We, at Tribalnets, - Build communities through offering a range of international and national money transfer and virtual banking services to users. - Secure electronic transaction systems for use via mobile and web. - Alternative, affordable and innovative payment method that uses the existing mobile networks. About Us Tribalnets is run by Didier Marissal, experienced CEO & Chairman of business service and consulting. Its employees comprise of Experienced, multinational team from the banking and telecoms world, Developers with banking background –Fortis, Swift, Mastercard, Visa and a network of mobile financial service specialists.

1. Tribalnets copyrights Confidentiel

2. Tribalnets
Building your community through enabling financial transactions and payments
We
• Build communities through offering a range of international and national money
transfer and virtual banking services to users.
• Secure electronic transaction systems for use via mobile and web.
• Alternative, affordable and innovative payment method that uses the existing
mobile networks.
• Run by
– Didier Marissal, experienced CEO & Chairman of business service and consulting
– Experienced, multinational team from the banking and telecoms world
– Developers with banking background – Fortis, Swift, Mastercard, Visa
– A network of mobile financial service specialists
Tribalnets copyrights Confidentiel

3. Population with a Bank Account
PRIVATE BANKING
~2 billion TRADITIONAL BANKING
~4 billion UNBANKED or UNDERBANKED
I Billion - Estimated number of people with a mobile but no bank
account across Africa, South America and Asia.
Predicted to grow to 1.7bn by 2012.
CGAP and GSMA researchers
Tribalnets copyrights Confidentiel

4. People with a Bank Account
Source: Demirguc-Kunt, Beck and Honohan, 2007, Policy Research
Report on Access to Finance, World Bank
Tribalnets copyrights Confidentiel

5. Starting Point – P2P Money Transfer
The Market Opportunity
WORLD BANK:
Over 175 million migrants currently use remittance services, sending money to over
800 million recipients at an estimated average transaction value of US$200.
• In 2007, US$318 billion was sent cross-border through formal channels.
• Informal channels account for around 50% travelling through traceable channels -
market value at over $500 billion.
Western Union
• The total value of global remittances in the next 5 years estimated to be $700 billion
GSMA:
forecasts that the ‘formal’ global remittance market could be over $1 trillion in five
years across 2 billion consumers with the help of mobile services.
Operators meanwhile would also benefit from increased customer loyalty and
network traffic, reduced churn rates, and a share of fees.
.
Tribalnets copyrights Confidentiel

6. Mobile Banking
• The World Bank estimates
– reducing remittance commission charges by 2-5% could increase the flow of
formal remittances by 50-70%, boosting local economies
• Gartner predicts
$2.7 bn of transactions in 2007 expectations in 2012 : $37 bn
• Mobile technology
– removes the need for physical points of presence and
– ensures a timely and secure method of transaction.
– Cash out is still important in an e-cash model,
• Beyond Cash in and Cash out
– Additional financial services such as Bill payment s reduce the need to cash out.
• Average cost per transaction estimated at
– 15% of the remitted value
– Over 25% for remittances below $100.
–
Tribalnets copyrights GSMA Draft Remittance Service Providers White Paper Confidentiel

7. Tribalnets copyrights Confidentiel

8. Horizontal Propositions
Banknet Moneynet Payrollnet Creditnet
A virtual bank account. Real time mobile to Electronic payment into Micro credit facility, for
mobile money transfer employees 'account' loans within a
Money transfer with user confirmation community.
and bill payments. (National & Flexible corporate
International) integration (Excel, SAP
sage etc)
Ideal for retail purchase
Web and Mobile Web and Mobile Web and Mobile.
Mobile Only.
Tribalnets common platform
Real time, confirmed transactions in the field
Security
Tribalnets copyrights Confidentiel

9. User Transaction - Moneynet
Tribalnets copyrights Confidentiel

10. Tribalnets copyrights Confidentiel

11. The Tribalnets solution scheme
- increases traffic
Payment :
- Increases customer retention
- from anywhere
- improves service offering
- to anyone
- at anytime
- realtime
confirmation
Functionalities:
• Send and receive money
• Check balances
• Make loan payment
• Transaction report
• Full traceability on
transactions
- enabling real-time transaction
- increased security and payment efficiencies
- reduce dependency on ATMs
Tribalnets copyrights Confidentiel

12. From unbanked to banked
Bank account
Unbanked Economic Inclusion
Individual Perspective: Individual Perspective:
Cash or goods based Secure use of funds
Subject to many risks Lower individual risks of loss
Subject to high commission Convenient Management
Economic Perspective Economic Perspective
Difficult to track & manage Visible, traceable economy
Tribalnets copyrights Confidentiel

13. The Social Objectives
• GSMA:
– 10% increase in mobile phone penetration can boost GDP growth by 0.6%
• Visa:
– When compared to paper based systems electronic systems can deliver cost
savings of at least 1% of country GDP annually
• Elizabeth Littlefield, CEO of CGAP.
“Mobile banking pioneers give us hope that millions of poor people, especially those
living in rural areas, finally might be served by the banking system. That said, new
business models and partnerships that provide the right incentives to banks and
banking agents are vital if we are to move beyond simple payments and transfers
to being able to offer other basic banking services, especially savings, that poor
people need and want,”
Tribalnets copyrights Confidentiel

14. Benefits
. “For mobile operators, mobile payment can help attract and retain users
and generate new revenue streams. For financial institutions, mobile
payment is an opportunity to reach users who may have been previously
unreachable, due to a lack of retail infrastructure.”
Ms. Shen, Gartner May 2009
Social Aspects:
• Develop full banking habits
• Keeping cash in the network means it can be used as a resource
MNO benefit: Financial Institutions
• Higher ARPU • Customer acquisitions
• Increased SMS traffic • Reduced operational costs
• Increased customer engagement • New revenue streams
• Higher retention • Customer data and potentially direct
• New revenue streams marketing opportunities
• Reduce customer churn
Tribalnets copyrights Confidentiel

15. Social Values
“At Tribalnets we pride ourselves that we go beyond simply
selling a product.
We are building a transactional platform in the host country
giving our clients the tools to run and administer it, advising
them on the business modelling and training necessary to
make the venture a success for all of us.
Tribalnets tailors the platform to the needs of the customer so
that this infrastructure can grow and take its required place in
the functioning of their society.“
Didier Marissal – Founder, Tribalnets
Tribalnets copyrights Confidentiel

16. Conclusion
• Tribalnets mobile banking solutions provides a cost effective,
efficient way of broadening economic inclusion.
• One infrastructure can provide the basis for many applications.
• Transactions worth €40bn are predicted in 2012. (Gartner2009)
Tribalnets copyrights Confidentiel

17. Tribalnets copyrights Confidentiel