Value added services ATM, Internet banking, mobile banking
www.mobilityone.com.my
Prepared by: Srong Chann
Overview M1 partners Bank value added services -E-payment (mobile phone top-up..) -Bill payment (postpaid) -ATMs -Mobile banking -Internet banking M1 features and benefits Proven track record
www.mobilityone.com.my
Prepared by: Srong Chann
Overview
www.mobilityone.com.my
Prepared by: Srong Chann
MobilityOne in brief
Listed in the London Stock Exchange
MSC status company and awarded grant by MDeC for development of advance payment technology in 2007
Non bank 3rd party acquirer from MEPS for e-debit transaction
An e-Commerce infrastructure payment solution provider with own payment technology accepting cash, e-debit and credit card transactions over multiple payment channels (e.g. web, mobile, terminal and banking channels)
Established relationship with over 20 business partners ranging from telecommunication companies, financial institutions, ticketing agencies, transportation operators, remittance companies and multilevel marketing companies
www.mobilityone.com.my
Prepared by: Srong Chann
Products and services
1. e-Commerce Infrastructure Services - Electronic retail points - Products and services aggregation - Payment services
2. Solutions - Mobile * Mobile e-voucher system * Mobile credit transfer * Mobile banking - Payment system - Business support
www.mobilityone.com.my
Prepared by: Srong Chann
Business Partners (Distribution Channel) Chain Retailers
Financial Institutions
Multi-Level Marketing Company
www.mobilityone.com.my
Prepared by: Srong Chann
Service Providers ( MALAYSIA ) Telecommunications Providers Mobile Network Operators
Internet Providers
Event Organizer
Transportation Company
Other Services
www.mobilityone.com.my
Prepared by: Srong Chann
Service Providers Mobile Network Operators
Billers (bill payment providers)
www.mobilityone.com.my
Prepared by: Srong Chann
Bank value added services Bank services market Look out the currently feature of ATMs and Internet banking are still not useful, people are interest in new technology and more services to get all in one set People willing to spend whatever to make life easy You may have more services and account user may got more convenience
MobilityOne M1 Group are ready to assist you to deploy new technology (value added services) that we have been done very successful in Malaysia with Maybank Malaysia, CIMB, Citibank.. Low cost but more benefits Increases more satisfaction to bank users To rise up more revenue through M1 services
Deploy new services Prepaid reload (Top-up services) Bill payments
www.mobilityone.com.my
Prepared by: Srong Chann
Connectivity Overview
www.mobilityone.com.my
Prepared by: Srong Channa
Connectivity Overview
Customer Care
Admin
Support
ATM Network
ATM Banking Host
Internet
Internet Banking Host (future) Core Banking Host Internet Transaction Mediation System (VAS)
Bank Secured Environment
Mobile Banking Host
SMS Gateway Telco SMSC
GSM Network
}
VPN
Alternate Banking Host
Misc Bill Payment Ticketing Prepaid (Service Provider Aggregator)
www.mobilityone.com.my
Prepared by: Srong Chan
Features and benefits of M1
www.mobilityone.com.my
Prepared by: Srong Chann
M1 features
ABOSSE™ - Adaptive Business and Operation Support Systems Environment MoCS™ - Mobility Commerce Solution A solution developed in-house by MobilityOne A proprietary technology by MobilityOne The technology has a proven track record with: o Financial institutions for the mobile banking and Internet banking o Telecommunication companies for the mobile reloads, e-voucher
o Retail and chain stores for merchandise payment via e-debit & credit card o Transportation operators and event organizers for e-ticketing system o Multi-level marketing companies for mobile reloads via credit cards The objective and role of MobilityOne is to establish, operate and manage a secure and resilient e-Payment infrastructure covering the country via three main conduits; Internet, mobile phone and physical payment terminals to produce a trusted infrastructure capable of hosting secure payment transactions throughout Perak. In view of the appointment as the owner and operator, MobilityOne shall establish, integrate, operate and manage the e-Payment infrastructure in view of above objectives.
www.mobilityone.com.my
Prepared by: Srong Chann
M1 features
Society (People) Encourage the usage of electronic payment among population in-line with government initiative on e-Society Provides greater convenience to customers to make payment Encourage faster development of K-economy via technology transfer of IT and financial services skills to local citizens Less cash management reducing the exposure to crime Expose the society to the new opportunities made available by new commerce environment Provide global exposure for Perak and its local products and services
www.mobilityone.com.my
Prepared by: Srong Chann
Reload via SMS/Mobile banking
www.mobilityone.com.my
Prepared by: Srong Chann
Mobile banking interface option Interface Type Plain SMS
Sim Tool Kit (STK)
USSD
Advantages
Disadvantages
supported by all phone types
menu not available
commonly used by public
need to remember commands
does not require Telco support
affected by SMS congestion
menu driven interface
require Telco’s support
does not require to remember banking commands
consumer need to get updated SIM card
affected by SMS congestion
supported by all phone types
require Telco’s support
commonly used by public
need to remember initial command
menu driven interface
rare congestion issues
menu driven interface
Java applet customization for almost every phone
security built into Java app
not commonly used by public
does not require Telco support
costlier for general users as transaction based on data rate
WML
high interactivity
not supported by all phones
(GPRS, EDGE, 3G)
does not require Telco support
not commonly used by public
costlier for general users as transactions based on data rate
Java Applet
www.mobilityone.com.my
Prepared by: Srong Chann
Reload transaction via mobile phone
Process Flow – Prepaid Purchase via SMS Pre-register SMS purchases with Public Bank
Key in the following:
Top-up instructions SMS code
Check and send SMS to MobilityOne SMS gateway
www.mobilityone.com.my
Prepared by: Srong Chann
Mobile banking flow
PBBInqBal 123456
Acct# 1234567890 Bal:RM 950.30
Balance Inquiry SMS: PBBInqBal <pwd> Request
PBBTrf sav cur 100.00 123456
Fund Transfer SMS: PBBTrf <acct from> <acct to> <amount> <pwd> Request
Response
Transfer from SAV:1234567890 CUR:8534789543 Amt:RM100.00 successful
Response
www.mobilityone.com.my
Prepared by: Srong Chann
Mobile banking flow
PBBBill Digi 120.00 123456
Bill Pymt Digi Acct#0161234567 Amt:RM120.00
Request
Response
Bill Payments (pre-registered bill) SMS: PBBBill <bill code> <amount> <pwd>
PBBHelp
Instruction List SMS: PBBHelp Request
Balance Inquiry: Bal inq <pwd> Fund Transfer: Trf <frm> <to> <amt> <pwd>
Response
www.mobilityone.com.my
Prepared by: Srong Chann
Reload via Internet banking
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
Process Flow - Reload via Internet Banking Log on into Bank’s website
Select type of product category
Select/key in the following: Account number Product type & denomination Hand phone number Purchase amount
Check and confirm purchase details
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Internet work flow
SAMPLE PAGE
www.mobilityone.com.my
Prepared by: Srong Chann
Reload via ATM
www.mobilityone.com.my
Prepared by: Srong Chann
ATM work flow
ATM Screen Flow
Deposit
Withdrawal
Transfer
Balance Enquiry
Request Check Book
Prepaid Reload
www.mobilityone.com.my
Prepared by: Srong Chann
ATM work flow
Please select your account
ATM Screen Flow
Savings
Current
Please Choose mode of Reload
Print Pin
Auto Reload
www.mobilityone.com.my Prepared by: Srong Channa
ATM work flow Please key-in your phone number to reload
ATM Screen Flow Phone Number : 0 1 6 2 0 1 7 8 8
Please Select Product
Metfome
Smart HELLO
Hello
www.mobilityone.com.my
Prepared by: Srong Chann
ATM work flow
ATM Screen Flow
Please select a denomination Hand Phone # : 0 1 6 2 01 7 8 8 Telco : HELLO US$ 5 10
US$
US$ 1
Please confirm your purchase Phone # : 0 1 6 2 01 7 8 8 Telco : HELLO Amount : US$ 10
Cancel
Ok
www.mobilityone.com.my
Prepared by: Srong Chann
ATM work flow
ATM Screen Flow
Transaction Accepted Thank-you for using Public Bank
Ok
www.mobilityone.com.my
Prepared by: Srong Chann
Proven track record No
Company Name
Project
Project Status
1
RHB
Prepaid Reload via Internet Banking and ATM
Live since 2003
2
CIMB
Prepaid Reload via Internet Banking, ATM and Mobile Banking
Live since October 2006
3
Bank Rakyat
Prepaid Reload via Internet Banking
Live since July 2008
4
EON Bank
Prepaid Reload via Internet Banking
Live since July 2008
5
Bank Simpanan Nasional
Mobile Banking
Live since September 2008
6
CitiBank
Prepaid Reload via Mobile Banking
Live since December 2008
7
Ambank
Prepaid Reload via Internet Banking and ATM
In the midst of integration. Will be launched in November 2009
8
Affin Bank
Prepaid Reload via Internet Banking
Agreement signed. Pending to start the integration.
9
MBF Card
Prepaid Redemption via Internet
Agreement signed. Pending to start the integration.
www.mobilityone.com.my Warning! This document is strictly private and confidential. This document is not intended for public circulation.
Prepared by: Srong Chann
thank you
www.mobilityone.com.my Prepared by: Srong Channa