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Ashazi Services Co. W.L.L.

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Ashazi is a global provider of electronic payments solutions for financial institutions, retailers and
payment processors. Customers rely on Ashazi solutions to deliver reliable, scalable and secure
payment services and to have money on the move.
Ashazi's objective is to become the leading electronic payment services and technology provider in
the Middle East and North Africa.
We work with web developers, shopping cart providers and all the major banks to offer the best in
online and e-based payment processing services - Ashazi means industry leading reliability, security
and value.
Headquarter in Manama, Bahrain. Founded in 2009. Privately held and funded by international
investors. Operations in Bahrain, Kuwait and the U.K.

More connections through financial services.

Financial Services enable connectivity

Being connected is about
Communication with your contact netw through the most different way%u2022 Accessing all type of information and
enterntainment content
But is also about
Accessing and making financial transactions
with your contacts network, any place, anywhere -
Connecting individuals in a more human, funny intelligent and Secure way

Payment Services for Carriers

Value proposition

Improves core business model...
Significantly reduzed payment costs and fraud losses
Improved convenience = higher avg. revenue per subscriber
Differentiating services = more new customers and better retention
Differentiating value propositions...
Guaranteed / indemnified payments = no risk!
Security and compliance with secure tokenization solutions (PCI/DSS)
Realtime cash flow information and reconciliation
Single-source processing for all sales channels incl. point-of-sale and kiosk

Prepaid Topup - Selected Features
Payment Channels, Features and Methods
Maximize revenue via channels like web, SMS,
handset apps, IVR, %u2026
Supports Auto-Topup, gifting, %u2026
Unmatched portfolio of local & international
payment methods
Fraud & Risk Assessment
Eliminates fraud risk (Indemni%uFB01cation)
Allows more good transactions
Reporting & Reconciliation
Reduced operational complexity
Single Point of Information for cash %uFB02ow and
reconciliation
Data Security
Fully PCI-DSS compliant, eliminating cost and
burden of compliance for clients

Improve Core Business Model

Issuing / Mobile Wallet

Entry point | Co-Branded Prepaid Card

Seamless entry into the payment market

Can be bundled with prepaid phone card

Can be sold in operator stores or retail stores
(e.g. gas stations)

Integration with operator loyalty program

Distribution via operator shops

Reloadable with cash at point-of-sale

Card becomes mobile wallet through
smartphone app

Proximity and post-payment advertising

Prepaid phone topup out of card balance

Optional NFC sticker for contactless payment

Entry Point: Co-Branded Prepaid Card

Where the operator becomes the issuer

SERVICES

Buy card online or in MNO store

Pay at Point-of-Sale or Internet

Topup with cash at MNO store

SERVICES

View balance and transactions

Real-time noti%uFB01cations

Locate next MNO store

Topup online

Send Money to other
cardholders (Person-2-Person)

Manage Personal Details

Looking Beyond Plastic | Mobile Wallet

Mobile Wallet

Mobile Payment at the POS (NFC)

Mobile device replaces traditional card carrier material

Nearfield communication (NFC) enables terminal interaction

Loyalty and bonus programs (voucher, proximity alerts)

Peer-to-peer transfers (e.g. proximity payments)

Enables integrated mobile payments experience

Available platform components:

LOYALTY / COUPONING

Multi-platform application (whitelabel) and NFC sticker

Online consumer enrolment, KYC and monitoring application

Account holder and stored-value account management

Top-up and billing infrastructure

Support for multiple licensing and bank-partnership models

Mobile Wallet - Sticker solution for instant NFC Enablement

Ideal contactless companion device that enables use of mobile phones for
contactless payment (e.g. PayPass)
Software compatible with most mobile phones on the market
Custom colors, printing, branding (e.g. carrier branded sticker)

Ecosystem Overview

Feature: Virtual Credit Cards

Solution for secure ecommerce

Instant creation of virtual credit cards

Simple to use user interface

Variable spending limits and expiration time

Most secure way to purchase on the Internet

Multi-source funding / loading (e.g. phone bill)

Available platform components:

Multi-platform application (whitelabel)

Issuing platform with real-time capabilities

Top-up and billing infrastructure

Support for multiple licensing and bank-partnership models

Concept: One Account

Combined Prepaid Phone - Prepaid Card Account

Mobile Wallet

Loyalty and Couponing Features

Automatically collect loyalty points at purchase

Supports individual loyalty scheme per merchan%u2022 No barcode reader needed at merchant

Easy online signup for merchants

Push/pull noti%uFB01cation on deals and discounts

Available platform components:

Online merchant enrolment and monitoring

Management of loyalty schemes

Billing infrastructure for loyalty and couponing

Open interfaces to third party loyalty schemes

Flexible Set of Ashazi Services

Ashazi offers a %uFB02exible set of issuing processing services and card & account management services.
Optionally these services can be provided as co-branded services by Ashazi.

Mobile Financial Services enable connectivity

Being connected is about

Communication with your contact network through
the most different ways

Accessing all type of information and entertainment
content
But is also about

Accessing and making %uFB01nancial transactions with
your contacts network, any place, anywhere-

Connecting individuals in a more human, funny
intelligent and Secure way

Financial Services open new revenue streams for MNO

Mobile Remittance | Mobile cross-border person-to-person payments

Mobile-to-Cash

Send cash from mobile to participating ATMs anywhere in the world

Peer-to-peer remittance solution

Available platform components:

Multi-platform application (whitelabel)

Online consumer enrolment, KYC and monitoring application

Account holder and stored-value account management

Virtual card issuing and settlement processing

Currency management

Banking / issuing license

Example Remittance Service: Cash-Out using ATMs

To-cash remittance solution
Cash-out on all participating ATMs - anywhere in the world

Solution powered by Ashazi and M2CASH

Available platform components:

Multi-platform application (whitelabel)

Account holder and stored-value account management

Based on Ashazi's virtual card issuing and settlement processing
technology

Integrated currency/Forex management