Donriver INC. Global market for Mobile Money Transfer services is forecasted to grow to a $20B (USD) industry by 2014

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2 Donriver INC. MonetizE MobilITY Since 2006 DonRiver has helped the leading Network s, Financial Institutions, Payment Processors, and Remittance Providers architect, develop, and integrate mobile money channels, applications, and services. Whether you are a new or existing DonRiver customer, the following pages will show you how DonRiver can accelerate your Money implementation, reduce your product development costs, and generate higher returns on your investments. Global market for Money Transfer services is forecasted to grow to a $20B (USD) industry by 2014 DonRiver is a technology consulting and software development firm that specializes in the growing Money industry. DonRiver provides mobile money technology strategy, design, development, and integration services and solutions for leading mobile operators, banks, and financial service providers around the world. Table of Contents DonRiver Inc. Monetize Mobility Clients & Partners Monetize Your Opportunities Where Do You Begin? DonRiver Money Consulting Services Our Work Industry & Thought Leadership Get Started... Contact Us Today! Airtime remittances is currently a $20B market The Neilson Company stated in a 2010 survey that the mobile banking consumer carries a higher balance than the average banking consumer and has a greater net worth Capgemini s World Payments Report 2010 conservatively estimated the value of Payments at 41.5B for 2009; growing to 140B by 2012 DonRiver services the leading international remittance and payments firms in the world DonRiver leverages its industry experience, technology expertise, and pre-built mobile platforms to accelerate the delivery and reduce the cost of development of revenue-generating mobile financial applications for clients. DonRiver has become one of the telecommunications industry s most capable and experienced technology consultancies through the delivery of services and innovative solutions to clients and partners including Accenture, AT&T, Rogers, Roshan, Telenor, Telstra, TransferTo, VendTek, Visa, and Western Union. DonRiver Operating Locations CanaDa USa RUSSIa VIeTnaM australia 2 53

3 CLIENTS & PARTNERS Since 2006, DonRiver has served clients across the Financial Services ecosystem and has developed interoperable solutions that have been utilized by mobile subscribers globally. s Financial Institutions & Remittance Providers Wallet Vendors DonRiver Clients & Partners Include: Created handset Wallet applications and corresponding server solutions that integrate into the operational support and billing systems of Network s. Architected and delivered systems that are network agnostic and provide money transfers services to both pre-paid and post paid subscribers on GSM and CDMA networks. Implemented air-time and stored value management solutions that enable subscribers to top-up from prepaid debit card accounts held with financial institutions. Integrated to a financial institution s ATM network from a network operator s billing management system to allow Wallet accounts to be accessed and managed from both mobile phones and ATM machines. Integrated mobile wallet services into banking card processors - enabling Banking functions such as mobile driven credits, debits, bill payments etc. Developed Money Transfer service that integrated into the Western Union Remittance network. This solution allowed Money Transfers to be processed from North American subscribers to Latin American recipients. Created security framework and transaction monitoring solution for a North American bank to prevent and identify fraudulent mobile initiated transactions. Companies that develop Financial software applications integrate DonRiver into their IT architecture and development teams to build solutions for operators and financial institutions. Vendors utilize DonRiver to benefit from our expertise in developing bespoke Financial Services, as well as our ability to leverage our proven software delivery methodology. With significant cost pressures and competition throughout this industry, our rapid delivery model and economical offshore development capability enables software providers to cost-effectively scale and meet time constraints. Accenture AT&T Rogers Roshan Telenor Telstra TransferTo Kony Solutions VendTek Visa Western Union 4 5

4 Where do you BEGIN?... DONRIVER MOney Consulting SeRVICES DonRiver Consultants design, develop, test, and launch Money applications and services for our clients. DonRiver s practice has developed innovative mobile money software and technology solutions for s, Financial Institutions, Remittance Providers, and Wallet Vendors since Technology Strategy & Project Management: We work with our clients to assess mobile money opportunities, define product requirements, conduct technology vendor selections, and manage end-to-end implementations from initial concept through market launch. Based on our extensive experience, DonRiver has designed a repeatable methodology and suite of tools to plan and successfully manage mobile financial technology implementations. Do you need to assess your mobile financial services strategy to ensure you are on-point against your business objectives? Are you ready to act on your mobile financial strategy but require help sourcing pertinent vendors? Do you need to deploy your mobile financial strategy quickly but lack the resources to manage the end-to-end implementation? Have you and/or your partner developed your mobile financial solution but require industry best-practice testing and certification? Software Development & Systems Integration: Application Testing & Certification: We develop and integrate mobile banking, mobile money transfer, and mobile payment software solutions. Our software architects also implement and customize off-the-shelf commercial mobile financial platforms and operational support systems for our clients. DonRiver is an experienced mobile application developer for leading mobile platforms, including smartphones and feature phones, as well as WAP, SMS, and USSD. As a Systems Integrator, DonRiver manages the integration and technical certification of Western Union Money Transfer solutions implemented by Network s around the world. We test and certify Financial solutions that are developed by DonRiver, client personnel, or by third party platform vendors. To accelerate testing and reduce overall effort, we utilize our Financial testing methodology and test automation platform. Our testing teams and global delivery network allow us to support around-the-clock testing activities including test plan and test case creation, test execution, defect identification and resolution management, as well as manual or automated regression and performance testing. 8 9

5 Bank Account Cash Collection Home Delivery MONETIZE YOUR MOBILE OPPORTUNITIES App designed, developed, tested and certified by DonRiver Card (ATM) There are 5.3 Billion mobile subscribers worldwide (77% of the global population), with a forecasted 1 Billion set to access mobile financial services by Source: MobiThinking, 2010 forecasts for 2013 suggest there will be nearly half a billion customers of mobile financial services, including m-banking, money transfers and international personto-person payments. Source: ABI Research, 2010 Do you need to jump-start your mobile financial strategy and reduce the cost of product development and deployment? DonRiver provides a suite of specialized Money service offerings that are based on DonRiver s industry best practices, successful implementations worldwide, and DonRiver mobile financial intellectual property: Sender Money Transfer Rapid Launch Kit: DonRiver Money After several successful Integration Hub Money Transfer deployments, DonRiver has defined a process and developed Request: Send a Amount service and offering Number that clients can use to kick off, plan, develop, and test Money Confirmation: Number, Top Up Amount and Charged Amount Transfer software projects. The OK DonRiver Launch Kit includes: An estimating model Reserve Credit Project Charging plans Debit Functional and system requirements Confirmation: application You have successfully interface loaded and amount to mobile number. You have been charged amount. integration designs Application architecture Testing and technical deployment strategy DonRiver Money Integration Hub: The DonRiver Money Integration Hub is a middleware-based integration solution that has been optimized for the Money industry. The Hub enables the rapid creation and deployment of Payment, Recharge, and Airtime & Money Transfer services to mobile subscribers. Clients utilize this offering to rapidly launch innovative and differentiated custom financial services through an interoperable middleware solution with pre-built integrations to the leading financial services providers within the world. Western Union Integration & Certification: DonRiver serves as a System Integrator for Western Union s Money Transfer Service. Western Union s Money Transfer service allows consumers to send and/or receive money using their mobile phones. Top Up Request Direct DonRiver works on behalf Top Up of Western Union to OK manage the integration, Platform testing, and technical certification Confirmation: of Western Congratulations! Union You have just Money Transfer received solutions amount implemented from mobile numberby Network s around the world. Money Application Testing Lab: DonRiver operates a Money Application Testing Lab located in a Tier 1 Data Center in Toronto, Canada. We utilize this lab to host, test, and certify Banking and Money Transfer applications developed by DonRiver or by our client s internal staff. The certification lab is comprised of testing applications, defect support systems, and test automation tools that allow DonRiver s resources to test applications across all major mobile service delivery channels, handsets, manufacturers, and platforms. Money Integration Hub DonRiver s Money Integration Hub provides s and Financial Institutions with a pre-developed, mobile money optimized middleware platform to build custom and differentiated Financial Services. Subscribers Enterprise Partners i.e. Banks, Credit Unions & s MOBILE OPERATORS BANKS Payment The Money Integration Hub provides a foundation for s, Banking, and Commerce Vendors to rapidly develop and launch customized services to mobile subscribers. This platform provides the following core features and functionality: Pre-built integration to Wallets, Recharge, Airtime Transfer, and Money Transfer Service Providers Financial Account Association and Subscriber Registration Customer Relationship Management and Operational Support Software Integration DonRiver Money Integration Hub Financial Services Connectors Financial Services Application Vendors REMITTANCE PROVIDERS CREDIT & DEBIT NETWORKS Connections to Bank Processors and Payment s SMSc/USSD Integration for Messaging and Alerts Transaction Monitoring and Reports The platform also includes a comprehensive suite of development and testing tools that enable financial institutions to expedite delivery of mobile financial services. This flexible platform empowers clients to tailor DonRiver solutions to their unique requirements, launch new digital channels for interacting with customers, and build new financial products and services leveraging existing systems. 6 7

6 Bank Account Cash Collection Home Delivery INDUSTRY & THOUGHT LEADERSHIP OUR WORK TransferTo Airtime Transfer Application App designed, TransferTo developed, operates tested and a global airtime remittance network certified by DonRiver that interconnects the prepaid systems of partner mobile operators. As a complement to traditional modes of remittances, TransferTo allows subscribers to transfer small amounts of value in the form of airtime (top-ups) across borders. DonRiver successfully developed TransferTo s Smartphone based Transfer and Top-Up application for iphone and Android devices. The application provides the following capabilities to consumers: Sender Card (ATM) - Transfer Air Time - View Air Time Balances - Register Payment Sources (Debit Cards, Credit Cards, Paypal) - Access Transaction History - View Ads and Marketing Messages DonRiver is an active participant in the Industry, providing the community with news and analysis, best practices, conferences, and networking opportunities. MoneyCanada.com DonRiver is a founding member and sponsor of Canada s only mobile financial services conference, Money Canada. This conference attracts seniorlevel, decision-making executives from leading Banks and Financial Institutions, Network s, International Remittance Providers, and Credit Card and Payment Service Providers. Money Canada is a private event for individuals that are actively involved with mobile money service deployments within Canada or around the world. -Financial.com DonRiver operates a leading mobile financial services news, blogging, and information portal - -Financial.com. -Financial.com enables industry professionals to access breaking news, discover conferences and events, conduct market research, and connect with industry colleagues. DonRiver also publishes an industry newsletter each day through -Financial.com. This newsletter is sent to over 3,000 mobile money executives and professionals within Network s, Financial Institutions, Technology Vendors, and Consultancies. To subscribe to the -Financial. com newsletter or to learn more about sponsorship opportunities, please visit DonRiver Money Integration Hub Subscribers Enterprise Partners i.e. Banks, Credit Unions & s Payment DonRiver Money Integration Hub Financial Services Connectors Financial Services Application Vendors Request: Send Amount and Number Confirmation: Number, Top Up Amount and Charged Amount MOBILE OPERATORS OK Charging Reserve Credit Debit Top Up Request OK Direct Top Up Platform BANKS REMITTANCE PROVIDERS CREDIT & DEBIT NETWORKS Confirmation: You have successfully loaded amount to mobile number. You have been charged amount. Confirmation: Congratulations! You have just received amount from mobile number 10 11

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