Creova - The mdinar© case - Building an ecosystem

1. Building an Ecosystem The Case ©

2. What the future of the Mobile looks like The case of Japan Apartment keys Integrated in the mobile Electronic money « Edy » : Accepted in about 30,000 stores Credit CardID, launched by NTT DoCoMo Accepted in Vending machines (Coca-Cola, C-mode2) Loyalty card For airline companies (ANA, JAL)

3. Mobile Revenues Benchmark with the rest of the world Mobile advertising Paid mobile services Mobile Commerce Mobile Access costs Rest of the world 2008 (194 M$) Japan in 2000 (6 M$) Japan in 2008 (43 M$) The structure of present Japan lets us imagine what the future is made of Source : NaoshiNema/Hironori Tanalka, Morgan Stanley Mobile Commerce : Sale of physical and virtual (ringtones, logos, etc…) Mobile Services : Hotel reservation, transportation, bank, …

4. The success of M-PESA “Sending Money Home” The service targets non banked who have a prepaid phone Simple: Embarked solution Secure: Protected by a pin

6. Between 30 and 75Ksh for M-PESA solution 8,5 17 34 51 68 85 170 340 TDN Source: Vodafone, 2009

8. Early adopters in new technologies

9. Many alternative payment solutions

10. Developing country

11. Limited access to new Technologies

12. Cash based financial transactions

13. NFC: Breakthrough technology

14. Expensive to deploy

15. Integrates many players around a service provider

16. Basic and accessible technology

17. Affordable to offer

19. Young population comfortable with mobile technology

20. Diversified socio-economical groups

22. Affordable to the end user

23. Created the best user experience for every group

24. Make financial services accessible to everyone: consumer and merchants

25. Make it more affordable for everyone, still making money for the banks

28. Entertainment

29. Events and Entertainment

30. Mobile + Internet Shopping

32. 10 years of expertise in Mobile Value-Added-Services

33. International: based in Paris, France, with offices: USA, Italy, and Tunisia

34. Innovation Awards:

35. Proven Solution with customers & partners:

36. Mobile Operators

37. Banks

38. Payment Services

39. Micro-Financing Institution© Creova Confidential

40. Thank you www.creova.com