In reply to Mike McDonnell.

Thanks Mike for appreciating our perspective on mobile payments. This whitepaper has been published by Mahindra Comviva, a leading company providing mobility solutions. We are a subsidiary of Tech Mahindra and a part of the US$16.5 billion Mahindra Group. Our product portfolio includes mobile finance, content, infotainment, messaging and mobile data solutions and is deployed in over 90 countries. Our mobile financial solutions serve over 750 million people globally through over 120 deployments meeting the needs of merchants and consumers of banks and financial institutions, retailers, and MNOs. Our mobile financial service portfolio includes:

mobiquity® Wallet: Mobile wallet for digital payments and mobile marketing

mobiquity® Money: Stored-value, account-based mobile money solution

PreTUPS: Electronic recharge, voucher management, and operator billing

mobiquity® Banking: Mobile banking solution

payPLUS: Mobile POS solution

In case you want to know more about Mahindra Comviva and its offerings, please write to info@mahindracomviva.com