<i>Accumulate launch an update of its comprehensive mobile payment solution that
gives issuers of mobile payment services a fast track to the market. The
solution covers all payment situations and supports any mobile handset, any
mobile network and any pairing technology (NFC, OTT, QR, barcodes, etc.).</i>

<b>Mobile
World Congress, Barcelona – 27 February 2013 – </b>At this year’s event in Barcelona, Accumulate
launch a fast track to mobile payment with a new packaging of its award winning
mobile financial services platform, Mobile Everywhere (ME). Accumulate’s
solution is technology independent and supports all major mobile platforms, all
mobile networks, all mobile network operators and all pairing technologies.

<b>The Accumulate Mobile Payment Fast Track Pack
includes:&nbsp; </b>

• Customer
  branded mobile payment service
• Covers
  all payment situations; POS, online, man-to-machine, person-to-person, in-app.
• Pairing
  via OTT, NFC, typing, QR- or barcodes
• Mobile
  thin security client app for Android, iPhone, Blackberry, Java and Windows
  Mobile/Phone.
• Project
  setup, including installation and configuration.
• Interoperability
  with Pera Mobile, the global technology standard for mobile payment
• The
  use of existing payment eco-system for clearing/settlement of transactions.

Using the same technology platform and the processes and methods, customers
can easily extend their mobile offer and enable services like mobile
authentication (secure login and signing), mobile banking (full channel for all
banking services),&nbsp; mobile eID and other
services like ticketing, loyalty, coupons, gift cards, vouchers, etc.

”Our solution is
proven, has best in class security, is third party technology independent and
is easy to use. The technology and the unique processes and methods included,
give payment service issuers a cost effective short cut into the mobile payment
arena”, says Stefan Hultberg, CEO of Accumulate. &nbsp;

Customer references
include large banks, mobile network operators and large brands around the around
the world.

<b>More information</b>

Lars Aase,
+46&nbsp;70&nbsp;144 1822, lars.aase@accumulate.se.

<b>About Accumulate</b>

Accumulate is enabling the next generation of mobile
payments with a solution that covers all payment situations along with the
utmost security and flexibility. Completing the sales offer with a
comprehensive portfolio within mobile banking and mobile security makes
Accumulate a leading actor in the world market for mobile financial services.
For more information please visit www.accumulate.se.
_____________________________________________________________________________

<b>About the
Accumulate offer</b>

Accumulate is the perfect
technology partner when enabling secure mobile financial services.&nbsp;

Below is a short intro of the MFS and mobile security platform. This short film
shows example use of the ME-platform, for a service that covers all payment situations,
&nbsp;http://www.youtube.com/watch?v=XTwg7eDXMU.

With ME all mobile
financial services (mobile payment and mobile banking) and enterprise mobile
security services are enabled using ONE platform. &nbsp;A partnership with
Accumulate enables the customer to offer a wide range of branded services and
products:

• <b>Mobile payment</b> – covers all payment situations like POS (including NFC),
  person-to-person, online, man-to-machine (ex. vending, parking), mCommerce,
  in-app purchase, remittance, etc.
• <b>Mobile banking</b> – secure mobile channel for ALL informational and transactional
  services&nbsp;
• <b>Mobile security</b> – mobile as secure token for login and signing on VPN’s,
  Internet/Extranet, secured web pages and eID.
• <b>Other services</b> – e.g. ticketing, mTolling, mParking, coupons, gift cards,
  loyalty and membership points, etc.
• <b>Online card security</b> – example, use the mobile for 3D-Secure, one-time credit card,
  switch card on/off, etc.

When using the Accumulate
platform customers deploy their services fast and easy. Adding/changing
services are easy and without having the end user to re-download, reinstall and
reactivate their mobile application.

Also see latest news at:&nbsp;http://www.mynewsdesk.com/se/pressroom/accumulate.

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