Sybase365 + paybox = mCommerceShaun Campbell – Business Development Director Sub Saharan Africa

Snap Shot – sub-Saharan AfricaJune 2009

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Why Sybase & Paybox ?

+ =The leading mCommerce Solution

+

§World’s largest mobile messaging and content delivery platform delivery more than 120 billion messages per year

§ Unparalleled breadth and depth of in over 700+ carrier relationships

§ Leading R&D efforts in carrier mobility

§ Leader in mBanking application and services

§ Leading data management, analysis and integration capabilities

§ Proven track record with integrating banking services + protecting data for FSI globally

§Over 4,500 employees in 60 Countries

§ >$1B revenue & profitable

§ Leading provider of mPayment solutions in prepaid, P2P transfers/remittance, micro payments solutions targeted at Mobile Operator and FSI

§ Live customers deployments in mature and emerging markets

§ Hosted, License and transaction based model

§ Leading R&D efforts in mCommerce solutions

§ Leading provider of mCommerce solutions to Mobile Operators and FSI globally

§ Solidly positioned as the key intermediary between Mobile Operators and FSI to growth mCommerce

§ International presence via 60 offices across the world

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GLOBAL REACH – REACHING MORE THAN 200 FINANCIAL INSTITUTIONS AND 700 OPERATORS

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mCommerce adds value to all players in the ecosystem but barriers exist ..

Loyalty

Cooperation

Business models

Technology Adoption

Economy

Merchant

Consumer

§ Saves time§ Eliminates the hassle of

handling cash§ Gains flexibility with one

interface for many payment options

§ Has enhanced security

§ Gains revenues from:§ Faster processing§ Spending lift§ Mobile couponing

§ Reduces need for cash§ Increases customer loyalty§ Drives merchant card usage

Mobile Operators

Banks and Card Networks

§ Reach new markets§ Increase transactions§ Lower costs§ Leverage fraud mitigation

and compliance processes§ Build customer loyalty and

stickiness

§ Deepen customer relationships

§ Gain new revenue streams from processing and billing

§ Have opportunity to disintermediate banks

$

Source: The Tower Group, Inc. 2008

The market requires trusted and proven leaders to take mCommerce forward

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Sybase365: global leader in mCommerce

mCommerce

mBanking mPayments mRemittance

End-to-EndSolution

Customer Success

Global Reach

Business ConsultingSupport for all Mobile ChannelsIntegrated Mobile Marketing

Embedded Business Intelligence

InteroperabilityGlobal Messaging

Global Data Roaming

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End-to-End - Need for an integrated mCommerce solution

§Account balances§Transaction History§Account details §Card Management§PIN Management§Complaints Management§Notifications/alerts to receive account activity or threshold alerts§User preferences such as languages or limits§…

§Wallet management with multiple sources of funds §Topup of any prepaid phone directly or via vouchers §Remote and proximity enabled purchases at any merchant acceptance point§Money Transfer to known or unknown consumers§Bill payments and §Loans repayments §(Microfinance)§…

§Manage a Friends-and-Family-Lists§Buy a remittance voucher online, at an agent or in any retail location, §Money transfer from an agent, a wallet or account. §Remittance to an agent, a wallet or into an account §ATM cash-outs w/o a card. §Airtime Transfer across borders. §…

mBanking mPayments andmTopup mRemittance

Evolution of Requirements

Cost Savings New Services New Value

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Customer Success - Implement mobile communities around “low-value, high-frequency” propositions

Communities

BillPayments TopUp

Mobile Content

Mob. Re-mittance

Loans

Banking

DeveloppedMarkets

EmergingMarkets

MobilePayments

SelfTopUp

Mobile Content

,,,

MobileBanking

Mob Re-mittance

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What do CGAP say about mCommerce models?

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M-commerce Service examples

•m-FI• MFI / SACCO / Bank• m-Banking, m-Cash-In/Out• MFI/SACCO Loan repayments• Alerts• Accounts On The Street

•Business• SME/B2B trading & settlement• SME hosted Accounting• Salaries, Pensions, Benefits

•m-Insurance & Medical• micro payments• Alerts

•Transfers• P2P• Agent 2 Agent Transfer (e.g. Post Office)• B2B

•Payments• Airtime self top-up• Merchant payments• Utility payments (Water, Electricity, Gas)• School finances & payments• Churches• Hospitals, Pharmacies• Ticketing• Lottery• Farmers, Fishermen, Coops• Corporate deliveries

•Disbursements • Salaries, Welfare, Pensions, NGO

•Government Collections• Income Tax, Corporation Tax, VAT,

Car/Road Tax, TV licence, National Pension Schemes, Council / Municipality Tax

•International Remittance

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Core Banking The Unbanked Services

10

Banking The Unbanked – Core Services

Direct by User

Recharge&

Remittance

Bill Present &

PayM-Banking

Transfer & Account Credit

via Agent

Recharge &

RemittanceBill

PaymentTransfer Funds

Load &

Unload Funds

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Funds Management

Location of Stored Funds:

•Stored Value Accounts (SVA)•Linked MFI Accounts•Linked Bank Accounts

•Funds security•Trustee Accounts at partner bank•Pre-funded agents

Cash-In/Out Points:

•Street Agents•Merchant Agents

•shops, fuel stations, bars, restaurants

•Post Offices•MFI/Bank Agents/Branches•Insurance Agents•Schools•Cardless ATM•Scratch Cards (cash-in)•Payment cards / Debit cards

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Source of Funds

12

Source Of Funds

Unbanked

• Virtual Account• Stored Value Account• Auto-Open Account

Semi banked

• Micro Finance debit account• Stored Value Account• Limited Bank Account

Fully Banked

• Full Bank account• Debit/Credit Card

Hierarchy of ‘Banked’ status§ Unverified

§ No KYC§ Basic ID§ Tight transaction count &

value limits§ Partial Authentication

§ Partial KYC§ Verified ID§ Higher transaction limits

§ Full Authentication

§ Full KYC§ Normal banked limits

Auto-Account opening on a P2P transferIntention to move customers from Unbanked to Fully Banked statusApplies to Merchants & Subscribers

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paybox independent m-commerce projects in Africa – Trading Footprint

under construction

•Agnostic, MNO & Bank independent

•Initiatives designed to cover economic regions

•Interconnection of trade (remittances)

•Common platform

•Shared strategies and products

•Joint marketing

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mCommerce with Sybase 365 in a nutshell

§ live mCommerce deployments with more than 15 million end consumers and 20,000 merchants.

§ Interoperability between mobile payment networks with established industry reference points;

§ Global leader in mobile messaging services delivering 200+ Billion messages a year with reach to more than 2.7 billion mobile subscribers

§ Customers include more than 200 leading financial institutions, and more than 700 operators worldwide.

§ Complying with industry standards including ISO 9001, Payment Card Industry (PCI),

§ Certified by the GSM-Association as an official GSMA Mobile Money Vendor.

§ Wholly owned subsidiary of Sybase, Inc., (NYSE: SY); with revenues in excess of US$1.1 billion and over 4,500 employees in 60 Countries.

Why Sybasecan leadmCommerce

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Summary

• Extensive global “Reach and Range” in mobile services

• The most complete solution in the mCommerce market todaySybase Inc. has been ranked at the top of the latest non-NFC mobile commerce Vendor Matrix released by ABI Research

“Sybase, through its acquisition of mobile commerce pioneer Paybox, has the most successful program today,” he said. “That experience, combined with Sybase’s strong MNO relationships, earns them top ranking.”May 19, 2009, ABI Research

• Extensive Banking-the-Unbanked focus for the African market

• Pan-African project footprints in place

• Considerable solution design & delivery capabilities and experience

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Contact Details

Shaun CampbellDirector, Business Development, Sub-Saharan Africa - mCommerce

Email: shaun.campbell@sybase.com

Phone: +254 71 302 6346