THE BUSINESS

OF TOMORROWS

CONFIDENTIAL AND PROPRIETARY

All trade marks, trade names, symbols, images, and contents etc. used in this document are the proprietary information of Comviva Technologies Limited.
Unauthorized copying and distribution is prohibited.
© 2019 Comviva Technologies Limited. All rights reserved
 AGENDA
Who are we? What do we do? How did it happen?

Our brief history, Patents, awards

Deep dive into our
presence, portfolio and analyst
product portfolio
and customers coverage

Where are we going? Why partner with us?

Carrying forward our

legacy of growth, Business impact, trust
innovation and customer and partnerships
centricity

2 © 2019 Comviva Technologies Limited. All rights reserved.

 Who are we?
OVERVIEW HISTORY GLOBAL PRESENCE CUSTOMERS

PORTFOLIOS RECOGNITIONS

3 © 2019 Comviva Technologies Limited. All rights reserved.

ABOUT US

Comviva is a We are a subsidiary

leading global mobility of Tech Mahindra 2 Bn+ 95+
solutions provider to and a part of the Mobile Users Countries
Mobile Operators and $21 billion Globally covered
Financial Institutions Mahindra Group

20+ 130+ 8
Years of Customers Product
experience lines

4 © 2019 Comviva Technologies Limited. All rights reserved.

POWERING ON,
SINCE 1999

Company Joint investment Tech Mahindra Acquired

inception as by Westbridge, acquires Emagine
Bharti Telesoft Sequoia and controlling stake International
Cisco

Cell Cloud Jataayu ATS acquisition

acquisition Software (making
(a mobile acquisition in - roads
recharge player) (messaging in LATAM)
software
provider)

5 © 2019 Comviva Technologies Limited. All rights reserved.

GLOBAL PRESENCE
Serving 2Bn+ people in 95+ Countries Globally

Americas APAC
14 Countries 11 Countries
334Mn Subscribers 951Mn Subscribers

Regional Offices EMEA

71 Countries
725Mn Subscribers

6 © 2019 Comviva Technologies Limited. All rights reserved.

KEY CUSTOMERS

Americas

EMEA

APAC

7 © 2019 Comviva Technologies Limited. All rights reserved.

OUR PORTFOLIO
Proven Digital Solutions Across The Telecom Ecosystem

Mobile Digital Customer

Financial Solutions Lifestyle Solutions Messaging Solutions Value Management

130+ Deployments, empowering 65+ Deployments globally 350+ Deployments, processing 130+ Deployments across
1Bn+ people globally • Digital Content and 1Tr+ messages annually 65+ countries
• mobiquity® Money Content Services • Enterprise Messaging Platform - Ngage • Consumer CVM
• mobiquity® Wallet • Digital SDP • A2P Messaging Monetization Solution • Retail CVM
• PayPlus • Digital Business Management • Integrated Messaging Platform - Uno • Mobile Money CVM
• PreTupsTM • Caller Ring Back Tone • Messaging Hub and Firewall • Unified Digital
• Digital Banking Experience Platform • Connected Communication Experience Platform

Mobile Converged
Data Solutions Business Solutions Managed Services Mobile Solutions

1Bn+ Hits / day in a single 800Mn+ Subscribers across 50+
deployment deployments
• Infinity Data Monetization • OSS / BSS Suite
• Sales and Distribution
• Centralized
Subscription Manager
130+ networks in around 95 countries
• Managed Customer Experience
• Managed Cloud Services
• RADAR
• Managed Financial Services
• Service Performance Insights Suite
• Robust Automated Perceptive Intelligent
Testing
100Mn+ Activations
• Automatic SIM Activation
• Charging Gateway
• Online Charging System
• Telecom Service Logic
Execution Environment
(Telecom SLEE – IN/IMS)
• Equipment Identity Register

8 © 2019 Comviva Technologies Limited. All rights reserved.

RECENT RECOGNITION

2018 2017
Won the GSMA Global Mobile Awards 2018 Won the GSMA GLOMO
in the “Best Mobile Innovation for Women in Awards 2017 in the
Emerging Markets” category “Best Mobile Payment
for the EcoCash Savings Club. Solution” category
for EcoCash service powered
by mobiquity® Money platform.

“Highly commended” at the CommsMEA

Award in two categories.
The 'Business Service Initiative of the Year' and Positioned in Gartner
the 'Most Innovative New Service of the Year' 3 TIME GLOMO Magic Quadrant on
Award Winner Integrated Revenue and
Customer Management
for CSPs, 2016 and
2017 consecutively
AfricaCom Awards 2018
for our BSS suite and
in the 'Best Fintech Innovation‘ category 2019 customer analytics solutions.

Juniper Research Future Digital Awards

in the 'Best Mobile Money Offering' category

Won the IAMAI India

Digital Award
in the 'Best Digital Payment
9 © 2019 Comviva Technologies Limited. All rights reserved. Processor' category
 What do we do?
END-TO-END MOBILE DIGITAL MESSAGING CUSTOMER
DIGITAL FINANCIAL LIFESTYLE SOLUTION VALUE
SOLUTIONS SOLUTIONS SOLUTIONS MANAGEMENT

MOBILE DATA BUSINESS MANAGED CONVERGED

SOLUTIONS SOLUTIONS SERVICES MOBILE
SOLUTION

10 © 2019 Comviva Technologies Limited. All rights reserved.

MOBILE FINANCIAL SOLUTIONS
Transforming Lives

mobiquity® Money Processes transactions

Stored value account-based valuing USD 55Bn+ annually
mobile solution
mobiquity®
Money
mobiquity® Wallet Powers South Asia’s 1st Bank
Powers
3 out of top 10 130+ Secure digital wallet led HCE Payments

mobile money Global

deployments Deployments PayPlus Powers mobile POS of the
Mobile Point of Sale (PoS) World’s Largest Acquirer
in the world
PreTupsTM Processes 1 in every 4 recharge
Electronic recharge and prepaid transactions globally
management solution

Digital Banking Enabling Banks to Deliver a

Experience Platform Hyper-Personalized Experience

11 © 2019 Comviva Technologies Limited. All rights reserved.

DIGITAL LIFESTYLE SOLUTIONS
Creating New Revenue Streams
D I G I T A L S E R V I C E S
CONNECTED COMMUNICATION
Multichannel consistent experience across any device and Increase Call Completion Rates
network for diverse content and range of content services
to the consumers

Connecting 20+ Products,

Digital Digital the unconnected offers multiple
Content Caller Ring
and Content
Digital SDP Back Tone
Business calls through Call applications on a
Management Completion Suite single platform
Services

Driving revenue Compliant

Video, voice and
text-based content and
content services
across various genres
is available on
“Mooditt Digital Store”
› 350+ partners onboard
› 1,000,000 content
› 33 Customers
12 © 2019 Comviva Technologies Limited. All rights reserved.
→ A unified platform to deliver → Comviva’s caller → Manages the entire from low balance with 2G / 3G / 4G
the content services ring back tone (CRBT) digital services supply customers through networks
through multiple channels solution enables subscribers chain-from content No Balance Suite
like Web, WAP, APP, to opt for personalized audio on-boarding to billing to
IVR,SMS and USSD content, in place of service management CONNECTED COMMUNICATION
→ Online partner onboarding regular tones → Offers insight into
and revenue settlement, → The solution can be integrated consumer behavior Increase Call Completion Rates
service creation, with the various components preferences
subscription and billing of an operator’s network. This → Cloud hosted CMS
management, smart APIs, largely includes the home ensures quick
adaptive streaming, brand location register, mobile service delivery 65+
management, customer switching centres, intelligent Deployments empowering
care, churn management networks, billing systems, etc
and online reporting → The CRBT solution’s core
application comprises of a
250Mn+
combination of signaling and a Subscribers globally
tone player. It can be
accessed via multiple
channels, including SMS,
USSD, WAP and an
online portal
MESSAGING SOLUTIONS
Transforming Operator Led Messaging, Connecting Enterprises with Customers

Enterprise Messaging End-to-end A2P messaging solution

Why is A2P Platform - Ngage Managing ~10% of all A2P messages globally
monetization a
high priority? Maximize potential for 100% A2P messaging traffic
A2P Messaging
56% of A2P traffic is
non - monetized
350+ Monetization Solution ~10 times growth in A2P Revenues

Global Manage SMS firewall, interoperability and

Messaging Hub and Firewall grey route blocking
MNOs Deployments
Blocking Grey - routes for ~20 global operators
across the globe
are estimated to
Consolidate messaging infrastructure across
lose in USD 62Bn in Integrated Messaging Platform SMS, MMS, USSD, IP messaging and voicemail
next 6 years - Uno into a single platform

HELPING OPERATORS UNLOCK THE

A2P MESSAGING OPPORTUNITY

13 © 2019 Comviva Technologies Limited. All rights reserved.

CUSTOMER VALUE MANAGEMENT
Real-time Actionable Insights Into the Customer Journey

A Highly Scalable Analytically Driven Big Data Platform for Consumer and
MobiLytixTM Suite Retailer Value Management

Consumer CVM Retail CVM Mobile Money CVM Unified Digital

Increase Lifetime Value of Drive Revenue Drive the Value of Experience Platform
customers by leveraging Through Continuous Customers on their Designed to facilitate
actionable insights Retailer Engagement Mobile Wallet Usage digital self-care.

Real Time Marketing ADVANTAGES

Predictive Analytics • Rapid Execution of Use Cases

• Seamless 3rd Party Integration
Vendor Agnostic
• Faster Go To Market
Cloud and On • Single User Interface
Premise Delivery
• Cost Effective and Profitable
Interactive Dashboards

• Consecutive recognition in 2017 and • 130+ Deployments across • Redefining customer journey for • Approx. 30% gain in recharge revenue
2016 as key customer management • 65+ countries more than 500Mn+ end customers • Approx. 5% revenue upside
solution providers in the Gartner • >15% win back of dormant customers
Magic Quadrant on IRCM for CSPs

14 © 2019 Comviva Technologies Limited. All rights reserved.

MOBILE DATA SOLUTIONS
Enabling Data Monetizing and Improved Customer Experience

HELPED A LEADING OPERATOR CREATE REVENUE EFFICIENCIES OF

USD 500Mn

Infinity Data
Monetization Platform
Sponsored Data Solution

Creates new mobile data

revenue stream

15 © 2019 Comviva Technologies Limited. All rights reserved.

BUSINESS SOLUTIONS
Next Generation Revenue Management

― OSS/BSS suite ― Sales and Distribution (SnD) ― Centralized Subscription Manager (CSM)
• A convergent end-to-end BSS stack • Simplify operations and minimize • Centralized Charging, Subscription,
• Quad - play offerings overheads across the channel Rating and Provisioning
• Cloud based and pre - integrated • Mobile App enablement for real • OTT monetization
• 360 Degree customer view with social time updates • Unified Selling framework for Voice, Data
media insights and VAS joint offerings

Unified CRM Order Mgmt. Inventory Sales and

(uCRM) (OM) Management Incentive
Management Data Direct
Revenue Carrier Billing
Number Mgmt. Convergent Channel and Booster
System (NMS) Billing (cBS) partner
Management

Market Penetration of 4G to 22%

in highly competitive market due to
40+ Global 230Mn+ Subscribers optimized distribution strategy 65+ Global 50Mn+ Subscribers
deployments in a single deployment deployments in a single deployment

16 © 2019 Comviva Technologies Limited. All rights reserved.

MANAGED SERVICES
Creating Efficiencies Across Telecom Value Chain

Rapid Auto Detection Advanced Technology

Simplify operations
and minimize overheads across the channel
Robust Automated Perceptive Intelligent Managed Financial Services
Testing
Reduces operational costs through automated Financial transactions data analysis
monitoring of services
Decreases the time taken to detect issues Tracks and manages QoE,
impacting the service performance and QoS in real time

Managed Customer Experience Service Performance Insights Suite

Manage and optimize E2E QoS ensuring Operational efficiency through a wide
churn reduction and increased revenue range of testing solutions namely RAPIT
Unified real time view of business, network, Enhance profit and ensure service quality
product and customer
Managed Cloud Services
Streamlining the launch of new services
Improves time to market for new services by ~75%

Deploying solutions GTM time reduction up to Reduce OPEX costs

over 130+ networks 50% with 99.5% first time right up to 25%
17 © 2019 Comviva Technologies Limited. All rights reserved.
CONVERGED MOBILE SOLUTIONS

Charging Gateway
Fully manage IN to OCS
charging for voice and SMS
Automatic SIM
Activation 100Mn+ Activations,
Customer service 30% reduction in
models for better sales and Over 500 / sec
OPEX and Capex distribution costs transactions per node

Future proof single

deployment for 2G / 3G
and LTE - any network
Equipment
Identity Register
Enhanced EIR -
compliance and more

Telecom SLEE,
Operators who are migrating from Heart of the intelligent network,
3G to LTE networks require continually providing call control, call
charging for legacy IN - based and new routing and services execution
diameter- based services. With the Online
Charging System offering, the operator
addresses the issues pertaining to charging, Field proven - Over
while moving to next generation LTE networks. 5,000 MPS per Node
Online Charging System

18 © 2019 Comviva Technologies Limited. All rights reserved.

 How Did It Happen?
CONTINUOUS AWARDS AND ANALYST
INNOVATION RECOGNITION COVERAGE

19 © 2019 Comviva Technologies Limited. All rights reserved.

CONTINUOUS INNOVATION
Leading to Market First Products

MARKET FIRST PRODUCTS

CUSTOMER ANALYTICS
Dynamic Pricing
› IRIS, unifies retailer and subscriber recharge processes
through highly contextualized experience
Mobile Learning › MobiLytix™ Customer Engagement for Digital Payments (CEDP),
a marketing engagement automation platform for digital payments
Flexible Coupon; dynamic and segmented recharge scratch card offers
Camel Roaming Services

Session continuity System MOBILE FINANCIAL SOLUTIONS

› iOS 10’s voice recognition and 3D Touch
Content Campaigning › Chatbot to assist wallet users with payments
› Airtel Money “Tap Tap” NFC Payments is the first-of-its-kind
closed loop service
Online Mobile Gaming, Mobile
based Payment and Settlement
BILLING AND OTT PARTNERSHIPS
› Data Revenue Booster, enables apps such as YouTube to trigger
10 41 customized real - time data offers

Granted Published
Patents Patents

20 © 2019 Comviva Technologies Limited. All rights reserved.

AWARDS AND RECOGNITION

2015 2016 2017 2018

21 © 2019 Comviva Technologies Limited. All rights reserved.

 ANALYST COVERAGE
Featured thrice in Gartner Magic Quadrant for Integrated Revenue and Customer Management (IRCM) for CSPs - 2018, 2017 and 2016

Market Insight: Identifying the Hype Cycle for Digital Competitive Landscape:
Key Areas of CSP Analytics Commerce, 2018 CSP Multichannel Campaign
Opportunities Management, Worldwide,
2017

Market Guide for

Featured in 9 Gartner reports Digital Wallet
during Jan - Dec, 2018; including
7 hype cycles. Some key mentions Market Guide for
Market Trends: CSPs Hype Cycle for ICT in Hype Cycle for Digital Banking
in the recent past include: Implement Analytics-Based India, 2018 Communications Service Multichannel
Customer Retention Strategies Provider Strategy, 2018 Solutions

Mahindra Comviva's acquisition
of Emagine is further evidence of
market consolidation in the
telecoms analytics market
Telco Services Innovation Radar
A framework to understand women’s
mobile - related safety concerns in low -
and middle - income countries
Global CSP Monetization and Financial
Assurance 2018 Edition: Market Drivers,
Forecast, Market Share, and
Requirements Analysis
Digital Money Transfer - Deep Dive
Data and Forecasting
Mobile Wallets - Deep Dive
Strategy and Competition 2018 – 2022
Contactless Payment - Full Research
Suite
Now Tech: Real-Time Interaction
Management, Q1 2019
Channel Software Tech Stack (2019)
Vendor Landscape: Mobile
Enterprise Applications Services
Providers, 2017

22 © 2019 Comviva Technologies Limited. All rights reserved.

 Where Are We Going?
VISION FUTURE READY CONTINUOUS CUSTOMER
PRODUCTS INNOVATION CENTRICITY

23 © 2019 Comviva Technologies Limited. All rights reserved.

OUR GROWTH LEVERS

We are…
THE BUSINESS
OF TOMORROWS

TOMORROW READY CONTINUOUS INNOVATION CUSTOMER CENTRICITY

Product lines with immense growth Continually creating First-time right and
opportunities till 2020 and beyond industry first products on-time delivery

24 © 2019 Comviva Technologies Limited. All rights reserved.

FUTURE READY PRODUCTS
End-to-end Digital Solutions Enabling Transformation of Business of Tomorrows

PRODUCTS THAT CATER TO DIGITAL NEEDS THAT ARE EMERGING OR RE - EMERGING;

HOLDING IMMENSE POTENTIAL TO GROW…

Mobile Commerce Digital Content Data and Internet

To reach USD 1Tn in 2020; To reach USD 207Bn in 2020; Data consumption to reach
growing by 188% compare to 2016 growing by 154% compare to 2016 38 Exa - Bytes / month in 2020; growing
by 347% compare to 2016

Big data and Analytics A2P Messaging

To reach USD 203Bn in To reach USD 68Bn in
2020; growing by 56% 2020; growing by 30%
compare to 2016 compare to 2016

25 © 2019 Comviva Technologies Limited. All rights reserved.

CONSTANT INNOVATION
Supporting Innovation Through Ventures

START - UP FACTORY - Incubated multiple start - ups, some of the prominent examples are

TerraPay - Global mobile - YABX is a fintech venture

first payments service, allows aimed at monetizing the
cross-border transfers to a multitrillion dollar opportunity in
mobile number instantly micro - lending.

• Acquired Pay2Global expanding footprint in 32 countries
in Europe
• Partnership with MoneyTrans and Paga for cross border
remittance between Europe and Nigeria
• Expanding services to Tanzanian mobile wallets
At YABX, we are using real time analytics and predictive
modelling to create financial identity for 2Bn+ unbanked and
under - banked customers worldwide. This financial identity or
credit scoring is used as a platform to deliver plethora of
services like instant credit scoring, lending, and other
personalized financial services. In essence, YABX aims at
enabling mobile operators and banks to acquire and underwrite
millions of underserved consumers.
YABX is a B2B company incubated by Mahindra Comviva, a
global leader in delivering mobile financial solutions, itself part of
the $20.7 Billion Mahindra Group.

26 © 2019 Comviva Technologies Limited. All rights reserved.

 CUSTOMER CENTRICITY
Results from Our Annual VOC Survey
Respondents have rated us in the “Top 2” box,
with respect to CUSTOMER LOYALTY (averaged
over 2016,17,18)

Respondents opine that

Of customers in key accounts 77% Comviva is a THOUGHT
have rated us in the “Top 2” 86% 60% LEADER IN TECHNOLOGY
box, with respect to & INNOVATION, compared
CUSTOMER CENTRICITY to the competition

80%

of our customer Highly Value

relationship with Comviva and are
Of customers in key committed to strengthen it
accounts opine that our 66% 88% Of customers in key
DOMAIN & TECHNOLOGY accounts have rated us in
EXPERTISE is a key the “Top 2” box, with
competitive respect to
advantage offered PROFESSIONALISM
These numbers are based on the 2018 annual Customer
Satisfaction Survey conducted by Kadence International
The “Top 2” box rating is categorized as Excellent or Very Good
(5 or 4 on a ‘1 to 5’ scale, where 5 is maximum)
27 © 2019 Comviva Technologies Limited. All rights reserved.
 Why Partner With US?
WHY BUSINESS CUSTOMER PARTNERS
COMVIVA IMPACT SPEAK

28 © 2019 Comviva Technologies Limited. All rights reserved.

WHY COMVIVA?

CREATING BUSINESS IMPACT

Proven track record of revenue
enhancement and cost reduction

CUSTOMER TRUST AND LONG - STANDING

RELATIONSHIPS
Long time association with telecom leaders;
let’s hear it from our customers themselves

STRONG INDUSTRY ASSOCIATIONS

Partnerships and collaboration with leading
technology providers, SIs and financial services
providers across globe

29 © 2019 Comviva Technologies Limited. All rights reserved.

UNLOCKING BUSINESS POTENTIAL
Revenue Impact Across the Telecom Value Chain

Managed Messaging Winback Campaign Mobile Mobile

Services Management Data Platform money

>20% USD 200Mn USD 25Mn >3% USD 500Mn USD 73Mn
Savings in bottom Revenue Revenue uplift Of Revenue Gain Revenue Revenue
line cost Generated from a single Generated generated, 11%
campaign of operator’s TR

Tier 1 Operator Tier 1 Operator A leading Pan Leading Tier 1 operator Tier 1 Operator
in Africa in SEA Africa Operator European in SEA in Africa
Operation

1 2 3 4 5 6

30 © 2019 Comviva Technologies Limited. All rights reserved.

WHAT OUR CUSTOMERS SAY
Christian De Faria
Executive Chairman, Airtel Africa
Our customer base has tripled in two years;
largely due to the array of innovative mobile
services e.g. mobiquity® Money and support
of our technology and innovation partner
Mahindra Comviva.
Natalie Jabangwe Morris
COO, Econet Zimbabwe
Comviva’s ability to innovate
dynamically and scale up according to
our need when required is a huge plus
which they bring to the table.
31 © 2019 Comviva Technologies Limited. All rights reserved.
Pradeep Shrivastava
CMO, Robi Axiata
We have been using Comviva’s Digital
Recharge system for 8 years and are very
satisfied. In Bangladesh, This system has
brought in a completely new paradigm in
terms of how micro - charging takes place.
Rajesh Srivastava
CCO, Idea
Comviva is one of our earliest partner
and a top notch solution provider
which is able to actively drive our
business and match our objectives.
Khaled Nuseibeh
Director Digital Services, Du
Experience with Mahindra Comviva has
been quite positive. We have managed to
grow the business despite many constraints,
key focus and strength behind that is
Comviva’s strong technical platforms
and on - ground teams in UAE.
Sunil Colaso
CEO, Airtel Tanzania
Comviva has helped us realize our vision of
a “cashless economy” by digitizing day-to-
day micro payments (via the Airtel Money
Tap Tap service). In sum, Comviva has
enabled us to ensure that mobile money
completely transforms the way customers
perform financial transactions in Tanzania.
OUR PARTNERS
TECHNOLOGY AND INFRASTRUCTURE PARTNERS

CHANNEL PARTNERS FINANCIAL SERVICES PROVIDERS

32 © 2019 Comviva Technologies Limited. All rights reserved.

 THANK YOU
www.comviva.com

CONFIDENTIAL AND PROPRIETARY

All trade marks, trade names, symbols, images, and contents etc. used in this document are the proprietary information of Comviva Technologies Limited.
Unauthorized copying and distribution is prohibited.
© 2019 Comviva Technologies Limited. All rights reserved