<i>PKO Bank Polski has launched
IKO, the first and largest commercial rollout of a mobile payment service that
covers all payment situations. The IKO service is based on Accumulate’s mobile
financial services platform ME and Pera Mobile. </i>

<b>Stockholm,
Sweden – 14 March 2013 – </b>PKO
Bank Polski has launched IKO, the first mobile payment service that covers all
payment situations. The roll-out includes all Bank’s ATMs and ultimately more
than 65000 POS terminals of eService, the Bank`s daughter company. From start IKO
supports:

• Point
  of Sale (POS) – pay in store, at restaurants, etc. (including future support
  for NFC)
• <img>Online – pay at online stores
• P2P
  – real-time money transfer person-to-person to beneficiaries identified only by their
  telephone number
• Cardless
  cash withdrawal from ATMs
• Money
  vouchers – offline timed vouchers for shopping payments and ATM cash
  withdrawals
• Account
  balance, transaction history and other mobile bank services

”The possibility of paying by a telephone creates brand new quality
regarding convenience, availability, as well as meeting of customers`
expectations. Combination of banking and transactional functions in one device
is a real breakthrough. We are pioneers in mass mobile payments in Poland, and
this proprietary solution has realistic chances for becoming a local mobile
payments standard in the European market”, says Piotr Alicki, CIO at PKO Bank
Polski.

The IKO mobile payment service is available for PKO customers and at the service
launch available on Android and iOS
systems (ultimately also on BlackBerry, Symbian, Java and Windows Phone).

The mobile payment service is based on Accumulates mobile financial
services technology platform, Mobile Everywhere (ME) and Pera Mobile, the
global open technology standard for mobile payment. The basic solution have
been customised and functionally extended within PKO Bank Polski`s project,
thanks to the support of HP and Accumulate. With the ME platform ALL mobile
payments, mobile banking and mobile security services can be enabled using ONE
platform. More services like mobile ticketing, loyalty, coupons and gift cards
can easily be added to mobile service based on Accumulates technology.

Accumulate’s partner HP is responsible for the full project at PKO,
from requirement and specification, to the implementation, system integration
and development of the banks backend systems.

”We are of course
very proud and this is great news and yet another example of how our
technology, processes and methods enables attractive, secure and easy to use
mobile payment services. With IKO mobile payment users now get a secure, fast
and easy to use alternative to cash”, says Stefan Hultberg, CEO of Accumulate. &nbsp;

<b>More information</b>

Lars Aase, +46&nbsp;701&nbsp;44
18 22, lars.aase@accumulate.se
Elzbieta Anders, +48 22&nbsp;521 84 50, elzbieta.anders@pkobp.pl
<a href="http://media.pkobp.pl/press-office/press-releases/products-and-services/pko-bank-polskis-mobile-revolution/">PKO
BP press release</a>

<b>
</b>
<b>About PKO Bank
Polski</b>

PKO Bank Polski is a Polish banking sector
leader. Its consolidated net profit for the year 2012 totalled PLN3.75 billion.
It is a Polish company with the highest value of free-float shares on the WSE.
The bank has been regularly recognised in prestigious industry rankings. The
Polish Accountancy and Tax Institute honoured the PKO Bank Polski Annual Report
for the Year 2011 with the Grand Prize in The Best Annual Report competition,
in the Banks and Financial Institutions category. It has now been the winner in
that category for the second consecutive year. &nbsp;PKO Bank Polski also
received the Grand Prize in Bank monthly’s ranking of the 50 largest banks in
Poland for 2012: among others, for growth rate of its balance sheet total and
its overall market activity. Also, Gazeta Bankowa awarded the Bank for the
highest performance in its category. PKO Bank Polski once again came out the
winner in the survey of call centres of banks carried out by ARC Rynek i
Opinia. PKO Bank Polski is also the country’s strongest image bank. It retains
the position of the highest worth brand in the Polish banking market according
to the prestigious The Banker magazine, which assessed the PKO Bank Polski
brand value at USD1.25 billion. The Most Valuable Polish Brands Ranking 2012 of
the Rzeczpospolita daily listed the PKO Bank Polski brand as the most valuable
one in the finance category; its worth set at PLN3.72 billion. PKO Bank Polski
is also the highest value domestic bank in Poland; this according to the Newsweek
magazine’s ranking of the 100 most valuable companies. Philanthropic activities
of PKO Bank Polski met with recognition of the Academy for the Development of
Philanthropy in Poland, which granted the bank and its Inteligo Financial
Services the Benefactor of the Year 2010 statuette, and of the Polish Donors
Forum, which granted the bank the Special Award for its longstanding and
consistent support of public interest causes. A ranking based on an opinion
poll of students has recognised the bank as one of the best employers of the
banking sector. This high position achieved by bank in the employer category
has been further confirmed through the surveys carried out among students of
Poland’s best universities by the international Universum Global and AIESEC.
Please visit the web site at http://www.pkobp.pl/.

Pressreleasen kommer från: Newsdesk