Designed to easily integrate to your enterprise system and fully scalable with SMS, SecureSMS and SecureWallet, the CellTrust Mobile Government Solution is available in a Hosted, White Label or Enterprise format supported by CellTrust''s world-class Mobile Strategy Advisory, Educational and Professional Services.

CellTrust Mobile Government Solution benefits and features:

• Removes security obstacles for mobile information exchange of confidential, personal data
• Opens up two-way mobile communication for administrators, physicians, healthcare providers, insurers, patients
• Provides transparency and comprehensive documentation tracking for audit and compliance
• Cuts administration costs significantly
• User friendly and familiar SMS text messaging and MMS image messaging
• SMS Gateway provides the option of SMS, MMS, SecureSMS, Data, Voice and Email
• Fully equipped with ready to roll-out campaign management modules to help you design, execute, measure, report and enhance the capability of your mobile strategy
• Provides secure, reliable and robust emergency information channel
• Enables mobile transactions, LBS and contactless payment in the future
• SecureWallet provides secure mobile depository for multiple types of governmental information
• Straightforward integration to your existing backend systems via secure API
• Full API integration and support for government
• Wizard and predefined templates to generate personalized messages (by replacing tags with values)
• Templates can be called for auto-response messages to gateway
• Templates can be used on web or called via API
• Global coverage with a onetime integration connects you to virtually any phone number across 700 carriers in over 218 countries reaching your employees and constituents wherever they are

The Secure Mobile Banking and Finance Solution from CellTrust provides an automatic, transparent and comprehensive audit trail meeting most major compliancy requirements.

CellTrust chose the ubiquity and familiarity of SMS upon which to base its SecureSMS Micro Client. When combined with the CellTrust SecureSMS Gateway to over 218 countries and over 700 carriers it provides an extremely secure, easy-to-use, and cost-effective bridge to enterprise mobile banking systems and their customers as they travel around the globe. SecureSMS makes two-way mobile communication between the customer and the financial institution viable.

When coupled with CellTrust SecureWallet, the mobile financial capabilities of the institution are dramatically increased. The market opportunities to add value while generating revenue via the mobile device are substantial. Mobile Banking is expected to explode with some analysts predicting 1 billion mobile banking users by 2012.

Secure mobile Banking, Payment and Finance Solution benefits and features:

• Removes security obstacles for mobile transactions, and sensitive information
• Opens up the mobile device and SMS as an auditable, documented communication channel
• Provides de facto two-way authentication and mobile anti-fraud security
• Significantly reduces transaction cost and improves user experience
• User friendly and familiar SMS method is ubiquitous yet discreet
• No IVR call back is required for authentication
• Message can be easily reviewed multiple times without incurring additional cost
• Secure SMS messages can be saved and archived whereas, IVR messages may not be available
• No browser/page compatibility requirements or problems with SMS
• SecureWallet provides secure mobile depository for all types of financial information
• New channel to build brand loyalty and provide value-added services piggy-backed on important information

While these services have been available for a few years in countries such as India, Bangladesh and Kenya, the market is now trying to scale in order to maximize the opportunity, enable more people to benefit from the financial services and thereby improve their economic situation. The main obstacle to progress is the lack of scalable identity solutions that can allow various services to be provided securely. Providing adequate solutions for these challenges will eventually open huge markets for new and sophisticated services that are perfectly suited to extensive rural conditions.

ClassifEye provides just such a solution to this problem: Our solutions are purely software based, run on mass produced handsets provided by leading handset providers (such as Nokia) and have the capability of creating and verifying identity at a very low cost per user. ClassifEye’s core technology is based on fingerprint recognition using the digital camera already embedded in most cell-phones. The package, which is an integral part of a software package that is downloaded over the air, holds a suite of solutions for rural finance, such as Business Correspondent services, mobile banking, Micro Finance services, mobile payments, etc. Moreover, in order to ensure that people can be served even when data connectivity is weak or absent, ClassifEye has developed off-line transaction capabilities, so that services can be provided even in the remotest of locations.

• IT Asset Management

Enjoy the ease of a single interface to manage all of your  IT assets within  the Absolute  Customer Center. You can manage your entire deployment regardless if a device is on or off your company network.

• Data & Device Security

Remotely sensitive data on missing  devices and produce an audit log of the d files to prove your compliance with government and corporate privacy regulations.

• Geo-location Tracking

Use GPS technology to track your assets on an internet map. You will be able to see current and historical locations within about 33 feet.

Equipment condition monitoring and meter reading rounds can also be extremely redundant and labor-intensive for workers. This often sacrifices data integrity, and affects overall operation efficiency. DataSplice empowers maintenance technicians to deliver real-time measurement values to the CMMS, improving the accuracy of technician readings and drastically reducing human error.

With a mobile device, employees have the power to quickly alert key personnel while still out in the field, and help to an emergency team to handle critical situations. This benefit alone is priceless in terms of equipment cost and shelf-life.

Managers feel more secure when they can clearly track if and when employees are hitting critical check points, and that a task was actually completed. Overall, the DataSplice condition monitoring solution provides peace of mind and ensured system reliability.

Improves project management by electronically collecting and integrating labor and equipment costs directly into your plant maintenance management or accounting system – eliminates paper.

Reduces accounting staff costs and eliminates temporary data entry staff.

Automatically reconciles data and highlights discrepancies.

Ensures contractors get paid the right amount, on time and without any additional cost or effort.

However, most of the current schemes are largely paper based (due to the problems providing computer technology locally) which limits their effective reach in the remotest areas and requires a degree of literacy that may difficult to meet locally. In addition the use of paper can additional problems in maintaining accurate records as it can be difficult to input written records into the computer systems running the micro-finance service.

These all unnecessary levels of cost and inefficiency that impact the overall effectiveness of tThe mobile phone is a key technology that can be easily deployed to remote locations (subject to network coverage). In addition to being used for voice and SMS texting, the average mobile phone is also capable of having a localised version of our SecureLink Java applet loaded to provide simple loan management and data capture facilities.

The applet communicates with a modified version of our pre-pay topup service that provides a complete loan management and risk analysis / fraud management service as well as a multi-level service portal that enables the local management team to monitor the whole loan system from end to end. The system can also provide comprehensive reports for the officers of the NGO or other body financing the whole system.he whole service.

Mi-Pay’s solution offers a number of benefits:

• Low operational overhead through Mi-Pay providing hosting and operational support
• We remove some financial risks because we  handle the foreign exchange management and settlement to the receiving country
• Supports regulatory requirements by providing comprehensive fraud screening service to support anti money laundering (AML) and know your customer (KYC) processes as required by government regulation
• Wide variety of payment methods and channels supporting increased take up of the service
• Lower cost per transaction allowing competitive pricing for consumers
• Mobile channels available as a complement to Internet, providing for further market penetration

MobileFrame has d a unique software platform that allows business users with no IT background to develop and deploy complex mobile applications, enabling data collection and managed workflow to be seamlessly integrated from the field to backend systems. MobileFrame customers can connect to backend enterprise systems in real-time and capture rich data types such as documents, digital photos, voice notes, bar code scans, digital signatures, etc., while in the field. MobileFrame''s award-winning Smart Architecture^TM integrates intelligent networking with a thick client so the mobile worker always has complete workflow available whether or not network connectivity is continuously available. When the smart client senses wireless or wireline connectivity, the system automatically sends and receives queued transactions, content and messages.

MobileFrame''s Smart Architecture seamlessly integrates a GUI Desktop, any-to-any relational client/server databases, intelligent Client device rendering and autonomous network synchronization all into one seamless platform. Using MobileFrame''s Smart Architecture, novice computer users can build and deploy sophisticated mobile applications, and make changes on-the-fly, without the need for professional IT services. Business administrators use the MobileFrame Desktop and MobileFrame Database to define and maintain business processes and data access. When the MobileFrame Monitor autonomously senses network availability, it transmits those processes to ed remote client devices across any wired or wireless TCP/IP connection (WAN, LAN, 802.11, GPRS, dock). The MobileFrame Client operates on any .NET enabled handheld device, including Pocket PC PDA''s, Tablet PC''s or Laptops.

This unique solution allows mobile workers and remote machines to be integrated with business administrators and backend enterprise systems more flexibly and cost effectively than ever before. Using a simple GUI, business users can quickly and easily and deploy mission critical applications that maximize productivity of workers in the field.

Powerful and intuitive, RQ4 is an integrated, on-demand retail management solution allowing you to:

The intuitive and user-friendly design of RQ4 allows r staff to serve customers faster, more effectively and with greater confidence than ever before.

• Product Experts: Employees have access to all the information they need to make the right product recommendations or solve problems in a timely manner.
• Scan Anywhere: Scan a bar code at any point in the software and RQ4 will automatically open up a new sale and Phone Activation Wizard specific to the product scanned - reducing transaction times.
• Increase Profitability: Effortlessly guide customers through the up-selling and cross-selling process to add extra value to each sale.
• Centralized Data: Customer data is centralized and accessible - ensuring personalized service at every touch point.
• Application Integration: Integration with third-party applications  - allow you to serve customers faster and more effectively

Paynet Kenya developed a world’s first software that allows cardless transactions at ATMs. Through this innovation, M-PESA customers now withdraw money from PesaPoint ATMs without the use of an ATM card or the need for a bank account.

M-PESA is a mobile-phone based money transfer service offered by Safaricom Limited.

Bernard Matthewman, Paynet’s Group Managing Director was happy that the local innovation had received acclaim on the global arena. “Kenya is the 1st country in the world in which card-less transactions at an ATM are available for traditionally unbanked users of mobile phones to withdraw cash and Paynet is indeed honoured to have led in this innovation” he added.

Wayne Harris, Paynet’s Director of Business Development, who received the award on behalf of company, said that there was great level of interest and discussions from other guests at the event on how this pioneering service can be delivered in their countries. “They were very impressed at our creativity and achievement”, he concluded.

Prior to the service launch, M-PESA transactions were only available to customers at authorised M-PESA Agents. Agents hold stocks of cash and e-value to facilitate deposits and withdrawals are widespread and in the majority follow standard operating hours.

This ATM offering guarantees M-PESA customers 24hour 7 days a week cash accessibility, including weekends when many Agents are closed. Additionally, cash liquidity is strengthened given that Agents can be limited in the cash available to serve customers.

In conclusion, Mr. Matthewman said that PesaPoint will continue to partner and innovate with firms like Safaricom to provide a wide range of transactional services through its operations in East Africa, to ensure customers access fast, affordable and convenient services wherever they are.

Since launch of the service in September this year, the number and value of transactions have been growing daily. Over Kshs. 480,000,000 has been withdrawn through the ATM network up until mid-November.

In addition, the simplicity of using the service has facilitated demystification of the use of banking technology amongst unbanked users of mobile phones and helps to bring un-banked into the formal economy.

Paynet Kenya is part of the Paynet Group, which also comprises of PesaPoint Limited and EFT Kenya.

• Intermediates between handsets and back-office systems & databases
• Tracks transactions with five 9s uptime — 99.999% — even if back-office system or database is down
• Provides complete transaction visibility, reports, analyses including—
  • Transaction information
  • Audit and security information
  • Fraud detection information
  • Market segmentation information

This non-programmatic configuration feature dramatically cuts costs and time to market, and keeps the system safe from bugs — because the Mobile Designer does not touch any program code.

The Mobile Designer also keeps up with an organization’s requirements so that the ESE evolves with the business — and helps the business evolve with the market.

GCASH requires only a mobile phone and a one-time registration, with a minimal charge of P1.00 per GCASH transaction. GCASH dramatically expands the menu of mobile commerce transactions, and has provided the low income economic class and overseas workers access to the relevant services below:

Domestic and International Remittances
Sending of money via GCASH as supported by a wide cash-handling network, including leading local and international remittance companies backed by reputable settlement banks.

Micro-Payments
Payments for purchases from the growing list of merchant partners, including essentials such as government taxes, medicines, boat fares, food, mobile prepaid credits (load), and schools and office supplies.

Micro-Credit Payments
Allows disbursement of loan principals and payment of loan interest and amortization payments to lower income consumers with limited access to banks.

Bills & Tuition Fee Payments
Allows payment of bills of various utility companies, internet service providers, insurance companies, as well as schools and universities.

The micro-finance institutions who are implementing the PortaCredit program have reported significant cost-savings in non-salary operational costs. PortaCredit is now fully implemented at several Latin American MFIs.