FinovateEurope 2015 / LockByMobile

Presenter Profile:

How they describe themselves: Smart e-Money is a PCI-DSS certified entity and a wholly owned digital financial solutions subsidiary of Smart Communications, the largest network in the Philippines with more than 72.5M subscribers as of September 2013.

With over 10 years of experience, Smart e-Money pioneers mobile banking and mobile wallet services, implementing a proprietary mobile commerce infrastructure that spans various products and services across different market segments. It provides opportunities for financial institutions to introduce their services to unbanked customers including anti-fraud security solutions. It also provides opportunities for mobile network operators to expand the range of products available to their customers.

How they describe their product/innovation: To address the potential breach in credit card or ATM security, LockByMobile provides an additional security layer for cardholder accounts such as credit, debit, ATM and prepaid cards, or even electronic wallets. It empowers cardholders to take control by “locking and unlocking” their accounts in real time using their mobile phone. Furthermore, the service offers granular settings such as locking specific channels (point of sale, online, mobile, or ATM), or transaction settings (amount and merchant types), as well as limiting the transactions to certain countries and currencies.

LockByMobile’s concept comes from the Lock/Unlock feature of Smart Money, winner of the ‘Best Mobile Security Feature’ award in November, 2009 GSMA in Barcelona.

Product distribution strategy: Direct to Business (B2B), through financial institutions


Bus. Dev.: Guillaume Danielou, Senior Product Manager Innovation,, +63 9985559391
Press & Sales: Angelito Villanueva, VP & Head of Innovation,, +63 9989756671

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