15-May-15

Company overview

Fortumo background

• Founded in 2007

• Mobile operator billing in 88 countries

• Offices in Europe, US, China, India & Singapore

• Team of 70+ people

• Backed by Intel Capital & Greycroft Partners

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Fortumo is used by…

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Mobile operator billing:

bigger coverage than credit cards

• 5 billion mobile phone users worldwide, only 1.5 billion credit cards

• In emerging markets, the difference can be up to ten-fold

• Without mobile payments, you are missing out on payments from more than 3 billion people

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Gap between mobile phone owners &

credit card owners is growing quickly

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Worldwide Mobile Phone Users: H1 2014 Forecast and Comparative Estimates

http://www.emarketer.com/Article/Smartphone-Users-Worldwide-Will-Total-175-Billion-2014/1010536

World Bank Global Financial Inclusion database

http://www.gallup.com/poll/154340/credit-cards-formal-loans-rare-developing-countries.aspx

Smartphone Owners

Credit Cards

2012 2013 2014 2015 2016 2017

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Mobile operator billing:

better conversion than credit cards

• User doesn’t need to enter

any information

• User doesn’t need to sign

up for anything

• Up to 10x better conversion

due to a simpler payment

flow

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Fortumo is the “glue“ for payments in emerging markets

• Developed Markets Model • Emerging markets model

Content / Services

USERS

CARRIERS

USERS

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• Integration: Your developer integrates Fortumo’s billing service with your product using either the

HTML5, API or SDK.

• Purchase: Your users clicks to make a purchase, Fortumo checks which of its 300 mobile operators

the end-user is connected to and finalizes the payment with the operator

• Settlement: The user then receives their purchased items or services, pays their phone bill at the

end of the month and after this the money is transferred to the developer

How does carrier billing work?

Developer

integrates Fortumo

User purchases

goods

Fortumo processes

payment

User receives

goods

Fortumo pays

developer

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Why Fortumo?

Global coverage in 88 countries

• Largest coverage out of all

mobile payment providers: 80+

countries

• Widest reach through one

integration

• Especially strong in emerging

markets in Europe, Asia,

Americas, Middle East & Africa

• 300 mobile operators plus

group-level partnerships with

Telefónica, Telenor, China

Mobile & others

• Full overview of countries &

operators:

http://fortumo.com/countries

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Capability to bill users on any platform

• Cross-platform payments

• Native in-app payments

– Android

– Windows Phone & Windows 8

– NOOK

• Direct carrier billing API

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Fortumo works perfectly for...

• Mobile apps & games

• Online services

• Downloadable software

• E-books

• Payment aggregators

• Music & video services

• Social networks

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• Turn-key connectivity: launch 80+ countries with one

integration

• Works on any device: web, tablet, smartphone,

feature phone or smart TV

• Supports 45 currencies and 32 local languages

• Automatic device recognition and optimized UI for

each platform

• Supports sale of virtual credits, single items &

subscriptions

• Automatic number detection on mobile devices &

repeat purchases

• Mobile-friendly, supports HTML5 and can be called

from inside mobile apps

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Cross-platform web payments

• Charge for freemium features within your app with Fortumo industry-leading native in-app purchasing SDK

• For selling credits, virtual items, access to content (subscriptions)

• Works in all Android app stores (including carrier & device manufacturer stores)

• Support for both online and offline payments

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In-app purchasing on Android

• Charge for freemium features within your app with Fortumo’s industry-leading native in-app payments SDK

• For selling credits, virtual items, access to content (subscriptions)

• One integration & SDK works for both Windows Phone & Windows 8

• Modern UI for familiar payment experience

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In-app purchasing on Windows Phone

Direct Carrier Billing API

For integrations and white-labeling that give

you full control over the payment flow and

user experience

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Payment experience on web

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Step 1: User

selects items

for purchasing

Step 2: User

enters phone

number (skipped for

repeat purchases –

number is recalled from

database).

Step 3: User

receives PIN via

SMS, enters it.

Payment

confirmed,

items

transferred to

user.

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Payment experience on Android

Step 1: User

selects items for

purchase

Step 2: User

confirms payment

Payment

confirmed, items

transferred to

user.

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Payment experience on Windows Phone

Next Steps • Set up an account at Fortumo.com • Integration • Fortumo coordinates approvals • Start making money

Questions: [bd@fortumo.com]

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