Secure & Mobile -

Financial Exchange

October 2015

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The global Messaging trend and the FinTech industry,

outgrow traditional business in the FS sector.

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100%

192%

320%

617%

844%

100% 104%125%

208%

566%

76% 77% 87% 95%

2011 2012 2013 2014 2015

Mobile Messaging MAU* FinTech Relevance** NYSE Avg. Trading Volume

*Combined #MAU of: Whatsapp, FB Messenger, WeChat, Skype, Snapchat, Viber, Line, Kakaotalk** Google Trends for “Fin Tech” and “Fintech”

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• Facebook launched its friend-to-friend payment feature,

FM set to incorporate traditional payment services

• LinePay offers P2P, mobile payments and online shopping

• How to compete with tech-startups before they

cannibalize the market?

Messaging apps partner up

to enter the finance industry

Mobile is the trending

access channel

Mobile offers various

informational benefits

• Mobile banking has grown 75% from ‘11-’14

• Convenient access is a key differentiator and a must-

have for 18-24 year old clients

• How to develop a reliable mobile platform,

compatible with the existing infrastructure?

• Gather contextual information from your clients

• Integrate white-label financial technology into commonly

used application and services

• How to utilize the behavioral data generated by

smartphones to engage the customer efficiently?

Three reasons, why a focus on mobile/messaging is

relevant for todays financial service industry.

Our vision – Supply the infrastructure for context-based

financial systems and live interaction.

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How to use messaging as a

financial service USP?

How to protect my client’s

sensitive information in a

mobile infrastructure?

How to use mobile devices

to enhance the customer

experience?

White Label Messenger

Secure

encryption

Instant

Messaging

Content &

Data Sharing

Performance

by design

Exclusively designed for large

organizations, covering a vast

feature bandwith while

providing an open platform.

Introducing MDK: a white label infrastructure for

context-rich applications on mobile devices.

Highly scalable infrastructure,

capable of absorbing any

growth needs and designed to

seamlessly integrate with third

party services.

High quality data throughput

and storage infrastructure,

minimizing data loss and

supplying on-the-go hosting

scenarios.

All communication and data is

encrypted and hosted, using

industry security standards, to

prevent privacy and data breaches.

Emphasis on geolocation services

to allow for unique application

scenarios in the geofencing

context.

Process payments and support

mobile transactions through third

party payment wallets, such as

Google Wallet or PayPal.

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MDK – One messenger infrastructure to enable use cases

for various requirements.

B2B

Secure internal

Communication.

B2C P2P

Community

content platform.

Use Case I

Convenient & mobile

customer interaction.

Use Case II Use Case III

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Use Case I: Professional Messenger –

Secure mobile communication for corporations

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Content Sharing

Share every type of data /

document imaginable

Encrypted cloud storage

Upload ticker data, contracts or

trading information

Disseminate content to multiple

colleagues at once

Cooperate on shared files

Individualization

Configure access restrictions

through secure authentication

Rely on save biometric or

multi-factor identification

Template based or

personalized design

Implementable into every

legacy system

Messaging

Reach out to your colleagues

or bank contacts

Receive context-dependent

notifications, e.g. trade triggers

Discuss current market trends

or regulations in groups

Work and edit content right out

of the messaging environment

Security & Performance

Safely end-to-end encrypted

SSL / https connection for

maximum user data security

Resilient & scalable design,

withstanding peak loads

Multi-layered API coupled with

clustered server architecture

On-Premise hosting supported

1

3

2

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Use Case II: Integrated service offering –

Mobile convenience for your client

Security & AuthenticationEnd-2-End Encryption + Biometrics

Ensures highest data safety

Instant MessagingHabitual + Engaging

Cater to users’ interaction needs

Compatibility & 3rd PartiesSeamless Integration + White-label

Use MDK in your legacy system

Mobile BankingContent Features + Availability

Captivate users with features

Flexibility & On-PremiseData processing + Storage options

Choose own Hosting or SaaS

AnalyticsInformation + Control

Tie users closer to the brand

Corporate Functionalities

End - User Functionalities

Core Target Group

FS Companies

without a mobile solution

with an existing application,

wishing to add functionality

Non-FS companies

Looking to expand into the FS

sector

Requiring mobile payment

processing

MDK’s Advantage

MDK allows seamless integration of a

white-label messaging infrastructure

into companies systems, building on the

ubiquitous user expectation of instant

communication.

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Use Case III – Finance with Friends –

A social platform for content & conversations

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1st Level

Form groups and forums to

spread & discuss news

Share content & data with

other members

Poll users and plan online &

offline events

Switch between public and

private messaging2nd Level

Compare and compete

personal portfolios

Incorporate review systems for

products and companies

Receive discounts for family &

friends referrals

Create a tiered user structure

for a loyalty program

3rd Level

Facilitate P2P transactions

between users

Coordinate lending/borrowing

activities between users

Reward high engagement with

real-life benefits

Rebuild your assets to resemble

community strategies

MDKs feature set is to provide opportunities to build

messaging platforms and allow third party integration.

MessagingSend text, audio, picture and video

messages to single contacts or groups.

User ProfilesProvide complete user profiles,

including customisable themes and

third party social media integration.

Location ServicesShare specific location data and geo-

tag messages by activating the

location services functionality.

Content & Data StorageSecurley upload, store & send content

within the MDK infrastructure or

through third party services.

Authentification & VerificationSecured user authentication via

validated phone numbers or social

media profiles.

NotificationsPush notifications for messages and

events to specific contacts or groups.

VOIPTransmit voice data and set up

mailboxes for missed calls.

Third Party Services Integrate third party content platforms,

such as YouTube and allow sharing of

internal data to outside web properties.

EventsCreate and manage events for private

and public audiences.

Polls & RemindersAllow the creation, sharing and

exporting of context based polls and

reminders.

Streaming & ConferencingStream video and voice live to follower

audiences or within a private and

secure environment.

Location Search & DiscoveryImplement any number of location

based search and discovery features.

PaymentsSend and receive money through third

party payment wallets, such as Google

Wallet or PayPal.

Content PlatformsBuild a content platform and

marketplace, to allow the exchange of

user generated content.

Voice RecognitionTransform audio into text.

Follower ChatsEnhanced administrative capabilities

for VIPs, themes and events.

AnalyticsAdvanced user administration and

analytic capabilities.

Translation ServicesEnhance your communication

capabilities with translation from

services such as Google Translate.

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The MDK architecture – Providing a full stack mobile

environment solution.

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2

3

4

2. MESSAGING BACKEND

Highly available server cluster

3. SERVER INFRASTRUCTURE

Lightweight communication

protocol based on MQTT

1. MESSAGING PROTOCOL

Client integration via APIs

and cross platform SDKs

4. CLIENT INTEGRATION

Highly scalable messaging

application server

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The MDK architecture is flexible and designed to

integrate third-party sources and content providers.

MDK Services

Databases

Messaging

Third-Party Services & Content

Providers

Cloud based On-premise

ContentPayments

Profiles Notifications ...

Analytics Administrative Services

MQTT / HTTP API

MQ

TT

/ H

TT

P A

PI

Multi C

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essagin

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Financial

Services

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US Office

101 West Broadway, Suite 110,

9101 San Diego, California, USA

German Office

Borsigstraße 9

10115 Berlin, Germany

MDK Labs GmbH

Kilian Thalhammer

Email: kilian.thalhammer@mdk.io

Phone: +49 160 47 84995

Russian Office

Sheremetyevskaya 6 bld. 1

129594 Moscow, Russia

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