www.infobip.com

MOBILE PAYMENTSCentili micropayments platform

MWC, Barcelona

02 – 05 March, 2015

AGENDA

• About us

• Mobile payments overview and technologies

• Market segments and coverage

• Centili solution

• Business model and benefits

• Q&A

ABOUT

• Infobip is a leading provider of cloud mobile messaging and payments services worldwide

• Our mobile services create an ecosystem where everyone prospers - operators, enterprises, developers, and most importantly, mobile users.

• Proactive associate member of the GSMA, MMA and Mobey Forum

• Security certified:

OUR FACTS• 600+ employees,

• 34 offices worldwide

• 20+ bn billed transactions in 2014

• 150.000+ business accounts

• 190 countries covered

• 300+ operator partnerships

REFERENCES

And many more…

MOBILE PAYMENTS OVERVIEW

• Today, MORE THAN 7 BILLION MOBILE USERS have access to at least one

of the available mobile payments technologies: Premium Rate SMS,

Direct Mobile Billing, M-Wallets

Source: Wireless Intelligence

• Industry expectations are that

worldwide mobile payments will

grow by 60.8% to $ 47 bn

transactions through to 2015.

Source: Capgemini

• In 2016 the market will be

worth $ 617 bn. Source: Gartner

7 236 mil.

1 600 mil.

137 mil.

Source: Wireless Intelligence

MOBILE PAYMENTS OVERVIEW

mPAYMENTS TECHNOLOGIES

PREMIUM SMSThe user sends a Keyword to a short code and gets billed

DIRECT MOBILE BILLINGThe user is billed directly (if post-paid) or the amount is deducted from the airtime (if pre-paid)

mWALLETSAny denomination can be charged as long as the amount is available in the virtual wallet account

mPAYMENTS TECHNOLOGIES

WAP BILLINGThe user is directly billed when making purchases over a GPRS or 3G wireless connection

SCRATCH CARDSWith the code from the scratch card, end-user can pay for digital content or top-up mWallet

VIRTUAL CURRENCYElectronic money that acts as alternative currency used for online purchases

PAYMENT OPTIONS COMPARISON TABLE

• The combination between standard payment options and mobile

payments brings to the merchant the best possible monetisation

MOBILE PAYMENTS COVERAGE

MARKET SEGMENTS

CENTILI SOLUTION OVERVIEW

ONE-TIME PAYMENTS and SUBSCRIPTIONS for:

Web

Mobile phones and tablets

Android, Windows Phone apps (one-tap)

Thanks to a POWERFUL API, our solution

can be customised for any platform.

CENTILI SOLUTION OVERVIEW

CENTILI SOLUTION: PARTNER PANEL

The starting point and the OPERATIONAL TOOL

for every customer.

• Set up all your services (one-tap, subscription,

Android, Windows Phone, APIs) in a fast and user-

friendly way

• Check the commercial terms in every country,

every operator, every single price point and

adjust accordingly

• Check the transactions and your revenues in

every market and for every service in near-real time

• Export all that information for offline usage

CENTILI SOLUTION: WIDGET

• The widget is our standard monetisation tool

• Easily and quick set up and integration

• Automatically adapted to any device:

desktop, tablet, mobile

• Completely customisable,

it maximises the conversion rate

CENTILI SOLUTION: ANDROID & WP LIBRARIES

Our libraries provide easy, seamless integration for Android and

Windows Phone In-App payments.

• One-tap payment and subscriptions for Android and Windows Phone apps

• Import the library into the project and the payment process will be handled by the Centili platform

• No need to publish new versions of the app in case of changes to the service

• Available for various Android frameworks: Unity3D, Cordova (PhoneGap), Appcelerator Titanium, Xamarin, Sencha

CENTILI SOLUTION: API

• Centili Payment API gives you complete control and flexibility in defining the

payment process, covering all technologies available in one single integration.

• If needed, our integration team will assist our partners at every step.

• Ideal solution for independent developers, B2B partners, commercial clouds

and vertical market specialists.

SUBSCRIPTIONS

Automatic recurring billing enabling continuity in

payments. Great way to build a steady revenue stream.

TWO MODELS TO CHOSE FROM:

• Centili-managed subscriptions - automatic charges

in regular time intervals: daily, weekly, monthly, yearly

• Merchant-managed subscriptions - charging end-user

every time content is delivered

Available for web/mobile transactions, WAP, Android and

Windows Phone libraries, Payment API.

INTEGRATION AND SUPPORT

• Dedicated Account Manager

• Dedicated Integration Specialist

• 24/7 real-time support

• Real-time monitoring and alerting system

• Self-care portal for the end user to control payments at any time

BUSINESS MODEL

The best technology, coverage and pay-outs without any investment.

The Centili solution is based on revenue sharing business model.

• No set-up fee, no monthly fee, no minimum commitments

• Transparent information, no hidden costs

• Pure revenue sharing on generatedtransactions

• Immediate payments after mobileoperators collect and releasethe pay-out

• Possibility of advance payment

TAXES

MNO

CUSTOMER SHARE

CENTILI SHARE

BENEFITS

Opportunity to expand further, thanks to our global coverage

Great chance to promote business and drive app engagement with bundled packages (bulk SMS, SMS invites, push notifications)

In-house development and capability to deliver tailor-made solutions (both front-end and back-end)

No set-up fee, monthly fee or hidden costs, possibility of shorter pay-out cycle

Integration assistance and a dedicated Account Manager

24/7 real-time support plus the self-care portal for all your users

REACH US

NAME: name MOBILE: 0123456789

SKYPE: skype name E-MAIL: mail@mail.com

WEB: www.infobip.com - www.centili.com

THANK YOU FOR YOUR ATTENTION!