PLATFORM - AUKA

The Auka payments platform is the technological foundation of Settle. It’s a secure and compliant transaction platform that offers all the necessary third party connections for partners to join the scheme.

ABOUT US - AUKA

License, certifications and memberships. Auka is an e-money institution with licence #108654 issued by the Norwegian financial supervisory authorities, passported with rights to provide its services across all EU member states, including Great britain. Auka is PCI DSS 3.2.1 Level 1 certified.

HOME - AUKA

A case study on regulated financial services run in the cloud by Auka. Global scale on public cloud while retaining EU wide regulatory

compliance. More.

SETTLE - AUKA

Settle for You. Pay p2p to any mobile phone number, domestic and cross border. Pay p2b as easy as paying a friend. Pay from card, bank account or stored value (pre-paid) Payout to your bank account for free. Send, receive, keep and manage funds in multiple currencies. Explore and enjoy personalized deals and offers from brands you like.

INVESTOR RELATIONS

Auka is on track to become a leading international fintech company, helping banks around the globe to deliver better banking. Auka was the first company to launch a mobile wallet in Norway, and the first company to run an FSA-regulated payments platform 100% in the cloud. The company has had a fantastic journey so far and are excited to

bring

MEDIA - AUKA

Media and press enquiries For any media enquiries, please get in touch with Lydia Lobb, Head of PR on +47 45 26 08 35 or lydia@settle.eu/auka.io. See our latest announcements below. CAREERS - AUKA - AUKA Auka is one of Europe'sfastest-growing fintech companies. Our technology enables banks to deliver experiences that our customers LOVE. The original idea behind Auka dates back to 2006 and in 2010, Auka was the first mobile payments company in Scandinavia. In 2012, we were the first in Europe to obtain a payment institution license.

CONTACT - AUKA

Send us an email to know more about our offering and how to get

started.

AUKA LAUNCHES SETTLE 0:00. 0:00 / 6:01. Live. •. Settle is the European mobile payments app built on Auka’s proven and award-winning mobile payments platform - the same platform that was pivotal to the Nordic mobile payments revolution. With Settle, Auka takes care of everything, except the distribution. MOBILE PAYMENTS IN ESTONIA MOBILE AYMENTS TONIA AN VERVIEW OR ANKERS — 4 Introduction * LM Research, 2017 Since the restoration of Estonian independence from

Russia in 1991

PLATFORM - AUKA

The Auka payments platform is the technological foundation of Settle. It’s a secure and compliant transaction platform that offers all the necessary third party connections for partners to join the scheme.

ABOUT US - AUKA

License, certifications and memberships. Auka is an e-money institution with licence #108654 issued by the Norwegian financial supervisory authorities, passported with rights to provide its services across all EU member states, including Great britain. Auka is PCI DSS 3.2.1 Level 1 certified.

HOME - AUKA

A case study on regulated financial services run in the cloud by Auka. Global scale on public cloud while retaining EU wide regulatory

compliance. More.

SETTLE - AUKA

Settle for You. Pay p2p to any mobile phone number, domestic and cross border. Pay p2b as easy as paying a friend. Pay from card, bank account or stored value (pre-paid) Payout to your bank account for free. Send, receive, keep and manage funds in multiple currencies. Explore and enjoy personalized deals and offers from brands you like.

INVESTOR RELATIONS

Auka is on track to become a leading international fintech company, helping banks around the globe to deliver better banking. Auka was the first company to launch a mobile wallet in Norway, and the first company to run an FSA-regulated payments platform 100% in the cloud. The company has had a fantastic journey so far and are excited to

bring

MEDIA - AUKA

Media and press enquiries For any media enquiries, please get in touch with Lydia Lobb, Head of PR on +47 45 26 08 35 or lydia@settle.eu/auka.io. See our latest announcements below. CAREERS - AUKA - AUKA Auka is one of Europe'sfastest-growing fintech companies. Our technology enables banks to deliver experiences that our customers LOVE. The original idea behind Auka dates back to 2006 and in 2010, Auka was the first mobile payments company in Scandinavia. In 2012, we were the first in Europe to obtain a payment institution license.

CONTACT - AUKA

Send us an email to know more about our offering and how to get

started.

AUKA LAUNCHES SETTLE 0:00. 0:00 / 6:01. Live. •. Settle is the European mobile payments app built on Auka’s proven and award-winning mobile payments platform - the same platform that was pivotal to the Nordic mobile payments revolution. With Settle, Auka takes care of everything, except the distribution. MOBILE PAYMENTS IN ESTONIA MOBILE AYMENTS TONIA AN VERVIEW OR ANKERS — 4 Introduction * LM Research, 2017 Since the restoration of Estonian independence from

Russia in 1991

HOME - AUKA

A case study on regulated financial services run in the cloud by Auka. Global scale on public cloud while retaining EU wide regulatory

compliance. More.

MEDIA - AUKA

Media and press enquiries For any media enquiries, please get in touch with Lydia Lobb, Head of PR on +47 45 26 08 35 or lydia@settle.eu/auka.io. See our latest announcements below. WARM WELCOME TO OUR NEW UX DESIGNER FROM ROMANIA! Our international team is growing! We are very happy to have a new lead UX Designer, Chitu Stefan from Romania. Here is a quick interview with our talented new employee! QUICK INTERVIEW: SAY “HI” TO OUR NEW COMMERCIAL MANAGER IN Auka is happy to have a new employee on board - Sanja! Sanja is a super positive person with a versatile skill set, she is excited to present the advantages of Settle to her fellow Croatians and ready for exciting new challenges. We already love to have her with us! AUKA LAUNCHES SETTLE 0:00. 0:00 / 6:01. Live. •. Settle is the European mobile payments app built on Auka’s proven and award-winning mobile payments platform - the same platform that was pivotal to the Nordic mobile payments revolution. With Settle, Auka takes care of everything, except the distribution. SELLING ICE-CREAM AT THE AGE OF 14 HELPED ME SELL MY What happened next. It was a fantastic time. The interesting segue between these two stories is what happened next. A few years down the track in (2015) when my technology for mobile payments had become successful, I ended up selling the rights to my technology in Norway for a very decent amount of money.When I was in the contract meeting for the deal there was a whole gallery of SENIOR BACKEND DEVELOPER (OSLO) Do you want to make a fantastic company even better? We are looking for a Senior Backend Developer. Besides cutting-edge technology and a bold vision to become the backbone of modern banking, Auka is the result of amazing people working together. TERM-INATE AND OSLO'S FIRST LEGAL HACKATHON I was thrilled to take part in Norway’s first Legal Hackathon, held at Gyldendalhuset in Oslo, Friday September 21st to Saturday 22nd. The event was organised by Lawbotics and supported by number of partners such as UiO’s Legal Faculty, Wiersholm, Kluge, Hjort, E&Y, KPMG and PWC, as well as other large players from the local legal industry. SENIOR REACT NATIVE DEVELOPER (BUCHAREST) Several years experience as a software developer, with at least a year’s experience doing mobile app development; Experience with React Native, or experience with React and traditional native development with Java or Swift/Objective-C AUKA MARKET REPORT, Q1 2018 Auka was named as the fastest growing fintech company by Deloitte Fast 500 EMEA and was cited as one of the hottest 16 Nordic fintech startups by Business Insider.It was also named mobile payments platform of the year by CFI magazine and was included in the European Fintech Awards top 100 in 2017. In February 2014, Auka went direct

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GET STARTED

MORE INFO JOIN SETTLE Become part of Settle® Built on Auka’s multi-award winning mobile payments platform Built on Auka’s

multi-award winning

mobile payments platform. Join Settle® as an issuer and/or acquirer and earn revenue from day one. Offer safe and easy mobile payments to consumers and merchants FOCUS ON YOUR STRENGTHS AND LEAVE THE REST TO US Being part of Settle® makes it easy to offer secure and smooth mobile payment solutions to consumers and merchants without the overhead of technical or operational challenges. WHY IS SETTLE THE EASIEST AND FASTEST WAY TO LAUNCH MOBILE PAYMENTS?

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SETTLE STRUCTURE

THE PROVEN FOUR PARTY MODEL Settle is based on the world’s most proven payments-scheme structure, enabling you to earn money on all transactions. -------------------------

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SETTLE FOR ISSUERS

Much like card issuing, you make instant revenue when your customers transact with Settle LEARN ABOUT SETTLE FOR ISSUERS

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SETTLE FOR ACQUIRERS Much like card acquiring, you make instant revenue when your Merchant accepts payments with Settle LEARN ABOUT SETTLE ACQUIRING __

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SETTLE FOR MERCHANTS Accept digital payments in any situation, anywhere without having to buy or lease expensive hardware. Settle helps you reach new customers and grow your business. LEARN ABOUT SETTLE FOR MERCHANTS

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SETTLE FOR CONSUMERS Payments isn't fun, but we made it easy. Based on Auka's multi-award winning platform, Settle is the easiest way to pay, shop and manage

your money.

LEARN ABOUT SETTLE FOR CONSUMERS

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------------------------- THE SETTLE ECOSYSTEM CONNECTING CONSUMERS AND BUSINESSES Settle connects consumers, businesses and merchants in an ecosystem that solves problems and drives revenue. Everybody wins!

READ MORE __

WHAT OUR PARTNERS SAY “IN SIX MONTHS WITH AUKA WE GREW OUR CUSTOMER BASE ALMOST 30%” -------------------------

Gunnar Hovland, CEO

BN BANK

“AUKA HELPED POSITION US IN THE COMPETITIVE LANDSCAPE” ------------------------- Rune Fjeldstad, Chairman SB 1 MOBILE PAYMENTS “AUKA IS CHANGING WHAT IS CONSIDERED POSSIBLE IN THE FINANCIAL

INDUSTRY”

------------------------- Otso Juntonen, Head of Cloud Platform

NORDICS AT GOOGLE

“THE AUKA TECHNOLOGY PLATFORM AND PRODUCT PORTFOLIO IS STATE OF THE

ART“

------------------------- Simon Zwahlen, Innovation Manager

SWISSCOM BANKING

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GET TO KNOW US

Founded in 2010 we were the first mobile payments company in Scandinavia. In 2014 we launched THE FIRST MOBILE PAYMENTS APP IN NORWAY and since then “The Scandinavian Model” has led to 65% mobile payments adoption in the Nordics. __Learn more about us THE AUKA PERSPECTIVE News, insights about the digitisation of payments, announcements and

more.

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June 4, 2019

AUKA ANNOUNCES NEW HIRES AT BUCHAREST TECH WEEK -------------------------

__Read more

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May 8, 2019

IS EASTERN EUROPE THE NEXT BIG CASHLESS SOCIETY? -------------------------

__Read more

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April 24, 2019

AUKA AT BULGARIA’S “STRATEGY FOR E-COMMERCE SUCCESS” EVENT -------------------------

__Read more

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August 12, 2019

5 MINUTES WITH OUR MARKETING AND BRAND LEAD, CORI READY -------------------------

__Read more

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July 30, 2019

ANNOUNCING NEWLY APPOINTED DIRECTOR OF SETTLE CROATIA, HRVOJE

KRALJEVIĆ

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__Read more

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July 1, 2019

SETTLE SPONSORS CROATIA’S LEADING MUSIC FESTIVAL, MAKING IT POSSIBLE FOR ATTENDEES TO PAY WITH PAYMENT APP -------------------------

__Read more

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June 4, 2019

AUKA ANNOUNCES NEW HIRES AT BUCHAREST TECH WEEK -------------------------

__Read more

*

May 8, 2019

IS EASTERN EUROPE THE NEXT BIG CASHLESS SOCIETY? -------------------------

__Read more

*

April 24, 2019

AUKA AT BULGARIA’S “STRATEGY FOR E-COMMERCE SUCCESS” EVENT -------------------------

__Read more

*

August 12, 2019

5 MINUTES WITH OUR MARKETING AND BRAND LEAD, CORI READY -------------------------

__Read more

*

July 30, 2019

ANNOUNCING NEWLY APPOINTED DIRECTOR OF SETTLE CROATIA, HRVOJE

KRALJEVIĆ

-------------------------

__Read more

*

July 1, 2019

SETTLE SPONSORS CROATIA’S LEADING MUSIC FESTIVAL, MAKING IT POSSIBLE FOR ATTENDEES TO PAY WITH PAYMENT APP -------------------------

__Read more

*

June 4, 2019

AUKA ANNOUNCES NEW HIRES AT BUCHAREST TECH WEEK -------------------------

__Read more

*

May 8, 2019

IS EASTERN EUROPE THE NEXT BIG CASHLESS SOCIETY? -------------------------

__Read more

*

April 24, 2019

AUKA AT BULGARIA’S “STRATEGY FOR E-COMMERCE SUCCESS” EVENT -------------------------

__Read more

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