This presentation illustrates the importance of retail transactions in the mobile money ecosystem. NSDT technology is highlighted as a key means of making payment on the web and at a point of sale.

1. Bringing Mobile Money to the Point of Sale May 10, 2011 Isabelle Berner, Product Marketing Manager www.tagattitude.fr

2. Overview Mobile Payments for Retail: Market status The role of retail in mobile money Technology solution: Near Sound Data Transfer Case examples: retail (Orange Money) & web (PayFair)

3. Encashment Link the phone to an account (ie bank/card or wallet) Cash deposited with an agent Money transferred from customer Salaries* sent to the phone * Microloans, pensions, and other funding sources can also be sent

4. What happens to funds remitted? Money is sent for a specific reason. The typical transaction chain for mobile remittances is:

5. What’s the problem? Sender transfers funds to recipient Recipient uses cash to buy goods and services Cost: The Agent must be paid for cash withdraw services. Convenience: The customer spends time and sometimes money to travel to the agent and then to the store. - $ - $ Sender deposits funds via agent Recipient withdraws cash via an agent

6. So what can be done differently? Sender deposits funds via agent Sender transfers funds to recipient Recipient uses funds to buy goods and services Skip the Cash-Out! Use mobile money to pay merchants in stores Use mobile money to pay e-commerce merchants - $ + $

7. Requirements Payments in stores and on the web must be: Highly secure “phone present” standards—akin to “card present” transactions. Quick transaction time. Convenient and intuitive for merchants and customers. Cheap to equip the acquiring network.

8. The Secret Ingredient: Sound Near Sound Data Transfer (NSDT™) is the technology that Tagattitude has developed in order to meet all of those requirements. The secret ingredient is sound…

9. Core innovation: NSDT™ NSDT™ : Near Sound Data Transfer Electronic signature technology compatible with 100% of the cell phones worldwide

10. Core innovation: NSDT™ Account holding entity NSDT™ Customer Merchant

12. Terminals designed for developing markets.

13. What can be a terminal?

14. The merchant’s own phone

15. A phone-based “terminal”

16. A website

19. Simpler and faster than online card payments

21. TagPay and NSDT™ References

22. TagPay Services and more…

24. Paying in stores or on the web changes the business model and provides customers with a very valuable service