OUR VALUE PROPOSITION: Gone are the days when the mobile phone was merely a telecommunication device to place or to receive a call. In recent years, the mobile phone operators view their products less as phones and more as platforms for services and features. Mobile phones have become sophisticated gadgets incorporating multiple facets: digital music, videos, 3-D video games, location-based navigation, Internet browsing, camera etc. Harex Ubiquitous Mobile Payments Service helps you offer your customer a mobile wallet! The Harex UMPS is a proximity payment system based on NFC technology which enables financial transactions on the mobile phones, regardless of the time and location. With the demand USIM equipped 3G phones taking the market by storm, it won’t be long before all the mobiles will be 3G. This has created large business opportunities for personalized Over The Air technology based USIM services. Harex’s strength is its expertise and its patented Over The Air technology applications gives the flexibility of this services being issued and used easily and securely at any place and any time. This has helped Harex be the sole player in the South Korea market and win partnerships with all the renowned mobile operators in South Korea namely SKT, KT & LGT. Harex offers you a way to extend scope of your services, increase revenues by new business opportunities, win the loyalty of your customers & expand market share. Harex UMPS empowers you to provide debit, credit, prepaid, insurance, security, identification, loyalty and transport card products to the customers on their NFC enabled mobile phones. The mobile phone will become a trusted secure indispensible device for the users and open new avenues for mobile operators by introduction of innovative versatile applications. BENEFITS: Greater Revenue: Adoption of Harex UMPS will open new revenue opportunities. Various applications and transactions can be used to design new revenue models. Customers will carry their mobile phone everywhere they go so the usage will increase. Expanded Marketshare: This feature will add great value to your customers’ life and will help attract new customers and increase segment size. Customer Loyalty: It will add value to the customers experience and thus will lead to happier and more loyal customers. It will bring you closer to your customer and will enable you to offer them new services and schemes which can be accepted and downloaded at the click of a button. Eazy & Secure Application Provision: Harex’s patented Over The Air technology application gives the flexibility of this service being issued and used easily and securely at any place and any time. The applications can be downloaded and accepted wirelessly without the customers needing to come to a particular service center. This allows greater acceptance and easier market penetration. You can now manage the customers’ cards remotely and in real-time making it cost effective and easy to implement. Expertise: Harex Infotech is the pioneer in the field of Ubiquitous Mobile Payment Service Technology with the world’s first commercialization of the mobile card payment to its credit. The three renowned mobile operators in Korea (SKT, KT & LGT) are major stakeholders of Harex and Harex enjoys monopoly in the South Korean Market. At Harex, we are dedicated to ensuring a high level of satisfaction among our customers and partners. So lets transform those mobile phones into indispensible mobile wallets!