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INNOVATION FOR

FINANCIAL INCLUSION !

SYNERGETIC PARTNERSHIP WITH POST-OFFICES

CHALLENGES TO BE ADDRESSED!

Time to Re-Building the foundation for a bank that truly served everybody including the citizens not served by financial institutions and regardless their financial status!

Tackle Financial exclusion

Close the `financial gap` between Banking system and clients at the bottom of the pyramid (BOP)

Capture the “under-serviced” and unbanked segment of informal market which represent 80% of the economy

Virtual account & cashless financial platform: Creating single cashless financial platform spanning multiple payment

channels and authentication mechanisms, enabling payment transactions process with Speed, Affordability and High level of Security.

Mobile banking & High Value Added Services (VAS): Going beyond money transfer scheme by offering a complete mobile

banking system with high VAS : savings accounts; money transfer, micro-insurance, retail payment, utility bills payment, micro-credits, etc.

Our Basic approach

& Solutions

Convenience! You can transact Anywhere at Anytime!

Every channel represents a “PAYMENT INSTRUMENT”:

“Load, Transfer, Pay, Give or Retrieve Cash from”

Your PHONE! Your FINGER! Your CARD! Your VOICE!

Multiple Payment channels & Authentication mechanism

Technology & Payment instruments

Payment instruments

Mcard Payment •NFC

•Magstripe

•Chip

•Biometric

Point of Sales - NFC

- Fingerprint Biometrics

- Card magnetic stripe & smartcard

Tablets &

Smartphones

- NFC

- Fingerprint Biometrics

PARTNERSHIP MODEL: IVORY-COAST

VALUE-ADDED SERVICES

MobiWatt® Electricity Bills payment

MicroCash® Micro Lending, Credit, loans

MobiRemit® Domestic & International remitance

MobiBills® TV, Bills payment

MobiRisk® Mylife, Insurance coverage & Premium payment

MobiSend® Transfer & Receive money

MobiPayroll® Bulk payment salaries, grants, benefits

MobiAir® Airtime Top up

MobiPay® Merchand Payment

MobiTicket® Pay your public transport, stadiums ticketing

MobiKids® Educate & control your kids spendings

MobiStores ® Ecommercce

MobiLotto® Lottery & betting

MobiGift® Electronic gifts

MobiTax® Tax Collection System

MobiCoupon ® Vouchers % Loyalty programs

MobiGrant® Government, social grants

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Let us capitalize on these emerging technologies and standards and work to promote and support their implementation.

In doing so, we will surely be laying a solid foundation for poverty alleviation upon which the financial inclusion will be bridged!

Moving from Rhetoric to Reality through Cooperation!