Aseba ji mba_presentation_solution_overview_nbv5_style

ASEBA JiMBA Solution Overview

01.06.2010.

ASEE Dražen Pehar

ASEBA JiMBA Solution Overview

ASEE Igor Gržalja

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Agenda

Mobile world todayMobile banking: Set to Growth?Mobile banking: Technology?Mobile banking: Case Study

ASEBA JiMBA: Solution OverviewDiscussion

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Mobile Banking

just Hype……or Ripe?

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Mobile World Today

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Mobile world todayEurope penetration

     > 130%

     115-130%

     100-115%

     < 100%

Source: Wikipedia

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Mobile world todayEverywhere, Anywhere!

Mobile phone is the most ubiqitous

TERMINAL DEVICE

TODAY!

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Mobile BankingSet to Growth?

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Mobile financial services worldwide

Mobile banking has a potential to become primary banking channel

Mobile financial services opportunities:

new revenue streams new marketing channel new clients acquisition and retention of existing clients new product and services introduction possibilities (in collaboration with other companies)

Money transfers and payments over mobile phones will be among the top 10 most important mobile applications by 2012, together with location-based services, search, browsing, health monitoring, advertising, instant messaging, music etc. (Gartner, Inc.)

By 2013, mobile phones will overtake PCs as the most common Web access device worldwide; smartphones and browser-equipped phones will exceed 1.82 billion units (Gartner, Inc.)

In the past several years mobile market is one of the fastest growing

In the past several years mobile payment industry is experiencing steady growth: in 2008 43,1 million users, in 2009 73,4 million users - growth 70,4% (Gartner, Inc.)

Mobile banking identified as the “killer application” for the next generation of mobile phones (German Mobilcom)

Mobile financial services growth remains strong despite crisis

TODAY TOMORROW OPPORTUNITIES

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Source: Celent, May 2008

Mobile BankingSet to Growth?

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Mobile BankingSet to Growth?

Worldwide number of users of m-banking & related services will grow to 913m in 2014, compared to 20m m-banking users in 2008.

Mobile banking has huge potential

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Mobile banking?

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Mobile banking?

Checking balances?Checking transaction history?Purchasing Pre-paid vouchers?

Bill Payments!Money Transfer!Stock Trading!Investment Fund Management!

Marketing Campaigns!Personalized messages!

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Requirements on Direct banking services…and on m-banking in specific?

Simple & Intuitive user interface!User interface mobile device independent!

Mobile operator independent!

●Simple to use●Availability of terminal devices●Availability of service●Transaction processing time requirements●Cost reduction●Security●Reliability

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M-banking technologiesComparison

SMS Mobile browser SIM Toolkit J2ME/iPhone Application

Unsecure – low or non existing security possibilities

Good security dependant on external devices.

Excellent security possibilities

Excellent security possibilities

Week functionalities:-good for alarms or info presentation-complex to use for payments

Good functionalities, but dependant on mobile device Internet browser possibilities.

Very limited functionalities, difficult to deploy and maintain (upgrades)

Rich functionalities and client application possibility of using advanced mobile device functionalities (Touch screen, LBS, etc.)

Most mobile devices model independent

Mobile device model dependant

Most mobile device model independent

Mobile device model dependant

Dependant on MNO Non dependant on MNO Extremely dependent on MNO

Non dependant on MNO

No branding possible Branding possible Limited or no branding possible

Branding possible

Non existing friendly user interface (user has to know the commands)

Graphical user interface exists, but difficult to maintain consistent visual appearance on mobile devices.

Limited user interface, non consistent visual appearance (dependant on mobile brand and model)

Graphical user interface exists, easy to maintain consistent visual appearance

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M-banking technologiesApplication?Nokia's App Store will launch with 20,000 items

by Brad Linder (RSS feed), May 9th 2009 at 12:00PM

Samsung Application Store will go live from September 14by Samsung Hub, on August 31st, 2009Around 300 applications will be up for download and is expected to grow to 2000

apps by the end of this year.

Sony Ericsson Joins the App Store Crowd, by Kerry Capell , Technology June 3, 2009

By August its customers will be able to personalize their phones with a range of downloadable utilities, tools, and games over multiple platforms. Another differentiator for Sony Ericsson is that, thanks to Java, it aims to migrate the phenomenon of downloadable apps down from high-end smartphones—which typically cost upwards of $500 before rebates—into more prosaic "feature phones" that can cost less than $200.

The movement to apps, and away from old-school "browsing," is unstoppable. The iPad joins a growing list of new devices (Android, Kindle, etc.) that are app-primary, browser-secondary (note 3).

Nokia App Store

Windows Marketplace

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Mobile bankingASEBA JiMBA

ASEBA JiMBA m-banking

on Java Phones and iPhones

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ASEBA JiMBA Main Solution Components

End-user’s client application installed on mobile phoneMobile Internet connection to mobile operator (GPRS/EDGE/UMTS)Mobile banking server accesible from InternetCore banking providing information and executing transactions issued

by client application

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ASEBA JiMBASecurity

Communication•Server side SSL/TLS Encryption• Integrated token for authentication (Chalenge - Response)

Non-repudiation:• Integrated token for Digital Signature (MAC)

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ASEBA JiMBAService Activation

1. End-user applies for servicea. At branch officeb. Using Internet banking

2. Request is sent to provisioning platform3. SMS with link for client application

download is sent4. Activation code is sent

a. Via SMS or e-mailb. Using Internet bankingc. Via secure PIN mailer

5. End-user downloades the application, starts it, enters the activation code and defines own PIN

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ASEBA JiMBAService Usage1. After installing and succesfull activation, user accesses

the application using PIN2. PIN decrypts local keystore3. Using secret key, application generates One-Time-

Password and sends it to server side for validation4. Once OTP is positively authenticated, user is granted

access to information and services delivered by solution

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m-zaba real production demo

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ASEBA JiMBAStandard Edition (1/2)Accounts balancesSavings informationTransactions’ HistoryCurrency exchange informationMulti-language support

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ASEBA JiMBAStandard Edition (2/2)

Payments/Money transfersPayment TemplatesTransactions’ History ReviewsMarketing Campaigns and Personal Messages

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ASEBA JiMBAExtended Edition

Credit / debit card informationCard transactions informationPre-paid mobile phone vauchers purchasingInvestment funds information and transactions

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ASEBA JiMBAAdvanced Edition

ATM/Branch E-tradingMobile gift cardsMobile ticketing

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ASEBA JiMBA Integration Points (1/3)

Registration – service contractinga) at branch office – registration application must exchange registration

data with provisioning platformb) through Internet banking – end-user logs-in to existing Internet

banking account, requests mobile banking service and gets the activation code

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ASEBA JiMBA Integration Points (2/3)Information and transaction

processing

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ASEBA JiMBA Integration Points (3/3)Sharing transaction templates with Internet banking

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ASEBA JiMBA Supported Mobile Phones

J2ME mobile phonesBlackberryWindows MobileAndroidiPhone & iPad

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ASEBA Tested & Certified – 450+ devices

iPhone, BlackBerry 8100, BlackBerry 8300, BlackBerry 8310, HP iPAQ 6915, HTC S710, HTC S730, HTC TouchDual, HTC TyTN, HTC TyTN_II, LG KE850, LG KE970, LG KU250, LG KU800, MDA Touch Plus, MDA Vario1, MDA Vario2, MDA Vario3, Motorola K1, Motorola L6, Motorola L7, Motorola V235, Motorola V3, Motorola V3r, Nokia E51, Nokia E61i, Nokia E66, Nokia F305, Nokia N70, Nokia N73-1, Nokia N80, Nokia N91, Nokia N95, Nokia 3110, Nokia 5300, Nokia 5310XpressMusic, Nokia 6085, Nokia 6110Navigator, Nokia 6111, Nokia 6120, Nokia 6151, Nokia 6230, Nokia 6233, Nokia 6288, Nokia 6300, Nokia 6500, Nokia 6680, Nokia 7370, Nokia 8600, Nokia 8800, Qtek 8500, Qtek 9100, Samsung SGH-E740, Samsung SGH-J700, Samsung SGH-U700, Samsung SGH-U900, Samsung SGH-Z240, Samsung SGH-Z560, Samsung SGH-Z560-Vodafone, SonyEricsson K510i, SonyEricsson K530i, SonyEricsson K600i, SonyEricsson K610i, SonyEricsson K750i, SonyEricsson K770i, SonyEricsson K800i, SonyEricsson K850i, SonyEricsson M600i, SonyEricsson P990i, SonyEricsson S500i,SonyEricsson T303, SonyEricsson T650i, SonyEricsson W200i, SonyEricsson W580i, SonyEricsson W760i, SonyEricsson W800i, SonyEricsson W880i, SonyEricsson Z530i, SonyEricsson Z800,…

ASEBA Proven in Production – 700+ devices

Alcatel, Asus, Audiovox, BlackBerry, HP, HTC, LG, MDA, Motorola, Nokia, Panasonic, Qtek, Sagem, Samsung, Sanyo, Siemens, SonyEricsson,…

ASEBA JiMBA Supported Mobile Phones

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ASEBA

J i M B A ?

Mobile banking

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Simple, Fast, Secure!Low Data Trafic = Low Service Costs! (20080611_hr_mobile_internet_troškovnik.xls )

Short “Time to Market” Period!From Standard Edition to Advanced Edition within one solution!

Mobile bankingASEBA JiMBA?

Mobile Operator IndependentMobile Network Independent (from GPRS to 4G)Not only SmartPhones, “just mobile phones” support (700+ today)

Mutiple implementations!Experienced development team!

Strong local support through Asseco Group!

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m-zaba (mobile banking)

Zagrebačka banka (UniCredit)

50.000+ active end users

mToken (strong authentication)

Pekao S.A, Poland (UniCredit)

m-ba (mobile banking)

UniCredit BH, B&H

mPBZ (mobile banking)

mToken (strong authentication)

Privredna banka Zagreb (Intesa)

mPexim (mobile banking)

Pexim Service Center, Serbia

and more coming soon..34

ASSECO m-aplications

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T H A N K S !We welcome you at Asseco Branch of the Future to download and test ASEBA mobile banking

Test mobile transfers