Professional Documents
Culture Documents
2006_2007
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General Information
20, rue moussa Bnou Noussair 20000 – Casablanca -
Headquarters
Morocco
M2M Africa – Casablanca - Morocco
Full-time 169
Number of employees
Part-time 0
With more than 220 references in over 40 countries worldwide, M2M Group is a leading international
provider of secure e-transactions processing solutions.
Through its software products, system integration services and Outsourcing solutions, m2m group
delivers world class solutions that help financial institutions, retailers, payment processors, governmental
organizations, service providers and network operators reduce costs, eliminate fraud, improve process
efficiency, maximize services delivery and increase profitability
M2M Group has 5 world subsidiaries and takes advantage from a large network of channel partners across
the globe.
M2M Group is listed in the Casablanca Stock Exchange under the Ticker M2M Group.
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M2M Group References
M2M Group features a large, diverse and highly selective Client Base.
Our clients are large financial institutions, processors, telecom operators, retailers, governmental
agencies and public administrations. They use our solutions to manage innovative services of greater
diversity and to process higher transactions volumes across more platforms and geographies.
Today more than 220 organizations in +40 countries have selected M2M Group’s solutions to their
competitive edge based on performance, time-to-market, conviviality and innovation.
A selection of private and public organizations that are successfully running M2M Group
technologies and services:
Ministère du Transport
Morocco 2007 www.mtpnet.gov.ma
Keshavarazi Bank
Iran 2004 www.agri-bank.com
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France 2003 www.nice.aeroport.fr
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Moroccan Ministry for Equipment and Transport
www.mpnet.gov.ma
Project Scope:
Implementation, deployment, financing and maintenance of the national
program of electronic driving Licences and vehicles registration cards
January 17th, 2007: the consortium made up of m2m group, Sagem Security and in which intervenes a large
investment bank, ATTIJARI Capital Risk won the program. On Sunday 18 February, 2007, the concession
agreement was signed by the Moroccan Finance minister, the Moroccan transport minister and the
representatives of the consortium.
“The m2m group and Sagem Security consortium proposal was considered to
be better on both technical and financial levels” raises the Press Release
published on January 26, 2007 by the Moroccan transport ministry. “On the technical level, the system
implementation strategies are differentiated by a higher level of commitments and quality in terms of the
existing documents replacement strategy and the global equipment of the immatriculation centers, the
personalization center, the central site and the back-up center, enhanced by the large multi-applicative
openings offered by the system and which aim to modernize public services” underlines the same press
release.
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Algérie Poste – Algeria
www.poste.dz
Project objectives:
1. Implement a complete chip-card based EFT system for the largest financial services group in
the country: 3500 branches and 8 million customers
2. Ensure Secure Management of Issuance, Acquiring and e-business activities across a large
ATM banking and POS services network
Algérie Poste, Algeria’s largest savings bank and post services network with an 8 million-customer
base and more than 3500 branches nationwide, chose m2m group expertise to build its entire e-
payment processing chain. The U-payment system called SYMAP went live in October 2005.
Through the system, built around MAGIX™ and set up by m2m group’s experts, the holders of Post
office Saving Accounts can perform various automated interbank transactions such as purchase and bill
payments, statement request, funds transfer and chequebook request in addition to cash withdrawal on
900 ATMs installed across the 48 country departments, mobile payment operations and phone top-up .
By leveraging MAGIXTM large functional capabilities,
Algérie Poste manages to reach outstanding levels of
reliability, to modernise its core banking structure and to
raise the standard for consumer banking in Algeria.
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AttijariWafa Bank – Maroc
www.attijari.com
AttijariWafa Bank is the leading banking group in the Maghreb and one of the TOP 10 banks in Africa.
AttijariWafa Bank is the product of a mega-merger in 2004 between Wafabank and BCM. During the
merger, m2m group is appointed as the technology partner of this strategic alliance and ensured a
successful total migration of the two mergering organisations towards a single platform based on the
MAGIX™.
m2m group has successfully led the global EMV migration process of AttijariWafa Bank e-payment
platform.
The large-scale migration was accomplished in January 2007 with the successful certification of both
acquiring of payments and withdrawals along with the EMV issuance. The process supports also the
personalisation of smart cards and the post-issuance of new applications to card schemes.
By using the functional diversity of MAGIX™, AttijariWafa Bank benefits since 1996 from a global and
centralised Multi-Bank platform enabling it to:
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BMCE Bank Group– Morocco
www.bmcebank.ma
Project scope
One of the largest and most innovative e-payment services portoflolio in Africa:
EMV-compliant payments, Utilities Payment, Phone top-up, Prepaid products and Loyalty
programs …
1. Set-up of a secure e-payment processing solution which Full-EMV, multi-partener and multi-
country
3. Delivery of a wide spectrum of added-value services : phone Top-up, bill payment, youth
cards, travel cards …
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National Bank of Egypt (NBE) – Égypte
Founded en 1898, 4th in Africa and one of the TOP 200 banks in the world
www.nbe.com.eg
Î To achieve its goal of being one of the world's most admired financial service organisations,
National Bank of Egypt needed a new approach to support its business systems and to introduce
enhanced online services targeted to increase customer satisfaction.
Project :
To develop, integrate and operate a global plateform in compliance with
EMV standard and at fore front of multi-applications technology
2. A secure management of Visa and MasterCard cards (a portfolio of 30 card product) : credit
cards, debit card and Co-branded (VSCD and M-chip)
3. Implementation of innovative applications on POS (Prepaid, Bill Payment, Top Up, Loyalty,
Travel, youth card, Cash Back…)
Optimize timre-to-market delivery through innovative online services : phone top-up, Bill
payment, prepaid products, discount cards, travel cards, youth cards...
Operate a secure management of its Visa and MasterCard (EMV) cards line-up composed of
thirty card product including credit cards, debit cards, prepaid cards and Co-branded cards
(VSCD and M-chip).
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Nice Côte d’Azur Airport – France
www.nice.aeroport.fr
Project :
Delivery, Integration and Implemention of the 1st airport loyalty program
based on biometric chip cards in Europe
1. setting-up the 1st European Airport Program based on biometric chip cards for identification,
authentication and loyalty enhancements purposes
2. Based on Biometric recognition, Club Airport Premier aims to à sécuriser l’accès aux zones
privilégiées, à mieux connaître le client-passager et à offrir à chaque passager des avantages
personnalisés et un service irréprochable toujours à l’écoute de ses besoins.
Built around MAGIX™, Club Airport Premier is a rich, totally secure and
easy-to-use programme. Indeed, by simply inserting the Club Airport
Premier card into the terminals installed in boarding lounges and placing
the index finger on the scanner pad, the holders of Club Airport Premier
Card get instantly access, with no chance of mistake and no code to
remember (or to forget!) to a huge host of privileges. With a so simple
functioning, Club Airport Premier members earn points on a 100points-
scale and benefit gradually from membership privileges each time they
fly from Nice.
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CSOB – Tczech republic
Tczech republic’s major Interbank transaction processor
www.csob.cz
Projet :
Setting-up an EFT solution for the Czech Interbank Payment Processor
1. Management of accquiring and issuing activities for both magnetic and chip national and
international cards
3. Delivering high performance and continuous availability to the national switch member banks,
given the fast growth in ATM and POS transactions.
CSOB is today the major processing center inCzech Republic. It processes a transactions volume of
over 700.000 transactions par jour avec des pointes atteignant 1.000.000 de transactions/jour.
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MAATCARD - Luxembourg
www.maatcard.com
Projet :
Developing, delivering and operating a platform for the end-to-end
management of MAATCARD.
Based on MAGIX™ platform, this unique and universal payment system will widen the use scope of usual bank
card to new services thanks to its remote and contactless operation mode as well as to the coexistence on the
same support of diverse applications of payment, customer loyalty
management and distant access to a highly secure platform of
services. The MAATCARD solution is EMV compliant and has
officially received the approval of the Bank of Central African
States. Its initial deployment is due in Cameroun and Senegal in
March 2008.
ATM withdrawals,
Payment operations,
Instant money transfers,
Phone top-up,
Remote Bill payments,
Internet payments,
Subscription to multimedia services (PayTV, VoIP…)
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Mauritius Post and Cooperative Bank - Ile Maurice
The leading player in Mauritius bank business in terms of market innovation
www.mpcb.mu
Project :
A totally secure integrated e-payment processing platform
MAGIXTM, provides MPCB with a powerful and fully integrated solution to handle a large range of
processing operations.
Issue debit and credit cards, bypassing today a total of 2 million cards
Manage e-payment acquiring activities across a large network of hundreds of ATMs and
thousands of POS terminals
Develop and implement a variety of innovative applications : ATM Switch, Prepaid, Bill Payment,
Mobile Top-Up …
Using the architectural expansion features offered by MAGIXTM, MPCB is able to deploy new
transaction types, device interfaces and functional enhancements including support for EMV and multi-
currency capability, improving customer service and choice, and reducing the risks associated with
credit and debit card fraud.
The card team is already working on further enhancement of the bank automated delivery services and
plans to issue MPCB new card product lines and to introduce Mobile payment and internet banking in
early 2009.
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BNP Paribas Group – France
5th in the banking industry worldwide, 1st bank in the Euro Zone
www.bnpparibas.com
PROJECT MILSTONES
2001: Development, deployment and maintenance of a multi-bank global EFT processing center, based in
Paris, to manage all the e-transaction processing activities of 20 worldwide subsidiaries
2006: A Full-EMV migration process of the international issuing and acquiring activities of BNP
Paribas subsidiaries network was successfully accomplished in April 2006.
Russia
Processing center Paris Italy
Algeria Lebanon
Qatar
Mali
Senegal
Guinea
Ivory Coast Madagascar
Burkina Faso
Mauritania
Algeria
Project scope:
In 2001, BNP Paribas group appointed m2m group to set-up a global and centralised platform
enabling it to manage from its international EFT processing center, based in Paris, all the e-
transaction processing activities of its worldwide subsidiaries including Issuing (debit/credit),
Acquiring (withdrawal and payment), management of VISA and Mastercard interfaces,
management of authorization and settlement systems along with advanced chargebacks and
risk management.
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Régie des Tabacs –ALTADIS Group - Morocco
2. Delivery of a wide range of innovative online services : mobile top-up, Utility payment, cash&carry on
POS ….
In 2003, Altadis group, the European leader in the logistics business, present in more than 35
countries, appointed m2m group to develop, implement and process a multi-service program
via POS terminals across the network of its Moroccan subsidiary, the group’s 2 n d international
unit in terms of production capacity and distribution potential (www.altadis.com).
Using the system built around MAGIXTM and fully outsourced by m2m:
1. Moroccan citeizens are able to electronically recharge their phone accounts, operate
postpaid bill payments …in thousands of points of sales, almost instantaneously, with
virtually any amount that suits their budget.
2. Points of sales can effect their purchase orders online, benefit from a large range of
payment facilities and have the opportunity to increase store traffic by adding fast, free
and easy online products to the in-store offer.
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CONTACT
M2M Group
Tel. : +212 522 435 300
Fax : +212 522 435 313
Email : moreinfo@m2mgroup.com
www.m2mgroup.com
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