1. Fraud Security and Prevention The Future of the Bank Cheque Francisco Caeiro – CEO Brithol Michcoma Mozambique

2. The Future of the Bank Cheque Cheque Usage in Nigeria Nigeria Clearing House Statistics

3. Fraud Security and Prevention Oldest Cheque in Record Oldest cheque in record in the UK 16th of February 1659

4. Fraud Security and Prevention Oldest Cheque Fraud in Record Oldest cheque FRAUD in record in the UK 18th of February 1659

5. Fraud Security and Prevention Why the upward trend? Simply because of: – Lack of reach; – Lack of infrastructure; – Lack of confidence; – Lack of commodity;

6. Fraud Security and Prevention Cheque fraud types Most used cheque fraud types: – Cheque cloning; – Stolen/Forged cheque; – Cheque washing and alteration; – Conterfeit cheques

7. Fraud Security and Prevention How can we help you fight fraud? How to fight cheque cloning? – UV (two or more colours); – Hologram; – Object Positioning Technology; – Brithol Michcoma’s proprietory 2D magnetic barcode system; – Brithol Michcoma’s SMS code authentication system;

8. Fraud Security and Prevention How can we help you fight fraud? How to fight cheque theft and forgery? – Don’t leave your cheque book unattended!!! – Customer education and information; – Brithol Michcoma’s proprietory 2D magnetic barcode system (information encryption); – Brithol Michcoma TruID Verification System; – Brithol Michcoma SMS InstAlert System;

9. Fraud Security and Prevention How can we help you fight fraud? How to fight cheque washing and alteration? – Personalise cheques with ink that bleeds red (or another colour) when in contact with chemicals; – Brithol Michcoma’s proprietory 2D magnetic barcode system;

10. Fraud Security and Prevention How can we help you fight fraud? How to fight cheque conterfeiting? – ALL OF THE PREVIOUS! So can you beat fraudsters? YES YOU CAN!

11. We help you erradicate fraud Thank you! Francisco Caeiro – CEO Brithol Michcoma Mozambique