1

Mobile banking solutions

How to effectively explore benefits, loyalty and payments on mobile industry.

Mobile Landscape

WarplyEngage

Platform

HCE Wallet & Other Banking

Products

Warply

Bank Wide Loyalty & Benefits

Application

Who we are

64 6 260% 42

Clients

From fast growing sectors, such banking,

retail, travel and operators

Team members

Employees and partners around the world

Countries

That we are currently operating, including Greece, Cyprus, India,

Romania

Growth

Year over year, during the last

three consecutive years

Execute communication plan, evaluate and optimize

Formulate your loyalty scheme logic, including forecasts for liabilities, redemption and subsidization

LOYALTY CONSULTING

UI/UX DESIGNDevelopment services to build your state of the art front and back end assets

Study UX requirements and apply UI design for your consumer facing assets

COMMUNICATION STRATEGY

Help you build your communication objectives and pillars

SOFTWARE DEVELOPMENT

COMMUNICATION EXECUTION

INTEGRATIONSupport integration with 3rd party platforms and systems

Services

Suppliers InsuranceRetailBanking

Industries

Ordering PublishersOperatorsGames

ISO 27001

Certified for followinginformation securitymanagement system

standards

PCI - DSS

Certified for following Information security

standards

VISA

Visa developer partner

MastercardMasterCard

developer partner

Certifications

MobileMarketing

Association

Association forFinancial

Technology

International Advertising

Bureau

Founder Institute

Associations

Mobile Landscape

WarplyEngage

Platform

HCE Wallet & Other Banking

Products

Warply

Bank Wide Loyalty & Benefits

Application

Mobile statistics

Mobile App UsageNew apps

Mobile orders, transactions and booking per day

80%

35%

Mobile App UsageSocial

Mobile App UsageMessaging

20% 35%

Of mobile Time is spend on apps

Web traffic from mobile

App usage in ages 45+

Native apps x6Brand

Favourability

15%

60% 65% 15K

Smartphone penetration

4% 6% 8%13%

20%28%

37%44%

50%54%

59% 62%66% 69%

0

18

35

53

70

88

2007 2010 2013 2016 2019 2022

*Ericsson Mobility Report

Messaging mobile app users

1.07Bn

1.40Bn1.61Bn

1.81Bn2.00Bn

2.19Bn

0.0

0.6

1.1

1.7

2.2

2.8

2013 2015 2016 2018 2019 2021

Users (in Bn)

*Statista.com

US Mobile Commerce forecast (sales in $ Bn)

$213Bn $231Bn $234Bn $242Bn $253Bn $252Bn

$35Bn$43Bn $51Bn $60Bn $69Bn $79Bn$80Bn$99Bn

$119Bn$138Bn

$158Bn $173Bn

0

150

300

450

600

2015 2016 2017 2018 2019 2020

Desktop Tablet Mobile

*www.forrester.com, Multiscreen Shopping Experiences And Key Partnerships Drive US Mobile Commerce

Time Spent (per adult per day) on Mobile

2.2h 2.3h 2.4h 2.6h 2.5h 2.3h 2.4h 2.4h

0.2h 0.3h 0.4h 0.3h 0.3h0.3h 0.3h 0.4h0.3h

0.3h0.4h

0.8h1.6h 2.3h

2.6h2.8h

0

2

3

5

6

2008 2009 2010 2011 2012 2013 2014 2015

Ho

urs

Desktop / Laptop Other connected devices Mobile

*eMarketer 4/15

Most used mobile banking applications

84%

62%

57%

54%

43%

40%

35%

8%

6%

0 20 40 60 80 100

Checking balance of your account (s)

Check statement history/payment history

Transferring money between accounts or …

Deposit money into account

Flash balance / quich checks

Paying bills / Payees

ATM / branch finder

Payment contacts

Setting up standing orders and direct …

* Market Force, November 2104, The Financial Brand

30% DownUsing physical banking

locations less

33% UpUsing their mobile

app more

35% UpUsing a bank’s website or

Online portal more

* Chase Bank/Braun Research, June 2015 The Financial Brand

Transformation of banking transactions, 2015 vs. 2014

Mobile landscape

47% smartphone penetration worldwide

44% usage of mobile data

76% of word smartphone users use social media networks

3h/day per user @ mobile

80% of time spent on apps

30’ spent per day on messaging apps

40% mobile banking penetration globally

Mobile Landscape

WarplyEngage

Platform

HCE Wallet & Other Banking

Products

Warply

Bank Wide Loyalty & Benefits

Application

MARKETING AUTOMATION

PLATFORM

An end to end marketing platform that helps leading publishers to drive in-store traffic, mobile engagement and sales.

AD EXCHANGE

A programmatic platform that allows advertisers to access in-aisle mobile advertising opportunities at retail locations

mCOMMERCEPLATFORM

Facilitate mCommerceactivities through a complete cloud solutions which includes payment gateway, tokenization, benefits and loyalty modules.

What we offer

CRMManage your customers

Tokenization & PaymentsTake advantage of “Warply Pay extension”

Benefits & CouponsCreate and delivery eCoupons to your customers

Loyalty SchemeCollection and

Redemption process

Campaign ManagementUse of “easy to build”

campaign editor and set up communication delivery

options

Beacon enabledMove your in-store experience to next

level

Warply Engage 2.0 Platform

Edit and manage user details

Retrieve user informationand have overall behavioral and transactional history

Search for user detailsby his loyalty ID, email, device id or other unique element

Create similar audiencesbased on the selected user profile

1

2

3

4

CRM

Analyze insightsAnd take optimization actions based on automated proposal

Monitor performanceFrom ready made analytics and custom dashboards

Connect you digital assetsIncorporate tracking and event scripts to websites, add Warply SDK to mobile apps and connect to beacon devices

Use events as criteriawhen you create target audience

ance Retail

Real-time event tracking

1

2

3

4

Receipt data produced during consumer basket checkout at 3rd party merchants

3rd party merchants

Store walk-in data when entering retail stores or ATMs via wifi/ bluetoothbeacons

Walk-in dataData produced during

electronic payments(POS EFT existing modules)

POS data

Omni-channel event collection

or import a custom listor customer id, emails or other unique element

Combine targeting criteriafrom a list of behavioural data, tags, events and other 3rd party data

Select the database to create audience

Get real-time population results

Audiences

1

2

3

4

Interact with product

Live feedback

Real-time communication

Walk-in and customer path data

Beacon enabled

Low-cost piece of hardware

Use battery-friendly, low-energy Bluetooth connections

Transmit messages or prompts directly to a smartphone or tablet

Rich campaigns on user’s phone, when he comes into the salon – let him know about offers & products recommendation

Further customizationUsing real time editors for html, css and JavaScript files

Upload your custom assets and drop and drop from editor

Campaign typeSelect among various campaign types, i.e. full screen, prestitial, coupons, geolocation etc.

Test your campaign

Campaign management

1

2

3

4

Preview your campaignCheck your campaign and the experience

Delivery typeSelect among email, push notifications, silent notifications and SMS delivery

Input messagesCustomized messages for different platforms

LaunchSet start and end dates, schedule sends outs and target audience

Communication management

1

2

3

4

Generate your coupon codesUpload a preset list of couponsSet validation criteriaDeliver coupons via mobile or web

Pair with terminal for validation

barcode QR code wireless communication

numeric code input

167821

m-Coupons

Scan the QR codeGet 20% discount

Exp. Date04/06/2016

mPayments

ReportsGet instant insights and reports of the performance

Multiple storesSupport multiple store under one entity

ProcessingFacilitate payment process

Logstrack of all activity related to your commerce entity

1

2

3

4

Mobile Landscape

WarplyEngage

Platform

HCE Wallet & other Banking

Products

Warply

Bank Wide Loyalty & Benefits

application

Bank Wide Loyalty

Reduce churn Reward behavior Attract new customersCross-sell

Loyalty scheme - Benefits

Collection Loyalty logic

Redemption Communication & Campaigns

Personalization

Personalize via personas Levels to create a non-flat loyalty programReward users based on their behavior

Levels Leaderboards Challenges Badges

Collection options

Collect loyalty points from overall activity and interaction with the bank, its services and products.

Deposit Accounts Transactions Debit & Credit Cards Loans

Investments & SavingsBank assuranceSpecial Circumstance

Redemption options

Redeem loyalty points to a wide variety of own products and services and collaborating parties.

Grocery store Travel Gas Carriers

CharityE-shopsElectronics Insurance

Bank Loyalty App

Benefits scheme inline with todays customer needs and trends

Business partners able to self-onboard

Users benefit from participating in the bank’s loyalty program

Personalization based on users’ preferences

Creating & Launching of an application which will become the communication channel between Bank’s Business Partners and its customer base

User’s Profile

Summary of customers behavior

Grouping benefits by category

List of past purchases

Big variety of real time information within the user’s profile

Offer Wall

Show businesses nearby

Results in list or on map

Access to offer wall

Custom sorting based on user’s preferences

Search by area, merchant category & prize range

m-Coupons

Redemption of m-Coupon through mobile device

m-Coupons are available through application

Easy activation & deactivation of m-coupons

Mobile Landscape

WarplyEngage

Platform

HCE Wallet & other Banking

Products

Warply

Bank Wide Loyalty & Benefits

application

Host Card Emulation

HCE allows android devices to emulate NFC smart card without requiring a secure element

Secure Element

NFC Reader

Host CPU

NFC Controller

HCE does not require the device secure element

The data is routed to the host CPU on which Android applications are running directly,

HCE Wallet Description

Transmission of a signal to ask for payment

Request for payment

Response with token

Handle allcommunication

POS

Transaction events recorded to Warply certified platform to

trace history

APP

HCE Wallet User Experience

Verify transaction via code or fingerprint

The POS receives authorization

The transaction is processed and recorded

Input various credit cards

Select the desired cardto use in purchase

Pair with POS

>

Tokenization

Customer decides to complete a

purchase

Credit Card details sent to Warply Pay

vault without passing through

merchant

The merchant saves token for this

and any future transactions

Customer enters credit card details

Warply securely saves card details and

returns a token to the to merchant

Social Payments through custom keyboard

Type transactionamount

Verify via code or fingerprint

Sent transaction url

Install payment input method

While chatting switch to payment input method

Authenticate account

Custom co-branded Credit Card products

Target high value customers

Synergies with partners

Build long terms relationships

Run open loop programs

m-Ticketing

Order

Pay

Obtain

Validate

Real-time control

Chatbot Banking

Report a lost card

AI detects phrases similar to ones predefined

Deliver your content with no additional effort

Chatbots are the new apps

Handle repetitive routine transactions

Receive and submit information

Thank You/warply

@warply /warply

info@warp.ly@