Vipera Regulatory News (VIP)

FOR IMMEDIATE RELEASE: 17 December 2014

Vipera Plc and Equens SE launch innovative mobile banking card control application for leading German banking group

London, England: Equens the first pan-European, full-service payment processor andVipera Plc, the cutting edge provider of mobile financial services and digital customer engagement solutions, today announced the launch of a mobile banking card control application for a leading German banking group, the first of such kind following the partnership formalised by the two groups earlier this year.

The App will provide the customers of the Bank with a dynamic range of bank and credit card management capabilities direct on their smart phone and represents a significant leap forward in the range of functionalities commonly available in the market place.

The Bank's customers can now enjoy real time updates on all of their transactions allowing them connectivity to their card purchases and ensuring effective fraud management. In addition, users will be able to view their spending by category, see available credit line by card and be able to lock or unlock their cards for general use, internet use and use abroad, really putting them in control of their cards and giving them complete fraud protection in real time.

At the heart of this exciting new capability is Motif, under licence to Equens. Motif is Vipera's proprietary dynamic engine which powers the mobile app with realtime transaction data enabling application connectivity in an instant for all users worldwide.

"We are very proud to be part of the service Equens is now providing to the Bank and enabling such a powerful application for the Bank's customers. Vipera and Equens have produced a truly innovative application which will enhance user experience and give them even greater control and insight into their finances. From card and fraud management to personal financial control and the possibility of contactless payment through a single digital wallet, this new App is truly market leading." stated Vipera co founder and CEO Marco Casartelli.

"This first fruit of our new partnership with Equens further reinforces Vipera's position as a growing provider of mobile financial services. Our common mission is to ensure that future mobile payment technologies are as easy, simple and secure as card-based transactions are today and with the launch of this new App we are beginning to see delivery of exactly that." added Casartelli.

About Vipera

Vipera Plc (AIM:VIP) a cutting edge Mobile Financial Services and Digital Customer Engagement Solutions provider, serves financial institutions worldwide with differentiated mobile banking, card management and customer engagement capabilities based around its proprietary multi purpose platform, Motif. Headquartered in London and Milan, Vipera supports millions of end user financial applications for it's top tier bank customers worldwide.

About Equens

Equens SE is the first pan-European, full-service payment processor. As one of the largest payment processors in Europe, it leads the market for future-proof payment and card solutions. Thanks to an extensive and competitive range of services, the company seamlessly meets the requirements and wishes of the European payments market. Equens supports the development of a single, uniform European payments market (SEPA), and is dedicated to the standardisation and harmonisation of European and global payments. With clients and partnerships in multiple European countries, it offers pan-European market coverage from offices in five countries - the Netherlands, Germany, Italy, Finland and the United Kingdom. With an annual processing volume of 10.6 billion payments and 4.6 billion POS and ATM transactions, Equens SE has a European market share of more than 12.5%.

For additional information on Equens, please visit www.equens.com

Additional context & note to editors

End user key benefits

• A single app controls cash expenses, card expenses and accounts expenses 

• Real time in-app alerts on transactions 

• Auto-learning expenses categorisation logic supporting smart personal financial management

• Re-booking feature enabling more personalised expense tracking (e.g. category over-ride by user)

• Budget settings and alerts on over-budget, by category

Motif platform benefits

• Motif is the platform of choice for many leading banks fort hosting their card solutions, currently providing 3 key features: digital wallet, PFM and NFC payment

• Motif is fully integrated with all payment platforms and transaction data streams including Visa, Mastercard and all major German banks (through the FinTS/HBCI German protocol)

• Motif is an open and scalable architecture supporting a number of additional financial services such asPeer2Peer, Cloud Based Payment and analytics based loyalty