Mobile Money Innovation & Growth Opportunities

Peter Heuman - Vice President and Head of Ericsson M-Commerce

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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#1 MOBILE INFRASTRUCTURE

OPERATIONS & BUSINESS SUPPORT SOLUTIONS

SERVICES

TV & MEDIA DELIVERY

35,000

25,000

32 BSEK 64,000

2.5 Billion

1 Billion

180

50%

114,000

Subscribers

managed by us

Subscribers

supported by us

Services professionals

LTE smartphone traffic handled by our networks

Employees

Countries with customers

R&D Employees

Patents

In R&D

Ericsson At a glance

227 BSEK Net Sales 2013

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minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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Pace of change

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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The challenge & opportunity

2.5Bn people don’t have bank accounts

in the world

200M mobile wallet users

in emerging markets

Build financial access through digital technology

1.7 bn of unbanked have a mobile phone

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44 pt

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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Innovation & execution required in all dimensions

INN

OV

AT

ION

Applications & Services

Fit-For-Purpose Regulatory Framework

and Government Engagement

Financial Inclusion &

Stakeholder Activation

Technology

& Processes

Ecosystem

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44 pt

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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OUR VISION A world where financial services are

accessible to all and interconnected to

each other.

Where sending money is

as easy and affordable as sending an

SMS.

And where any device is a

commerce device

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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open money

CONNECTING THE ECO SYSTEMS

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Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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accelerate & enable

Mobile

Commerce Mobile

Financial

Services Mobile

Payments

Number of

activated wallets

Revenue from Mobile

Money consumers

P2P transfers

Airtime Top-up

International Remittance

Loans and Savings

Insurances

Cards

Online purchase

Video and Music Content

Loyalty

Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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Ericsson‖s approach

Regulatory Framework and Government Engagement

Financial Inclusion and Stakeholder Activation

Technology and Processes

Application and Services

Ecosystem

Regulatory Outreach Program

NGO collaboration, Investment

Funds

Dedicated development team,

Innovation Hubs

Dedicated Growth Managers,

Business development opportunities

Local and Global Partnerships

Source: Ericsson M-Commerce Analysis, Ongoing Ericsson Activities

End t

o E

nd S

erv

ices

Ideal Partner

Flexible Solution

Asbanc: Innovation, Partnership, Solution

•

•

Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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Mobile Payment Solutions in US/EU

Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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MTN Group & Ericsson

Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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› Innovation, adaption & execution - in all dimensions

› Digitization of cash & financial inclusion - key for social growth

› Mobile technology - lower distribution costs, secure transactions

› Purpose driven partnership between key stakeholders

› Sustainability

Conclusions

Slide title

44 pt

Text and bullet level 1

minimum 24 pt

Bullets level 2-5

minimum 20 pt

Characters for Embedded font: !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~¡¢£¤¥¦§¨©ª«¬®¯°±²³´¶·¸¹º»¼½ÀÁÂÃÄÅÆÇÈËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðñòóôõö÷øùúûüýþÿĀāĂăąĆćĈĉĊĎďĐđĒĖėĘęĚěĜĝĞğĠġĢģĤĥĦħĨĩĪīĬĭĮįİıIJijĴĵĶķĸŐőŒœŔŕŖŗŘřŚśŞşŠšŢţŤťŦŧŨũŪūŬŭŮůŰűŲųŴŵŶŷŸŹźŻżŽžſƀƁƂƃẀẁẃẄẅẆẇ–—―‖‗‘’‚‛“”„‟†‡•‣․ĀĀĂĂĄĄĆĆĈĈĊĊĎĎĐĐĒĒĖĖĘĘĚĚĜĜĞĞĠĠĢĢĤĤĦĨĨĪĪĬĬĮĮIJIJĴĴĶĶĸĸŐŐŔŔŖŖŘŘŚŚŞŞŢŢŤŤŦŦŨŨŪŪŬŬŮŮŰŰųųŵŵźŻ‥…‧

ƄƅƆƇƈƉƊƋƌƍƎΕΖΗΘΙΚΛΜΝΞΟΠΡΣΤΥΦΧΩΪƄƅƆƇΰαβγδεζηθικλμνξρςΣΤΥΦΧΨΩΪƈƉƊ

ЁЂЃЄЅІЇЈЉЊЋЌЍЎЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЏАБВГДЕЖЗИЙКЛМНОПРСТУФХЦЧШЩЪЫЬЭЮЁЂЃЄЅІЇЈЉЊЋЌЍЎѢѢѲѲѴѴҐҐәǽẀẁẂẃẄẅẆẇ№

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It‖s time for Money to Change When money is open, the way we send, spend,

and receive money will change forever.