Europe's Digital Payment Network

Syncing bank accountsto smart devices for instant POS payments

Cybersecurity & FintechAranjuez, 4-6 July 2016

Urgent state of affairs

The Digital Economy

Pan-European Instant Payment solution*

*Based on SEPA Credit Transfer scheme (SCT) V. 8.2

Digital Payments

Dinube Digital Payments

The Dinube Advantage

Payments in 34 Countries

individuals & businesses can initiate and receive cross-

border payments throughout Europe

Available instantly (≤ 10 sec)Available 24/7/365

• New impulse with ApplePay / SamsungPay

• Greater user concerns about privacy

• Mobile-customer expectations not met

SCT Instant Payment Framework

Why now

ECB: EuroRetail Payments BoardTimeline

Dinube is the digital payment network

designed with Banks and Retailersto enable instant payments at a point of salewith the features consumers actually want

on a mobile device

Purpose

Europe’s Instant Payment Network

Jonathan HayesFounder & President, Dinube(+34) 934 054 667jonathan.hayes@dinube.com@DINUBEwww.dinube.com

© 2015 Dinube Mobile Payments & Loyalty, S.L. All rights reserved.