Impact of the new financial infrastructure to development of economy Moscow, Russia, 10 September 2012 ITU Workshop on “ICT Innovations in emerging economies”

2 Companies provide services to all segments of the population low-income people middle class people upper middle class people average incomenetwork nature of the services middle cost services high cost services low cost services

3 The average amount of the payment CountryARPU Russia$4 Russia (Moscow)$10 Russia (Regions)$3 Ukraine$2,5 India$1,1$1,1 Central Asia$1 A new economy needs a less costly financial infrastructure to collect micropayments

4 Payment Technologies

5 Organizational scheme of payment Banks Retail Pharmacies Post Gas stations Mobile shops Terminal holders Telephone operators Internet providers TV Tickets Repayment of loans Utilities Affiliate Network Service Providers

6 The main components of efficiency  Automation of all processes from receiving payments to financial clearing between partners;  Low cost of first connection for a new partner to CyberPlat;  Lower support costs of participation in the reception of payments using CyberPlat;  Providing for partners turnkey solutions and software components;  A large number of supported hardware: payment terminals, cash, POS, ATMs;  The high speed and reliability transaction`s processing;  Using electronic documents with partners.

7 Supported Hardware and Technologies cash register Internet terminals 3G, GPRS, dial-up open API bank`s systems PC POS terminal mobile

8 Process of Payment to Recharge Mobile Account

9 Reliability and safety RSA Internet SSL  Information Security:  Reliability of the technical platform: main DATA Centerreserved DATA Center main channel reserved channel Internet  Financial liability of IT-staff:

10 Payment Book Telephone operators Internet providers TV Tickets Repayment of loans Utilities Service Providers Registration Payments Payment Book Subscriber  Save payment pattern;  Auto payments;  Payments from linked credit card or mobile;  Save the change on balance Payment Book. Service is efficient even for payments less than $1

11 Turnkey solutions CyberPlat  Transfer the change on phone  Parking pay  SaaS micro payment  Insurance policy as a check

12 Social Mission  Bridging the Digital Divide  More then 50% payments in the system of CyberPlat do not exceed $3 Payment`s distribution in Russia

13 Contact information Sergey Tarasov, Senior Project Manager, CYBERPLAT OJSC Address:Floor 12, Entrance 7, World Trade Center, Moscow, , Russia Telephone:+7 (495) Fax:+7 (495) Internet: