Obopay has developed a mobile payment platform that allows users to transfer money, pay bills, and make purchases using their mobile phones. The platform supports various mobile technologies and can integrate with existing banking and payment infrastructure globally. Obopay sees opportunities to expand its services to new markets and use cases, such as mobile money transfers, merchant payments, and interoperability between countries.

1. Integrating with Existing
Infrastructure

2. Mobile Payment: Market Segments
% of Payment Volume by Market Segment % of Payment Volume by Market Segment
2009-2010 2014
• Mobile Money (Wireless Money):
- Fastest growing in emerging markets where low bank and card usage. (mPesa, Obopay)
•Digital Content (Carrier Billing)
- High growth but economics (fees and payment timing) make it difficult to scale to other segments.
•Retail Acceptance (NFC)
- New and traditional actors providing solutions. Long roll out. (Visa, Isis, Square, Verifone)
Source: NFC Value According to Juniper. Digital Value: According to Gartner. Mobile Money Value: Credit Suisse Mobile Industry Overview
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3. Retail Electronic Payments in India 2009-2010
(RBI) No. 9A: Retail Electronic Payment Systems (in Millions)
Electronic Clearing Services (ECS) Card Payments#
National Electronic
Total Electronic Funds Transfer
Month/ Year Payments NECS/ECS (Credit) ECS (Debit) (NEFT/EFT) Credit (18.3mn Cards) Debit*(181mn Cards)
1 2=(3+4+5+6+7) 3 4 5 6 7
Number Amount Number Amount Number Amount Number Amount Number Amount Number Amount
2009-10 718.16 $ 152,197 98.13 $ 26,136 149.28 $ 15,450 66.34 $ 91,002 234.24 $ 13,739 170.17 $ 5,871
Consumer Expenditure in 2010 $952 Billion
Electronic Payments in 2010 $152 Billion
Cash Payments in 2010 $ 800 Billion
GDP in 2009-2010 was $1.430 Trillion
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4. Obopay Has leveraged Bank and Payment
Infrastructure Globally
Obopay’s strong partnerships, best of breed functionality and differentiated
technology will enable it to begin rolling-out of its services around the world
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5. Product Evolution
Classic P2P Initial Obopay Advanced Obopay Mobile Payment Solutions Today
Obopay Obopay Obopay
User User User
Prepaid Card Indirect Direct Wireless
Internet Prepaid Payment Payment
Banks Banks Carriers Internet
Card Networks Processors
Merchant ATM
Business Government ATM Merchant
Obopay Non- Obopay Non-
Obopay
User Obopay User Obopay
User
User User
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6. Mobile Money Service
Payment Handset Banks Telco’s Retailers Insurance Small Non
Providers Business Profits
Countries Capabilities
India Casual
P2P All phones
Load, link or transact Commerce Transact or unload
Kenya
Multi-
US network
Out of
Bank Bank
Senegal Cash
Acct Card Obopay Retail (POS E/M Obopay Cash
Acct Card network
and mPOS) Commerce
payments
+4 Very low
cost model
Topup, Bill
Pay Mobile
Check
Obopay has built a unique, hard to replicate platform and mobile technology to service
payment transactions across use cases, markets and geographies
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7. Mobile Money Technology Leadership
Mobile Assets Innovation Framework Universal Payments
 Universal Access  New use cases quickly and  Master Transaction Account/
 Consistent Experience efficiently Paypal model
 Mastered Security  Packaging  Link/transact to bank accounts,
 Embedded in web and other  Branding cards, payment networks
applications  Processing Rules  Create multiple options for
payment arbitrage
 Great User experience  Collaboration with external
systems  Bridge Payment ecosystems
and prepaid mobile account
option
Mass Market Drive volume/ Create Largest
Offerings profitability Network Effect
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8. Case Study: US
Market Market  Mobile prepaid and Virtual Money
opportunity  Youth and families
 SME short term, longer term Retail
 M-commerce
 Donations
Market  Send money anytime/anywhere instantly
Needs  Load/unload funds instantly from accounts
 Request payments from peers, clients
 Text to donate from bank or card
 Top up, bill pay, buy online
 Vertical solutions (disbursements)
Obopay Solution  Instant money transfer to anyone including
direct from bank account and cards
solution
 Get Paid for SME
 Web and mobile checkout, Facebook
widgets, Social Short codes
 Prepaid accounts and cards
Deployment  Mobile Money as a service for MasterCard,
Banks, Insurance, Major Retailers
 Domestic
 Cross border to Mexico
Opportunity  M-commerce, ecommerce, wallets
 International Remittances
 Long term retail
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9. MoneySend International
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10. Strategic Partnership : FIS Global
Payment
Processors
 When : 2008 Strategic Partnership
 Why FIS Global:
 Largest technology provider to Financial Industry
 Payment processing, online banking, bank back-office
 Services 14,000 Banks
 What : People Pay by Obopay
 Obopay is providing its platform to FIS banks with
customized branding, terms
 Obopay operates the platform
 How : Go-to-market
 Non exclusive agreement
 Distribution to community and regional banks
 FIS sales force
FIS and Obopay are bringing a rapid deployment solution
for Mobile Money to U.S. banks
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11. Debit network support
Star & NYCE
• Obopay added support for PIN-less debit and credit with STAR and
NYCE.
• Obopay’s suggested retail price for crediting a debit card is $.50 to
$50, above $50 is 1% with cap of $1
• Utility: Pay a person, the recipient gets immediate credit to their NYCE, STAR prepaid
card or NYCE/STAR connected DDA.
– Use case 1: transfer money to your child’s or another person’s bank account immediately
– Use case 2: Collect card payments with immediate, spendable money on your prepaid card or bank account
– Use case 3: Immediate funds transfer between your bank accounts immediately
– Use case 4: cheap and immediate p2p payment funding
Debit Network
Debits as a reseller
Debit card funded payments only
provide for cheaper…
Next day
settlement
Immediate, spendable money
Debits Debit
And networks
credits
or
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12. Get Paid for Business and Non-profit
Donate Now
Text UWCV to 48510
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13. Money Transfer and Social Payments
Mobile money
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14. Case Study: India
Market Market  693 MM adults, 584 MM subscribers,
opportunity 41% unbanked
 Annual consumer spending: $703B, 91% cash
Market  Cash replacement, convenience for small &
Needs essential payments (top up, bill pay)
 Cost and Time effective P2P solution
 Support for all phone types
 Agent distribution and cash in/out, to address
limited reach of banks networks
 Compliance with RBI regulations
Obopay Solution  EasyPay (Bill payment, top-up), EasySend
(EasyPay+ transfer, cash out)
solution
 Agent management platform
 Multi-bank solution
 Interoperability with ATM and National Switch
Deployment  Direct service: Mobile Money Services
 Distributed through Nokia agents
 Partnered with Two Retail Banks/Carrier
Agnostic
Opportunity Platform  Agent management platform
Additions  Bill Pay, Top Up solution
 Merchant platform
Future  Acquire smaller un-acquired merchants
growth  200,000+ Retailers as Agents
 Interoperability for consumers and merchants
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15. NEFT flow for Consumer
To Server: Transaction request
To Client: Status reply from the payment service. This should include
the Bank and Branch name corresponding to the submitted IFSC
code. The bank and branch name should be stored as part of payee.
Obopay
Start Money Client Money Client Money Client
system Sender
Customer selects “Send Customer provides Customer confirms System validates the A confirmation message
Money to Bank Account” recipient name, amount, the details and details and ensures is sent to sender that the
option and chooses to message and bank A/C provides his PIN to whether sender has NEFT request was
send money to a new/ details based on new/ authenticate the sufficient money in his initiated
existing payee existing payee. transaction account
On failure a Obopay System exchanges
message is sent file with the Bank
to sender
NEFT transaction
Sender processed by Bank
Success
On success
message is sent
to sender
Recipient
Recipient gets a SMS when he
receives money into his account
Bank Account Bank Account
Recipient gets direct credit to his Recipient gets direct credit to his
account through NEFT and visits account through NEFT and visits the
the nearest ATM to withdraw cash nearest branch to withdraw cash
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16. NPCI Consumer Flow
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17. ECS Consumer Flow
Load
Funds 2 3
1 ECS Load Obopay OPS
Funds Txn
FIRE Obopay DB Report
User application
4 ECS load requests
5 EC
Existing ECS S pro
cess
Process ing
6 ECS
c redit
s rec
eived
Obopay
S Bank
EC
ed
ail
s /F
Successful individual es
cc
ECS credit / Failure Su ad Successful ECS credit
8 plo 6.1
ECS Fee debit 7.1 eu (total amount)
Customer SVA Fil
7
7.2
ebit
CS d
ual E Consumer
Individ
Admin 9
BSA 7.3 Console
dit
cre ECS Parking Account Pooled Account
ee
C SF (debit total successful (credit total successful
r eE ECS amount from last
ilu and failure ECS amount
io S
Fa
at C
ECS Failure Fee Account mile credit to customer
ic E
from last mile credit to
n
tif ess
7.4 customer SVA) SVA)
no cc
Su
10
Successful ECS Funds
load confirmation plus
history and balance
update
FIRE ECS Refund Account
OPS+MAL 7.5 application (credit total failure ECS
amount to be refunded
to destination account)
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18. BSNL Solution (India)
18
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19. Case Study: Kenya
Market Market  39 MM people, 21 MM subscribers by 2011,
opportunity  80% + cash economy
Market  Replacement for cash for person-to-person
Needs and person-to-merchant transactions
 Convenient solutions for Bill Pay, Top Up
 Support for al phone types, agent distribution
and cash in/out
 Mobile Money part of competitive dynamics
between Telecom Operators
Obopay Solution  Agent management platform, stored value
account, money transfer, airtime top-up,
solution account management
 Viral customer acquisition (invite), Cardless
ATM withdrawals, deposit at the POS
 Dual language support
 Mobilized bank accounts
Deployment  Licensed platform with on-going revenue
share
 Operator distribution (YU), Partnership with
Equity Bank
Opportunity Platform  Agent management platform
Addition  Implementation experience in market with
low bank penetration
Future  Extension to Uganda, Congo, East Africa
Growth  Inbound Remittance
 Multi-Bank
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20. Case Study: Kenya
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21. Card less ATM Cash Withdrawal
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22. Load Unload Funds & Cash In/Out using CBS
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23. Bulk Payment Processing (Bulk Send)
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24. Bulk Payment Processing (Bulk Receive)
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25. Helping Partners Drive Innovation
Helping a mobile carrier - YU
in Kenya to sign up consumers
through 2000+ Agents in Kenya
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26. Case Study: Senegal
Market Market  13 MM people, 4% banked
opportunity  One of West Africa’s most dynamic mobile market (
37% annual growth)
Market
Needs  Solution for unbanked consumers
 Merchant payments (utilities, mobile, informal )
 Person to person transfers
 Cash in/out solution
Obopay Solution
 Stored Value accounts, money transfer, bill pay
solution  Agent network management
 Pooled account by Bank branch
Deployment
 Managed Service
 Distribution through Société Générale branches and
commercial partners network (CMS) and TIGO
(Mobile Network Operator)
 Société Générale and partners marketing, sales
Opportunity Platform Additions  Bank agent cash–in
 Localized Platform (Multiple Languages, Multiple
Currencies)
Future  Expansion to SSA, Eastern Europe
Growth  Advanced use cases for Eastern Europe
 Common operations across country hubs
 Europe to Africa and Eastern Europe Remittance
 Enterprise and Small Merchants
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27. Card less ATM Cash Withdrawal
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28. Obopay Confidential 28

29. Architecture
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30. Universal Access
SMS &
Hosted
NFC Proto IVR Mobile
API
J2ME
GPRS
Widgets
Smart
Phones
SIM
Toolkit &
USSD
J2ME SMS
Bearer
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31. Agent Framework for Extending Reach
Support for Multiple Distribution Networks
Regional Distributor MNO
Liquidity Management
Features
Registration
Know Your Customer
Cash – In
Cash-Out
Viral Cash-Out
ATM Card Distribution
Merchant Sign Up
Liquidity
Management
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32. Account model
Transaction Engine P2M
Association
Account
(e.g. Card On
File)
Authentication Device
Info Info
Real-time Direct Bank
Instruments Account
Credit Card (e.g. Citi, Yes)
Linked Transacting P2P
Real-time Association
Debit /ATM Account (s) Account Account
Networks (Load/Unload) (Send/Receive) (e.g. MCMS)
Prepaid
Non real-time Account
Instruments (Card-
ed/Virtual)
(e.g. ACH)
Program (e.g. eFunds)
Personal
Profile
Info
Info
Debit /ATM
Networks
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33. Customization & integration model
Consumer
Agent & Consumer Consumer
Consumer Merchant Agent sMerchant & sMerchant & sMerchant Consumer Consumer Consumer Partner Partner
Web Web Web Native GPRS J2ME/SMS WAP SMS/IVR IVR Prepaid Cards Mobile Web
5 Issuer
ISO8583
On Premise Program
IVR 4 Configuration
SSO (SP) 6 SSO (IDP)
Web
Billpay with
3 Billpay Agg Localization Services
Biller or Connector Customize
Aggregator
API
7 Payment
Connector's) APIs
Sockets
Topup with Settle &
Carrier or 2 Topup Agg
Connector
Reconcile
Customize
Aggregator Batch File
Receive 8 Batch File
Submit
HTTP/S
SMS with
Carrier or 1 SMS Agg
Connector
Reports
Customize
Aggregator Batch File
Submit 9 Batch File
Receive
Custom
Obopay Environment Partner Environment
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34. Integration Types & FI Partner Types
Integration Types FI Partner Types
Web Svcs ISO8583 Stored Value
Processors
Custom … PP Card
Processors
Direct Bank
…
HTTP/S Sockets
… Association
Networks
ATM/Debit
Networks
…
…
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