Building an Ecosystem

The Case©

Electronic money « Edy » : Accepted in about 30,000 stores

Credit Card ID, launched by NTT DoCoMo

Apartment keys Integrated in the mobile

Loyalty card For airline companies (ANA, JAL)

Accepted in  Vending machines (Coca-Cola, C-mode2)

What the future of the Mobile looks like

The case of Japan

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

88%

86%

66%

2%4%

11%

9%

10% 21%

0.01

0.02

Mobile Access costs

Mobile Commerce

Paid mobile services

Mobile advertising

Source : NaoshiNema/Hironori Tanalka, Morgan StanleyMobile Commerce : Sale of physical and virtual (ringtones, logos, etc…)Mobile Services : Hotel reservation, transportation, bank, …

The structure of present Japan lets us imagine what the future is made of

Rest of the world 2008(194 M$)Japan in 2000(6 M$)

Japan in 2008(43 M$)

Mobile Revenues

Benchmark with the rest of the world

The service targets non banked who have a prepaid phone

Secure: Protected by a pin

Simple: Embarked solution

The success of M-PESA“Sending Money Home”

Source: Vodafone, 2009

0-500501-1,000

1,001-2,000

2,001-3,000

3,001-4,000

4,001-5,000

5,001-10,000

10,001-20,000

20,001-35,000

0%

5%

10%

15%

20%

25%

30%

Transaction Value (Ksh)

Example: for a 1,000 Ksh, transfer, the costs are:

• Up to 500 Ksh via les conventional  methods

• Between 30 and 75Ksh for M-PESA solution 

Transaction costs much lower than the banks’

Distribution of mobile transactions in Kenya

8,5 17 34 51 68 85 170 340 TDN

The success of M-PESA An ease to use micro-payment tool

JapanKenya

Developed country

Early adopters in new technologies

Many alternative payment solutions

NFC: Breakthrough technology

Expensive to deploy

Integrates many players around a service provider

Developing country

Limited access to new Technologies

Cash based financial transactions

Basic and accessible technology

Affordable to offer

Limited in terms of integration

Which Model to adopt?

Increasing disposable income and expenditures

Young population comfortable with mobile technology

Diversified socio-economical groups

High mobile penetration rate and intermediate coverage by banks

• Fast and Flexible in integrating with partners of any type

• Affordable to the end user

• Created the best user experience for every group

• Make financial services accessible to everyone: consumer and merchants

• Make it more affordable for everyone, still making money for the banks

• Innovate in the types of services offered

Key success Factors Our solution

Which Model for Tunisia?

Creova API available

Web Admin & Mgt

User Web admin

Financial service Mgt

Bank Funds

Partners Access Mgt

Financial Institutions

CREOVA MOBILE-PAY PLATFORM

Service authenticationSMSG / SMSC

The Ecosystem

Mobile + Internet Shopping

Events and Entertainment

Transportation +

Banking Services: P2P, Loans, Accounts, etc.

Entertainment

©

The Potential of

Team: 20 years software innovation in telecom & financial industries worldwide

10 years of expertise in Mobile Value-Added-Services

International: based in Paris, France, with offices: USA, Italy, and Tunisia

Innovation Awards:

Proven Solution with customers & partners: Mobile Operators Banks Payment Services Micro-Financing Institution

© Creova Confidential

Who is CREOVA?

Thank youwww.creova.com