We make it simple, easy & reliable

Who we are

Digital Mobile Money offers state of the art technology products, consulting services, and solutions across completely unbanked to partially banked markets. We revolutionized the way to help Banks, Mobile network operators (MNOs), Merchants/Retailers to create and provide high quality and cost efficient digital financial services to their clients. We provide you the products and methodology that dramatically decreases your time-to-market to start providing high quality experience to your customers. Our products, solutions and consulting services portfolio mix have all the capabilities to lead our clients in following areas:

1. Mobile Financial Services2. Mobile Money3. Branchless Banking

About Us

We are operating in Digital and Mobile Financial Services space since 2008 directly, individual’s combined experience, or through our network of partners. Headquartered in Melbourne, Australia, DMM has a network of well-established offices and partners across Australia, US, Europe, Singapore, Canada, Myanmar, Pakistan, South Africa, Thailand, UAE, and United Kingdom. Our strength is our partner and professionals network from across the Financial Services ecosystem, with members ranging from top tier financial services companies to entrepreneurs & independent consultants with vast experience in Mobile Money. We have worked closely with our partners to deliver products, solutions, and consulting services meeting our client specific needs. DMM’s key strength is its partner eco system that helps provide a suite of products and pool of highly experienced subject matter experts.

For further information and demo on Smart Customer App, please email us on:hello@digitalmobilemoney.com.au

Our Mission

Today’s business mantra is customers. According to “Outside In”; a research by Forrester Research analysts, we live in

customer’s age. To fulfil this business mantra, DMM promises to provide you the products and methodology that

dramatically decreases your time-to-market to start providing high quality and low cost digital and mobile financial services

to underserved/unbanked and banked customers.

Muhammad Hamayun SajjadCEO

A seasoned entrepreneur that holds various positions as board member and director at D3, Webcom, and Welkin International. With over 15 years’ experience in the mobile financial services, payments industries, and telecommunications A Technologist who has management excellence in his DNA. With a deep rooted experience in IT solutions and a 360 degrees understanding of business drivers, Hamayun has a great passion for business enhancement leveraging the powers of ICT. As an executive he served Telenor, Teradata, NCR, and Bentley.

He has been member of core team responsible for various Mobile Money & Pure Digital Banking launch and operations. Brands to which he contributed includes Wave Money Myanmar, Easypaisa Pakistan, Telenor Banka Serbia, and Paysbuy Thailand.

Vast experience in operating across different countries in EMEA & APAC region namely Myanmar, Thailand, Australia, Singapore,Serbia, Hungary, and UAE. Built strong network with top executives and government officials by spending significant time on ground in these countries.

Clients & Partners

Mobile Money & Financial Services

According to GSMA, only in developing countries, 2.5 billion people are ‘unbanked’ and have to rely on cash or informal financial services which are typically unsafe, inconvenient and expensive. However, over one billion of these people have access to a mobile phone. This provides the basis for mobile money services to deliver convenient and affordable financial services to the underserved. As mobile money services have grown with over 100 million active customers providers are seizing the opportunity to use mobile money as the foundation for offering unbanked and underserved customers a wide variety of financial services. While domestic P2P and airtime top-up services still dominate, services such as international remittances, bulk disbursements, bill payments, merchant payments, insurance, credit, and savings grew rapidly in 2014. With 255 services in 89 countries as of December 2014, mobile money is now available in 61% of developing markets worldwide. Right now we are witnessing an influx of new, tech-savvy, digital competitors – MNOs – all eager for a piece of this lucrative financial pie.

(source: GSMA MMU)

“Banking the unbanked: The mobile money revolution: Changing lives of a common man”

Why Choose Us

Digital Mobile Money through its consultants and partners have been part of many success stories as well as many failures this puts us in a unique position.

ExperienceOur people are among the pioneers in mobile money deployments working in diversified mobile money markets around the globe since 2008.

Exposure & Global ReachOur consultants have worked in emerging mobile money markets around the globe. Markets including Thailand, Myanmar, Ethiopia , Serbia, and Pakistan.

Breadth of knowledgeMobile money, branchless banking, mobile banking, Internet only, and digital banks. Technology value chain span across MNOs, Banks, Financial institutions, Retail, and government organizations.

Partner EcosystemBest of breed network of fintech, third party vendors, evangelists, and plug-ins providers partnering DMM.

Products & SolutionsWe offer a full suite of financial services products with open interfaces easily pluggable. MFS business demands products and solutions which adapt to ever changing market demands. Out of the Box products available for desktop, smartphone & devices also embedded systems.

Consulting Products & ServicesEach consulting service offered by DMM is a product in itself. We follow structured approach, a well-defined framework, and trusted methodology. Each client engagement adds back in to product maturity.

Consulting Services

DMM consulting services team has experts who developed consulting products based on years of experience and interaction with clients across the world.

• Agent / Distribution network liquidity and cash management

• MFS IT architecture review & optimization

• MFS platform migration planning & design

• MFS project management

• Opportunity assessment• Product roadmap

development• Risk management framework• Back office processes

optimization

Opportunity Assessment

Traditionally in MFS (Mobile Financial Services), Opportunity assessment is used when Banks, MNOs, Merchants and other companies are considering entering new emerging mobile money markets or to start providing the mobile money services to their existing underserved customers. Offering this service enables DMM pin point

new mobile money market opportunities by giving you the market size estimate, identifying market requirements, barriers to entry, and how to cope with competitors if you are trying to serve the already existed

MFS market.

1. Analyse & establish value proposition

2. Identify target market3. Opportunity sizing / market size4. Competitive landscape analysis5. Your unique selling propositions

6. Opportunity window analysis7. Go-to-market strategy8. Return on Investment analysis9. Establish critical success factors10. Final outcome /

Recommendations

Risk Management Framework

The activities related to Risk Management Framework are paramount to an effective mobile money security program and can be applied to both new and legacy information systems within the context of the mobile

money system development life cycle. Our all-round Risk management approach not only addresses effectiveness & efficiency in selection & specification of security control criteria, but also considers the MFS constraints such as applicable laws & regulations related to providing Mobile financial services, directives,

Executive Orders, & other organizational policies. Our RMF services, to select & specify the appropriate security controls revolve around the following steps;

1. Categorization2. Selection of security controls3. Implementation &

Documentation

4. Assessment5. Authorization6. On-going basis Monitoring &

Reporting

Product Roadmap Development

Roadmaps need to be maintained as “living” pictures which enable gaps and opportunities like “mobile money services” to be spotted when they occur rather than months down the line when finances may have been

needlessly wasted and competitive advantages lost.

Our custom offerings target MNOs, Banks, and Merchants/Retailors interested in implementing or investing in MFS. As such, we develop road map to help mobile money service providers to structure their resources and

offerings to take full advantage of mobile and financial opportunities.

1. Reduced mobile money service R&D costs and duplication of effort

2. Optimal usage of existing technologies to develop new revenues

3. React quicker to competitors and market changes

4. Launch new mobile money services faster5. Cancel low profit projects and services

sooner

BENEFITS ACHIEVED THROUGH ROAD MAPPINGTypical benefits achieved through Road mapping in providing mobile money services include:

6. Improve customer and agent relationships7. Encourage more innovative ideas8. Focus on the most profitable mobile money

market scenario9. Better planning and deployment of finances

and resources in mobile money ecosystem

MFS Platform Migration Planning and Design

Currently we are in era of 2nd generation MFS platforms whereby the first generation platforms are either end of life or new product development takes ages from concept to launch. The new 2nd generation platform

promises faster and more secure transactions for customers enhanced system stability, functional flexibility to allow more customer service, easier integration onto existing core system; and improved business continuity for continued service availability. According to experts in digital financial services, the 2nd generation platform will

unlock a new era of transformational mobile financial services.

1. Assessing the current environment to migrate

2. Network design & security3. Migration project planning

4. Target architecture5. Capabilities of tools & processes6. Risks, mitigations, and roll back

strategy

Back Office Processes Optimisation

Your back office operations are often the very heart of your organisation, but do you know whether they are working efficiently and serving purposefully as well? There are three ingredients to a well-oiled back office

environment – transparency, alignment, and motivation. We certainly can help.

The DMM Back Office Processes Optimisation (BOPO) service enables the back office to do their best work by automating and simplifying many activities in back-office operations.

1. Process clutter reduction by simplifying

2. Process consolidation & automation

3. Transparent picture of productive time

4. Daily data availability at all levels

5. Capacity planning 6. Variability in production time7. Real-time adherence

MFS IT Architecture Review and Optimisation

It is always a challenge to launch mobile money services in highly unbanked markets. We provide you the architecture that allows rapid changes to product design, high throughput to manage customer experience and

huge volumes of micro-transactions.

Hybrid of GSM & Banking IT

Skilled architects at DMM skilfully align corporate vision, business strategy and interconnected tactical objectives. With mobile client interfaces across multiple channels, our service help clients maximize customer reach. Channels like USSD, STK, SMS, J2ME, WAP, and Web that adds to complexity in terms of integration as

well as user experience.

Enterprise Architecture

Configuration Management

Change Management

Process Management

Information Management

Our Products & Solutions

DMM products & solutions portfolio mix for mobile financial services addresses all the stake holders in the mobile financial services ecosystem.

BANKSMOBILE MONEY

OPERATORSTELECOMOPERATOR MERCHANTS

Our Mobile Banking products help banks quickly jump on to Mobile

Money band wagon without compromising on its core values.

Expand you product portfolio by offering products ready to go to

market with fewer customizations and simple integration interfaces.

We help you to convert the threat of becoming bit pipe in to an

opportunity. We help you launch Mobile Money in matter of weeks.

Looking to expand your reach beyond your territories, our

products enable simple and easy payments, KYC, Customer Care.

Mobile Wallet Platform

MFS Core platform that has been designed to meet the fundamental business needs of Mobile Money, Branchless, and Pure Online Banking.

• Customer Onboarding• Manage Wallet• Pre-built transactions

• Money Transfer• Payments• Cash-in/cash-out• Airtime top-up • Bill payment • Disbursements

• Cards• International remittances• Self-care• Loyalty wallet• Multiple wallets

A configurable, scalable

connectable and secure platform

for individual and business accounts

Distribution & Agent

Management

RegulatoryCompliance

Cloud Ready

Product Management

SOA Design

Customer Care & Back

office

Multi-LanguageSupport

Quick Access BarVisible even toun-registeredcustomers

ConfigurableMenu options

Transparent foregroundallows campaigns to

run in background

Smart Customer App

Features

• Multi language support• UX & UI design characteristics• Money Transfer to account, mobile #, email,

Facebook friend, and ID• Top-up• Payments (Bills, shopping, online)• Self-care• Multiple accounts / Cards management• In app campaigns

Security

The Smart Customer app includes a collection of measures to deliver high standards of security and provide customers with peace of mind. These include:

• Multi-factor authentication procedures• Device level security management• Notifications on alternate channels

Smart Agent App

Features

• Smart customer on boarding / KYC capabilities• Usability design to support minimum thumbs per

transaction• Money Transfer & Cash In/Out• Transaction receipt printing• Payments (Bills, shopping, online)• Self & Customer care• Float management• In app campaigns

Security

The Smart Agent app is designed to offer layers of security mechanisms to give more control to master agent or distributor at the same time greater flexibility to retailer.

• Multi-factor authentication procedures• Device level security management• Notifications on alternate channels

Middleware

Doc. Mgmt.

Admin portal

AML Solution

Why RiskSecureTm

With its unique customizable options, offers a powerful solution to the mobile money in situations to monitor suspicious customer transactions electronically. It provides an “early warning system” to identify irregularities, errors and possible fraud. The monitoring is comprehensive, automatic and operates “round the clock”.

Features

• Advanced Analytical Engine• Interfaces with any financial platform• Existing interfaces for T24, Equation, iFlex, Prime,

and BANCS for quick implementations• Multi-level wanted name search (BOE, BIS,

UN.BIS)• Best practice AML reports part of implementation• Auto STR generator (suspicious transactions)• Linked to Basel II requirements • Advanced Risk Securing • Automatic workflow• Dashboard monitoring• Adjustable parameter alerts module

Automatically alerts designated managers when any suspicious transaction, based on set

parameters takes place.

RiskSecureTm includes highly sophisticated drill-down, querying and reporting to allow staff to

track trends that may indicate organized money-laundering operations.

Digital KYC & Customer CareHow Fast is your Customer Onboarding & Activation Process?

It is critical that process is followed in compliance with the regulatory mandate & company policies. Typically MFS operators face challenges:

• Lengthy paper based forms• Lack of tools to capture and transfer KYC• Data mismatch throughout the value chain• Customer dissatisfaction & Identity frauds

”A revolutionary on-boarding KYC solution that

can take less than 5 min from customer-agent handshake to wallet

activation”

Capabilities

• Capture: KYC data, photo, POI, POA, & biometrics

• Workflow: Real-time workflow processing• Doc. Mgmt. imaging and digital storage of

applicant information• Audit Trail: complete track of information at

every step• Alerts: email & SMS based alerts • Reports: Standard & custom reports

Device Features

• The device is android based, portable with no peripherals.

• Biometrics capability• Customized in-house built 2D barcode reading• Inventory system of devices• Capability to integrate & use peripherals over

Bluetooth

Microfinance Products

M-Loans

Mobile Money customers don’t have to go through long and tedious processes to get a micro loan approved & disbursed. DMM has developed a smart solution that can make it happen in matter for seconds to offer unsecured loans.

Features:

• Product creation environment• Interest calculator & Amortization scheduling• Credit scoring engine• Fee, Taxes, commission, and penalties• Admin portal with built in MIS capabilities• Open interfaces to integrate with Core MFS

M-Insurance

Insurance coverage is radically growing with millions of more low-income households get into better services via Mobile Money. DMM’s Insurance platform help connect Mobile Money operator with underwriter and customers.

Features:

• Product creation environment• Policy catalogue management• Rules engine to define e.g. waiting, grace,

renewal, and age limits. • Admin portal with built in MIS capabilities• Claims management & disbursement

M-Savings

“If You're Poor, There's No Way To Save Money. Right? Wrong!” - Rae Ellen

DMM platform enables you to go to market with unique micro savings products.

Features:

• Product creation environment• Hybrid products by combining insurance• Capability to define tiered amounts, daily

monthly, min, average balance view.• Easy activation via USSD, SMS, app or web

On DemandSoftware Product Development Services

UX & UI designing &

Usability testing

MFS Custom Product

Development

Over 20 years of experience & a team of more

than 200 Developers

Technologies

Contact Us

U 3 5 Pine Tree Avenue Glen WaverleyVIC 3150 Australia

Ph. +61 (0)420 491 132 | Email. hello@digitalmobilemoney.com.au

www.digitalmobilemoney.com.au