Www.activemediatech.com Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company.

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Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company Set up 2001 in UK, established 2002 in India and is now part of the 2ergo Group plc ( Specialist provider of mobile marketing and technology related solutions; Leader in mobile marketing technology. Award winning and patented RAPOS TM platform First independent VAS solutions provider to establish 100% cross-operator SMS services in India Responsible for longest running mobile marketing programme – Orange Wednesdays About us

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company RETAIL PAYMENT SYSTEM ROADMAP FOR CREATING A ROBUST RETAIL PAYMENT SYSTEM RETAIL PAYMENT SYSTEM ROADMAP FOR CREATING A ROBUST RETAIL PAYMENT SYSTEM

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company Objectives Entice the circulation of money in the economy; Reducing cash handling/ management, mitigating risks of counterfeiting; Open to adoption of new methods of payments; Provide safety and security to institutions and business; Protecting the rights of users; Enhancing efficiency and performance, Innovative and promote healthy competition; Ensuring safe and secure payments systems

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company RBI initiatives on Retail Payments Payment and Settlement Systems Act; Payment Corporation of India; National-level ATM switch; Policy on Credit Card Operations of banks; Policy on Mobile Banking - Operative Guidelines for Banks; Policy on Mobile Payments - Operative Guidelines for Banks; Policy for issuance and operation of Prepaid Payment Instruments.

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company Way forward Set up benchmarks for retail payment systems; Promote shared infrastructure for retail payments Shared payment gateway POS, ATM, mobile transactions; Central Data Repository of Customer Creditworthiness; Robust standards and aggressive regulatory provisions for Electronic commerce; Mobile commerce and payments; Mobile banking; Micro payments; Cash cards; Bill payments; Mobile ticketing; Mobile coupons and vouchers.

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company Way forward Migration of magnetic stripe based cards to chip-based cards and token-key-based authentication devices (instead of a PIN) Introduction of NFC bases payment tokens, services and systems; Building an eco-system for certification and authentication of web/wap sites for e/m-commerce; Deeper adoption of PCI-DSS standards; Building rural payments systems that allow retail and wholesale customers to have an effective cash management system; Verified and certified participants - in the ecosystem, need for security audits.

Strictly confidentialwww.activemediatech.com Copyright 2009 ActiveMedia Technology a group company Thank you ! Sanjeev Patni Director, ActiveMedia Technology Thank you ! Sanjeev Patni Director, ActiveMedia Technology