Mobile, Payments & Loyalty Platforms

June 2015

Powerful solutions to drive the market

What We Do

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Strategic and Management

Consulting

Financial and banking products

development and implementationIT solutions supply

• Development strategy (growth vector,

with details on client segments and

product lines, agreed with the

shareholders and management),

• Business organizational structure (bank,

group of companies) and management

structure, including managers profiles. In

some areas top-managers selection and

recruiting is possible.

• Project management system set-up.

Development of technological specifications

and product documentation, negotiating the

best possible cooperation terms with Visa &

Mastercard, software vendors; elaboration of

marketing and promotion programs, interaction

with the Central Bank:

• debit cards (prepaid, premium),

• electronic money,

• mobile wallet,

• loyalty program,

• mobile payments.

Complete project management cycle – initiation,

design, coordination and implementation

(including project team management).

Acting as a general contractor in matters

of delivery of IT solutions – identifying the

needs, determining preferred solution

configuration and managing the whole

project of bank-vendors interaction:

- a set of solutions for mobile wallet,

- e-money processing,

- the platform to create and manage loyalty

systems.

Our FinTech solutions

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E-money Payment System

Loyalty Platform

Mobile Wallet (mWallet)

We developed innovative solutions to give our partners opportunity forbusiness development without spending time.

Product and technical support worldwide.

Mobile Wallet “mWallet” platform

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See detailed presentation here

mWallet is a hardware and software platform, which turns smartphone into single customerWallet for:- Payments and transfers mPayments (p2p transfers, transfers between e-wallets and cards, payments tomerchants and billers, topping-up phone with any smartphone using e-money and cards Visa & MasterCardand using QR-code. Emulating a card (payment, transport & any other credentials) inside smartphone withAndroid 4.4 and pay offline with NFC and online as with usual payment card based on modern Host CardEmulation technology);- Personal finance management mFinance (accounts & cards management, opening deposits & applyingfor loans);- Mobile commerce mCommerce (for simple and secure purchasing in online and offline stores, paymentsacceptance for merchants using smartphone as mobile POS-terminal (QR, NFC), secured customer datatransfer for identification and logistic service);- Participation in loyalty programs mLoyalty (keeping loyalty cards, discounts, coupons in one place);- Telecom services management mTelco (reviewing personal account data, reviewing/changing thesubscription plan, reviewing data about communication services costs & payment history, account balance,new products/services application, promotions, account statistics);- Using as a transport cards mTransport.

mWallet Key Features

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See detailed presentation here

E-money Payment System (1/2)

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E-money based payment platform.

For end-users the instruments for paying for goods and services (restaurants, cinemas, shopping malls, online shopping, tickets, etc.) and also for instant p2p money transfers.

For retailers: efficient and easy-to-integrate tool for accepting online & offline and also mobile (iOS, Android) payments. Examples: www.rbkmoney.com/en, www.monexy.eu.

Deriving products/services/technologies:

- e-money,

- e-wallet for end users and for merchants,

- p2p transfers,

- pre-paid card (based on MasterCard, Visa) as an access tool for e-

wallet,

- mobile wallet for smartphones,

- for mobile operators – combination of user account and e-wallet.

See detailed presentation here

E-money Payment System (2/2)

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MONEY IN THE CLOUD

Payment Gateway

Modules

Cli

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PrePaid Credit Card Bank account

Loyalty E-wallet Payment/ Top up

OTP …

Web browser

NFC

iOS, Android

PoS

SMS/USSD

See detailed presentation here

Loyalty Platform (1/2)

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The platform for loyalty programs management. The system is based on remunerating thecustomers for action (purchasing the good or service) in the merchant’s point of sale or inthe network of the loyalty program participants. The remuneration is credited as a bonusto the customer account via e-money or points.

The platform can be used for the purposes of a specific retailer or for independentoperator to enter the market. The system is equipped with marketing communicationtools (text messages, email, social networks) and offers up-to-date methods for dataprocessing and reporting.

MerchantUSER

See detailed presentation here

Loyalty Platform (2/2)

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• Payment+loyalty card as an ID• Cash backs for end-users• Payback management• A variety for gamified marketing

instruments – prizes, points, bonuses, rewards, levels, ratings, etc.

For merchants:• Advertising management• Customer Profile Data Management• Email & SMS Marketing• Analytics and Reporting• Segmentation, clustering, RFM analysis

See detailed presentation here

FinovateStudio partner's Business experience

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15 years of successful experience in finance, banking and paymentstechnologies.

Set of technologies was created as business:- cash-in terminal network - was sold,- e-money system (now www.rbkmoney.com with 80 ths merchants and 8 mio users) - wassold and now working in Russia, and www.monexy.ua is working in Ukraine, now 300 thsusers,- payments tools aggregator www.interkassa.com - was sold and now working in Russia andUkraine,- Loyalty system management platform - is starting in Ukraine as coalition loyalty systemwww.E-groshi.ua (two meanings in E-groshi: E-money and there's money),- new project is launching summer 2015 www.wpass.org.

Product development team

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Developers and support team:

- product consultancy and analytic team. Professionals who have fullknowledge of Finovatestudio solutions,

- R&D team in Ukraine and China,

- full technical support of Finovatestudio solutions.

Product development tools

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We are using only best technics. Quality of our solutions is confirmed byexisting businesses and many users.

Project Management Methodology: PMI, Agile, Waterfall.

Programming Languages/markups: C#, Java, С++, Delphi, JavaScript, PHP, HTML,CSS.

Databases: MS SQL Server, Oracle, MySQL, Firebird, PostgreSQL, Redis, MongoDB,CouchBase.

Frameworks/CMS: ServiceStack, Cordova, Backbone, SugarCRM, YII, MODX, Joomla,JasperServer.

Automation: GIT / TFS, Redmine, TeamCity , Selenium.

Hypervisor: Azure, Amazon, VMWare ESX/ESXi, XEN, Microsoft Hyper-V.

Languages: English, Russian, Chinese, Ukrainian, Polish.

Please contact us for more info:

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www.finovatestudio.com

www.mwallet.pro

www.m-processing.com

Our support offices:UKRAINE, 01030, 44 Bohdana Khmelnitzkogo St., Kyiv

ISRAEL: Israel Bek 3, 4th floor, Tel Aviv, Israel, 90901

CHINA: Dongping Rd. No. 15, Suite 505, Shanghai 200031

CHINA: Kehua North Rd. No. 62, Suite 711 Chengdu, Sichuan 610021

Inna Rumiantseva

Inna@finovatestudio.com

Mikhail Miroshnichenko

Mikhail@finovatestudio.com

Yuriy Chayka

yuriy@finovatestudio.com