Released to market 12 months faster than originally projected
Success Story Financial Services
DailyUse Mobile Wallet Gets to Market Ahead of ScheduleApexon delivers on all requirements of the banking platform-as-a-service 
DailyUse provides consumers with a user-friendly mobile wallet designed to take care of everything they need every time they leave home.
In order to succeed, DailyUse had to ensure the solution met several critical requirements, without delaying its launch date. Apexon worked with DailyUse beginning in 2014 for over two years developing a payment platform that delivered on all of the capabilities of a secure mobile wallet while meeting the needs of banks, credit card issuers and retailers, and ensuring end-user acceptance.
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Founded in 2013
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Provides all-in-one payment and wallet solutions platform based on NFC technology for smartphones
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2016 Mobile Star Awards Winner
THE CUSTOMER JOURNEY
- Mobile Payment
Processing App solution
- Advanced Mobile Payment Processing App solution
- Mobile Payment Platform (HCE based)
- Coop App – HCE
- P2P App
the Results
Key Outcomes
Faster
Time-to-Market
Time-to-Market
Platform
Flexibility
Flexibility
Support for all preferred payment methods; built to accommodate each bank and retailer’s unique needs
Value-Added
Services
Services
Enabled banks and retailers to incorporate value-added services of their own such as loyalty programs and couponing
Easy
Integration
Integration
A single, comprehensive, and multi-channel cloud-based payments system integrated easily with existing payment infrastructure
Go Digital
Accelerating the delivery of new digital initiatives with confidence
Be digital
Creating the infrastructure and foundation to scale digital initiatives
Enable digital adoption in a quick, and agile manner
Apexon created a comprehensive development roadmap to ensure the DailyUse mobile payment platform would work on leading mobile platforms and operating systems.
It was delivered one year ahead of schedule.
Build digital infrastructure and foundation for enterprises to scale
Apexon connected the DailyUse app with Visa, MasterCard, and BankAxept infrastructure for point-of-sale and payment processing, and BankID for Bank Information Authorization.
DailyUse had a single, comprehensive and multi-channel cloud-based payment system that integrated easily with the existing payment infrastructure.
Leverage data engineering to make strategic decisions and get digital right every time
Apexon set-up DailyUse to offer banks, mobile operators and retailers their own branded mobile wallet without having to build it themselves.
Apexon made sure DailyUse had enterprise-level security controls in place, while making the app easy to use.
The challenge
To satisfy requirements & easy App use
DailyUse came up with the concept of delivering the complete technology solution and expert installation needed to enable secure, private-label and white-label NFC contactless payments for credit card issuers, retailers and consumers worldwide. As with any new banking-related technology, DailyUse had to satisfy several ecosystem requirements – while ensuring the app was easy to use.
These included:
Aggregation
The ability to connect all the different constituents and systems in the payment ecosystem; e.g., smartphone users, network operators, credit card issuers and retail point-of-sale – to the DailyUse technology infrastructure
White-Label
The flexibility to offer banks, mobile operators and retailers their own branded mobile wallet without having to build it themselves
Platform Compatibility
The ability to work on both Android and Windows while also supporting different global platform specifications of TSM and iOS combined with BLE
Enterprise Security
The capability to extend enterprise-level security controls to mobile devices
Ease of Use
Requiring only a passcode or a fingerprint to securely access the wallet at the Point-of-Sale
The Solution
Working as a team with our partners
Apexon helped DailyUse develop a platform-as-a-service for contactless mobile payments.
The engagement included:
A comprehensive development roadmap for the DailyUse mobile payment platform for both Android and Windows platforms
The use of open source technologies to integrate with banks and Oberthur Technologies Trusted Service Manager (TSM-SP)
A proxy agent interface for secure elements managed by mobile network operators and embedded secure elements by OEMs (Samsung)
Connections with Visa, Mastercard, BankAxept infrastructure for point-of-sale and payment processing and BankID for Bank Information Authorization
Extension of various enterprise access control security systems to mobile
E-commerce capabilities for national scheme BankAxept and Masterpass
With Apexon leading development of the new mobile payments platform, DailyUse was able to get their solution to market twelve months faster than anticipated. The result was a flexible, responsive, and secure app that lived up to the mobile wallet promise.