Who's Who in Mobile Banking Updates, Please Contact [email protected]

Who's Who in Mobile Banking Updates, Please Contact Mbritz@Techweb.Com

November 2009

NOVEMBER 2009 WHO’S WHO IN MOBILE BANKING

Smartphones are almost as ubiquitous as the Web, and mobile devices are likely to represent the next frontier in banks’ battle for customers. To help institutions understand the mobile banking space, Bank Systems & Technology provides an overview of some of the top players in the industry, from m-banking vendors to platform integration providers.

IN THIS REPORT

CASI Software ...... 2 Mobile Money Ventures ...... 4 ClairMail ...... 2 Monitise PLC/Monitise Americas ...... 4 Clickatell ...... 2 MShift ...... 5 CPNI ...... 2 Obopay Inc...... 5 Firethorn Holdings, a Qualcomm company ...... 2 Pyxis Mobile ...... 5 FIS (formerly Metavante) ...... 2 Research in Motion ...... 5 Fiserv ...... 3 S1 ...... 5 Fronde Anywhere ...... 3 Sprint ...... 5 Fundamo ...... 3 Sybase 365 ...... 6 Gemalto ...... 3 Telrock ...... 6 IBM ...... 3 Tyfone Inc...... 6 Jack Henry & Associates ...... 4 VeriSign ...... 6 M-Com Inc...... 4 Yodlee ...... 6 mFoundry ...... 4

Please note: This is not a complete listing of mobile financial services vendors. Entries were solicited by the editors of Bank Systems & Technology. For information on inclusion in future Who's Who in Mobile Banking updates, please contact [email protected]. WHO’S WHO IN MOBILE BANKING

CASI Software* CPNI*

Key Mobile Banking Offering: Key Mobile Banking Offering: IBM mainframe information transformation and delivery solutions: PAT (Phone Authorized Transfer) mobile payment solutions JES2Mail & CICS2PDF for outbound delivery of content via e-mail, (PATsend, PATbuy, PATbank). SMS messaging or Web browser; Mail2ZOS for inbound delivery of Business Model/Technology Platform: e-mail and SMS messaging content. IBM z/OS platform. Global mobile payment message routing; customers download Business Model/Technology Platform: bank-branded Java application to their mobile phones. IBM zOS operating systems. Confirmed Customers: Confirmed Customers: NA Hancock Bank, BancorpSouth Partners/Alliances: Partners/Alliances: PROSA (Promocion y Operacion, S.A. de C.V. - Mexico); IBM, CSC, IBM LogicaCMG Location: Location: Fountain Valley, Calif. Toronto www.casisoft.com www.cpni-inc.com

ClairMail Firethorn Holdings,

Key Mobile Banking Offering: a Qualcomm company The ClairMail System — a two-way mobile solution for banking, Key Mobile Banking Offering: payments and card services through actionable alerts, workflows Mobile transaction services. Enables consumers to securely and personalized touch across multiple mobile channels, including perform a wide variety of banking and payment functions any- messaging, mobile Web and client applications. time, using their mobile phone, PDA and other mobile devices. Business Model/Technology Platform: Consumers can also receive offers and view loyalty points on their Supports SMS messaging, WAP, HTML browser and client applica- mobile device. tions. Device-/carrier-agnostic; service is white-labeled. Business Model/Technology Platform: Confirmed Customers: Firethorn offers both an SMS solution and an application. It is PNC Bank, BB&T, Bank of Stockton, Cascade Bank, Alerus Financial, currently installed at OEM level for AT&T Wireless customers. City Bank Texas Confirmed Customers: Partners/Alliances: BancorpSouth, Synovus, Wachovia, SunTrust, Regions Bank, Fidelity National Information Services (FIS), WAUSAU, Diebold, America First Credit Union, Arvest Bank, FirstBank VeriSign, TELUS, mBlox Partners/Alliances: Location: Acquired by Qualcomm; CheckFree, Fundtech, AT&T, Verizon Wire- Novato, Calif. less, Sprint, Alltel, CellularSouth www.clairmail.com Location: Atlanta www.firethornmobile.com Clickatell

Key Mobile Banking Offering: FIS (formerly Metavante) Clickatell Text Banking, Clickatell Alerts. Business Model/Technology Platform: Key Mobile Banking Offering: Customers can pay bills, transfer funds or make deposits via the Metavante Mobile Financial Services: Mobile Card downloadable mobile phone: Clickatell delivers a flexible platform that enables application with balance inquiry, intra-card transfer, mini-state- banks to offer tailored mobile banking service to customers. ments; browser access to application; iPhone application in App Clickatell Text Banking provides bank balances and transaction Store; Mobile Bill Pay with standard bill pay viewing, scheduling, information via text messaging, while Clickatell Bank Alerts send changing, canceling and expedited bill pay; text message balance SMS receipts to customers when account movement occurs. inquiry through the NYCE Network; and text message debit card Banks can also take advantage of Clickatell’s secure transaction and alerts. Metavante Prepaid Mobile Financial Services: Text message payment gateways to interact with customers. balance inquiry and alerts; and WAP. Confirmed Customers: Business Model/Technology Platform: VISA, Standard Bank, First National Bank, Metropolitan, Money- Text messaging, downloadable application, browser to application, bookers, Old Mutual, Capitec, Nedbank WAP. Partners/Alliances: Confirmed Customers: NA mFoundry, S1 Corporation, Postilion, RSA Partners/Alliances: Location: Monitise Redwood Shores, Calif. Location: www.clickatell.com/solutions/financial.php Jacksonville, Fla. www.fidelityinfoservices.com/fnfis

Copyright 2009 United Business Media. Please note: This PDF is provided solely as a reader service. It is not intended for reproduction or public distribution. For article reprints, e-prints and permissions please contact: Wright’s Reprints, 1-877-652-5295, [email protected].

Fiserv Gemalto

Key Mobile Banking Offering: Key Mobile Banking Offering: Mobile Money; Mobile Money FastTrack. Mobile banking — a secure service platform that communicates Business Model/Technology Platform: with the end user via a mobile operator, safeguarding customer information through end-to-end encryption. The financial institution Mobile Money and Mobile Money FastTrack are available in an in- controls the user experience and security throughout the entire house or hosted version. The “triple play” technology supports the process. Mobile Payment Trusted Service Manager: In NFC ecosys- three primary mobile access modes — mobile browser, SMS and tem, can link any bank with any mobile device on any operator’s downloaded application — through a single platform. The down- network providing end-to-end security. Enables banks and transit loaded application enables mobile banking on high-profile devices operators to securely download a payment application onto an end such as the BlackBerry and the Apple iPhone. Functions include bal- user’s NFC-compliant mobile phone using carrier’s mobile network. ance inquiries, transaction history, account transfers, bill payments, one- and two-way account alerts, and an ATM and branch locator. Business Model/Technology Platform: Supports online and off-line user enrollment. Hosted services or software licenses for platforms; consulting; bank Confirmed Customers: cards and UICCs/SIMs; personalization services; and Over the Air (OTA) service management. Mobile banking works on any wireless Bangkok Bank device and uses the SIM’s secure computing environment to con- Partners/Alliances: trol the mobile banking application, allowing secure access to a Mobile Money and Mobile Money FastTrack incorporate technology user’s account with banking-grade 3DES encryption. Mobile pay- from M-Com, Inc. Fiserv works with VeriSign for SMS aggregation. ment with NFC includes account personalization services and OTA Location: service management to securely personalize mobile devices. Brookfield, Wis. Confirmed Customers: www.fiserv.com More than 400 mobile telecom operators, 300 of the world’s top- tier financial institutions and the governments of more than 30 countries for mobile security. For mobile operators, more than 170 Over the Air (OTA) platforms in the field, managing 800 million subscribers. Fronde Anywhere Partners/Alliances: Hundreds of mobile telecom operators, financial institutions Key Mobile Banking Offering: and governments Mobile payment and security solutions for banks, payment Location: providers and mobile operators. The Anywhere platform delivers North America headquarters: Austin, Texas secure mobile banking, payment and security services from a www.gemalto.com single system which also includes TwoSecure for two-factor www.gemalto.com/financial authentication. Business Model/Technology Platform: Downloadable Java application for full mobile banking and payment capabilities, plus two-factor authentication. Two-way SMS for alerts, information services and two-factor authentication. All services are available from the one platform. Confirmed Customers: IBM Kiwibank, Bank of New Zealand (BNZ), ASB Bank, Credit Agricole Key Mobile Banking Offering: Partners/Alliances: Hardware, software, partners and assets for system integration LogicaCMG, IBM, RSSS, CC Pace, Fronde Systems Group (New and hosting for mobile commerce solutions, be they mobile bank- Zealand), Metia ing (OLB from mobile device) or mobile payments (P2P & P2M). Location: Solutions from SMS (text) to WAP (mobile Internet) to smartphones Wellington, New Zealand (downloadable applets and near field communications). www.frondeanywhere.com Business Model/Technology Platform: IBM Payments Framework, Telco Service Delivery Platform, Retail Store Infrastructure Frameworks, distribution channel management services. Fundamo* Confirmed Customers: HSBC, Caixa, Credit Agricole, First Data Corp, AXA, Mitsubishi Key Mobile Banking Offering: Bank, among others Suite of applications for banks, mobile operators, third-party pay- Partners/Alliances: ment processors and other enterprises. Sybase365, Nokia, ACI, Amdocs, Cisco Systems, FIS (formerly Business Model/Technology Platform: Metavante) SMS, downloadable application, Web browser; use of SIM card in Location: GSM handsets for security. White Plains, N.Y. Confirmed Customers: www-03.ibm.com/industries/financialservices/us/index.html MTN Banking (South Africa), Capitec Bank (South Africa), Standard Bank (South Africa) Partners/Alliances: Gemalto, S1, Postilion, MasterCard, Verean, TTM Location: Cape Town, South Africa www.fundamo.com

Jack Henry & Associates mFoundry

Key Mobile Banking Offering: Key Mobile Banking Offering: GoDough: Users can conduct typical in-branch and online trans- Three Mode Mobile Banking. actions. GoDough supports all account types. The solution also Business Model/Technology Platform: will enable users to initiate bank-to-bank funds transfers, receive Integrated SMS, WAP and mobile applications, including native designated alerts and make mobile payments to entities other than support for iPhone and iPod Touch. One integrated solution, for the offering financial institution. consistent brand experience across all modes and no need to Business Model/Technology Platform: integrate with multiple vendors. The Three Mode offering ensures Browser-based solution; device- and carrier-independent. Fully the broadest device coverage, and mFoundry’s product can deliver integrated with JHA’s three core processing systems and will be the appropriate mode for a consumer’s device for the best possible fully integrated with its core processing system for credit unions. user experience. Currently supporting 46 carriers. Confirmed Customers: Confirmed Customers: BB&T, Citibank, Citi-County Federal, IBC, PNC, Zions Bank 153 banks nationwide Partners/Alliances: Partners/Alliances: NCR, First Data, Fidelity, PSCU, ACI, Co-Op Financial Services NA Location: Location: Sausalito, Calif. Monett, Mo. www.mfoundry.com www.jackhenry.com

M-Com Inc. Mobile Money Ventures Key Mobile Banking Offering: Key Mobile Banking Offering: Mobile Money Platform is a customizable platform capable of BankAnywhere, a mobile banking and payments platform for delivering the next generation of mobile finance, including credit unions, retail and commercial banks. First service went banking payments, stock trading, deals and rewards, and manage live in September 2002. It includes a suite of back-end capabili- and track. ties such as consolidated enrollment channels, reporting, fraud Business Model/Technology Platform: monitoring and reporting, customer care, and other channel Mobile browser, SMS and downloadable application; supports management capabilities. iPhone, Android, Windows Mobile and BlackBerry. Business Model/Technology Platform: Confirmed Customers: Access modes — SMS, WAP and downloaded application (J2ME, Citibank North America, Hong Kong, Philippines, China, Singapore BREW, Windows Mobile, BlackBerry, Android and iPhone), all off a single deployment and core system interface, and includes banking Partners/Alliances: transactions and one- and two-way alerting. Licensing is based on NA a one-time license fee for every registered consumer on the Location: platform or can be hosted for monthly active user fee. Solution San Francisco includes mobile payment models including bill payments, point-of- www.mmventures.net sale merchant payments, remote merchant payments and P2P (domestic and international) payments. Confirmed Customers: GE Money, ANZ, National Bank, Paymark, Westpac, Bangkok Bank, WaMu/Chase Monitise PLC/ Partners/Alliances: Monitise Americas* Fiserv’s exclusive mobile banking and payment solution partner, powering the Mobile Money from Fiserv product line (available as Key Mobile Banking Offering: in-house, hosted and ASP options) MONILINK mobile banking and payments network; mobile banking Location: and payments ecosystem. Atlanta Business Model/Technology Platform: www.m-com.us NYCE Payments Network; bank customers’ payments processors. Confirmed Customers: HSBC, First Direct, Alliance & Leicester, Royal Bank of Scotland, Natwest, Ulster Bank Partners/Alliances: Metavante/FIS, VocaLink, Vodafone, T-Mobile, Hutchison 3G, O2 Location: London; Milwaukee www.monitise.com

MShift* Research in Motion*

Key Mobile Banking Offering: Key Mobile Banking Offering: Mobile Banking Basic; MobileBanking Premium. The BlackBerry wireless platform enables carriers, financial Business Model/Technology Platform: institutions and middle vendors to deliver mobile banking solutions to their customers. Browser-based/mobile Web interface; SMS for real-time alerts. WAP-based. Business Model/Technology Platform: Confirmed Customers: RIM provides platforms and solutions for seamless access to e-mail, phone, SMS messaging, and Internet and intranet-based Cardinal Bank, Digital Federal Credit Union, Flagstar Bank, Patelco applications. Credit Union, Salem Five Bank Partners/Alliances: Confirmed Customers: Bank of America Airi, Cordial, Corillian (Checkfree), Digital Insight, Fujidenshi.com, Hewlett-Packard Korea, iWap, iMetavante, MTI (Japan), NCR, Open Partners/Alliances: Solutions, Semotus Solutions, System Warehouse (Japan) Pyxis Mobile Location: Location: San Jose, Calif. Waterloo, Ontario www.mshift.com www.rim.net

Obopay Inc.* S1

Key Mobile Banking Offering: Key Mobile Banking Offering: P2P payments; lets consumers and businesses purchase, pay and S1 Mobile Banking/Postilion Mobile Banking. transfer money through any mobile phone. Business Model/Technology Platform: Business Model/Technology Platform: Fully integrated into S1 Online Banking and managed through S1 Mobile application, text message, mobile Web, widget or Application Manager configuration settings to offer mobile to select Obopay.com. customer segments or all customers; applies Online Banking Confirmed Customers: entitlements to mobile channel access to features and limits. Consumer- and small business-focused banking and payments Citigroup functionality available on mobile browser or SMS modalities. Partners/Alliances: Postilion for mobile banking can be deployed on different mobile Unit of PayPal technologies (structured SMS, WIG, S@T, WAP, Java client). Location: Confirmed Customers: Redwood City, Calif. NA www.obopay.com Partners/Alliances: NA Location: Atlanta Pyxis Mobile www.s1.com www.postilion.com Key Mobile Banking Offering: Retail Banking Mobile Application: Access accounts, transfer funds, manage payments and investments, and access real-time market data/news. Sprint Business Model/Technology Platform: Pyxis Mobile’s Application Studio. Key Mobile Banking Offering: Confirmed Customers: Mobile Loan Office, My MoneyManager. NA Business Model/Technology Platform: Partners/Alliances: Sprint Nationwide PCS Network. AT&T, Verizon Wireless, RIM, Microsoft, Palm, Concur, Confirmed Customers: Thomson Reuters NA Location: Partners/Alliances: Waltham, Mass. iAnywhere www.pyxismobile.com Location: Overland Park, Kan. www.sprint.com/finance

Sybase 365 VeriSign

Key Mobile Banking Offering: Key Mobile Banking Offering: Sybase 365 mCommerce is an end-to-end solution for mBanking, VeriSign Mobile Banking allows banks and financial institutions to mPayments and mRemittance, designed for mobile operators and provide their customers with convenient, on-the-go access to bank- financial institutions. The service enables financial institutions to ing and other financial services. These include one-way services interact with customers in real time through mobile alerts, two-way such as withdrawal alerts, checking and salary deposit confirma- banking and payment services using SMS, WAP and downloadable tions, account statements, and credit card transaction alerts, and client, security enhancement applications such as two-factor two-way interactive services such as balance inquiries, bill pay- authentication (2FA), as well as online tools for marketing cam- ments and funds transfers, all via the mobile phone. paigns. In December 2008 Sybase acquired paybox Solutions AG, Business Model/Technology Platform: a global provider of mobile payment solutions. Paybox was inte- VeriSign’s flexible solution uses SMS/MMS and Click-to-WAP to grated into the mCommerce business unit of Sybase 365. deliver real-time information to the mobile user, providing a foun- Business Model/Technology Platform: dation for value-added services; VeriSign offers a carrier-grade and Intelligent SMS, mobile browser, rich phone application, USSD, device-agnostic solution. STK, SMS Locater Service, mobile marketing suite, connectivity to Confirmed Customers: Sybase 365’s global (mobile) messaging hub. VeriSign is currently working with six of the top 10 largest banks in Confirmed Customers: North America, three of the top five credit card issuers, and global United Bank of India, Citibank, Compass Bank, Mobilcom/A1 Bank leaders in online payment and remittance solutions. Its customers (Austria), MasterCard, One Austria, Vodafone Egypt, Maxis Malaysia, include Western Union, Fifth Third Bank, US Bank and Huntington Commonwealth Business Council Uganda, Lari Exchange UAE National Bank. Partners/Alliances: Partners/Alliances: C-SAM, IBM, Sun Microsystems ClairMail, Fiserv Location: Location: Dublin, Calif. Mountain View, Calif. www.sybase.com/365 www.verisign.com

Telrock* Yodlee

Key Mobile Banking Offering: Key Mobile Banking Offering: TextDebit mobile payments system; TextRequest account manage- Portfolio of comprehensive personal financial management (PFM), ment: self-account management through mobile phone. payments and alerts services via online and mobile channels. Business Model/Technology Platform: Business Model/Technology Platform: SMS text messages, text alerts, mobile Internet. Yodlee makes its services available to consumers via financial Confirmed Customers: institutions and portals that white-label the solutions. Flexible deployment options include ASP, SDK (Software Development Kit) Royal Bank of Scotland, NatWest, Mint and Enterprise. Partners/Alliances: Confirmed Customers: PayPoint Yodlee works with 100+ leading financial providers worldwide, with Location: 20+ million consumers of Yodlee-powered services. London Partners/Alliances: www.telrock.com Vodafone UK Location: Redwood City, Calif. Tyfone Inc. www.yodlee.com

Key Mobile Banking Offering: Mobile banking, mobile contactless payments, mobile remittance and microfinance, mobile identity management, mobile retail (loyalty and remote payments). Business Model/Technology Platform: Tyfone has designed the world’s first secure memory card with integrated smart card chip (secure element), an NFC chip and a miniature antenna. This patent-protected secure memory card is capable of operating in any standard memory card slot. The solution enables an issuer-centric model allowing the issuer to control both channel and customer. Tyfone’s approach is globally scalable, enabling communications with customers on any mobile phone using any network operator infrastructure. Confirmed Customers: West Coast Bank, Bank of Oswego Partners/Alliances: i-Flex Location: Portland, Ore. www.tyfone.com