How Technology is

Transforming the

Customer Experience

Hany Fekry

Chief Commercial Officer

EMP’s Market Presence

Processing Centers in:

- South Africa

- Nigeria

- Egypt

- Jordan

- Dubai

EMP’s Market Presence

We serve:

- 135 banks

- 30,000 merchants

- in over 45 countries

EMP’s Market Presence

A Scale Processor:

- over 100 million

transactions annually

- managing US$2.5 billion in

receiveables on any given day

Mobile Communications has Changed the World

Access to Financial Services is still in Infancy

Mobile Money usage is Growing

E-Commerce is Growing

• Why Facebook and Amazon are visiting India and

Indonesia offering free Internet?

• Leading companies now are trying to find a way for

Satellite Free Internet for everyone.

• Advertisement worldwide ranked, Internet #1 $43Bn,

followed by #2 TV $40Bn, #3 Cable TV $34Bn, #4 Printed

Media $18Bn

• Facebook Net revenues of advertisements only is $1Bn

end of 2014

• Total users of internet in India alone 100M users,

reaching 250M in 2 years time, 70M in Indonesia…

• Most of the business in the coming few years will be

floating online, including targeted media, and online

business.

E-Commerce is Growing

Emerging markets B2C Sales Leading the World

Internet Penetrations is driving E-Commerce

The M-Commerce Revolution

• Mobile technology is changing the on-line purchasing

experience for consumers

Mobile E-Commerce Sales Growing Rapidly

• In 2016 Mobile Commerce sales are expected to reach

$31 billion

• That is a 400% increase since 2011

• Mobile devices now account for 11% of e-commerce

purchases in the US every year

• Tablet users made 50% of M-Commerce purchases in

2012,with Smartphone users at 40%

Payments based on NFC Technology

• Payments based on NFC technology:

– 2012: US$4 billion

– 2016 Projected : US$100 billion

– 2017 Projected: US$191 billion

• Advantages:

– Open standards

– Secure

– Fast and convenient

• Leading products: MasterCard PayPass and VISA

Paywave

mPESA has changed the face of banking in

Africa

In Kenya:

- 19 million out of a population of 44

million have used mPESA

- 25% of the Kenyan economy is

transacted via mPESA

Banked and Unbanked mobile wallet(s) managed service

TPPs

Bank C

Bank C MFS

Branches ATMs

Services

Agents

Bank B

Bank B MFS

Branches ATMs

Services

Agents

Bank A

Bank A MFS

Branches ATMs

Services

Agents

Banked Wallet Ecosystem A Banked Wallet Ecosystem B Banked Wallet Ecosystem C

Cross Selling Added Value Services

Consortium wallet for un-banked Bank’s VAS suits over consortium wallet Multi banked wallets for consortium’s banks

TPPs has to develop a Shared Mobile Banking Platform

JOMOPAY

Open NetworksMNOs Billers

AgentsATMs

POS

Agents / Merchants Network Central Bank

International Remittances

Banked Banked Banked

Un-banked

Thank you