Comprehensive end-to-end Solutions

Mobile Money & Mobile Financial Services

2billionworking age adultsare unbanked

Feature-rich mobile financial services As mobile phone markets worldwide reach a new age of

maturity, operators and financial service providers need

forward thinking solutions which exceed their subscribers’

expectations.

The world of mobile money is rapidly evolving, building

on successful services such as airtime top up, recharge,

money transfer and bill payment to extend advanced

mobile financial services into any market.

eServGlobal’s PayMobile platform is an end-to-end

solution for mobile money and mobile financial services.

It offers the full spectrum of mobile wallet, mobile

commerce, recharge and agent management features.

In emerging markets, the option of a mobile wallet

provides subscribers with access to easy-to-use mobile

money services such as cash-in/cash-out, bill payment,

domestic money transfer, salary disbursement as well

as access to micro-finance services such as insurance,

savings and loans.

In more developed economies, mobile commerce

provides a convenient way to make purchases via

alternative payment methods, such as NFC contactless

or QR code payments.

eServGlobal’s comprehensive mobile money platform,

PayMobile, is an end-to-end solution, bridging the cash

world with the mobile financial services ecosystem.

PayMobile can be deployed in a closed loop configuration

where the service provider holds all the subscriber, agent

and merchant wallets or in an open loop configuration

integrating with the existing payment ecosystem, ATMs

and coupled with the service

provider branded prepaid

payment cards.

In an end-to-end open loop

solution PayMobile integrates with legacy payment

networks, enabling purchases directly from the mobile

wallet, using contactless NFC payment terminals or

existing legacy POS terminals through a linked plastic

card. The option to offer a card which links to the mobile

wallet allows for quick adoption of mobile money while

the payment infrastructure evolves to accept direct

mobile/contactless payments.

Key featuresPayMobile transactions

◊ Cash-in/cash-out at agents and ATMs

◊ Domestic (peer-to-peer) money transfer

◊ Money transfer through the HomeSend® hub

◊ Payment at a merchant

◊ Bill payment: postpaid, utilities

◊ Companion prepaid card

◊ Micro-finance: insurance, savings and loans

Mobile money subscriber and agent management

◊ Subscriber registration

◊ Agent & merchant registration

◊ Know Your Customer (KYC) functions

◊ PIN management

◊ Agent & merchant network management

Customer care

◊ Caller verification, PIN/Password resets

◊ Lock/Unlock accounts

◊ Refunds

◊ Balance check

◊ Transactions history

◊ Actor information modifications: personal data, profile

Financial administration

◊ Fees, taxes and commissions

◊ Approval process for money declaration and retraction

in PayMobile as well as actor registration and domestic

money transfers

◊ Reporting

Risk and fraud management

◊ Fraud monitoring of the actors’ authentication

◊ AML and CFT limits rules on transactions and balances

◊ Audit trail

◊ One-time PIN

Next generation deploymentsIn addition to a comprehensive range of mobile money

services, such as mobile wallet, merchant payments,

bill payments and airtime top-up, PayMobile embeds

advanced financial service capabilities to manage the

creation, distribution and support of insurance, savings

and loans products.

*: forecast

in remittances are expected to have been sent by migrants to developing countries in 2015 2017

373 392 404 436

In billions of dollar

440 459* 479*

2011 2012 2013 2014 2015 2016

US$440 billion

International remittance & interoperabilityPayMobile natively interfaces with the HomeSend global

payments hub a joint venture of MasterCard, eServGlobal

and BICS. HomeSend is a market leading solution which

enables cross-border transfer between mobile money

accounts, payment cards, bank accounts or cash outlets

from anywhere in the world, regardless of the users location.

The combination of PayMobile’s

features with a HomeSend®

service contract provides

a solution for domestic interoperability between

mobile money deployments, enabling cross-operator

transactions to boost the growth of the mobile money

business.

7.3 billionmobile connectionsglobally, of which5.7 billion are indeveloping world

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Mobile Money in practice

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Micro finance

Cash-in/out

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An easy to use solution for any mobile devicePayMobile can be accessed from any handset with

solutions for both traditional handsets (via USSD, USSD

menu browser, SMS, STK) and the latest smart phones

including smartphone applications, QR codes and

contactless compliant devices (NFC).

Smartphone ApplicationeServGlobal has developed a smartphone application

which is available on iOS and Android. This application

has been designed for use by both the mobile money

subscribers and the agents to facilitate access to

the service (cash in/out, domestic money transfers,

payments, recharge prepaid accounts, check balances,

transactions history, actor registration).

Security & compliance◊ Code protected transactions

◊ Data encryption: STK, phone application

◊ Web access over HTTPS

◊ Limits on transactions by period/user

◊ Transaction tracking & reporting

◊ Blacklisting & fraud countermeasures

ReportingeServGlobal’s solution embeds reporting capabilities

to provide information on the agents’ global activity,

inventory and detailed delivery transactions. This solution

can be extended through an enhanced reporting module.

Software Oriented ArchitectureThe eServGlobal solution is based on a Software Oriented

Architecture (SOA) easing integration with different

external systems and offering a flexible environment to

develop the software.

Integration in the mobile money ecosystemeServGlobal’s solution can easily integrate within a

complete mobile money ecosystem including:

◊ Merchant devices: POS, Kiosk. PayMobile exposes

secure API for these connections

◊ Banking environment:

• ATM through the secure API or ISO8583

• Core Banking System via ISO8583 protocols

◊ Telecommunication ecosystem

• SMPP to integrate SMS Gateway with

telecommunication operator SMS-C

• SS7 or SIGTRAN to integrate USSD Gateway with

telecommunication operator MSC/HLR

◊ Websites via secure https connections

billionGrowing number ofmobile money servicesin emerging markets

3864

116

179

219256 263

20152009 2010 2011 2012 2013 2014

Flexible serviceseServGlobal provides flexible service agreements to

ensure a quick ROI, while simultaneously delivering an

even faster time to market. eServGlobal provides high

availability, DRC 24x7 technical support services.

ScalabilityOur solution can adapt to all types of service providers,

from new companies that need low footprint solutions to

the substantial needs of global giants.

Mobile Money & Mobile Financial Services

eServGlobal has developed an easy-to-use web-based

application to create and manage promotions. The self-

service Advanced Customer Adoption (ACA) module

enables service providers to deliver targeted, customised

and timely promotions, and rewards, each with a quick

turnaround time to market. With a step-by-step approach

to launching a promotional campaign, service providers

can simply import or configure eligible customer lists,

which will help drive the right strategy to achieve the most

effective results.

Free trial access

Enables service providers to try the module, for a limited

period, for free and without engagement.

◊ No HW, no SW to be installed, 100% cloud-based

◊ A platform 100% dedicated to your team

◊ 4 weeks duration, start upon platform availability

◊ Simulation only, no integration within your existing

network

◊ Under NDA

Percentage of developing markets withmobile money services(december 2014)

Europe and Central Asia14%

East Asia and Pacific63%

Latin America and The Caribbean65%

Middle East and North Africa46% South Asia

75%

Sub-Saharan Africa

81%

Advanced Customer Adoption Module

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