1. Building the Next Generation Mobile Value Added Services 18 th April 2016 Ritz Carlton DIFC Hotel in Dubai – UAE Hisham Hammoud Chief Business Officer Ajman Bank

2. Building the Next Generation Mobile Value Added Services Introduction:  Our appetite for convenience and constant access to information and services has put mobile at the epicenter of everything we do.  The mobile ecosystem is entering its next revolution, where the current mobile infrastructure is set to unleash a new wave of service innovation.  Ability to do more with personal devices, including payments, identity and access combined with the desire of businesses and government bodies to push more services on the mobile is fueling convergence across verticals: financial, retail, transport, m-health and public sectors.  These new services require several players to actively address the mobile channel, including operators, financial institutions, retailers, device manufacturers, service providers, large enterprises, governments and more.

3. Future of Money

4. Future of Payments

5. Mobile Is Creating the Greatest Technology-driven Change in Culture Since the Arrival of the Internet There are now more connected devices than humans on the planet INNOVATIVE TECHNOLOGY: World Statistics on Digital Banking Services

6. UAE Customer Verdict on Digital Banking Services

7. Mobile ID and Mobile Signature Solutions These services have been deployed in more than 20 countries around the world, with Finland and Iceland recently adopting them to secure an array of eGovernment services. For service providers, the mobile represents a new channel to reach out to customers and promote their services. Mobile operators have strong, established relationship with their subscribers, and have a key part to play in the value chain, working with service providers to put in place trust infrastructures and protected channels for people to pay, shop, travel or sign legally binding contracts using their mobile handset, in a secure and convenient way. Services such as: Online Banking Mobile Payments M-Commerce Applications E-Government Services Few Benefits: Multipurpose ID Secured Authentication Digital Signatures Confirming transactions/payments using a unique PIN.

8. Undoubtedly, Near Field Communication (NFC) is the next big thing in the world of mobile and a form of NFC technology is also being used in the Dubai Metro Nol cards. Stumbling over a technology of the future at one of Dubai’s conventions, a concept automated teller machine (ATM) is set to change the game and revolutionize the cash withdrawal experience as we know it. Sample this, you withdraw hard cash from an ATM machine without having to use an ATM card, but instead, using your smartphone to scan the QR code on the ATM cubicle, then punching in the desired amount after entering your password, and getting-out your hard- earned money. NFC technology, the next BIG THING in mobile banking

9. UAE’s top digital banking trends  Digital branch transformation and virtual banking  Digital distribution and thinking ‘Mobile First’ design  Building customer engagement with contextual advice, customer analytics and big data adoption  Banking simplification and rich media marketing will blossom  Mobile and peer-to-peer (P2P) payments will gain significant traction