Orange Money Designing Mobile Financial Services for & the Middle East

Hugues Foulon CFO Africa & Middle East

1 Mobile money : a thriving industry, especially in Sub-Saharan Africa

2 Beyond P2P, we are now addressing new essential customer needs

send P2P cash-in cash-out receive a P2P pay bills

receive from abroad ticketing

ID contract salary / aid / no fee merchant subsidies

ATM and PoS devices transfer from send to bank bank receive a loan savings

1 registration 2 feeding the account 3 using the account

3 Stready growth of +76% turnover, in with our 200M€ target for 2018

leader or co-leader significant increase of the in most of the countries customer base

Tunisie

Egypt

Mali Guinee Bissau Guinee CAR 27M monthly Côte d’Ivoire transactions RDC for 600M€

leader co-leader challenger 1,8€ ARPU per sevice recently active customer launched (+7% YoY) launch planned

4 Product prioritization - a progressive rollout to facilitate customer education

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3 financial services 2 payment payment tool for third money transfer party credit, savings, airtime top-up, bill insurance transfer to Orange payment further : integrated financial further : transfer to non further : ticketing, web products orange, international payment, merchant payment transfer

Orange Money account 1 cash-in, cash-out further : bank to wallet, ATM cash-out, salary payment

5 Local customization

Mali Botswana Cote d’Ivoire

core service: transfer, bill payment, airtime top-up

. bancarisation ~10% . strong customer base . Orange Money the only player . bancarisation ~40% until 2014 . 2 mobile money . growing ecosystem . gap in infrastructure and competitors

challenges ecosystem

mobile money dedicated Orange Money Visa Card launch of a mobile

kiosks crowdfunding platform

approach

specific

6 Our major projects 2015-2018

Mobile Money code of conduct new countries

common business principles to planned extension of Orange Money develop safe and responsible footprint digital financial services

deeper smartphone integration interoperability

the Orange Money smartphone Orange Madagascar to interoperate application to be rolled out in most with local operators in Q4-2015 countries

financial services new status Orange to become an “Electronic

Money Issuer” in some UEMOA micro credit, savings, insurance countries

7 Thank you

Merci

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