© 2008 Cisco Systems, Inc. All rights reserved.Cisco ConfidentialPresentation_ID 1 Cisco Secure Mobile Banking Enabling the Collaborative Customer Experience

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 2 Agenda  Business Challenges and Opportunities  Cisco Secure Mobile Banking  Business Benefits  Mobile Banking Scenarios  Why Cisco

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 3 Business Challenges and Opportunities

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 4 Business Challenges  Developing the compelling consumer value proposition  Overcoming the cost of rich mobile banking service  Participating in the mobile banking eco-system  Encouraging consumer awareness and education in mobile banking

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 5 Opportunities  Profitably penetrate new market segments now under-served  Create a fuller range of services by extending the self-service channel  Enrich the Collaborative Customer Experience through connected commerce enablement  Participate in global standard setting for secure mobile banking

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 6 Business Value Cisco Secure Mobile Banking

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 7 What is Mobile Banking? Mobile banking is a financial self-service channel that extends the bank’s reach into a customer base For consumers, it is a convenient, simple, ubiquitous, trusted and ‘always on’ electronic interface to the bank for banking services on a mobile phone 3 For banks, it is a platform with the highest operational and security standards that can be ‘plugged into’ at low cost. This immediately opens a path to the personal device of millions of consumers

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 8 The Components of Mobile Banking  SMS and Web access (WAP) capable handhelds  Mobile service provider (mobile operators)  Financial services providers  EFT network (switch)  Payment Processors/Payment card association  Merchants: physical, virtual, electronic marketplaces  Communication and financial transactions standards (TCP/IP, ISO 8583)  Mobile applications (wallet, payments)  SMS and Web access (WAP) capable handhelds  Mobile service provider (mobile operators)  Financial services providers  EFT network (switch)  Payment Processors/Payment card association  Merchants: physical, virtual, electronic marketplaces  Communication and financial transactions standards (TCP/IP, ISO 8583)  Mobile applications (wallet, payments)

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 9 Mobile Banking Architectures BANKTELCO PAYMENT ASSOCIATIONS BANKS EFT SWITCHES TELCOS VIRTUAL COMMERCE PLAYERS MERCHANTS FULL SERVICE MOBILE BANKING MOBILE BANKING LITE

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 10 Virtual marketplaces and electronic merchants Card associations Mobile Banking Eco-System UK Mobile operatorsRetail banks Merchants

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 11 Mobile Banking Business Value  Adds to the portfolios of fee- based services while minimizing costs of offering features and options  Profit enhancer that opens up new customer segments at both ends of the personal financial spectrum  Innovative offering that enhances customer loyalty and preference for the bank’s products and services

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 12 Business Value Business Benefits

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 13 Benefits of Mobile Banking  Mobile banking is a 2-way channel with pro-active marketing potential  Adds a distribution channel that puts the “anywhere” in banking  Connection to the ecosystem places banks in the connected commerce story  Highly personalized service enables customer retention and nurturing  Innovative service that differentiates from the competition

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 14 Business Value Mobile Banking Scenarios

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 15 Basic Mobile Banking Services Scenario Problem: Solution: Results: Very large customer base in a developing market with emerging infrastructure – price and cost sensitive. 2-way text messaging-based services including balance enquiry, simple statements and, alerts Low cost delivery of entry level mobile banking opens a service to the entire base as well as giving access to the additional segment of mobile device- equipped; the under-served and un-banked.

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 16 Full Range Mobile Banking Service Scenario Problem: Solution: Results: Large customer base, a portion of which is affluent, in a developed marketplace with developed infrastructure Rich applications including money transfer, statements, payments and, connected commerce Full mobile service to affluent sub-set of customer base willing and able to pay for specialized, personalized service. More value add, greater fees, intense “stickiness”, greater wallet-share

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 17 Business Value Why Cisco?

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 18 Why Cisco in Secure Mobile Banking?  Cisco is the platform that ties the eco-system together  Cisco is the gold standard for open network security  Cisco enables multi-channel integration by providing top tier communication infrastructure and associated products and services. Cisco leads in secure, flexible, and scalable networking solutions on converged IP networks. Secure Mobile Banking is backed by Cisco Technical Assistance Center (TAC) and solutions from innovative partners.

© 2008 Cisco Systems, Inc. All rights reserved.Cisco Confidential 19