=onemorechancetoparticipateinthedrawing)

• Onlinepromocommunicationwithcustomersviasmartphonepush-notifications

• Communicatingwithcustomersviamessengerbuiltinthemobilewallet

Possibilitiesofusingmobilewalletforpromotion

• Targetaudienceincludesownersandactiveusersofsmartphones(shifttowardsyoungerandwealthieraudience)

• Betterresponsivenessduringpromotionalcampaigns(allpromomechanicsworksinrealtime)

• Historization (theentirehistoryofinteractionswithinthepromocampaignisstoredandavailableforviewing)

• Unlimitedpossibilitiesforgamification(visualization,usingfeaturesofpersonalaccount)

• Personalizationofpromo(contactdetailsandweb-basedprofileofallpromoparticipantsisavailableonline)

Advantagesofusingmobilewalletforpromotion


Mobilewalletisdesignedtomeettheneedsofthefollowingmarketsegments

v Banks,insurancecompaniesv Retailmerchants(stores)v Smallretailers(kiosks,markets)v Retailmanufacturersv Retailserviceprovidersv Cafes,bars,restaurantsv Fast-foodoutlets,coffeeshopsv Fuelstationsv Taxiservicesv Deliveryservicesv TVandRadiocompanies,holdingsv Politicalparties,tradeunionsandcivilsocietyorganizationsv Web-resourcesandonlinestoresv Organizersofexhibitions,fairs,festivalsandotherevents,closedorsemi-closedv Manufacturersanddistributorsofself-serviceterminals


Advantagesofmobilewallet(1/2)

q Convenienceq Quickpaymentsfor

purchasesq Benefitsarealwaysathandq Usefulreminders(for

example,aboutvalidityofacouponthatexpiressoon)

q Geolocationtriggersq Dataanalysis

Forend-users Formarketersq Goodtrafficgeneratoroff-

lineq Increasedconversionrates

(forcoupons,messages,etc.)q Abilitytoupdatecontentand

offersinrealtimeq Lessexpensivemarketing


Advantagesofmobilewallet(2/2)

Additionalearningsfromfinancialservices

Strengtheningthebrand–customerscontactyourbrandmorefrequentlywhileusing

thewallet’spaymentfunctionality

Reducingtheservicingtime

Growthofinnovationanddifferentiationfrom

competitorsthroughtheuseofuniquetechnologies

Increasedcustomerloyaltythroughtheintroductionormodernizationoftheloyalty

program

Growthinsalesofrelatedgoods

Forbusiness


Benefitsoftheprojectfortheowners

1) Extrarevenuesfromallfinancialtransactionsviamobilewallet(paymentstoserviceproviders,buyingtickets,andcard-to-cardtransfers).Agencyfeesupto0.5%

2) Savingtimeandtransactionalcoststhroughtheimplementationofself-service3) Increaseinqualityofcustomerserviceandloyaltybyprovidingpartnersand

customerswithmodernandconvenientcommunicationchannelandpaymentinstrument

4) Increaseinoverallsalesandprofitgrowthasaresultofsalesinonlinestore.Onlinesalesaredrivenbyquickandeasyonlineauthenticationviathemobileapplication,possibilityofcustomersegmentation,andcommunicationon-lineviatheapp,aswellasbyinstantonlinepaymentswithcardslinkedtomobilewallet.

5) Extraincomesfromlending.Agentfeespaidbybankscanbeupto7%ofgrossloansissued.Theroleofthewalletoperatoristogenerateleads(loanapplications).Inaddition,thepossibilityofbuyingininstallmentscanboostsalesintheretailnetworkaswellasonlinesales


Marketanalysis:drivers

Convenienceandaccessibilityoftechnology

Growingimportanceofvalue-addedservices

Security

Increasedlevel ofsmartphonepenetration

Growingcoverageandusageof3Gand4G


Marketanalysis:stoppers

Habitsandstereotypes M-walletdependencefromasmartphone

batterylevel

Walletdependenceon3Gand4Gcoverage

Marketing– isthisnotificationorspam?

Investmentsandissuesrelatedtothemarket

launch


Mobilewalletservices(1/4)

PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardbyreadingtheQR-code,generatedintheonlinestore,oranyexternalQR-code(onacheck,onaproduct,etc.)

Possibilityofquickauthorizationonthewebsite,check-inaretailstoreusingQR-codescanningwithsimultaneoustransferofinformationtoidentifytheclient

PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardbyreadingtheQR-codewithmobilephonebuilt-inscanner

PossibilitytopayforgoodsandserviceswithVisaandMastercard cards,linkedtoawallet,withoutthephysicalpresenceofplasticcardthroughreadingtheQR-codefromamobilephonebyscannerofanothermobilephone



Possibilitytomakearemotepre-orderinmobilewallet withcardpayment,followedbyavisittoastore,fastservicingprocedureandreceivingtheorder

Possibilitytoplaceanorderinmobilewallet withcardpayment,followedbyorderdeliverytotheaddressstoredinthecustomer’sweb-passport

Abilitytoself-serviceinastore,whenacustomerhimselfscansbarcodesofthegoodsusinghismobilephoneandpayswithabankcardlinkedtohismobilewallet

Possibilitytosubmitane-ticketatevents,exhibitions,fairs,tradeshowsandconcertswithoptiontowithdrawadmissionfee(ticketcost)fromthecardconnectedtocustomer’smobilewallet



Possibilitytosubmitadigitalloyaltycard fromthecellphonescreen;abilitytoaccrueandwriteoffbonusesortheiranalogues(dedicatedbonusaccount(bonuswallet)linkedtoacustomer’smobilewallet)

Possibilitytomakecard-to-cardmoneytransfers with mobilewalletwithoutenteringcarddetails(usingrecipient’sphonenumberfromacontactlistiflinkedcardsareavailable)

Thepossibilityofbuyingtraintickets(withacompletechoiceoffeatures)withpaymentbyacardlinkedtoamobilewallet

Possibilitytopayinfavorofserviceproviders(refillingmobileaccount,utilitypayments,paymentsforTV,internet,etc.)



Possibilityofapplyingforaloan.Incasetheapplicationisapproved,theloanfundscanbedepositeddirectlyonthecard,whichislinkedtomobilewallet.

Possibilitytolookuptheneareststorewithgeolocationservice.Acustomerseesthedistancetotheneareststoreanditsoperationhours

Possibilityofpersonalizedcommunicationwithcustomerson-lineinthewalletmessenger,aswellasabilitytosendpushnotifications(bothservicingandpromotional)

Digitizationofexistingloyaltycards,developingandlaunchinganewloyaltyprogram


Howitworks (registration)(1/4)

AclientdownloadstheappfromGooglePlayorAppStore,registershiswalletandsetsthePIN-codeforquickandeasylogin1

Yourbrand

Yourbrand

Yourbrand


Howitworks(registration)(2/4)

Themainmenuconsistsofwidgetsthatareconfiguredtotheneedsoftheclientbyhimself2

Yourbrand Yourbrand



EachwallethasauniquecustomerIDandcontainsaWEB-passportwiththerequiredpersonaldata3



Thecustomersentersthe"MyCards"sectionandaddshisownpaymentcardsbyenteringcarddetails4


Howitworks(additionalservices)(1/4)

Awalletownercanapplyforaconsumerloanrightfromtheirwalletmobileapplication.Iftheapplicationisapproved,thecustomergetsmoneyrighttohiscard1



P2Ptransferscanbedonebyselectingarecipientfromthecontactlist,orbyenteringtherecipient'scardnumber6


Howitworks(additionalservices) (3/4)

Customerscanpayinfavoroflargenumberofserviceprovidersrightfrommobilewallet,usingthepaymentcardstheyhavelinkedtothewallet7



Thecustomerscanbuytrainticketswiththechoiceofaparticularseatinthecarofthetrain8


Additionalfeatures:NFC

ConvenientandsecuredatastorageandsecurecontactlesspaymentsavailableonmobiledevicesNEW

mWallet NFC platform:Ismadetoreplaceplasticcardswiththeirdigitalanalogues,InlinewiththeEMVCo tokenizationspecificationsandVisa&MasterCard.IsbasedontheHSE(HostCardEmulation)technology(supportedbyAndroidOS).NFCCardemulationmodeenablesNFC-enableddevicessuchassmartphonestoactlikesmartcards,allowinguserstoperformtransactionssuchaspaymentorticketing.NFCcanbewelladaptedforallkindsofsituations,successfullyreplacingbankcards,transitpasses,movietickets,rewardsystemsandevenkeysStoringpaymentinformationinmWallet appprovidesasaferenvironmentthanaphysicalwallet.Thistechnologyallowsthecustomertoloadmultiplecardsandchoosewhichonetheywishtouseforeachtransaction.Notonlydoesthissavetime,butitalsoreducesthechancesoflosingapaymentcardthatcomeswithcarryingmultiplecardsaround


Additionalfeatures:MasterPass

Download Mobile Walletfrom AppStore or Play Market on your device

Add your payment cards andcomplete your profile

Click the “Buy withMasterPass” and open Mobile Wallet on yourdevice

Scan the QR code on themerchant’s website and select your payment card

Secure shopping is guaranteed

One-Click Connection is the unique solution from MasterCard and MasterPass that isused only in Ukraine and Turkey


Instantservicinginacomfortofacar:fuelingthecar

Customercase#1 (forfuelstations)

ScanaQR-codeatthegasstation,withoutleavingyourcar1

Selectthefuelbrandandindicatequantityinthemobapp2

Confirmthecalculatedamount3

Paywiththecardlinkedtoyourmobilewallet4

Getbonusesonthebonusaccount5

Waitforthetanktobefilledwithfuel6


Savetimeandmoney:purchasingfuel*rightinyourmobileapp

Customercase#2(forfuelstations)

Selectfuelbrand1

Indicatequantity2

Confirmthecalculatedamountwithadiscountdependingonvolume3


Getliterstoyour"accountinliters"5

Writeofflitersfromyouraccountatthenextrefueling6*Thesamepatterncanbeappliedtothewholesalepurchaseofgoodsandservices(coffeecups,carwashing,etc.)


Savetimebyusingpre-orderen route,beforevisitingapharmacy,fastfood,etc.

Customercase#3

Makeyourorderinproductcatalogdirectlyfromtheapplication1


Confirmthetimeforvisitingastore3

CheckinthestoreonarrivalbyscanningaQRcode4

Getyourorder5


Customercase# 4(formanufacturers)

EachpackofpotatochipscontainsauniqueQR-code.Whenacustomerscansit,shegetsacertainamountofcashbacktoherwallet asarewardforthepurchase.Thisso-calleddirectloyaltyprogrambythemanufacturer.Intheirturn,themanufacturerreceivesthecustomer’sdatafromherWEB-passport,necessaryforanalysisofpromo-campaignperformance.Inthiscase,thesecanbegender,ageandaddress.

Thecustomercanusetheaccumulatedcashbackamountatherdiscretion.Forexample,themoneycanbewithdrawnfromthewallettoabankcard.Also,themoneycanbeasourceforrefillingmobileaccount,forbuyinge-ticketorforpayingutilitybills.Bonusescanbepaidtoacustomerinsteadofrealmoney.Theebonusesmaybeconverted,forexample,intospecialgiftsfromthemanufacturer,intosouvenirsorrealgoods.Inaddition,anygamemechanicscanbebuiltinthebonuscalculationlogic.


Customercase# 5(IncentivesforwatchingcommercialsonTV)

Asapartofatelevisionadvertisingcampaign,theadvertiseroffersacashbonusorotherformofrewardtoanyonewhowatchesthisinfomercialandscansthetemporaryQR-codewhichappearsonthescreenduringthebroadcast.

Thecodeisuniqueforeachdisplay,anditslifetimeislimitedtoacoupleofseconds. ThetotalrewardfundisfixedanditisdistributedequallyamongthosewhoscannedQR-code.InformationtransferfromWEB-passportandwaysofusingaccumulatedrewardsandbonusesaresimilartoCase#1.


Customercase# 6(Showcasecatalogonthewallsofsubwaystations)

Acatalogofpromotionalproductsofnearbysupermarketcanbeshowcasedonthewallsofsubwaystation.EachitemhasitsuniqueQRcode.Acustomerscansthecodesandsimultaneouslypaysforselecteditems.Deliveryaddressistransferredautomaticallyfromthecustomer’sWEB-passporttoadeliveryservice,andthepurchaseissentdirectlytothehome

Thecustomerleavesthesubwayandgoeshome,passingthesupermarketand,thus,savingtime.Asthecustomercomeshome,deliveryservicedeliversthepurchasedgoods.Eachpurchasebringsbonusestothecustomer.Thesebonusescanbeusedasapaymentatthenextshoppingtime.


Customercase# 7(HuntingforQRcodesinretailoutlets)

Asapartofthepromotionalcampaign,aproducerofaparticularbrandoramerchantprovidesvaluablegiftsorcashprizestothosewhoscanQR-codes.QR-codescanbeplacedinnewlocations,andthecustomersshouldlocatethemonshelvesofastore. QRcodecanbeone-timeandexpirewhilescannedonce.

QR-codescanbeplacedatpromoters;andpromotionmechanicscanbebasedondrawing.Thistechnologyallowstocollectdataabouteveryonewhotookpartinthepromotionandalsotoensureseamlessdeliveryofgiftsandprizestoallthewinnerswithoutdanglerassociatedwithcollectingandenteringinformationabouttherecipientanddeliveryaddress.


Customercase# 8(Aproductcatalogthatsells)

AproductcatalogcontainsauniqueQR-codenexttoeachitem.ThiscodeallowsaclienttousetheirmobilewallettoorderthegoodsandtopaywithVisaorMasterCardcard,linkedtothewallet,inonlyafewclicks.Simultaneouslywiththepaymentforthegoods,thebonusesareaccruedtothebuyer’saccount;thesebonusescanbespentatthenextpurchase.

DuetotheuniquetechnologyofWEB-passport,thecatalogownerwillgetnotonlynewordersandsalesincrease,butalsothecustomerdetailsincludingtheircontactdataaswellaspre-definedsetofclientparameters.


Customercase# 9(Livevotingandpayments)

YoucanvoteforselectedtalentshowparticipantnotonlybycallingortextmessagingbutalsobyscanningaQRcodefromaTVscreen.ThemoneywillbewrittenoffyourVisaorMasterCardcardlinkedtoyourwallet.

UnlikeSMSorcall,ourtechnologyallowsustodifferentiatepayment- aninfinitenumberofvariouscostoptions.Inaddition,thecustomervotingthroughWEB-passporttechnologycangatherinformationabouttheaudiencewhovotes.Thesamemechanicscanbeappliedtoanyquizzes,contests,activitiesimplyinglivepayments.

August 2016

VladimirBudanovSalesandMarketingDirector

Kiev,UkraineEmail:[email protected]

+380.67.578.06.14https://www.linkedin.com/in/volodymyrbudanov

MikhailMiroshnichenkoCo-FounderKiev,Ukraine

Email:[email protected]+38.068.331.95.03

http://ua.linkedin.com/in/michaelmir/

Thankyouforattention!

Pleasecontactusformoreinformation