Post on 16-Jan-2017
Secure & Mobile -
Financial Exchange
October 2015
1
The global Messaging trend and the FinTech industry,
outgrow traditional business in the FS sector.
2
100%
192%
320%
617%
844%
100% 104%125%
208%
566%
76% 77% 87% 95%
2011 2012 2013 2014 2015
Mobile Messaging MAU* FinTech Relevance** NYSE Avg. Trading Volume
*Combined #MAU of: Whatsapp, FB Messenger, WeChat, Skype, Snapchat, Viber, Line, Kakaotalk** Google Trends for “Fin Tech” and “Fintech”
3
• Facebook launched its friend-to-friend payment feature,
FM set to incorporate traditional payment services
• LinePay offers P2P, mobile payments and online shopping
• How to compete with tech-startups before they
cannibalize the market?
Messaging apps partner up
to enter the finance industry
Mobile is the trending
access channel
Mobile offers various
informational benefits
• Mobile banking has grown 75% from ‘11-’14
• Convenient access is a key differentiator and a must-
have for 18-24 year old clients
• How to develop a reliable mobile platform,
compatible with the existing infrastructure?
• Gather contextual information from your clients
• Integrate white-label financial technology into commonly
used application and services
• How to utilize the behavioral data generated by
smartphones to engage the customer efficiently?
Three reasons, why a focus on mobile/messaging is
relevant for todays financial service industry.
Our vision – Supply the infrastructure for context-based
financial systems and live interaction.
4
How to use messaging as a
financial service USP?
How to protect my client’s
sensitive information in a
mobile infrastructure?
How to use mobile devices
to enhance the customer
experience?
White Label Messenger
Secure
encryption
Instant
Messaging
Content &
Data Sharing
Performance
by design
Exclusively designed for large
organizations, covering a vast
feature bandwith while
providing an open platform.
Introducing MDK: a white label infrastructure for
context-rich applications on mobile devices.
Highly scalable infrastructure,
capable of absorbing any
growth needs and designed to
seamlessly integrate with third
party services.
High quality data throughput
and storage infrastructure,
minimizing data loss and
supplying on-the-go hosting
scenarios.
All communication and data is
encrypted and hosted, using
industry security standards, to
prevent privacy and data breaches.
Emphasis on geolocation services
to allow for unique application
scenarios in the geofencing
context.
Process payments and support
mobile transactions through third
party payment wallets, such as
Google Wallet or PayPal.
4
MDK – One messenger infrastructure to enable use cases
for various requirements.
B2B
Secure internal
Communication.
B2C P2P
Community
content platform.
Use Case I
Convenient & mobile
customer interaction.
Use Case II Use Case III
6
Use Case I: Professional Messenger –
Secure mobile communication for corporations
7
Content Sharing
Share every type of data /
document imaginable
Encrypted cloud storage
Upload ticker data, contracts or
trading information
Disseminate content to multiple
colleagues at once
Cooperate on shared files
Individualization
Configure access restrictions
through secure authentication
Rely on save biometric or
multi-factor identification
Template based or
personalized design
Implementable into every
legacy system
Messaging
Reach out to your colleagues
or bank contacts
Receive context-dependent
notifications, e.g. trade triggers
Discuss current market trends
or regulations in groups
Work and edit content right out
of the messaging environment
Security & Performance
Safely end-to-end encrypted
SSL / https connection for
maximum user data security
Resilient & scalable design,
withstanding peak loads
Multi-layered API coupled with
clustered server architecture
On-Premise hosting supported
1
3
2
4
Use Case II: Integrated service offering –
Mobile convenience for your client
Security & AuthenticationEnd-2-End Encryption + Biometrics
Ensures highest data safety
Instant MessagingHabitual + Engaging
Cater to users’ interaction needs
Compatibility & 3rd PartiesSeamless Integration + White-label
Use MDK in your legacy system
Mobile BankingContent Features + Availability
Captivate users with features
Flexibility & On-PremiseData processing + Storage options
Choose own Hosting or SaaS
AnalyticsInformation + Control
Tie users closer to the brand
Corporate Functionalities
End - User Functionalities
Core Target Group
FS Companies
without a mobile solution
with an existing application,
wishing to add functionality
Non-FS companies
Looking to expand into the FS
sector
Requiring mobile payment
processing
MDK’s Advantage
MDK allows seamless integration of a
white-label messaging infrastructure
into companies systems, building on the
ubiquitous user expectation of instant
communication.
5
Use Case III – Finance with Friends –
A social platform for content & conversations
9
1st Level
Form groups and forums to
spread & discuss news
Share content & data with
other members
Poll users and plan online &
offline events
Switch between public and
private messaging2nd Level
Compare and compete
personal portfolios
Incorporate review systems for
products and companies
Receive discounts for family &
friends referrals
Create a tiered user structure
for a loyalty program
3rd Level
Facilitate P2P transactions
between users
Coordinate lending/borrowing
activities between users
Reward high engagement with
real-life benefits
Rebuild your assets to resemble
community strategies
MDKs feature set is to provide opportunities to build
messaging platforms and allow third party integration.
MessagingSend text, audio, picture and video
messages to single contacts or groups.
User ProfilesProvide complete user profiles,
including customisable themes and
third party social media integration.
Location ServicesShare specific location data and geo-
tag messages by activating the
location services functionality.
Content & Data StorageSecurley upload, store & send content
within the MDK infrastructure or
through third party services.
Authentification & VerificationSecured user authentication via
validated phone numbers or social
media profiles.
NotificationsPush notifications for messages and
events to specific contacts or groups.
VOIPTransmit voice data and set up
mailboxes for missed calls.
Third Party Services Integrate third party content platforms,
such as YouTube and allow sharing of
internal data to outside web properties.
EventsCreate and manage events for private
and public audiences.
Polls & RemindersAllow the creation, sharing and
exporting of context based polls and
reminders.
Streaming & ConferencingStream video and voice live to follower
audiences or within a private and
secure environment.
Location Search & DiscoveryImplement any number of location
based search and discovery features.
PaymentsSend and receive money through third
party payment wallets, such as Google
Wallet or PayPal.
Content PlatformsBuild a content platform and
marketplace, to allow the exchange of
user generated content.
Voice RecognitionTransform audio into text.
Follower ChatsEnhanced administrative capabilities
for VIPs, themes and events.
AnalyticsAdvanced user administration and
analytic capabilities.
Translation ServicesEnhance your communication
capabilities with translation from
services such as Google Translate.
Co
re F
ea
ture
sL
og
isti
cs F
ea
ture
sE
xte
nd
ed
Fea
ture
s
8
The MDK architecture – Providing a full stack mobile
environment solution.
1
2
3
4
2. MESSAGING BACKEND
Highly available server cluster
3. SERVER INFRASTRUCTURE
Lightweight communication
protocol based on MQTT
1. MESSAGING PROTOCOL
Client integration via APIs
and cross platform SDKs
4. CLIENT INTEGRATION
Highly scalable messaging
application server
11
The MDK architecture is flexible and designed to
integrate third-party sources and content providers.
MDK Services
Databases
Messaging
Third-Party Services & Content
Providers
Cloud based On-premise
ContentPayments
Profiles Notifications ...
Analytics Administrative Services
MQTT / HTTP API
MQ
TT
/ H
TT
P A
PI
Multi C
hanne
l M
essagin
g
Financial
Services
12
US Office
101 West Broadway, Suite 110,
9101 San Diego, California, USA
German Office
Borsigstraße 9
10115 Berlin, Germany
MDK Labs GmbH
Kilian Thalhammer
Email: kilian.thalhammer@mdk.io
Phone: +49 160 47 84995
Russian Office
Sheremetyevskaya 6 bld. 1
129594 Moscow, Russia
13