Novatti offering for Financial Institutions that includes: - Mobile Banking - Branchless Banking - Banking Value Added Services - Micro Financing

1. Banking Made Simple
Mobile Banking
Branchless Banking
Banking Value Added Services
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2. Novatti Pty Ltd
Who is
Novatti?
What do
we do?
How do
we help?
Novatti has been a developer and supplier of Mobile Financial Solutions since
1996, with core development and R&D located in Melbourne, Australia.
Novatti is an IBM Advanced Business Partner based on a range of selection
criteria including the architecture and performance of its solutions.
Innovative payment technology and solution provider to a global base of Tier 1
and smaller service providers and start-ups.
We provide real time application solutions to Financial Institutions & Mobile
Operators.
Mobile Banking
Branchless Banking
With our multi-service platform, we enable them to extend their product
portfolio – taking robust, integrated new payments services to market
quickly and cost-effectively.
Domain experts in real-time transaction processing and payments platforms.
We help our customers take advantage of the rapidly-expanding marketplaces
of mobile and unbanked users – as well as differentiating their services to
acquire new customers and increase revenues from their existing base.
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3. Novatti Strengths
• Domain knowledge
• Proven core technology
• Flexible, agile, adaptable
• Highest security standards
• Established global clients
• One platform - all services
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4. 1. Mobile Banking
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5. Mobile Banking
• Safe and Secure
• Easy available access channels
– Mobile
• SmartPhone App
• JAVA App
• USSD
• SMS
– Tablet/Web Portal
• Self service
– Gives the client control over their own money
– Less people at the branch
– Client saves unnecessary trips to the branch
– Bank saves $$$
• Available round the clock 24/7/365
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6. Mobile Banking Services
• View Accounts
• Check Account History
• Check Rates
• View Cards
– View credit/debit cards details and balances
– Review transaction history
• View Loans
• Transfer Funds
– Between your own accounts
– To 3rd party accounts
• Locate ATMs
• Pay Bills
• Topup prepaid cards/airtime/utilities
• Mobile alerts
• Targeted marketing
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7. 2. Branchless Banking
(Agent Banking)
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8. Bank Motivators
• Limited number of physical bank branches, due to high
expansion costs.
• Telco Operators - mobile money, taking over unbanked
population.
• High core banking license costs.
• Grow client base
• Access to Remote & rural customers.
• Grow income
– Government Disbursements
– International Donations
– High volume transactions
– Short & Long term growth
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9. Branchless Banking
• Network of Agents takes the place of physical branches.
– Accessible
– Scalable
– Low cost
• Flexible platform
– Omni channel: Web Portal, POS Terminal, Tablet, Mobile App/USSD/SMS.
– Adapt to ever-changing market with ease.
– All light banking services built in.
– Additional features easily configured.
– Swift rollout of new services.
– 3rd party Mediation: Core Banking, Payment Processor, Service Providers, MM, …
• Channel for Government Disbursements
– Social service & welfare payments, salaries, pensions
• No client is lost to Telco Mobile Money.
• Flexible cost-effective license models.
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10. Mobile wallet capabilities
Core Banking
Transfer funds in & out
- cash, bank ac
- debit/credit ac
New Customer
Sign-up
in person
Sign-up
online
KYC check
Multiple access
methods
Load tokens &
Airtime top-up
Online payment
for goods &
services
Redeem points &
tokens
- loyalty points
- goods & services
Transfer funds
between users
points
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11. Branchless Infrastructure
Mobile
Network
SOAP, XML,
ISO8583
Novatti Payment
System
Agent and Customer GPRS, USSD ,SMS, IP
Core Banking System
Customer Agent
Service
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12. 3. Banking
Value Added Services
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13. Bank Motivators
• Introduce new services to the market
• Keep existing clients
• Attract new clients
• Swift new service rollout
• Want to provide new innovative services cost-effectively
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14. Value Added Services
Utility Top-up
Microfinance
Airtime Top-up
Remittances
Vouchers
Bill Payment
Local & International
Virtual Cards
Pay Anyone
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15. Novatti Mobile App
• White labelled app ready for client
customisation
• Uses SOAP API to communicate to
Novatti platform
• Services
• Send / Get Money
• Virtual Prepaid Debit Cards
• Prepaid top-up and bill pay
• Coupons/Loyalty
• Multiple wallet fund sources – vouchers,
credit/debit cards, bank account
• Multiple wallets and currencies
• Wallet can be accessed via
– Smart Phone App
– Feature Phone SMS/USSD/STK
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16. Transaction Security
• 3DES transaction encryption – financial industry
standard
• Authentication for every transaction via terminal
ID and/or agent M-PIN
• Transaction value limits
• Account activity limits
• Two phase approval for certain GUI actions e.g.
credit request
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17. Financial Models
• Capital Purchase Model
• Transaction Fee / Revenue Share Model
• Happy to discuss different financial
Models!
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18. Talk to Novatti
• Global experience in the delivery of Digital Wallet-based solutions to
telecoms operators and financial institutions
• The Novatti Payment System is a powerful, robust and flexible OEM
digital wallet platform
Shai Elnekave
VP Technical Sales
+61 406 741 098
Shai.Elnekave@novatti.com
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