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mFino - Leading Mobile Financial Services Provider by Sridhar Obilisetty

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mFino is one of the leader in providing mobile financial services platform that enables the delivery of a full spectrum of financial services that meets the current needs of mobile operators, financial institutions, distributors and retailers. – PowerPoint PPT presentation

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Title: mFino - Leading Mobile Financial Services Provider by Sridhar Obilisetty


1
mFino Company Presentation
Presented By Sridhar Obilisetty CEO, mFino Ltd
Cupertino Jakarta Hyderabad, India Singapore
2
(No Transcript)
3
  • Based in Sunnyvale, California, mFino is a mobile
    financial services software company focused on
    delivering proactive solutions that deliver
    mobile financial services to any phone, and build
    user adoption and increase revenue.

Since its incorporation mFino has focused
exclusively on the development of the most
scalable, flexible and modular, mobile financial
service platform in the market.
mFino M-Commerce Research Team has made deep
investments in understanding the current bottle
necks, MFS adoption and usage curves. mFino has
focused on optimizing MFS for several years to
build a platform that provides enhanced user
experience and increased revenue for business
partners.
COMPANY
4
PURPOSE
  • Provide the under banked and unbanked population
    of the world to access their financial services
    using a device that everyone already owns.

VISION
mFinos vision is to empower mobile network
operators and financial institutions to deliver
targeted mobile financial services through any
device and any channel.
OBJECTIVE
mFino is a mobile financial services software
company focused on delivering proactive solutions
that deliver mobile financial services to any
device, and build user adoption and increase
revenue.
VISION
5
  • Greater Financial Access
  • Enabling service providers to deliver basic
    financial services to the unbanked, underbanked
    and offer greater convenience and higher
    transactional velocity to the banked customers
  • Adoption, Usage Retention and Increased Revenue
  • Merchant Enablement
  • Enabling merchants to accept, process payments
    and use various tools for revenue enhancement
  • Run campaigns, promotions, offers etc.
  • MFS Software Appliance
  • Quick deployment, quick time to market
  • Provides unified collection of tools, processes,
    and guidance for automating payments and offering
    add-on services to customers
  • Offers improved security and ongoing
    configuration management

STRATEGIC FOCUS
6
mFino wins Kalahari Award for the Best Mobile
Money Platform
7
mFino wins Kalahari Award for the Best Mobile
Money Platform
Kalahari Awards hosted by Mobile Money Expo is
given to organizations that have made significant
contribution to the mobile financial sector and
are poised to make considerable market impact in
the future. The awards are dedicated to
acknowledging creativity, commitment and
excellence in the Mobile Financial Services
Across Africa.
mFino has been conferred with the most
Prestigious Kalahari Award for the innovative
work done in the Mobile Financial Services space
in Africa.
Creative and market focused features, ease of
customization, quicker go-to-market etc. were few
key criteria that our jury was focusing to
recognise the Best Mobile Money platform and
mFino fulfilled all the criteria that was
required, said Emmanuel Okoegwale Principal
Associate Mobile Money Forum, Africa.
8
Who We Are?
Business Market Focus
  • mFino is one of the leader in providing mobile
    financial services platform that enables the
    delivery of a full spectrum of financial services
    that meets the current needs of financial
    institutions, mobile operators, distributors and
    retailers.
  • mFino is focused on serving the banked, unbanked
    as well as the under-banked and making it
    profitable for the service providers with the
    best of breed transaction engine.
  • mFino mobile wallet adds intelligence to paper
    cash, it gives the user ability to set up rules,
    manage budgets, set restrictions, get
    notifications and reconcile automatically.
  • Powers one of the largest deployments in world
    handling 450000 transactions per day.

THE LEADING MFS PLATFORM IN THE MARKET
9
Focus and Commitment Towards Innovation
Rapidly build, deploy, update and manage complex
MFS functionality without an army of consultants
and coders.
Provides 360 approach to mobile financial
ecosystem.
Business Rule Driven Product Offerings On The
Fly Integrations Extreme Configurability
Innovation Market Leadership
10
Agility To Market Need and Regulatory Framework
Revenue Enhancement
Customer Centric Products
Business Driven Platform
mFino BUSINESS DRIVERS
11
Product Portfolio
12
mFino Product Suite
Mobile Wallet
It is a digital version of a physical wallet
where customers put all their cards, cash and
coupons in one place and they get, access to the
financial system from wherever they are.
e-Top up
Platform for mobile payment services and
electronic top-up for Telco's, allowing them to
create and manage distribution chains of prepaid
airtime resellers and offer self service top-up.
Mobile Banking
Provides a new level of convenience without the
expense of traditional channels.
Mobile Commerce
Contactless
Allow customers to use their mobile devices for
purchasing in stores without the need for cards,
cash or checks. Simplifying the purchasing
experience and, an increase in sales for
merchants.
Turns phones into seamless e-commerce channels,
Allow customers to pay their fare without slowing
the line.
Mobile Remittance
Social Media Banking
Provides fast, convenient, secure, transparent
and inexpensive money transfer services.
Product Suite
Turns mobile app into a social media bank
allowing your customer to supercharge your
financial service with social media.
Loyalty Management
Branchless Banking
Let the merchants to put together programs that
drive revenue and retention, or create programs.
Enables customers to access their funds in a cost
effective, convenient, quick and secure manner
through agent networks. .
Bulk Disbursement
Allows you to make payments to large groups,
providing money to each in the way they need it.
Micro Finance
Offers a wide range of features that make the
delivery of microfinance services and the
collection of microfinance payments seamless.
Core Banking
mFino Core Banking key platform for supporting
your banking operations.
13
Mobile Money
Get Central Bank License, become a Mobile Money
Provider and pave the way for a cash-less society
in your market
Rapid Rollout Framework Central Bank Audit and
Compliance Multi-channel access Transfer
money Make a purchase Pay a bill Cash in/
cash out Account statements Top up Rich
Feature Set
14
Mobile Wallet
Wallet and Mobile Phone Convergence One Wallet
and One Card
Multi-channel account access Any payment method
Transfer money Make a purchase Pay a bill
Cash in/ cash out Account statements One
Wallet One Card Top up Coupons Prepaid
Vouchers Credit Vouchers Bank Cards Add
Intelligence to paper cash
2015 mFino Ltd. All Rights Reserved
Confidential
15
Mobile Banking
Active alerts and comprehensive capabilities
bring the bank to your customers
Multi-channel account access Any payment method
360 degree customer view Account balance
Account statements Transfer between accounts
Pay a bill Monitor accounts through mobile
alerts Deposit money Access any bank account
2015 mFino Ltd. All Rights Reserved
Confidential
16
Agency and Branchless Banking for Financial
Institutions
Agent as an extension of a Branch. Integrated
first mile to last mile financial solution for
banking the Unbanked and underbanked
Cash-in / Cash-out Loans _at_ Savings Insurance
P2P Transfers Payments Top-ups Ticket
Booking Remittance Salary Credits Welfare
Payments Agent Hierarchy Agent Liquidity
Management
17
Domestic and International Remittances
Fast, convenient, secure, transparent and
inexpensive money transfer services
Remittance Corridors Multi-currency Forex
position Management Multi-channel access Send
money domestically and internationally Send to
registered and unregistered customers Send via
an authorized agent Receive in a mobile wallet
Collect cash at an authorized agent, or, at an
ATM Convert currency for international
remittances
2015 mFino Ltd. All Rights Reserved
Confidential
18
Mobile Commerce Applications and Payment Solutions
Build business through focused, scenario-based
commerce apps and mFinos merchant enablement and
revenue enhancement suite
Taxicab Application Coffee Shop Application
Movie Theater Transport University ID Card
National Payment Switch Settlement Platform for
Micro Payments Full Suite of Merchant
Enablement and Revenue Enhancement Solutions
Commerce and Payments Platform for Distributors
2015 mFino Ltd. All Rights Reserved
Confidential
19
Microfinance
A micro loan solution that can aid individuals or
businesses in need
Multi-channel account access 360 degree
customer view Create loan accounts personal,
housing, small business, etc. Payment reminders
Calculate interest Receive payments Provide
account statements Send reminders and other
alerts
2015 mFino Ltd. All Rights Reserved
Confidential
20
Internet Banking
Provide your customers with Web access for all
Banking needs
Access through PC or laptop Any payment method
Account statements Transfer money between
accounts or to a third party Pay a bill
Cashout at ATM
2015 mFino Ltd. All Rights Reserved
Confidential
21
Social Media Banking
Connect your customers with their networks to
provide Convenient and Personal banking
experience through social media
Access through any mobile device Send money to
a friend anywhere Split a payment Send a gift
Provide access through Social Media Talk to
customer service
2015 mFino Ltd. All Rights Reserved
Confidential
22
SMS and Missed Call Banking
Provide easy account access without a data plan
Balance inquiry Mini-statement Money transfer
ATM card blocking Car and home loan inquiry
2015 mFino Ltd. All Rights Reserved
Confidential
23
E-Top Up
Telco
Give Agents a digital tool to efficiently manage,
sell and track top up sales. Provide around the
clock anywhere access via customer self-service
top-up
Airtime Satellite TV Electricity Stock
Management Any channel access Any payment
method Top-up any users account Top-up
through retail and Agent Distribution
hierarchies Request bulk airtime Allocate and
transfer Commission programs Mobile
applications for users, resellers and telcos
2015 mFino Ltd. All Rights Reserved
Confidential
24
NFC, QR Code and LBE
Turn your customers phones into seamless
m-commerce channels
Use any NFC Enabled Phones, Stickers, NFC enabled
Smard cards Use any payment method Use NFC or
QR codes for purchases Buy and present tickets
for movies, sporting events, or anything else
Pay for transportation (e.g. subway, rail, taxi)
Provide PIN or biometric authorization
2015 mFino Ltd. All Rights Reserved
Confidential
25
Loyalty Management
Create programs to drive revenue and retention.
Launch for individual merchants or that cross all
to drive customer revenue
Any mobile device access Purchase with points
and/or other methods Provide loyalty points for
purchases Define program levels Set awards
including free products, discounts, points as
rewards Send promos, loyalty alerts Account
statements 360 degree customer view
2015 mFino Ltd. All Rights Reserved
Confidential
26
mFino Value Proposition
Benefits for Service Providers
  • Improve ARPU through value- added services
  • New sources of revenue
  • Enhance loyalty and customer retention
  • Reach new market segments
  • Brand differentiation
  • Provide an innovative payment experience to
    customers

Develop high margin lines of business and
increase customer loyalty through Mobile
Financial Services
27
Proven, Battle-tested Solution
2015 mFino Ltd. All Rights Reserved
Confidential
28
  • Scalability
  • Service Bus Architecture Modular approach
  • Platform can be scaled up vertically and
    horizontally
  • Development cycle agility
  • Loose Coupling - definite Interfaces for
    Platform modules
  • Highly configurable Business Rules
  • Language, Currency, Alerts and Notifications
  • Template Driven
  • Charges and commission Rules
  • Loyalty and Campaign rules
  • Onboarding Processes
  • Embedded Worklist feature
  • Management of work Queues for Admins and other
    Actors
  • Notifications on Pending tasks etc.
  • Easily Deployable
  • Can be dropped into a Bank or Telco corporate IT
    infrastructure as Software appliance
  • Can be offered as SaaS offering
  • Framework based platform services deployment to
    enable deployment of services on the fly
  • Configurable Integrations with Ecosystem
  • Out of the box Self Integrating framework to
    support multiple interfaces.
  • Out of the box adaptable interfaces for Payment
    Gateways, Telco billing systems, Banks Core
    Banking systems, Online Banking infrastructure
  • Advanced Technology Infrastructure
  • Customer centric product offering through advance
    technology infrastructure.
  • Accounting
  • Bank Grade GL / Accounting

Key Technology Differentiators
29
The mFino Advantage
  • Fast time to market
  • Configure transaction processes, roles and
    permissions, create and update mobile apps all
    without coding.
  • Rapid integration to key business systems through
    APIs.
  • Comprehensive, scalable and secure platform
  • Ready for your current and future needs.
  • No need to cobble together multiple vendor
    solutions.
  • Deploy once, reach any channel
  • Support for text, web and smartphone apps, ATMs,
    PCs, POS devices and more.
  • Deliver services where you need them.

30
Thank You
Contact info_at_mFino.com
Cupertino Jakarta Hyderabad, India Singapore
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