MOBILE FINANCIAL SERVICES

Making More Possible

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MAKINGMORE

POSSIBLE

NETinfo is a company specializing in thedevelopment and supply of Omnichannele‑Banking and Mobile Financial Services (MFS)

Solutions to the Banking and Finance Industry.

Our global footprint scopes over 28 countries worldwideand include implementations in Europe, America, Asia,Africa and the Middle East.

With our worldwide references and a leading edge inomnichannel e‑Banking and MFS technologies, NETinfocan guarantee the most innovative product on the markettoday, making us your number one choice.

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CompanyIntroduction

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NETteller MobileFinancial ServicesSolution

NETteller Mobile Financial Services Solution (alsoreferred to as Mobile Payments, Mobile Money orMobile Wallet) is a unique Mobile Payment Solution

that presents the banked and unbanked consumer with theoption to make real time money transactions through a mobiledevice.

Only one third of the global population currently has a bankaccount, with over half the unbanked population living in abranchless region or prefer to keep their money at home.

It has become apparent that there is a need to offer a safe andeasy payment solution that is easily accessible, flexible andaccommodating to the banking and unbanked consumer.

NETteller MFS is a reliable, convenient, and secure mobilepayment platform that supports any mobile phone, at any timeand from any location within cellular coverage.

Instead of paying for goods, or making payment transactionswith cash, cheque or credit/debit card, consumers can nowmanage their finances, make transactions and pay for goodsand services using their mobile phone.

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MAKINGMORE

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NETteller MFS is an alternative, secure payment service that is operatedunder financial regulations and entails financial and payment servicesthat can be enjoyed by both the banked and unbanked consumer.

ʻMaking More Possibleʼ

NETteller MFS allows the consumer to enjoy secure financial transactions thatcan be deployed through a mobile phone using any Mobile Network Operator.The Mobile Wallet is an independent payment service that can be enjoyed by anyconsumer, regardless of whether they have a bank account or not. NETteller MFS deploys the following services for the banked and unbankedconsumer:

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ServiceOffering

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REGISTRATION AND ACTIVATION

CASH‑IN (AGENT / KIOSK / POS)

CASH‑OUT (AGENT /KIOSK /POS / ATM)

BALANCE QUERY

RECHARGE PRE‑PAID ACCOUNT

MONEY TRANSFER PERSON 2 PERSON (NATIONAL / INTERNATIONAL)

MONEY TRANSFER ACCOUNT 2 ACCOUNT

BULK TRANSFER (SALARIES / ALLOWANCES)

PAY BILL

BUY GOODS

SELL GOODS

GIFT‑CARDS & COUPONS

LOYALTY CLUB MANAGEMENT

ACCOUNT MANAGEMENT

MICRO‑LOANS & INSTALMENTS

E‑COMMERCE THROUGH PORTAL

PROMOTIONS AND ADVERTISING CAMPAIGNS

EVENTS AND ENTERTAINMENT TICKETS

Furthermore, NETteller MFS Solution maybe expanded to include furtherapplications including; MFS PortalManagement and Near FieldCommunications.

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NETteller MFS consists of the following key modules that formulate thecomplete solution.

NETteller Administration ModuleAllows the MFS administrator to customize the set‑up of the MFS system tomeet with the rules, regulations, segmentation, features and services for thecustomer. This includes the setup of Groups, Menus, Functions, Access Levels,Customer Segmentation, limits, Channel Management (WEB, USSD, Mobileapps for android, Apple iOS, Windows) and the Configuration of the MFSSystem.

The Administration Module also allows the management of the ecoenvironment of the NETteller MFS system including User Management, WalletManagement, Merchant and Agent Management.

NETteller MFS Module Provides a unique MFS experience to smartphone users through applicationsthat have been especially designed and developed for use with Android, AppleiOS and Windows operating systems.

This application also supports SMS, USSD, GPRS and Smartphone applications

NETteller Security ModuleEquipped with strong user security features that will not permit anyunauthorized access at a clients or bank's site. The advanced combination ofpassword controls and user access rights ensure that only authorised users canaccess NETteller MFS. Users may only have access to the accounts and servicesin which the access privileges have been assigned.

Data security is deployed within the system using the latest industry standardswhich involve;

n All the user‑names, passwords

n Client Validation

n User credentials

n Encryption of sensitive data

n Transaction‑Logging and user behaviour

n Advanced Audit trail Functionality

Cryptographic technologies play an important role in ensuring confidentiality,authenticity and integrity. Customers are required to provide their User ID andPIN combination and a one‑time password (OTP), dynamic access code so thattheir identity and authenticity could be verified before access to their accountsis validated. In basic terms, this process of authentication is to validate theclaimed identity of the customer by verifying "what the customer knows" and"what the customer has".

NETteller MFS Web Module A web‑based application using the web‑browser and the world‑wide‑web fordelivering online‑real‑time MFS services to the users.

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NETtellerMFS Modules

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nManagement and use of Mobile Wallets and Multiple Mobile Wallets which can be enjoyed by any consumer regardless of whether they have a credit card or bank account.

n Supports any access method including; SMS/USSD and applications on Smart phones/WEB and NFC.

n Supports any norm, law and regulations.

n Strong application security (encryptions)

n Anti‑Fraud security in the application server

n Implemented Platform security.

n Flexible adaption to different market segments (with or without a bank account)

n Offers unique customization features for customer segmentation.

n Management of customer loyalty clubs.

n Management of gift cards and coupons

n Supports Multi Currency and Multi Languages

n Simple integration (Open interfaces)

n Real‑time Policy Enforcement ‑ Rating, Fraud Prevention, etc.

n Self‑Spending Policy

n Scalable ‑ distributed environment for endless scalability & availability

n Adaptable to any cell‑phone with any operating system

n Converged with e‑Money and e‑Banking for a unified solution

n Ready for NFC application and for other future applications.

n Flexible Commission Structure for Agents and Merchants

KeyFeatures

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A Complete SolutionNETteller MFS Solution is converged with NETteller Omnichannel e‑Banking System, an intelligent Omnichannelsolution that can manage every channel of communication through one platform. This provides a unique and seamless

customer experience to the banking customer, and also allows the bank to accommodate every type of consumer includingthe unbanked population.

Cost Effectivenessn Supports full end to end process, allowing payment agents to operate as established financial service providers at a fraction

of the cost.n One platform requiring less support staff and integration

n Rapid implementation of new products and services

Personalization and Segmentationn Enable the bank, agents and customer to customize languages, currencies and customer logic.

n Enables customized business processes.

n Facilitates a separate identity of the bank and its customers

n Enables the bank and agents to offer features and services based on customer segmentation.

n Offers unique customization features for customer segmentation

n Management of Multiple Wallets

n Customized look, feel and theme options to the customer i.e. Colour, font and account alias.

Seamless Brandingn Separate customer experience for each payment agent (e.g. branding or Self Care, Customer Care, Bill layout)

n The platform provides the ability to brand various modules, including invoicing, customer care and self‑care user interfaces,taxation rules, languages, currencies and more.

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KeyBenefits

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The NETteller architecture is empowered with EJB3 technologies making it ascalable and portable business system. NETteller e‑Banking is a J2EE application,based on open standard architecture and is not linked to a particular

environment or software/ hardware vendor.

The complete system is built on a multi‑tier distributed computing environmentallowing the configuration for Load Balancing, Clustering/Session Replication forperformance and scalability.

NETteller is based on SOA technology enabling the integration and orchestration ofapplication components and services. Packaged as a modular distribution, the NETtellerPlatform integrates multiple components, including messaging, service orchestration &workflow, and policy & governance, along with SOA design, development andmanagement. The solution is independent of any core platform, making it fully adaptable tobanks existing platforms as well as future platforms which may be implemented.

NETteller gives the flexibility for vertical, horizontal and diagonal expansion, without theneed of costly hardware equipment.

The MFS system is an independent platform running on open standards, making it nonreliant on any specific core banking or MNO system. The MFS platform can integratewith any backend 3rd party system making it flexible and cost effective.

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NETteller MFSPlatform Architecture

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NETteller MFS system implements strong security measures that address and control various types of risks and security threats. The system allows for the implementation of a security strategy that enables the following objectives to be met:

Data Confidentiality – Ensures protection of sensitive informationSystem Integrity – Ensures the accuracy, reliability and completeness of all information processed, stored or transmittedbetween the MFS System and its customers. System Availability ‑ Ensures there is a high level of systems availability required for maintaining public confidence in an MFSSystem. Customer and transaction authenticity ‑ Supports the cryptographic technologies that are necessary to ensure confidentiality,authenticity and integrity.Customer protection ‑ Ensures that a customer is properly identified and authenticated before access to sensitive customerinformation or MFS.Control Methodologies to mitigate Risk ‑ Preventive and Detective controls are stipulated to reduce fraudulent activity andmonitor and report trends or activities that have already taken place.

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NETteller MFSSecurity

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Compliance

National, international and regulating industry bodies are becomingmore engaged and prescriptive in the compliance requirements forproviders of MFS services. International examples in this context include

PCI Data Security Standard, Anti‑Money Laundering (including SuspiciousActivity Reporting (SAR)), Basel II (internal and external fraud provisions) andKnow Your Customer legislation and guidelines.

NETteller MFS Solution employs ‘industry best practice’ and use of ‘bankinggrade’ architectural principles in the design and deployment of the solutionwhich assist operators to reduce cost and time‑to‑market impact of theircompliance requirements applied to the MFS services.

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E‑mail: mail@netinfo.eu

URL:www.netinfo.euwww.netteller.eu

UK:Dept 400, 61 Praed Str.London W2 1NS Tel: +44 203 397 8440Fax: +44 203 397 8533

Russia:101000, Moscow, Pokrovskiy bulvar 4/17, str.1Tel: +7 800 333 8 678

Cyprus: 23 Aglantzia Ave, 2108 Nicosia P.O. Box 22658, 1523 Nicosia, Cyprus Tel.: +357 22 753636Fax: +357 22 765680