MOBILE FINANCIAL SERVICES. GUSTAVO CHAPARRO Gemalto

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1 MOBILE FINANCIAL SERVICES GUSTAVO CHAPARRO Gemalto

2 Mobile Financial Services Speed and ease of access Internet Cost per transaction IVRs US$ 1,19 ATMs POS Branch Office US$ 0,62 US$ 0,40 US$ 0,28 US$ 0,10 US$ 0,08

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5 Use Cases Authentication mbanking Check balance Manage cards Pay bills Transfer money from accounts to accounts Authenticate securely to a web site (wpki, motp) mpayment Peer to merchant Pay merchant NFC payment Pay a merchant with an NFC phone Mobile Financial Services mpayment Peer to peer Transfer money to somebody in the same country Mobile Wallet Un-banked people can access to financial services Mobile money transfer Air time transfer Top up Transfer air time Transfer money to a person abroad

6 SMS User Operator System Security Friendly Transaction cost Service Availability SMS Low Low Moderate High

7 WAP and JME User Operator Internet System Security Friendly Transaction Cost Service Availability HTML/WAP Moderately High Moderately High Low Moderate JAVA / JME Moderately High High Low Moderately Low

8 USSD User Operator System Security Friendly Transaction Cost Service Availability USSD Moderate Moderate Moderate Moderate

9 IVR Operator Voice Channel User System Security Friendly Transaction Cost Service Availability IVR Moderate Low High High

10 SIM BROWSING User Operator BANCO System Security Friendly Transaction Cost Service Availability High High Low High

11 Friendly, Easy, Secure Reset Vcc Un mundo de Vss servicios financieros I/O al alcance de Clock todos! P Any Mobile Phone r o c micro e s s o r EEPROM Data Bus ROM (OS) Address Bus mbanking RAM Mobile money transfer Crypto Mobile Wallet Air time transfer mpayment Peer to peer mpayment Peer to merchant

12 Security Authentication End 2 End Security Confidentiality Integrity Mobile Financial Services Algorítmo de Seguridad 3 DES Access Control Non repudiation

13 Mobile POS Customers POS 12:17a VENTA ANULACION CIERRE Merchant

14 Mobile WALLET Your Wallet Your Phone Cel Your Electronic Wallet 14

15 NFC + Contactless Payment Chip + Antenna (Integrates at the same Mobile device) Shared services To reload PayPass thru your banking account ICCID Mobile Application

16 Services Evolution

17 In Production Deployment Ongoing Prospects BANCA MOVIL - CONFIDENCIAL

18 Mobile Banking & Payment Colombian Case Study

19 Mobile Banking Colombia As a result of the Banks need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia. Therefore, it was established a strategy to design a solution which may offer among other benefits: USER FRIENDLY Dinamic STK menues ALWAYS No short codes No keywords needed No strings of data Explicit transactional flow Dynamic session (The user always knows next step) No user trainings needed

20 Mobile Banking Colombia As a result of the Banks need to reach more users every day and taking into account the growth of the Mobile Telephony whose technology is available 24 hours a day, 7 days a week; the Mobile Banking Concept was born in Colombia. Therefore, it was established a strategy to design a solution which may offer among other benefits: MASS MAS Market coverage DSTK applet (SIM CARD) SMS Channel usage Device independant

21 Commercial Launch Commercial Launch Commercial Launch Commercial Launch Commercial Launch Total Transactions:

22 Total Users Registered Customers

23 Total Prepaid Reload

24 STATISTICS + 370K users registered + 4,2 millions of Balance Inquiry (+45% total transactions) + 1 million of prepaid reloads (+15% total transactions) + 73K found transfers + 50K Services payment (launched on Oct/2008) + 2,3 millions attempt of registry process (+20% total transactions) + 22K new users per month + 37 millions of Cellular phones ready to be used Today, more than 1 millions transactions per months M TRANSACTIONS DURING LAST YEAR

25 Unión de experiencias y Servicios Ciudadano Empresarios Serv. Publico

26 Convergencia de Servicios al Ciudadano

27 Por qué No?

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29 Gustavo Chaparro B. Gerente de Soluciones para el Pacto Andino Gemalto Tel: (+571) Ext. 139 Cel: (+57) / (+57) Fax: (+571) Av. Cra. 9 No Oficina 1704 Bogotá D.C., Colombia [email protected]