PayMobile Features Overview
PayMobile Features & Services Subscriber Beefits Immediate oboardig, coveiet ed-user experiece, stimulatio Aget Maagemet Beefits Structure your sales force, supervise, act, remuerate & retai Service Provider Beefits Easy & quick erolmet, AML/ CFT regulatio compliace, tax, fee & commissio Merchat / SME Beefits New paymet methods, loyalty programs, fiacial diary, salary disbursemet etc Ed-user Iterface Extesive portfolio of access chaels, ergoomic GUI Reliable & Ope Solutio Techically & futioally Ecoomical Operatio APIs, SDKs, HW agostic, Virtualisatio Iovatio Biometric recogitio, QR codes, blockchai, voice recogitio 2
Subscriber Beefits Immediate oboardig, coveiet ed-user experiece, stimulatio 3
Subscriber beefits Immediate o-boardig Register istataeously aywhere ad immediately use the system. Removig barriers ad facilitatig easy registratio helps subscribers get o-board ad usig the service faster. PayMobile offers subscribers the ability to register via: Self registratio At a aget Bulk registratio 4
Subscriber beefits Suitable Services Tailor your offerig to your market. Lauch with essetial services to build scale ad erich with ew offers as the market matures. Everyday eeds Cash-i, cash-out, domestic trasfer Fiacial services Loas, savigs ad isurace Everyday coveiet services Paymets, recharge Useful extras Prited vouchers, vouchers per SMS, direct recharge, ay amout, fixed amout (electroic recharge) 5
Subscriber beefits Coveiet ed-user experiece PayMobile facilitates a seamless ed-user experiece by accommodatig \features ad services such as: QR code paymet Proximity paymet with shortcode TSN to protect privacy 6
Subscriber beefits Boost the activity The right reward to the right target. Use a ituitive GUI to create promotioal campaigs rewardig targeted service usage. Rewards act as a icetive to push subscribers cosumptio. The reward campaig efficiecy ca be icreased with Apeiro Busiess Itelligece module. 7
Aget Maagemet Beefits Structure your sales force, supervise, act, remuerate ad retai 8
Aget maagemet Structure your sales force Maage your sales etwork by groupig agets, by gratig them specific rights ad by defiig specific commissios to them ad their maagers Sales group Exclusive group Fleet group Hierarchy 9
Aget maagemet supervise, act, remuerate ad retai Supervisio Rich, extesive real-time report to supervise the sales activity agets Actio The group maagers The service provider I case of issues, back office ca Support the failig aget Execute rollbacks Execute trasfers with the adjustmet trasactio Remuerate Real time commissio tool Custom commissio pla thaks to a rich set of parameters Loyalty programme Complemetary to the commissio pla Efficiet despite low ivestmet Flexible ad proactive, eable to lauch spotted actios 10
Service Provider Beefits Easy & quick erolmet, AML/CFT regulatio compliace, rich ad easy to use 11
Service Provider beefits Quick & easy erolmet Nomad KYC solutio Compatible with all iphoe ad Adroid smartphoes Erolmet by SMS or USSD Compliat with ay other iterfaces Prove reliability i hostile coutries such as Iraq or Somalia (eviromet & regulatio) Full compliace with AML/CFT regulatio KYC "the more you give, the more you get" profile limits oversight fraud maagemet with Apeiro Extesive KYC solutio Idetity forms are updated i real-time Solutio icludes attachmets, prit cotracts, biometry Maker/checker 12
Service Provider beefits Exhaustive suite of trasactios The PayMobile platform facilitates a exhaustive suite of trasactios caterig to all markets ad users: Attract customers by solvig populatio eeds with basic services Esure reveue with extesive paymet capabilities (the right flow for the right segmet) Icrease reveue by offerig fiacial services such as loas ad savigs High value / low volume paymets Bill paymets, School fees, Utility paymets Low value / high volume paymets Retail paymets, trasportatio 13
Fourisseur de service fees ad commissios Tax, fee & commissio The commissio is the amout paid to the aget withi the trasactio executio based o the trasactio amout. Icetive pla The icetive is the amout payed to the aget based o the reached sales objective over a defied period. Defie the right tax, fee ad commissio plas usig a extesive set of parameters Easy to use with a graphical GUI Payed i real-time Possible to pay commissios to the recuiter to esure erolmet level of quality ad the aget s maager Easy to use with a GUI Booster: differet percetages based o the passed sales objectives Fiely tued pla with a rich set of parameters Stimulatio SMS 14
Service Provider beefits Easy to operate The solutio is easy to operate ad cofigure Most features ca be cofigured by the service provider via a GUI such as profiles, limits Service provider ca create ew budles of products idepedetly via a GUI Maage the SMS otificatio cotet via a GUI Rich set of reports icludig Accoutig AML Sales etc 15
Service Provider beefits Busiess itelligece Better uderstad your service offerig with Apeiro s busiess itelligece module, Apeiro, is a comprehesive solutio that icludes segmetatio, machie learig, data aalytics ad reportig services. It ca be rapidly deployed ad easily evolve to adapt to a chagig ladscape. Take smart decisios Reveue assurace Push the right services to the right perso Esure quality of service to preserve service adoptio Segmetatio Machie Learig Data Aalytics Reportig 16
Merchat / SME Beefits New paymet methods, loyalty programs, fiacial diary, salary disbursemet etc 17
Merchat beefits New paymet methods Merchats ad compaies ca beefit from PayMobile by takig advatage of: New paymet methods: bill paymet, proximity paymet, web paymet Real-time paymets Extesive feature flows to adapt the right security level, techical complexity ad ed user experiece 18
Merchat beefits Additioal beefits Beefits for SMEs Beefits for Compaies Loyalty programmes Fiacial diary opeig door to fiacial services such as loas Ability to commuicate with ed users with SMS broadcast Salary disbursemet Cross-border paymet 19
Ed-user iterface Extesive portfolio of access chaels, ergoomic GUI 20
Ed-user iterface Offer the right access chael to the right populatio segmet Extesive portfolio of access chaels IVR, USSD, SMS, USSD meu browsig ad smartphoe apps Uified ed-user experiece across all mobile fiacial access chaels Ergoomic ed user iterface Coect ay custom access chael such as a kiosk with the API farm 21
Reliable & ope solutio Techically ad fuctioally 22
Reliable & ope solutio Techical Highly reliable ad ope solutio Built o SOA architecture Fiacial trasactio lifecycle eablig reliable recociliatio ad settlemet 35 years of experiece i itegratio icludig itegratio with cetral baks up to very demadig level such as Cetral Bak of Jorda Coectio egie icludes Store Ad Forward to adapt to low coectivity Fuctioal PayMobile esures the service is accessible via the wider paymet ladscape Iteroperable fiacial trasactios with other wallet providers ad baks Ability to offer a Compaio card Ca be accessed via ATMs 23
Ecoomical operatio APIs, SDKs, HW agostic, Virtualisatio 24
Ecoomical operatio PayMobile has bee optimised to cater to the eeds of service providers today ad tomorrow. Mobile moey ad electroic recharge covergece API farm to create ew services idepedetly SDK to create ew coectios idepedetly HW agostic Virtualisatio Idepedetly create/modify the USSD flows or eve create ew services usig a GUI 25
Iovatio Biometric recogitio, QR codes, Blockchai for trasactios, voice recogitio 26
Iovatio is built o a strog history of research ad developmet. We embrace iovatio at all levels of our busiess. Our techology is cotiually eriched with ew cocepts: Biometric recogitio for autheticatio (remove picode) ad flight fraud (cash-i use case) QR Code for feature phoes Blockchai for trasactios, settlemet ad KYC Embedded market place to offer exposure to your merchats Voice recogitio as a proof-of-life to trigger pesio disbursemet Smart applicatio without iteret coverage Tokeizatio to let subscribers easily coect their card or expose access to their accout to frieds ad family i a cotrolled maer 27
THANK YOU 28