With the rapid adoption of mobile payments in the financial space, how will financial institutions such as banks bridge the gap between security and adoption? This presentation addresses the challenges and presents a on-device mobile solution.

1. Revolutionizing
Mobile Payment
Fraud Prevention

2. The Market Challenge
$700 B Total Transaction Volume
$2,500B by 2020
6X Fraud Losses
Relative to card
113% Fraud Victims
from 2014
$2.4 Fraud Handling Cost
per $1.0 fraud

3. The Tradeoff
Tokenization
Authentication
Legacy (Back-end) Fraud Detection
Call Center
OTP / KBA
Chargebacks
Operational
Cost
Amount Based Authentication
Lack of confidence
High Friction
Experience
& Adoption
Security
Security
Adoption
Cost

4. Verified Transactions (~10%)
Wallet Receives
Transaction Details
Paygilant
Fraud detection
User Verification
Wallet confirms
transaction
Fraud Prevented
The majority of the transactions approved w/o verification process
The Paygilant Approach – Bridging the gap between security and adoption

5. Tradeoff Solved
• 3X better detection than traditional systems
• 60% operational cost reduction
• Improved shopping experience and customer confidence
Wallet Data center / Cloud
Paygilant Servers / Cloud
Behavioral
History & Real-Time Transaction DataHabit-Based
Device & App Handling

6. Brick & Mortar
Transactions
(NFC, QR)
Online
Transactions
(P2P, In app)
Multi-Card (Credit, Debit, Loyalty, Gift) Protection

7. 1:1000
Depth of Field and Behavioral Maps Technology
Paygilant Approved Process
Back office Fraud Detection Process
1:10

8. Selected by Leading Companies
European Union Commission
Selects Paygilant’s Mobile
Wallet Fraud Detection
Technology

9. The Team

10. Thank You