this presentation was delivered during the Media & Telecom conf. 09 in Amman, Jordan

1. A Leading e-Payment Solution/ Service Provider How soon can the Arab world accept mPayment? Remittance . m/eCommerce . Topup . Bill Payment Janti M. Abdallah, MBA Division Manager, ePayment Solutions (STS) Executive Director, PAYNET (an STS subsidiary)

11. Classification of MP (Model 1) Source: ONDRUS and PIGNEUR, 2006

12. Classification of MP (Model 2) Source: KREYER, POUSTTCHI and TUROWSKI , 2003

13. Classification of MP (Model 3) Source: MALLAT, ROSSI and TUUNAINEN 2004 Telephone bill credit card offline payment Direct debiting electronic cash/ digital wallet smart cards/ prepaid cards Method for Settlement post-paid instant-paid Prepaid Deduction Time subscription / standing order Pay per product unit pay per time unit Payment Frequency Account based Token based Basis of Payment Operational Special payment software Dual slot/ dual card phone Internet enabled phone Text message exchange Technology Required No Yes Pre-registration Needed? No Body Merchant Bank/ Financial Service Provider MNO Payment service provider Receiver of Customer Data Others Spec intermediary Bank/ Financial Service Provider MNO Payment Service Provider Participants Macro payments (< $50) Macro-payments (< 5$ to $50) Micro-payments (> 10 cents to $5) Pico-payments (≤ 10 cents) Payment Levels C2C Stationary Merchant (Auto) Stationary Merchant (Person) EC MC Payment scenarios Strategic Instances Characteristics

15. System diagram Banking Host mWallet *12345# USSD G/W ePayment Gateway ATM/ CDM EFT POS

16. Accepting Deposits? mWallet n ($10) mWallet 3 ($50) mWallet 2 ($15) mWallet 1 ($10) Account Z Account C Account B ($85) Account A vAMS @ Program Manager Core Banking System @ Partner Bank Neither Program Manager, nor MNO should handle real cash/ funds

17. Supported Dr/ Cr Transaction mWallet 1 mWallet 2 [1] Via EFT POS terminals deployed @ post offices, exchange houses [2] Via Bank ATMs/ CDMs [3] Via Internet [4] Via EFT POS terminals deployed participating merchants/ outlets [5] Via GSM handset - USSD Bank Account [2,3] GSM airtime? [5] Transfer [5] Top-up [3,5] Goods purchase [3,4] Cash-in [1,2] Credit/ Debit Card [3] Cash-out [1,2] Bill Payment [3,4,5]

25. ePayment @ STS Running National Payment platforms in Jordan, Qatar, KSA and UAE.. Contracted to process more than 15 million payment transactions a year (> $1 billion in value) Well positioned to undertake a leading role that will help shape a successful MP scheme

26. Thank You! For more information please contact: Janti M. Abdallah, MBA Division Manager, ePayment Solutions (STS) Executive Director, PAYNET (an STS subsidiary) e-mail: [email_address] Mob (JOR): +962 79 697 6771 Mob (UAE): +971 50 1577 637