A description of Mobile Money Management opportunity for Mobile Operators and Banks, and a description of Services provided by Accenture

1. Mobile money management
services from Accenture
Driving high performance with rapid, cost-
effective delivery of mobile financial services

2. 1

3. 2
A rapidly growing marketplace,
mobile money management—
offering both mobile
banking and mobile payment
capabilities—offers important
benefits, including:
• Increased banking penetration
of untapped markets at a
relatively low acquisition cost.
• Reduced cost of remittances,
as the need for physical points
of presence is removed.
• Improved customer retention,
especially among younger
and more affluent customers
who increasingly expect more
sophisticated mobile offerings.
• New revenue streams,
including the opportunity
to up-sell base services to
banking products such as
mortgages, loans and pensions.
Yet while financial institutions
recognize the importance of
the mobile channel to their
ongoing competitiveness, many
have been challenged to create
a robust platform that enables
a broad range of mobile money
capabilities over multiple kinds
of mobile devices. Security
concerns, rapid technology
change, an uncertain regulatory
environment and cost restraints
are key challenges these
institutions face.
To successfully launch mobile
money management capabilities,
financial institutions need a
market-tested, cost-effective
technology solution that delivers
a flawless transition from launch
to steady-state operations,
meets the highest security
and regulatory standards, and
keeps pace with the evolving
technology environment without
requiring ongoing capital
investments.
It’s a compelling value proposition for consumers:
check your bank account balance, purchase movie
tickets, pay for groceries, send money to a relative—all
from your mobile phone. For financial institutions
and mobile network operators alike, mobile money
management is an important strategy to generate new
revenue streams and drive competitive advantage.

4. Mobile
phone
AMOS Enabled Channels
SMS; USSD2; xHTML; Internet
Accenture Mobility Operated Services
(AMOS)
AMOS
Mobile Money Management
Front End Bank
Standalone Bank
Payments Gateway
Value Store
Transaction and Fees
Engine
AMOS
Ecosystem
eCommerce
Ticketing
Loyalty
Marketing
Core Banking Platform
Standards
based
IntegrationMNO Integrated channels
SIM Toolkit;
KYC/AML
Document Store
Mobile Network
Operator(s)
3
Accenture’s mobile money
management capabilities, enabled
by Accenture Mobility Operated
Services (AMOS), support multiple
scenarios to serve financial
services and communications
companies:
• A mobile front end and middle
office to a traditional bank
• A high-speed, real-time
transactional wallet system
• A high-speed transaction and
fees distribution engine
• An aggregator and enabler of
mobile and Internet channels
to a bank
• A payment gateway
• A payments authentication
service
• A gateway to e-commerce,
ticketing, rewards, loyalty,
marketing and other services to
generate new mobile revenues
The Accenture Mobile Money
Management Framework

5. 4
Accenture’s mobile money
management offering is an innovative,
enterprise-grade mobile money
platform that can be up and running
in a matter of weeks. Managed and
operated by Accenture, the platform
is a high-speed, high-volume
financial transaction processing
engine. It connects to financial
operators through designed-in
systems integration connectors
and pre-built payments gateways.
Accenture leverages its extensive
experience working with major mobile
operators to support integration
with handsets and networks
securely and cost-effectively.
The platform is open, meaning that
services are deployed to all types
of mobile devices, and is non-
branded which enables banks to
retain and build their own brand
when interacting with customers.
Accenture also provides banks with
access to mobile customers through
operator-independent channels—using
SMS, USSD or other protocols to
communicate between the customer,
the clearing institution and the bank.
At the heart of Accenture’s service
is an innovative, cross-industry
offering, Accenture Mobility Operated
Services, a powerful platform that
allows enterprises to launch mobile
services rapidly while reducing IT set up
costs, minimizing risk and complexity.
Accenture’s managed-services
approach to mobility services is in play
at leading companies around the globe,
including Fiat and Telecom Italia.
Accenture’s mobile money
management offering incorporates
software from Fundamo, a specialty
provider of enterprise mobile financial
services software and services, and
combines it with Accenture’s industry-
leading Service Delivery Platform
(SDP). With experience across multiple
technologies and operators, Accenture
provides institutions with extensive
flexibility in architecting a mobile
money management solution.
Accenture’s managed services platform
for mobile money management
By 2014, the mobile
money management
marketplace is expected
to be worth more than
$65 billion, with more
than half a billion users.
- Juniper Research

6. 5
Accenture operates financial services
for some of the world’s largest
financial institutions and has extensive
experience in the successful delivery
of mobile payments, ticketing,
vouchers, customer loyalty and
e-marketing. Accenture:
• Is ranked as the #1 outsourcing
service provider by the International
Association of Outsourcing
Professionals (second consecutive
year).
• Processes billions of dollars of credit
card transactions annually (over $20
billion in 2008).
• Serves 85 enterprise customers in
more than 35 countries with our
financial hosting and processing
capabilities.
• Hosts more than 30 websites serving
more than 24 million visitors every
day.
• Hosts ticketing and booking systems
for 6 of the 10 largest low-cost
airlines.
Accenture: A leader in mobility
and financial services
Important features of the Accenture
mobile money management service
include:
Scalability to handle peak usage
By running a shared platform, the
Accenture service delivers cloud-
like scalability, handling peak loads
for multiple clients simultaneously.
The platform can also handle micro-
payments, which can be difficult to
address through traditional payment
technologies.
Transaction-based pricing
The Accenture service offers a
transaction-based pricing model,
enabling an institution to manage
costs and share risk at start-up. With
lean, low-cost operations, Accenture’s
mobile money management offering
gives financial institutions the ability
to create robust services at less risk.
Support for multiple locations, devices
and channels
Multi-national institutions can use
the platform across all locations
and geographies. One instance can
handle multiple countries and banks
simultaneously, as well as an extensive
range of devices, wallets, operators
and Web channels.
Built-in security
The Accenture platform leverages
leading encryption technologies,
offering built-in security and
monitoring. A mobile PIN enables
secure payments through the phone.
Customizable applications or “midlets”
enable the Accenture solution to reach
a wide range of phones with a rich,
functional menu and then to use an
SMS channel in a secure way.
Powerful options
Additional capabilities include:
• Built-in document management.
• Mobile revenue services such
as ticketing, loyalty and mobile
marketing.
• Accenture’s core banking platform
for savings, loans and traditional
banking operations.
• Outsourcing for functions such as
finance, administration and fraud
detection.
• eCommerce and Web portal
development.
Industry-leading mobile money
management capabilities

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High Performance Delivered
are trademarks of Accenture.
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About Accenture
Accenture is a global management
consulting, technology services
and outsourcing company, with
approximately 204,000 people serving
clients in more than 120 countries.
Combining unparalleled experience,
comprehensive capabilities across all
industries and business functions,
and extensive research on the world’s
most successful companies, Accenture
collaborates with clients to help
them become high-performance
businesses and governments. The
company generated net revenues
of US$21.6 billion for the fiscal
year ended Aug. 31, 2010. Its home
page is www.accenture.com.
10-2488
Contact us
For more information about how
Accenture mobile money management
can help your institution achieve high
performance by rapidly developing rich
mobile financial services capabilities at
lower cost and risk, please contact:
Accenture Mobility Operated Services
Michael Eagleton – Europe, Middle
East, Africa, Latin America
michael.eagleton@accenture.com
Neil Hickey – North America
neil.hickey@accenture.com
Giorgio Andreoli
Europe, Latin America and Africa
giorgio.andreoli@accenture.com
Accenture Financial Services
Pascal Gautheron – Asia Pacific
pascal.j.a.gautheron@accenture.com
Terry Moore – North America
terry.l.moore@accenture.com
Max Colangelo - Europe
m.colangelo@accenture.com