Mistral Mobile - Money Mobility Suite: m-Agent for agent banking and agent-based payment services

MONEY MOBILITY SUITE™:
M-AGENT™
INTRODUCTION

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INFORMATION CONTAINED HEREIN IS CONFIDENTIAL AND MAY CONTAIN TRADE SECRETS. UNAUTHORIZED USE IS STRICTLY PROHIBITED. © MISTRAL MOBILE 2013
MISTRAL MOBILE POWERS
FINANCIAL SERVICE PROVIDERS
TO REACH EVERYONE

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MOBILE PHONE SOLUTIONS FOR THE
UNIQUE NEEDS OF FINANCIAL SERVICES
Mobile phone front-end
applications and
interfaces to drive
financial services usage
MONEY
MOBILITY
GATEWAY™
FINANCIAL
SERVICES
PROVIDER

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ANY PHONE: SHINY NEW SMARTPHONE TO 5 YEARS
OLD, MISTRAL MANAGES THE COMPLEXITY
BASIC PHONES
SMARTPHONES & TABLETS
FEATURE PHONES

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ALL YOUR CUSTOMER’S MOBILE DEVICES
CONNECTED TO YOUR TRANSACTION PLATFORM
MONEY MOBILITY SUITE™
YOUR BRAND
YOUR FEATURESAGENTS
CONSUMERS
RETAILERS
YOUR CUSTOMERS TRANSACTION
PROCESSING
PLATFORM
E.g., core-banking system,
stored-value account
platform, card processing

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MONEY MOBILITY SUITETM
ANY MOBILE OPERATOR:
No SIM card or USSD
control point on your
business
INDEPENDENCE FROM MOBILE OPERATORS
NO PARTNERSHIP OR COMMERCIAL AGREEMENTS REQUIRED

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ANY CONNECTION: WITH OR WITHOUT DATA SERVICE,
MISTRAL TRANSMITS THE TRANSACTION
MONEY MOBILITY SUITE™
WITHOUT
DATA
SERVICE
WITH
DATA
SERVICE

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BEAT YOUR COMPETITION TO MARKET
UPDATE YOUR FEATURES INSTANTLY, WITHOUT COSTLY CHANGE REQUESTS
MONEY MOBILITY SUITETM
ADMINISTRATION CONSOLE ADD NEW
BILLERS
REMOVE FEATURE
DUE TO CHANGE IN
REGULATION
ADD NEW KYC
REQUIREMENT
ADD NEW
LANGUAGE
INSTANT UPDATES:
Push updates to all or
selected users, even
without data service. All
done without a change
request to Mistral.

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EASY, FAST AND COST-EFFICIENT
MOBILE FRONT-END CHANGES
Mobile application use-
cases are created in the
Gateway Admin Tool
1
Required
functionalities
selected from a
list. New forms
created in the
forms tab.
New solution
available for users
immediately after
publishing
2 3

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ADDITIONAL DERIVATIVE FUNCTIONS
EASILY CREATED BY YOUR TEAM
1. Select Platform API =
‘Pay Ad-Hoc Bill’
2. Create new Feature
name = ‘Pay DSTV’
3. The required fields
are provided
4. Select Field Type,
Screen Number,
Position on screen
and Data Policy for
each API Parameter
No change request, by your own employees, available to users in minutes

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
CONFIGURABILITY IN PRACTICE
ADDING NEW FEATURE TO THE USERS
TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
Michael is a customer of The Bank
and uses their mobile services.
The Bank has updated their mobile
financial service offering to include
savings accounts.
Product manager is configuring the
new feature with the Gateway
Administration Console™…
…and publishes it to all of their
customers’ mobile applications.
Michael receives a notification that a
new feature is available…
…and is able to use the new feature
immediately!
Let’s launch
our savings
product!

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BENEFITS OF CONFIGURABILITY
DEPLOY
ONCE, UPDATE
ENDLESSLY
UPDATES TO ALL OR TO A
SEGMENT ONLY
REDUCING COSTS WITH
APPLICATIONS
ALL APPLICATIONS
REMOTELY CONFIGURABLE
Using either encrypted SMS as a bearer or IP if available;
no user action required for updates
New features delivered in minutes to entire fleet; allowing
rapid response to shifting regulation and new market needs
Issuer-, Product-, User Segment- or Feature-specific
updates allowing personalization of features by service
provider’s defined user categories
Reduces R&D resource requirements for application
maintenance and updates as well as customer service costs

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BY FOCUSING ONLY ON FINANCIAL SERVICES FRONT-END,
MISTRAL PROVIDES THE BEST MOBILE SOLUTIONS
Traditional options Mistral Mobile
Appli-
cations
USSD
SIM
toolkit
Unsecure
SMS
Native
Applications
Voice-Based
Market reach
Mistral has native applications for
wider set of platforms, critically
including Java, the most common in
the India market
Anywhere
connectivity
Mistral functions with or without a
data network. Critical to working in
rural areas.
In-house
configurability
Mistral products give you control for
fast market launches and reduced
Change Request cost
Security
Mistral security solution goes beyond
standard requirements with its unique
key model for each transaction and
easy changeable key size
User Experience
Mistral benefits from decades of
mobile design expertise given Nokia
history
Updatable
Mistral enables instant and remote
application updates without a user
action..
System load Mistral reduces non-financial trnx
Mobile operator
independent
Mistral solutions are independent of
mobile operators

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MONEY MOBILITY SUITETM COMPONENTS TO
GROW AND INNOVATE WITH YOUR BUSINESS
End-Users
Solution
Devices
Supported
Platforms
Money Mobility SuiteTM
Smart-
phones
Tablets
Feature
Phones
Voice-only
Phones
M-POS
Smart-
phones
M-POS
Feature
Phones
M-POS
Tablets*
Data access No data access SMS + voice access
Access
Channel
m-ConsumerTM m-AgentTM m-RetailerTM
Gateway
User Feature
Management
Adapter to 3rd Party
Transaction System
Transaction Security
Management
Transaction
Routing
Interfaces
*: 4Q13
1: On request
Android Java
Black-
Berry
iOS*
Windows
Mobile*
Mobile
& PC
Browser*
USSD1
Applica-
tion
SMS-IVR Web*
Receipt
Printer*
Payment
Card
Reader*
NFC
Reader*
Finger-
print
Reader*
USSD1

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MONEY MOBILITY SUITE™:
M-AGENTTM
Picture: Legos

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MISTRAL M-AGENTTMTraditional approaches
MISTRAL M-AGENTTM ENABLES
BILLIONS OF PHONES TO BE AGENT TOOLS
• Capital expenditure for POS
terminals and PCs high
• Connectivity limitations due to
mobile data and internet
requirements
• Custom application
development and
maintenance on POS terminals
expensive
 No need for HW investments on PCs or
POS terminals
 No constraints on mobile data
availability
 Full remote feature management to
maintaing services available through
different group of agents

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AGENTS ENABLED TO HANDLE ALL
CUSTOMER SERVICING WITH MOBILE DEVICES
 Account opening with KYC data
and photo capture support
 Cash deposits and withdrawals
 Bill payments
 Payment of salaries
 Local money transfers
 Balance inquiries
 Loan dispursements and
repayments
 Etc…

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M-AGENT™ ADVANTAGES
Low-Cost Agent Network Growth
Agent equipment capital and operating costs are
reduced through the use of the Agent’s existing
mobile device.
Deploy Once, Manage Remotely
All transaction features are fully remotely
configurable with your Administrator tool.
Supports Any Type of Agents
From small shops and banking agents to
microfinance agents.
Enables Any Transaction Type
Customer registration with KYC data capture and
photo captures; deposits and withdrawals; over-
the-counter e-commerce sales such as air-time
top-up and bill payments.
Constant Access for Agents
Agents can always transact with or without
a data connection or even when offline.
Independent Access to Agents
Any mobile operator SIM can be used,
meaning no reliance on service agreements
or USSD session time-out challenges.

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
Michael wants to register for m-
money services at George’s location
Michael provides his information,
and George asks for an ID
George uses his m-Agent™ app and
phone camera to take a picture of the ID
After registeration, Michael also
makes an initial cash deposit
George completes registration with
his m-Agent™ app that works
seamlessly on his existing mobile
Michael gets confirmation of account
activation and can start using m-
money services immediately!
AGENT SERVICES:
REGISTERATION

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AGENT SERVICES:
REGISTERATION WITH PHOTO OF CONSUMER
money services at George’s
location, and provides him with his
information
As a part of registration, George uses
his m-Agent™ app and phone camera to
take a picture of the ID
George takes photo of Michael as
well
After registeration, Michael makes
an initial deposit
George completes registration with
his m-Agent™ app that works
activation and can start using the m-
money service immediately!

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
money services at George’s location,
but doesn’t have a national ID
George uses his m-Agent™ app with
finger add-on that simply plugs into his
mobile
George scans Michael’s fingerprint—
it’s easy and quick using his m-
Agent™ biometric solution
After registeration, Michael makes
an initial deposit
George completes registration with his
m-Agent™ app that works seamlessly on
his existing mobile
activation and can start using the m-
money service immediately!
AGENT SERVICES:
REGISTERATION WITH BIOMETRIC ID

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
Michael walks into George’s agent
location to pay a bill
George likes using the Mistral m-
Agent™ app because it works
George handles the bill payment on
his m-Agent™ app using simple-to-
use menus and drop-down boxes
Michael hands over cash to George
in the amount of the bill, plus fees
George confirms the cash received
and completes the bill payment
Michael receives an SMS receipt in a
matter of seconds
AGENT SERVICES:
OTC BILLPAY
Payment
receipt:
Electrical
company
50 cu

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICEMicrofinance agent Lucius goes to
visit his customer John, who needs a
sizeable loan
Lucius handles all loans using
Mistral’s m-Agent™ app that works
Lucius messages HQ to confirm the
loan can be disbursed, and receives
confirmation to proceed
Lucius uses his m-Agent™ app to
confirm John’s loan amount and
details, which is relayed to HQ
The processing takes a matter of
minutes, and John is delighted to
receive his loan
Lucius moves on to meet the next
customer in no time
MICROFINANCE AGENT:
ISSUE MICROLOAN

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TO ENABLE
ANYONE WITH
ANY TYPES OF
MOBILE PHONE
AND SERVICE
REMOTE CONFIGURABILITY:
INTRODUCE NEW FEATURES TO AGENTS
George is a banking agent for Bank
and uses Mistral m-Agent™ for
customer servicing
Bank has decided to give their agents new
products that they can provide to
customers
Bank’s administrator creates new
features with the Gateway Admin
Console™…
…and publishes them to all their
agents’ mobile apps
George receives a notification that
there are updates
George can start using the new
customer service features immediately!
Let’s add
new agent
services

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INTUITIVE AND POWERFUL EXPERIENCES
SUPPORTING THE NATURAL WORKFLOWS
All the data fields are fully remotely configurable.
Applications are provided on a fully white label basis.

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MISTRAL M-AGENTTM
SOLUTION COMPONENTS
OS Support
m-AgentTM
Accessories
m-AgentTM
Fingerprint
Reader
(1)
1 J2ME version does not support accessories

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ADVANTAGES OF M-AGENT™
OVER ALTERNATIVE APPROACHES
Alternative Options
Money Mobility SuiteTM
m-Agent™
PC POS USSD Custom Apps
Dynamic
Apps Notes
Cost to deploy
No additional
HW required
Data
connection
requirements
No mobile data
required
Easily
updatable
Update features
instantly
OTC servicing
Allows cash-
paid OTC
services
Easy to use
interface
Simple flows
preventing
errors

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INTRODUCTORY VIDEOS
Mistral Mobile overview
http://www.vimeo.com/mistralmobile/intro
Money Mobility Suite™
http://www.vimeo.com/mistralmobile/moneymobilitysuite
m-Agent™
http://www.vimeo.com/mistralmobile/magent

WE MAKE YOUR FINANCIAL
SERVICES MOBILE
WATCH HOW:
WWW.VIMEO.COM/MISTRALMOBILE/INTRO
WWW.MISTRALMOBILE.COM
SALES@MISTRALMOBILE.COM
TWITTER @MISTRALMOBILE

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