Mobile Money

Demystified

Mobile Money Success Factors

• Instantly send and receive money

• Payment acceptance from anyone

• Receive payments right into your own

bank account

• Powerful, easy to use tools to get paid

• Easy to deploy, low costs, rapid time to market

• Bank maintains control of customer

relationship. Controls service branding,

messaging, and pricing to their customer

• Bank accounts as the anchor for mobile

transactions

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1. Pay with mobile, their #1 device2. Integrates with their online lifestyle3. Provides a method of payment for the underage / unbanked

1. Send money anytime to anyone with immediate availability2. Help control their spending with prepaid accounts3. Be paid or pay on occasional transactions 4. Conveniently send money abroad

1. Payment integrated in the online experience (games, networks)2. Enable transactions between peers3. Simple acceptance rules without overheads of traditional payments

1. Pay anyone or be paid by anyone without hassle2. Leverage both mobile and social networking sites.3. Improves liquidity (check replacement) and security (cash replacement)

Delivering Value to Customers

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Focused on What Consumers Want

• Get Paid

• Mobile P2P

• Family Money

• Transfer Money

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Web and Mobile Checkout

Get Paid

Request money

• Get paid tools: payment buttons, links and social network widgets.

• Easy to use.

• Card or ACH.

• Immediate receipt to bank account.

• Fee flexibility.

Anyone can receive a payment card or ACH into their own bank account

Get Paid Tools

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Mobile P2P

• Any phone: iPhone, Blackberry, Rich Clients, WAP, SMS.

• Available via web.

• Bank branded.

• Customers link a debit card or bank account to their mobile phone number.

• Pay anyone.

• Instant notification.

iPhone & Blackberry Apps

Mobile Internet

Text messaging

Send Receive Deposit

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• Account-to-account transfers

• Connected to existing debit networks, which enables instant transfers

• Instant

• No funding risk

Transfer Money

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Send money to loved ones quickly, easily and securely.

• Teenagers or Adult Dependants

• Personalized, prepaid card option

• Parental Control and Monitoring

• Scheduled Transfers

• Transaction History

Family Money

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Low-Cost & Rapid Entry Into Mobile Money

• Out of the box, configurable mobile money service- Bank-branded mobile and web applications

• Maximum mobile device coverage with established distribution through US carriers

- Smart phone (iPhone and Blackberry), SMS, WAP and full range of web apps

• Established connection to banks existing payment networks- ACH, debit network integration, MasterCard, MoneySend, or

Core integration

• Regulatory compliance- Money transfer licenses across US, PCI level 1 compliance,

FinCEN registered, multi-factor authentication per FFIEC guidance

• Marketing toolkits- Tailored marketing collateral to position value and drive

customer adoption Join us on www.linkedin.com/company/obopayCorporate Website

Thank You

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http://blog.obopay.com/

http://twitter.com/Obopay

www.facebook.com/ObopayMobilePayments