Tola Mobile - Markets

Simple Mobile Payments
For you and your customers



Contents

Our Markets.............................................................5 Case Study - APA Insurance.......................................16

Gaming and Gambling............................................6 Case Study - Mkakabet..............................................18

Publishing ................................................................8 Case Study - Buymymag.co.uk..................................19

Fast Food..................................................................10

Parking..................................................................... 12

Insurance.................................................................. 14

Travel........................................................................ 15



Our markets

Our simple mobile payment solutions help you offer a better customer experience. They’re easy to
implement and easy to use, and the robust security protects all parties in different markets.
With our Tola MobilePay and Wallet products, you have an easy way to boost loyalty with existing
customers and expand your reach in new sectors – locally and worldwide.

Gaming & Gambling Publishing Travel

Leverage a seamless payment Capitalise on a simple way to boost Offer a better service to an
mechanism that entices gamers and online conversion rates for one-off increasingly mobile savvy customer
makes it easy for them to place bets.
purchases and subscriptions. base who are spending more
on travel.

Fast food Parking Insurance

Give your customers a more Offer a handy alternative to pay and Process premiums and deliver
convenient way to pay for food while display, saving your customers the payouts faster, while providing better
on the move without – leaving your hassle of dealing with loose change.
service and improving operations.
site or app.

5

Gaming and Gambling

Seamless customer experience, seamless mobile
payments

Tola products lead the way with a fluid payment mechanism that entices gamer’s and
makes it easy for them to interact with your website or app to place bets for gaming
and gambling.

We’ve refined our solutions to address a key issue betting companies face – slow
and lost disbursements. With Tola, you get network operator support and can easily
manage bulk disbursements so funds appear quickly, plus everything’s traceable. This
makes management easier while helping deliver a better service to your customers.

Whether you’re increasing penetration within your existing countries or looking to
expand your reach across Africa, we help you offer simple mobile payment options.
In markets where more people have mobile phones than bank accounts, we help you
reach a lucrative and previously untapped customer base that’s active in gambling and
gaming.

User opens app or website Chooses to place bet Clicks Mobile Pay

PIN sent via SMS 07808639858

Enters mobile number

4128 Bet placed

Enters PIN

7

Publishing

Flexible mobile billing that drives sales

Tola products give publishing companies an easy way to boost online conversion
rates. Not only can you create bespoke payment options – for example, for one-off
purchases and subscriptions – but you can also be up and running quickly.

Through Tola MobilePay , we’re one of the few mobile payment providers that’s an
FCA Authorised Electronic Money Institution, so you can offer mobile payment options
on your site without the hassle of partnering with traditional banks. And if you’re
expanding in Africa, Tola Wallet makes it easy to reach customers who don’t have
bank accounts.

With our simple APIs, robust security and seamless integration with major network
operators, we make it easy to improve your online customer experience in a way that
boosts your conversion rates.

Customer selects magazine Customer provide mobile
and subscription type number for payment

SMS with Pin code sent to
customer

Payment confirmed SMS receipt send to
Customer

9

Fast food

Offer your customers a more convenient way to pay,
simply by using a mobile number

Tola mobile payment solutions are proven to increase sales in the rapidly growing fast
food and takeaway segments – enabling customers to pay for food with their phone
bill

With a growing number of customers ordering online and via apps, offering a mobile
payment option saves them the tedious typing of credit card details, billing information
and extra card security passwords. Instead, your customers simply enter their mobile
number and a secure PIN they receive by SMS.

Tola products work with major mobile network operators and integrate seamlessly with
your website and systems. As a result, your customers can order quickly on the go,
boosting your revenue while saving you time and hassle on payment-related admin.

Receive SMS about a Select pizza offer Complete delivery details
special offer from the Pizza

merchant & Click Link
in SMS

Receive PIN Enter mobile number and
click Send PIN via SMS

Enter PIN, accept the T&C’s Confirmation Screen SMS confirmation sent out
and click Pay by Mobile displayed

11

Parking facilities

The convenient alternative to pay-and-display

Loose change. Going back to the car to display a sticker. Running back to the car park
to pay for more time.

These are common irritations your customers face, and Tola’s mobile payment solutions
help you eliminate them. With Tola, you’re up and running quickly with a secure API
that lets customers pay for parking by entering in their mobile phone number. They can
complete the transaction securely in seconds, with the funds debited from their mobile
account and credited to you.

It works seamlessly with any phone and major network operators, helping you process
payments more easily while offering a better customer experience. Giving your
customers the freedom to quickly pay with their mobile phone, without using a bank
card.

User texts a keyword to the A HTML link is sent in Complete details
number for the car park a SMS

Enter PIN PIN sent via SMS

Payment Success screen SMS confirmation is sent
shown once payment is out

made

13

Insurance

Easy mobile processing for premiums and claims

Tola mobile payment solutions enable you to process premiums and deliver payouts
faster, helping you provide a better service while improving internal operations.

Using our platform, your customers can easily pay their premiums and submit claims
by mobile phone, without going through a series of cumbersome payment screens or
inputting tedious billing information. They simply enter their mobile phone number at the
payment stage and key in a secure PIN they get by SMS. Everything stays on your site
or app, and in your branding.

You therefore gain a competitive advantage by being an easy insurer to work with
and having a simple mechanism for reaching new customers in existing and emerging
markets.

Travel

Reach new customers with simple mobile payments

Think about Uber’s success – the taxi-hailing app is valued at $18 billion and has
disrupted the market with its mobile-based approach to travel.
Tola payment solutions help you capitalise on these lucrative market trends by catering
to an increasingly mobile-savvy audience. By offering your customers an easy way
to pay for travel on their mobile phones, you offer a better experience and gain a
competitive advantage. You also have access to African markets, where more people
have mobile phones than bank accounts – and have growing amounts of disposable
income to spend on travel.

15

Case Study:

APA Insurance Streamlines Premium
Payments & Claim Payouts with Tola Wallet

APA Insurance has partnered with the Kenyan government to provide cover to farmers,
helping encourage agriculture by protecting against low crop yields.

The premium is calculated based on metrics like acreage. Farmers pay 50% of it, and the government
covers the remaining 50%. After the harvest, farmers whose yield is below par can claim compensation
under their policy.

Requirement

Across 43 Kenyan counties, 1.84 million farm households don’t have bank accounts or credit cards, making
it difficult for them to pay premiums or receive payouts using traditional means. However, they do have
mobile phones, so APA wanted to offer mobile payments to connect with these customers.

The e-wallet solution needed to integrate easily with network operators in multiple African countries, as well
as with APA’s own systems. It had to include SMS messaging capabilities to make customer communication
easy. And it needed to have a simple way of managing bulk disbursements, so the scheme would be
manageable from an administrative perspective.

APA Insurance at a Glance

Goal Reach 1.84 million more unbanked customers by offering mobile payments

Tola Wallet Solution
•USSD integration
•SMS policy application, premium payment and claims requests
•Simple API for processing individual payments and bulk disbursements
•Streamlined integration with all network operators and internal systems

Benefits
•Up to 83% reduction in the cost of serving customers
•Faster processes for applying for policies, paying premiums and managing payouts
•Easier for customers to communicate with APA
•More operational automation for increased efficiency
•Complete payment traceability

Solution

We helped APA Insurance implement Tola Wallet, our e-wallet solution with USSD integration and SMS
messaging capabilities

Customers can now apply for a policy by texting relevant personal data to APA. Then, to pay their premiums
securely, they simply type in a one-time PIN they get via SMS. They can file a claim by SMS and receive their
compensation to their mobile wallet. They can also query their policy status, check their premium balance and
give feedback in real time.

With our simple API, we managed integration with all mobile network operators, banks and APA’s own
systems. The entire process is now automated, eliminating manual effort across the customer journey from on-
boarding and premium collection to claim management and disbursements.

This diagram illustrates this automation by showing the streamlined process for premium payments.

Spotlight On: Automated Premium Payment Processing

1. Customer pays via their mobile phone, using funds in a mobile
wallet or bank account

2. Payment notification goes via the network operator to the
Tola Hub

3. APA receives the payment and credits the customer’s account
4. APA sends the payment status to Tola
5. Tola pushes the payment status to the customer
6. Customer receives an SMS with the payment status

Results

APA is no longer limited by manpower, with field agents going to farmers and farmers then having to visit
branches and wait for forms to process manually. There’s a seamless and secure connection between network
operators, Tola Wallet and APA’s systems, so payments and disbursements process automatically with full
traceability.

At the same time, customers get a superior service. There are fewer barriers to policy application because they
can do it instantly by mobile – plus they get SMS confirmation if their application is successful, so there’s less
waiting and uncertainty. Because it’s easy to send and receive funds, farmers can start drawing part of their
policy immediately if they need access to insurance for their farm produce urgently. And they can top up their
cover by text without signing additional paperwork and with minimal admin on APA’s part.

As a result, Tola Wallet helps APA scale easily and manage costs – we estimate the cost of US$30 to serve 17
a customer at a branch, whereas with the mobile solution it falls to US$5-10. And APA benefits from these
savings while fostering stronger customer relationships and contributing to local economies.

Case Study:

Simple Mobile Payment Boosts Conversion
Rates for Online Magazine Company

Buymymag.co.uk gives customers access to over 5,000 magazine titles from a single portal.
The company wanted to offer a mobile payment option to make it easier for customers to
make purchases.

Requirement

Buymymag.co.uk needed a flexible mobile billing solution that could handle a range of products and services,
as well as one-off purchases and subscription billing. In addition, the company wanted the mobile payment
provider to have an eMoney licence and be able to get the solution up and running quickly.

Solution

Tola MobilePay exceeded all Buymymag.co.uk’s requirements. Importantly, MobilePay was one of the few
solutions from an FCA Authorised Electronic Money Institution, and that eMoney licence makes it easy for
Buymymag.co.uk to comply with relevant regulation without having the hassle of partnering with a traditional
bank.

The MobilePay solution was easy to implement within budget, and, crucially, gives the company the ability to
scale as it incorporates new products and gained new customers.

It’s also flexible, so it’s simple to incorporate bespoke payment flows. Customers can pay for individual
magazines or subscriptions simply by entering their mobile phone number and completing a short SMS
verification, charging the purchase to their mobile phone account or using prepay credit.

And the customer journey is seamless. With MobilePay, the consumer stays on the Buymymag.co.uk website and
the entire payment process stays in the company’s branding – there are no hosted pages, redirections or iFrames.

Thanks to the Tola solution, the company’s conversion rates have improved markedly.

“The Tola team have a very in-depth knowledge of mobile payments and are very easy to engage with during
the different integration phases. We look forward to working with Tola as we continue to enhance our mobile
commerce product development and the billing options available to our customers.”

Case Study:

Tola Accelerates Time to Market and
Simplifies Management for Tanzanian Sports
Betting Company

Mkakabet is an online sports betting company operating in Tanzania. All customer payments are
by mobile, so an efficient mobile payment solution is crucial to the business’ success.
Requirement
Tanzania has 3 major mobile network operators, but Mkakabet wanted to manage all mobile payments
through a single solution instead of having separate APIs for each MNO. It needed to implement the solution
quickly because the business was growing so fast, and it needed to be scalable to accommodate international
expansion with different MNOs.
Solution
Mkakabet chose Tola Wallet because it connects with all MNOs and delivers a quick integration. We also dealt
directly with the MNOs on the company’s behalf to save staff time and get new products to market rapidly.
Having a single point of contact through Tola makes ongoing management easy while ensuring that any issues
with one MNO don’t affect the service customers on other networks receive.
As a result, Mkakabet has a single, stable mobile payment platform that allows staff to track all deposits and
withdrawals – and ensures customers enjoy a seamless experience.
“Mkekabet offers real-time interactive betting, with Tola Mobile providing the billing solution – a seamless
transfer of funds between merchants and mobile wallet subscribers in Africa. We are extremely happy with the
level of service and digital offering; without Tola we would not have a business.
If you wish to have both lodgement and disbursement methods of payments through mobile money, Tola ensures
a smooth process. They get what could be a major headache dealing with multiple suppliers out of the way very
quickly, enabling any company to focus on the rest of their business priorities.”
Darren Glover, Mkekabet

19

Mobile Payments made simple.

Tola HQ
12th Floor, Lyndon House

58-62 Hagley Road
Birmingham B16 8PE

Telephone
0808 131 4000

Email
info@tolamobile.com

www.tolamobile.com