Solutions End-to-End Shopping, Advertising and Payments Application Platform PAYMENTS Transactions ≥ $10 cost a flat ten cents, < $10 are Free Back-end processing on in-house, isolated platform Front-end is tokenized with multi-factor authentication Interoperable with all POS, banks and payment methods SHOPPING Save time and money, shopping is made easier Ads, specials and coupons based on your preferences Find and scan items, running basket total, self-checkout Financial data is secure and never shared with retailers RETAILING Reduce transaction fees and eliminate costly data breach Shopper transactions paid instantly with collected funds Faster checkout, instant digital coupon settlement Increase customer loyalty, basket spend, net earnings ADVERTISING Beacon-free locationing; all retail stores can receive ads Shopper specific ad delivery utilizing predictive analytics Shopper decision-making and ROAS transparency Real-time shopper data and ad campaign metrics BANKING Mobile deposit, account transfers, balance check, etc. Automated cash-back deals with merchant partners Manage notifications for low balance, settlements, etc. Cardless ATM withdrawal, deposit and balance check