Mobile Banking from a world leader in digital security

Providing secure and easy access to banking services anytime, anywhere

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Mobile Banking
Improve your business by offering a secure and flexible mobile banking experience to your customers

obile phones have become an integral part of the 21st century landscape with an expected penetration of 4.5 billion by 2011. While north america and europe have the highest penetration rates, reaching 100% in many Western countries, south america and asia represent the fastest growing mobile markets. the mobile phone is the one device that people carry with them at all times. services beyond voice and text messaging are booming all over the globe and users want the same serviceson their mobile phone that they can get through an internetconnected pc. Mobile phones represent a cost-effective solution for bank and unbanked users, financial institutions and operators, allowing them to bridge the digital divide in places where traditional banking and internet services are too expensive or simply nonexistent. there is a large demand for easy access to financial services: users have access to credit and can securely manage their money, financial institutions expand their user base and process more transactions, and governments benefit from the effect credit has on lower-income sectors of the population and can better track funds distribution within their country. ubiquitous and versatile, wireless devices can give users easy, 24/7, access to financial services bringing the next market revolution: mobile banking, mobile payment, mobile wallet, mobile money transfer and other financial services to users everywhere. the dramatic increase in the use of mobile phones has been closely followed by the increase in mobile fraud. although eager to use mobile financial services, many subscribers are concerned about the security aspect when carrying out financial transactions over the mobile network. in fact, lack of security is seen as the biggest deterrent in the widespread adoption of mobile financial services. internet transactions suffer from the same problem, as are traditional payment transactions in this way, fraud prevention has become an essential ingredient in the success of all different modes of financial transactions.

A wide range of services

> Mobile banking services Mobile banking: a solution for customers with existing bank accounts to get connected to their banks or financial institutions over the mobile network. it also give customers without bank accounts access to financial services. > Mobile payment services Mobile payment enables the customer to pay for services any time anywhere, from either a bank account or a mobile wallet. > Mobile money transfer services transferring Money via international or national remittance hubs enables the following services: bank account or mWallet to mWallet or bank account cash to bank account or mWallet bank account or mWallet to cash Gemalto, a world leader in digital security, has leveraged its security technology and expertise, in order to respond to these needs by developing the most secure Mobile banking solution on the market, providing a comprehensive set of financial services. alongside full mobile banking and security features, Gemalto Mobile banking offers a wide range of payment options such as prepaid airtime purchase, bill payment, credit advance and others. Wireless operators and financial institutions can now offer their customers the freedom of managing their finances whenever and wherever they want, without concern for security and confidentiality issues. Gemalto Mobile banking services have been designed to integrate easily with the existing mobile network and banking infrastructure while opening up new business opportunities for mobile operators and financial institutions, and providing a foundation for new cost-effective services and revenue opportunities. Banking on the move Gemalto has created a complete financial services solution for mobile operators and financial institutions: the Mobile banking offer provides secure access from a mobile phone for mobile banking, mobile payment and mobile money transfer services. Secure banking access anywhere, anytime Gemaltos solution brings flexibility and mobile convenience to everyday banking while offering state-of-the-art security to mobile users and financial institutions. end-users have the unprecedented freedom of managing their finances when and where they want. they can access their bank and credit card accounts, transfer funds, check their account balance, pay bills and purchase airtime using easy-to-navigate screens and a familiar interface. and they can do this 24 hours a day, every day!

Mobile Banking overview

Bank's MNO's customers

Mobile Network Operator

Fiancial Institution

Services available with Gemalto mobile banking solutions

Bank's MNO's customers

Mobile Network Operator

Fiancial Institution
Benefits for financial institutions
> strengthening customer loyalty by offering new and better services > attracting new customers to a one-on-one bank-customer relationship > expanding your brand presence > extending your banks reach by turning cell phones into atMs > increasing market presence with new, flexible and ubiquitous channels > reducing the cost of direct teller interactions while maintaining the level of service > increasing use through availability > providing 24/7 service > creating direct marketing channels > creating new revenue sources by offering new transactions

Services available with Gemalto mobile banking solutions

User management - Registration / Cancellation - Trial Registration Fund Transfer Account Balance Inquiry mWallet (Mobile wallet) Balance Inquiry Credit card - Cash Advance - Balance Inquiry
OK BACK

- Available Credit - Payment Mobile subscription - Recharging - Payment Bill payments Transaction history Loan application Credit management - Application - Payment - Simulation
OK BACK

National remittances International remittances mWallet (Stored value account) - Cash in / cash out - Person-to-Person transfers - Bill payments - Purchases in stores

OK

BACK

Gemaltos solution designed to easily integrate within the existing GsM network infrastructure and the banks back-end, Gemaltos Mobile banking solution includes a secure applet stored in the siM card in the users phone and a transactional platform that securely manages financial operations carried out over the wireless network between the bank or mWallet (store value account) and the siM.

Security information Gemaltos technology ensures end-toend security by ciphering messages exchanged between the siM and the bank (or financial institution) using the highest existing security standards. special keys are embedded permanently in the siM at manufacturing so it is not possible for anybody to duplicate them. all sensitive data is kept exclusively by the financial institution. the Mobile banking application guarantees that even if one of the components of Mobile banking is compromised, the overall security is not affected. Strong user authentication customer trust is the key to any banks business success: customers must be sure that nobody can see their data or make transactions on their behalf. Gemalto responds to that need with strong 2-factor authentication: > data is signed with keys known only by the siM and the financial institution. > subscriber authentication with the bank using a pin defined in accordance with the banks verification system requirements.

Benefits for operators

> increasing your brand presence > attracting new customers > anti cHurn: strengthening customer loyalty by offering a better service > being device independent, it is easier to change phones > arpu increase by opening up new revenue streams and boosting network traffic > Widening your services portfolio > providing subscribers with instant access to airtime purchase > increasing the cost-benefit ratio by reducing per-service costs > playing a leading role in the convergence of service and technology

Components Secure Applet the siM card includes an applet with an intuitive user interface and security features that ensure the same level of safety and confidentiality as if the operations were performed at the bank.

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Gemalto 2009. All rights reserved. Gemalto, the Gemalto logo, are trademarks and service marks of Gemalto and are registered in certain countries. January 2009 - Design Vincent Gregoire

The world leader in digital security