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The Mobile Money Landscape
                                                                                         by mPay Connect, Inc.


                                                                                                         Mobile Money




                                   Mobile Payments                                                      Mobile Financial                                         Mobile Value-Added
                                                                                                           Services                                                   Services

                                                                                                  Mobile Banking:
                                                                                                                                         Other Products
                                                                                                  Deposit Account



B2B             B/G 2C                   C2B                  P2P              Bill Pay              Transactional    Informational             Credit         Savings Insurance                   Promotions
• Replace    • Salary          •   Retail payments at •       Domestic Money • Utility bills      • Bill Pay         • Account Balance        • Micro-finance • Micro-savings • Micro-insurance   •Advertising
cash in       disbursements        store POS (contactless     Transfer       • Small businesses   • Brokerage        • Transaction History    • Loans         • Savings Acct • Insurance          •Loyalty
supply chain • Expense             payments)              •   International  • People             • Remote Deposit   • Real-time                                                                  •Couponing
               Reimbursements •    Mobile remote              Remittances                           Capture            Alerts                                                                     •Promotions/Offers
              and per diem         purchases (e.g. eBay or                                                                                                                                        •Shopping Assistant
             • Pensions,           digital goods)
              benefits, and    •   Micropayments on                                                                                                                                          © mPay Connect
              conditional cash     mobile network
              transfers            operator bill
                               •   mPOS – mobile phone
                                   as POS reader




                                                                                                                                                             ©mPay Connect, Inc.
                                                                                                                 1                                           info@mpayconnect.com

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Landscape and Framework of mobile money

  • 1. The Mobile Money Landscape by mPay Connect, Inc. Mobile Money Mobile Payments Mobile Financial Mobile Value-Added Services Services Mobile Banking: Other Products Deposit Account B2B B/G 2C C2B P2P Bill Pay Transactional Informational Credit Savings Insurance Promotions • Replace • Salary • Retail payments at • Domestic Money • Utility bills • Bill Pay • Account Balance • Micro-finance • Micro-savings • Micro-insurance •Advertising cash in disbursements store POS (contactless Transfer • Small businesses • Brokerage • Transaction History • Loans • Savings Acct • Insurance •Loyalty supply chain • Expense payments) • International • People • Remote Deposit • Real-time •Couponing Reimbursements • Mobile remote Remittances Capture Alerts •Promotions/Offers and per diem purchases (e.g. eBay or •Shopping Assistant • Pensions, digital goods) benefits, and • Micropayments on © mPay Connect conditional cash mobile network transfers operator bill • mPOS – mobile phone as POS reader ©mPay Connect, Inc. 1 info@mpayconnect.com