Simon Pepper Head of Product Tola Mobile Simon joined Tola Mobile - - PowerPoint PPT Presentation

Simon Pepper – Head of Product – Tola Mobile

Simon joined Tola Mobile in November 2016 and heads up the product ownership of the Tola platform, building

• n the existing wallet integrations in Africa and the

introduction in Europe, under an UK issued e-money license.

Simon mon Pepp pper er Head of Product

mobile payments made simple ple

‘Pay by Mobile’ & ‘Pay by SMS’ Tola Mobile Pay

• Launched in the UK – 1st half of 2017
• Provides “Pay by Mobile” & “Pay by SMS” functionality for e-Money Transactions
• Initially with limits of £30/day and £300/month for all networks
• Expenditure tracking managed per service per day/week/month
• Velocity management to limit service per day/week/month
• Dynamic soft/hard Blacklisting by subscriber/service/merchant
• E-Money Licence UK issued & Regulated by FCA
• Passported to France, Germany, Netherlands & Ireland
• Refunds
• In-Channel Refunds with all networks that can be charged

Tola Mobile Pay 1.0

• Straightforward APIs
• No hosted pages, No redirection, No iFrames
• No interruption to the Consumer journey on the merchant’s web-site
• Transacted amount is variable
• Easy for the Consumer to use
• Just their Mobile phone number to make a purchase or directly from their phone
• No PAN, Expiry date, CCV2, Billing Address and the digits of a password long forgotten or, worse,

written down

• And everyone has a mobile phone
• Secure
• No personal details are required or stored - important for the customer & merchant, re General

Data Protection Regulation (GDPR)

• No need for Tokenisation
• The only payment method with ‘real-time’ authorisation, where the Consumer is validated and

the payment authenticated within the payment mechanism process

Tola Mobile Pay

• Easy to implement
• 2 simple methods for the Web-developer to implement, supported by API & end-2-end testing

and an on-boarding support team

• ‘Pay by Mobile’ and ‘Pay by SMS’ doesn’t come with hidden charges, fees or fines, nor involve

time consuming annual security audits & certification processes – the dreaded annual PCI DSS certification and assessment

• Transparent Mobile Payments
• After the purchase is complete, the Consumer gets an SMS from the Tola platform, not the

Merchant

• This immediately confirms what was spent, the amount and with whom.
• The SMS contains a link to a secure portal, where the Consumer can see an on-line receipt for

the transaction and if they register with the Portal, they can see ALL of their past transaction, search, order, print, and export them

Tola Mobile Pay

Introduction of PSD2 does NOT affect transactions under E-Money Licence

• E-Money transactions are outside digital services and content exemption of

PSD1 & exclusion of PSD2 from 13th January 2018

• No requirement to register merchant or services for exclusion with FCA
• Tola Mobile is already the licensed intermediary (Payment Acquirer) within the Payments

value-chain

• Separate licensed entity with the MNO holding the Billing relationship
• E-Money transactions are outside of the spending limits imposed on MNOs

under exclusion

• For UK limit set at £40/transaction & £240/month for all services offered

under the Network’s exclusion of PSD2

• Mandates 2-factor authentication on purchases
• Limits acquisition of Billing identifier during payment process

PSD2 impact

PIN N Loop proce rocess

• Each and every payment is authenticated by a

‘PIN SMS’ to the Consumer’s handset

• Confirms Merchant name & requested

transaction amount prior to purchase

• Unique PIN per transaction, has expiry time after

which transaction needs to be started over

• Merchant is unable to change the value of the

requested transaction, once authorized through the PIN loop process

Rece ceipt ipt not notifica ication tion

• Receipt SMS issued on every completed

transaction, contains link to on-line receipt

• Only record of transaction for PAYG customers

Tola ‘Real-time’ 2-factor authentication

• Merchant Support details included on on-line Receipt
• Link is provided in the Notification SMS
• Also in the Tola Consumer Portal
• Terms & Conditions for the transaction
• Support Telephone number
• Support Email address
• Support URL provided as an active link, <Click Here>

Receipts and Tola Consumer Portal

• All E-Money related transactions are listed for all merchants
• Searchable by merchant, amount, date, product etc.
• Printable, Exportable
• Supports transactions on multiple devices
• Current and past devices, within different regions
• Profile is enabled through verified Email address

Tola Mobile Pay Demo

• Straightforward APIs
• Easy for the Customer to use
• Secure
• Easy to implement
• Transparent Mobile Payments

Tola Mobile Pay

mobile payments made simple ple

Integrates Operator provisioned Mobile Wallets

Tola.wallet Overview

• In Africa, Tola is a mobile payments aggregator
• Tola is already connected to multiple wallets in multiple territories
• Experienced in working with and connecting with wallet

providers including mobile network operators in addition to standalone wallet providers

• Tola is designed for and currently has multiple clients connected
• Clients connect via a robust, simple, secure and highly

performant API

• Connect once for access to multiple wallets in multiple

territories

• Offline reconciliation feature: Tola has developed a robust solution

for dealing with MNO outages minimizing the impact on Tola clients and their consumers

• In addition to mobile money, Tola’s API also enables clients to take

credit card payments in a fully PCI-DSS complaint manner

Inte tegr grat ation

• n Roadmap

ap (for 2017/2018)

• Kenya
• Mozambique
• Uganda
• DRC
• Ghana
• Malawi
• Zambia

Tola.wallet

Live deploym yment nts

• Kenya
• Tanzania
• Rwanda
• Ghana
• Mozambique

Active now In progress Coming soon

A global market worth $113.5 billion in 2015 Growing to $635.0 billion by 2020 Growth of 41% CAGR

Zimbabwe Zambia Western Sahara Tunisia Togo The Gambia Tanzania Sudan South Sudan South Africa Somalia Swaziland Sierra Leone Seychelles Senegal São Tomé and Príncipe Rwanda Reunion (France) Democratic Republic

• f

the Congo Nigeria Niger Namibia Morocco Melilla Mayotte (France) Mauritius Mauritania Mali Madagascar Libya Liberia Lesotho Kenya Ivory Coast Guinea-Bissau Guinea Ghana Gabon Equatorial Guinea Ethiopia Eritrea Egypt Djibouti Comoros Chad Ceuta Central African Republic Cape Verde Canary Islands Cameroon Burundi Burkina Faso Botswana Benin Algeria Angola

Integrates Operator provisioned Mobile Wallets

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