1. Benefitting from Financial Inclusion Using Mobile Technology Platforms 35 th ADFIAP Annual Meetings Istanbul, Turkey Dinesh Fernandopulle Group CIO DFCC Bank & CEO Synapsys Ltd.

2. BANK DIFFERENT FINANCIAL INCLUSION PAYMENT NETWORK Financial Access to Unbanked & Underbanked Ultra Convenient Financial Services Low-Cost Efficient Payments 2.5 billion unbanked people

3. The mobile opportunity – where is the value for banks? Ultra-convenient and Innovative banking Cashless Payments Disrupting new markets

4. 24/7 Access Unique ID Most used device Easy to use Geographical positioning What’s so different about mobile? Ultra convenient & Innovative banking Cashless Payments Disrupting New Markets 1 2 3

5. Ultraconvenient Innovative banking Deepening Customer Relationships Must-have “home page” driving targeted marketing and cross-selling On-the-go advice-based sales and financial management

6. Cashless Payments Mobile Wallets Personalized location-aware merchant offers Instant Credit

7. Disrupting New Markets Provide financial services to the un-banked and under-banked Leverage partner networks to activate and service new customers Rapidly grow market-share and wallet-share with lower operating costs

8. Financial Needs

9. Deposits and Cash Withdrawals with agents Other services: Loan application, Transfers/Bill Payments, Statements Move money between people across borders/distances Secure storage of money Secure transport Convenient access Earn interest Access to capital Microfinancing (daily repayment) Instant credit Consumer pays for goods and services through mobile phone/card Merchant accepts payments and receives analytics Merchant has ability for mobile targeted marketing Day-to-day Financial Transactions

10. Market Opportunity High Net Worth 2.5 billion unbanked Moving to encompass most of pyramid with youth and widespread smartphone use Cost of Service Challenges from peers and non-bank disruptors Winners and Losers

11. Market Competitors RetailRemittance LendingValue Added Services

12. 12 ConsumerMobile Operator Bank Retailer Mobile Operator Bank Consumer Customers Partners

13. Any Device

14. Mobile Telecom Service Provider Banking, Financial Services & Insurance Retail & Supply Chain Retail Instant Rebates Money Management Transaction Management Bundled Services Mobile Cashless Payments Incentives Consumer Mobile –Financial – Retail

15. Ecosystem Actors

16. Payments

17. Operational View

18. Other Bank Bank Inter Bank Network Field Services

19. Extended Marketplaces Telco

20. Thank you

21. Statistics

22. Number of respondents 392 Considered banks 212 Used them 114 Used them in past 3 months 91 % of respondents who considered using banks, n = 212

23. Minimum balance in banks is too high Bank personnel do not listen to me Bank is too far away Unaware of savings-deposit services from banks Can’t take out money whenever I want Top 5 reasons for considering but not using banks for small savings deposits, n = 99, % of respondents