Case studies

Read about our customised solutions below.





Banks

Banks MNO's Retail

The Accumulate solution is built on a secure foundation, and offers an overall flexibility in order to meet future demand. Accumulate gives Financial Institutions the opportunity to utilize one core platform that can deliver all types of services to the user in one application and under seamless processes



Mobile Payments - POS, online, m-commerce, person-to-person, remittance, man-to-machine, in-app, mobile Merchant applications, etc.
Mobile Banking - Traditional informational services and all transactional services such as intra/interbank transfers, bills payment, stock-fund trading and more.
Others - Secure login, digital signatures, e-ID, 3D-secure, card security.

User integrity along with all services, security measurements and interaction with third party systems is managed from the server side, resulting in great flexibility to provide on-demand services, branding, graphics, configurations and more.

Overall benefits

* Proven and certified security foundation
* Control of business model, customer data and transactions
* Quick time to market
* One platform for all types of services
* Capture new transaction contexts
* Low TCO
* Increased competitive power

Case studies financial institutions

PKO Bank Polski, Poland


Solution area: Mobile payment & mobile banking

Solution provided to customer: A full mobile payment service covering all payment situations and more. It is one of the first and largest mobile payment initiatives in Poland and will set a technology standard on the market. The base is Accumulate's ME and Pera Mobile, providing a fast track to secure and flexible mobile payment services. Initial mobile services are POS, web, P2P, money vouchers and card-less cash withdrawal from ATMs.

Launched: March 2013


Borica Bankservice, Bulgaria

Owned by the central bank and 27 commercial banks in Bulgaria

Solution area: Mobile payment

Solution provided to customer: Setting a technology standard for secure and innovative mobile payment services on the Bulgarian market. The base is Accumulate's Card Overlay solution that provides a fast track to secure and flexible mobile payment services. Initial mobile services is transaction history, balance and a card switch on/off followed by mobile payment at POS using one or more cards in the background.

Launched: October 2013


NCB, Middle East



Solution area: Mobile banking

Solution provided to customer: A full mobile banking service solution based on the ME security platform. Including dynamic market messaging/advertising services and ATM cash withdrawal using the mobile.

Launched: August 2012


Marginalen Bank, Sweden



Solution area: Mobile security

Solution provided to customer: Secure login for all customers to the banks Internet bank. Accumulate's ME platform is used and its mobile security client app act as the security token, very easy to use and more secure than hardware tokens.

Launched: February 2012





MNO's

Banks MNO's Retail

Accumulate provide Mobile Network Operators with a competent solution that deliver a fast track to mobile payments, without compromising on neither security nor the User convenience.



Others: Loyalty, coupons, gift cards and more.
Information services: transaction history, balance statement, invoices, etc.
Mobile Payments: POS, online, m-commerce, person-to-person, remittance, man-to-machine, mobile Merchant applications, etc.


Overall benefits

* Quick time to market
* Easy integrations to existing systems
* One platform for all types of services
* Enter a growing and potentially huge market
* New revenue opportunities
* Expand the existing service offer

Case studies Mobile Network Operators

4T/WyWallet is a JV between the four largest MNO's in Nordics (Telia, Tele2, Telenor and 3/Hutchinson)

Solution area: Mobile payment service branded WyWallet

Solution provided to customer: A 360 degree mobile payment solution based on the ME security platform for POS, online, person-to-person, and vending machine payments. Integration to MNO's account system. Top-up of account directly from mobile app.

Launched: June 2012





Retail

Banks MNO's Retail

Accumulate takes online transactions mobile and provides large brands & retailers with an opportunity to compete with traditional participants in the payment scheme.



Information - Transaction history, balance statement, invoices, etc.
Mobile Payments - POS, online, mCommerce, person-to-person, remittance, man-to-machine, mobile merchant applications, etc.
Other - Loyalty, coupons, ticketing, gift cards and more.


Overall benefits

* Quick time to market
* Easy integrations to existing systems
* One platform for all types of services
* Gain fast market share
* Increase revenues
* Expand the existing service offer
* New revenue opportunity

Case studies Retail

Shell

Solution area: Mobile payment/loyalty

Solution provided to customer: A 360 degree mobile payment solution based on the ME security platform for POS, online, person-to-person, and vending machine payments. Integration to MNO's account system. Top-up of account directly from mobile app.

Launched: March 2013

PayPal

Solution area: Mobile payment

Solution provided to customer: Mobile payment/loyalty services. Tap mobile at cashier to receive points. Examples of mobile services are; points account including balance, transaction history, offers, marketing in-app and information services like "find station".

Launched: August 2011



Accumulate AB

Accumulate was founded in 2004 with the vision “Always connected everywhere”. Today, over 400 Million applications have been delivered and deployments based on Accumulates technology can be found in 20+ countries.

Accumulate is headquartered in Stockholm, Sweden.

Accumulate AB

Box 7722

103 95 Stockholm

SWEDEN

info@accumulate.se

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