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© 2011 SAP AG. All rights reserved. 1Confidential

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Mobility for Banking

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The information in this document is confidential and proprietary to SAP and may not be disclosed without the permission of SAP. This document is not subject to your license agreement or any other service or subscription agreement with SAP. SAP has no obligation to pursue any course of business outlined in this document or any related presentation, or to develop or release any functionality mentioned therein. This document, or any related presentation and SAP's strategy and possible future developments, products and or platforms directions and functionality are all subject to change and may be changed by SAP at any time for any reason without notice. The information on this document is not a commitment, promise or legal obligation to deliver any material, code or functionality. This document is provided without a warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. This document is for informational purposes and may not be incorporated into a contract. SAP assumes no responsibility for errors or omissions in this document, except if such damages were caused by SAP intentionally or grossly negligent.

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Successful banking organizations . . .

provide each customer with unique and differentiating products and services and enable profitable growth

They do it by:

■ Understanding and anticipating dynamic customer needs

■ Making good decisions and managing finance and risk

■ Streamlining core banking processes

Result:

■ Increase customer satisfaction and profit margin

■ Grow market share

■ Have better cost-to-income ratio


Mobility accelerates business

connect to enterprise dataconsume informationcontrol your business

Mobility enables you to anytime, anywhere

Marketing

Service

Operations Sales

Customer

Executive

IT

Mobilecommerce

Loan approvals

Bill payment

Time and expenseSocial media……..


Bringing order to chaosSAP mobility platform, services, and applications

Create

Connectheterogeneous

data sources

Consumeheterogeneousmobile devices

ControlDevice and server management and security

Afaria Management console

MobileBusinessobjects

Container Apps

Native Apps

Eclipse

Sybase Unwired Platform


Create a better user experienceThrough an integrated mobile delivery of account balances, alerts, payments, and approvals, banks can create a better user experience based on instant value and convenience.

Reduce operational costsIn the wake of the worldwide financial crisis, banks are even more focused on cost savings. By enabling customers to move away from assisted channels, such as branches and call centers, to mobile self-service channels, banks can reduce operational costs while at the same time increase customer satisfaction.

Build customer loyalty and satisfactionThe more channel choice banks offer, the more attractive they are to new and existing customers. By enabling customer to manage their finances irrespective of time and location, banks build customer loyalty and increase customer satisfaction.

Open new revenue streamsBy providing access banking services via a mobile devices to large segments of unbanked populations in developing countries or under-banked populations in industrialized countries, banks can open new revenue streams by reaching new markets.

Mobility for the banking industryValue proposition


Business scenarioEnable large segments of un-banked populations in developing countries to access banking services via a mobile device. n The numbers of devices are changing dramatically.

By 2012 around 1.7 billion consumers in emerging markets will own mobile phones yet lack access to even basic banking services.1

n Mobility is driving the “consumerization” of banking services.

In emerging markets, for every 10,000 people, there is one bank branch and one ATM but 5,100 mobile phones.2

Customer profilen Banks operating in developing countries where large parts of the

population do not have access to basic banking servicesn Banks planning to offer microfinance-related services to under-banked or

un-banked consumers

Value propositionOffering banking services for unbanked consumers can:n Open new revenue streams by increasing transactions volumes and

reaching new marketsn Build customer loyalty and stickiness

Mobility for bankingMarket opportunity – banking for the un-banked

1) McKinsey on Payments June 2010, 2) McKinsey Quarterly Feb. 2010


Business scenarioDeliver new convenience-oriented banking services to customers in developed countries via mobile devices that can also be leveraged as an additional sales channel.The numbers and type of devices are changing dramatically: n 1 billion smart phones and 1.2 billion mobile workers by 2013.1n More than 500 million mobile banking users by 2015.2

Customer profilen Retail and universal banks in developed countries with a large customer

basen Banks requiring deployment flexibility, such as:

n In-house or hosted environmentsn Single or multibank deploymentsn Incremental functionality deployments

n Banks desiring complete integration with their existing multichannel architecture for retail delivery.

Value propositionBy enabling customers to manage their bank accounts via mobile devices, banks can:n Offer a better user experiencen Reduce operational costs

Mobility for the banking industryMarket opportunity – banking for the banked

n Build customer loyalty and stickinessn Open new revenue streams

1) IDC Forecast 2) Juniper Research


How mobility helps banking organizationsOpportunities for your business

Mobile Banking

• Enable your customers to manage their bank accounts whenever they want and wherever they are

• Let your customers deposit checks remotely

• Let your customers find your nearest ATM or branch whenever they need to find you

• Let your customers make person-to-person payments without hoarding cash

Mobile Payments

• Provide your customers wallet management with multiple sources of funds

• Equip customers for remote and proximity-enabled purchases

• Enable money transfer to known or unknown consumers

• Let customers make mobile bill payments and loans repayments

• Provide microfinance services to under-banked or un-banked consumers

Mobile Top-Up

• Enable your customers to top up any prepaid phone directly or via vouchers

• Enable your customers to top up their mobile account using funds from a bank account

• Provide prepaid micro-credit services in emerging as well as established mobile markets

Mobile Remittance

• Enable your customers to to transfer money across borders from an agent, mobile wallet, or bank account

• Enable your customers to make ATM cash-outs without a bank card

• Manage a friends-and-family list

• Let your customers buy a remittance voucher and manage list of beneficiaries


Opportunity for Your Business Mobility-Enabled Innovations Capability Enabled By• Enable your customers to manage their bank

accounts whenever they want and wherever they are

• Let your customers deposit checks remotely• Let your customers find your nearest ATM or

branch whenever they need to find you• Let your customers make person-to-person

payments without hoarding cash

Mobile banking• Account balances, account

statements, transaction history• Alerts management• Funds transfers• Branch or ATM location finder• Person-to-person payments• Remote deposit capture• Card activation and cancellation

• Sybase mBanking 365• Solution available now

• Provide your customers wallet management with multiple sources of funds

• Equip customers for remote and proximity-enabled purchases

• Enable money transfer to known or unknown consumers.

• Let customers make mobile bill payments and loans repayments

• Provide microfinance services to under-banked or un-banked consumers

Mobile payments• Wallet management• Remote and proximity-enabled

purchases• Money transfers• Bill payments• Loans repayments• Microfinance-related services

• Sybase mPayments 365• Solution available now

Mobility for the banking industry – use casesMobile banking, mobile payments


Opportunity for Your Business Mobility-Enabled Innovations Capability Enabled By• Enable your customers to top up any prepaid

phone directly or via vouchers• Enable your customers to top up their mobile

account using funds from a bank account• Provide prepaid micro-credit services in

emerging as well as established mobile markets

Mobile top-up• Top-up of prepaid phones• Top-up of mobile accounts• Prepaid micro-credit services

• Sybase mTopUp 365• Solution available now

• Enable your customers to transfer money across borders from an agent, mobile wallet, or bank account

• Enable your customers for ATM cash-outs without a bank card

• Manage a friends-and-family list• Let your customers buy a remittance voucher

and manage list of beneficiaries

Mobile remittances• Remittances• Remittance vouchers• Money transfers• Card-less ATM cash-outs

• Sybase mRemittance 365• Solution available now

Mobility for the banking industry – use cases Mobile top-up, mobile remittances


Use case detailMobile banking

Description

By introducing Sybase mBanking mobile banking services, financial institutions enable their customers the flexibility and convenience of managing their finances over their mobile phones.

Financial institutions can integrate the mBanking platform with existing e-channel banking platforms or with their core banking systems so that they can offer and support innovative mobile commerce applications and services.

Current customer situation

Today, banks’ users are connected and mobile. They expect banking services to be available at their fingertips. Simply providing an on-line Website for channel access is no longer enough. Users expect to consume bank services wherever they are and whenever they want.

Value proposition

Mobile banking makes the customer’s banking experience more convenient. By expanding channel choice into mobile banking, banks can build customer loyalty and satisfaction while at the same time offer a better service and reduce operational costs.

For banks that want to reach and serve particular customer segments better, such as Gen Y users and road warriors or unbanked populations in developing nations, mobile banking is the single, most effective communication channel to reach these customer segments.

Outcome opportunity

n Continuous customer service n Increased cross-sales opportunitiesn Increased revenue opportunities for fees and services

Available NOW


Description

Sybase mPayments supports payment-related services, such as wallet management, with multiple sources of funds, remote and proximity-enabled purchases at any merchant acceptance point, money transfer to known or unknown consumers domestically, bill payments, and loan repayments.

mPayments also enables banks to offer microfinance-related services to under-banked or un-banked consumers.


Many markets and countries have significant under-banked populations. Cash is still the dominant payment method and access to banking services is limited to urban areas. Use of cash exposes individuals to risk of theft and businesses to fraud.

Value proposition

mPayments supports all popular messaging channels so that financial institutions can appeal to a broad consumer base.

With mPayments, banks have multiple options for creating low-cost payment services, such as money transfers, microfinances, account balance inquiries, bill payments, loan payments, and person-to-person payments.

Banks in developed and emerging markets can rely on mPayments for a complete mobile banking solution that supports all mobile transactions conducted by mobile phone.

Outcome opportunity

n Use of the mobile wallet reduces dependency on cashn Access to increased financial services facilitates business

and money movementn Individual and business liquidity increases as fund access is

increased

Use case detailMobile payments

Available NOW


Description

Sybase mTopUp enables banks to support mobile top-up activities with prepaid mobile phones. Top up services enable bank customers to make domestic and cross-border money transfers, pay at point-of-sales (POS) terminals, do highly secure online shopping, pay bills, and execute bank services from their mobile phone.

A popular top-up feature, prepaid micro-credit is traditionally dominant in emerging mobile markets, but it has also rapidly gained popularity in highly penetrated mobile markets. To capture customers in these markets and address customer needs with services, banks require a low-cost, rapid-entry solution with a high security level.


Topping up a phone with stored value requires the user to visit a store. Any current stored value has no ability to be transferred or cashed out.

Value proposition

Mobile top-up is an ideal way to get consumers to start seeing their mobile phones as a payment device.

By enabling their customers to add value to their mobile accounts without having to purchase physical top-up cards, banks can help simplify their customers’ banking and payment habits by giving them instant access from any location to complete a top-up transaction with a single SMS message.

Outcome opportunity

n Stored value in minutes can be added from the devicen Users can now be notified via SMS if the stored value

account reaches a threshold leveln Customers can add value anytime and from wherever they

are, without the need to visit a store

Use case detailMobile top-up

Available NOW


Description

Sybase mRemittance is a complete mobile, cross-border, person-to-person payments solution that supports all mobile transactions conducted by a mobile phone.

In addition to supporting the ability to transfer money across borders from an agent, a mobile wallet, or a bank account, it also supports the ability to perform ATM cash-outs without an ATM card, perform airtime transfers across borders, buy remittance vouchers, and manage a list of beneficiaries.


Sending money from one user to another across international borders requires a user to use a physical funds movement store location or wire transmission services of bank. Both are costly and inconvenient.

Value proposition

A flexible and comprehensive payments solution, mRemittance adapts to all networks, mobile devices, languages, and currencies across all mobile channels.

Together with an mRemittance hub, banks are able to manage remittance transactions across multiple service providers.

As a low-cost channel, mRemittance is ideal to be deployed to open up new customer segments in emerging markets.

Outcome opportunity

n Increased funds movement transmissions, increased revenuesn Lower individual transmission costn User convenience of money movement anytime, anywhere

Use case detailMobile remittance

Available NOW


And your IT department will thank you

Why? You’ll mobilize the business AND lower IT costs

Flexible■ Core business processes supported inside and outside the

enterprise■ Comprehensive mobile platform for businesses and consumers■ Connected to SAP and non-SAP software and data sources■ Ability to extend mobile apps or build your own on top

Secure■ Safe access at all times for mobile devices■ Management and security throughout the entire device lifecycle

Increase ROI

■ Extended and enhanced use of SAP software

■ Integration with SAP applications

■ Secure provisioning and management of employee/contractor owned devices

Afaria v6.0 – Ranked as a leader in the Forrester Wave: Mobile Device Management Solutions, Q2 2009” report, Forrester Research, Inc., April 2009

Leader in MDM for 9th year in IDC Worldwide Mobile Device Management Enterprise 2010-2014 Forecast 2009 Vendor Shares Report, August 2010.


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