1. Monitise:
Mobile Banking & Payments –
Winning the Battle for Consumer Engagement
Paul Reynolds Conrad Bali, Indonesia
VP Business Development 8-10 October 2012
© 2003 – 2012 Monitise plc. All Rights Reserved.

2. 2
The Mobile Money Market
863m
NFC-enabled
phones forecasted
for 2015
3
$1 trillion
Global mobile
transactions predicted to
grow to $1 trillion
by 2015
2
2.5bn
Currently unbanked
m-commerce
consumers with no
financial access
1
m-payments
m-banking
894m 50% 500m
500m people
m-banking users of all Visa transactions
worldwide to use their
predicted in Europe will be on a
mobiles as metro &
globally by 2015 mobile device by 2020.
4 5 bus tickets by 2015 6
Source 1: Financial Access initiative October 2009 Source 4: Berg Insight, mobiThinking, April 2010
Source 2: Yankee Group June 2011 Source 5: Peter Ayliffe CEO Visa Europe
Source 3 : Frost & Sullivan, January 2011 Source 6: Juniper Research July 2011

3. 3
The Challenge - Banks Are Losing Mindshare
would prefer to use Paypal
50% over their primary bank as a
mobile wallet provider
80%
would prefer to use Google
over their primary bank as a
30%
mobile wallet provider
would now consider
would prefer to use Apple Paypal for banking
over their primary bank as a services if they were
30%
mobile wallet provider offered
Source: Carlisle and Gallagher/Tower Group-CEB study US consumers 2012
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
3

4. Convergent Commerce
Realising the opportunity for mobilising their businesses, major industry players from
each ecosystem are migrating services to the middle to capture commerce
Financial Institutions Mobile
• Banking/ Alerts • Mobile Prepaid
• NFC/ Remote • Remittances
• Offers • App Markets
• Remittance • NFC/ Private Label
• Remote Direct Bill
Convergence
Social Media and Retail Transport
online advertising Ticketing
• Mobile OS • Mobile Checkout
• Marketing Apps • NFC/ Proximity
• LBS Services • BarCode/ Text Purch
• Networking • Offers/ Promotions
• Offers • Shopping Apps/
Mobile Web

5. Worst Case Scenario for Banks- Disintermediation
Fee Income=$0
Funding Transaction (DD)
Interchange $
Transaction Data
Purchase
Interchange $
Transaction Data
Loyalty
Purchase
Relationship??
Merchant Merchant
© 2003 – 2012 Monitise plc. All Rights Reserved.

6. Battleground for consumer engagement
There are many brands and industries competing for customers’ mobile attention
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
6

7. Battleground for consumer engagement
Underneath is an ‘enabler’ battle ground to provide service to enable mobile money
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
7

8. The ‘enabling’ landscape: Where to start? 8
m-banking enablers m-payment enablers m-commerce enablers
Mobile Marketing / Advertising
FS Mobile Software Specialists NFC Specialists
mWallet Providers
Banking System Providers
Content
Aggregators
PSPs
Banking & Card Processors
Mobile Hardware /Software developers
Hardware Manufacturers
Adjacent Sector Specialists
Adjacent Sector Specialists
App Specialists
MNO service providers
Mobile Messaging
Tech. Specialists
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
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9. Understand your customer mobile needs & wants

10. Product Roadmap
Defend bank’s position with
core services
Account Transaction
Management Alerts
Alerts: Balance &
Bill Pay
Threshold
MOBILE
Location & MONEY Person to Person
Branch Services Payments
PLATFORM
Contactless
Online Checkout
Checkout
DEFEND: Enabling banks to
Stay competitive against other
banks and non-bank players.
EXTEND: Deepen customer
engagement & gain new
Revenue streams by offering
non-traditional banking services.
© 2003 – 2012 Monitise plc. All Rights Reserved.

11. Product Roadmap
Extend the bank’s role Premium Customer
Differentiation
Card Not Present
Authentication
in the Mobile Money
Mobile Account
future Opening
P2P to any ID
Business International
Banking Remittance
Account Transaction
Management Alerts
Cardless Cash
Alerts: Balance & Charity
Withdrawal Bill Pay
Threshold
MOBILE
Access Packaged
Benefits
Location & MONEY Person to Person Prepaid / Virtual
Card
Branch Services Payments
PLATFORM
Remote Deposit M-Invoicing &
Capture M-POS
Contactless
Online Checkout
Checkout
DEFEND: Enabling banks to
Location Based
Stay competitive against other Offers
Buy Tickets
banks and non-bank players.
Loyalty & Rewards Insurance
EXTEND: Deepen customer
engagement & gain new National & Local
Offers
Mobile Market
place
Revenue streams by offering
non-traditional banking services.
© 2003 – 2012 Monitise plc. All Rights Reserved.

12. A smart partner provides mobile money expertise, a
scalable platform and access to networks
What to look for in a smart partner
• Scalable platform & network connections
• Ability to create a differentiated offerings
• Future roadmap features enables via a single integration, including mobile commerce
Retailers
Travel Card & Loyalty
Providers Mobile
Operators
Card
Processors
Foreign
Exchange &
Insurance
Ticketing
Payments
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
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13. 13
What does success look like?
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.

14. Case Study RBS Group: Exceptional customer numbers
Leading UK retail bank with 12 million customers – needed to be
seen as innovative
Popular amongst business customers Speed to market. Commercialisation of mobile
who access their accounts: Monitise launched 6 brands on channel via cross-sales - growth
55 times per month via app 3 devices and with of savings accounts on mobile
14 times per month via IB 12 propositions (1 per month) faster than on IB
The customer adoption curve is constantly on the increase:
Launch 15 months

15. 14
Conclusions
Defend & Extend Partnership Local-Global
Mobile Money is at a Delivering your Payments & Commerce
‘tipping point’ and the Mobile Money capabilities need local &
disintermediation roadmap requires global integrations to
threat is a real one smart partnering meet customer demand
Working with Monitise enables banks to
win the battle for consumer engagement
Our best-in-class platform and unique
network approach deliver pragmatic
services for today, with a clear line of
sight to the future.
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.

16. Paul Reynolds VP Business Development, Asia Pacific
© 2003 – 2012 Monitise Group Limited. All Rights Reserved. Confidential.
16 Paul.Reynolds@monitise.com monitise.com