This is a presentation of the DWI Mobile Financial Solutions

1. DWI Mobile Financial Services (MFS)

3. What is needed

4. What is needed Security and Privacy Fraud and theft-free Simple Easy to use Pricing Low cost Accessibility Always and everywhere available Mobile banking and financial solutions User viewpoint Security Fraud and theft-free Evolving Evolving with the market and the technologies Easy to integrate with existing platforms Reliable Always and everywhere available Company viewpoint

5. Our philosophy

6. Our philosophy Flexibility Security KISS principle Modularity Interoperability Pluggability

7. What we offer

8. What we offer DWI MFS Pluggable Modular Easy upgradable Secure Reliable Easy to integrate Scalable Interoperability

9. Architecture overview

10. Architecture overview

11. Core features

12. Core features 1. Supported channels: USSD, WAP, WEB, SMS, IVR 2. Security: Fraud Management, Blacklist, PIN Management 3. Internationalization (user language set via profile preferences) 4. International money remittance

13. Additional features

15. Supported services

16. S upported services 1. Remittance (simple and recurrent) 2. Peer-To-Peer transfer (simple and recurrent) 3. Micro-payment and cash deposit/withdrawal 4. Bill payment 5. Purchase (merchant payment) 6. Prepaid Top-up and Tie-ins 7. Financial transactions with banks and financial institutions 8. Short-term Credit 9. Saving

17. Advantages of DWI MFS

18. Advantages of DWI MFS 1. Ease of integration 2. Low cost due to open sources and licenses free solutions used 3. Ease of maintenance 4. Internationalization 5. Simplicity

19. About DWI Technologies

21. We are waiting and keen to build a solid and long-term partnership with you. For more information, please contact Daniel Wamara at dwamara@dwitech.com or at + 49(0)163 219 1287