The wide penetration of mobile telephones and the development of mobile Internet technologies have increased demand for advanced mobile commerce services in the market.

Recognizing the business opportunity behind these market trends Hedz positions its main business focus on the development of operator-independent, high-value-added mobile payment and mobile shopping services by connecting service providers, banks and customers anywhere any time, on the go.

hmb^™ - Integrated mobile banking platform
iziSHOP^® - Mobile payment using credit cards
iziSEC^™ - Strong authentication on mobile phones
mo-bill^® - Bill payment on mobile telephones

hmb^™ - Operator-independent mobile banking

Internet-banking is the most cost-efficient service channel for banks offered to internet-enabled customers. However, in Central- and Eastern-Europe less than 15-20% of households have broadband Internet access and over 60% of users have absolutely no Web experience. On the other hand, mobile telephony is extremely competitive in the region with over 90% of households being "mobile-connected".

Hedz Hungary, Ltd. introduces hmb™ for operator-independent sercure banking services on mobile phones. hmb™ includes full-fledged online banking with integrated utility bill payment and other e-commerce applications designed for ordinary people on the move.

Features & Benefits:

• Targets the largest customer base by its most ubiquitous mobile technology basis
• Generates substantial revenues for Banks by integrated bill payment and other m-commerce applications
• Independent of mobile operators
• Low barrier-to-entry m-commerce services made possible by proprietary mo-bill^® services. Neither prior administration (like contract signing), nor special preparation of mobile phones (e.g. replacement of SIM card) required
• Creates unique competitive edge for Banks by high value-added m-commerce services
• Establishes basis for future m-commerce applications that generate extra revenues and create new strategic roles for banks
• Easy-to-use mobile services supported by advanced “mobile Plug&Play” technology targeting inexpert mobile users

For more information about our banking solutions please contact us at

iziSHOP^® - Operator-independent mobile payment

iziSHOP^® is a revolutionary, operator-independent mobile payment service that combines the world-wide popular credit card payment with easy-to-use, interactive online warehouse model adapted to regular mobile phones.

iziSHOP^® provides a virtual POS-based online payment PLUS an end-to-end m-commerce solution that includes product promotion, interactive product selection, configuration, payment authorization, money collection, delivery and billing. Merchants joining iziSHOP^® can offer their products and services in the iziSHOP^® online mobile store accessible for any mobile user. Payments using iziSHOP^® are not charged on the user’s phone bill or pre-paid accounts, but on the user’s credit card. This feature provides the highest credit limit and the largest possible freedom for the user. iziSHOP^® can change ordinary mobile phones into a must-have m-commerce tool that helps users purchase products and services of all kinds ranging from road tolls, taxi fares and e-government fees to travel or concert tickets with a few clicks on the mobiles.

For more details please check out iziSHOP^® at www.izishop.hu

iziSEC™ - Strong authentication with mobile telephones

The simple "User name and password" type of authentication, which is used for online banking and other business applications, can become significantly more secure if the "knowledge" based authentication is extended to a two-factor, "knowledge + ownership" based system. The Token system is based on this theory, but the fact that one must always have a token is the system's disadvantage, as well as its advantage. By contrast, using an SMS-based (one-time-password) system on mobile phones elegantly solves this problem. Nonetheless, sending SMS presents a significant cost to banks and the arrival of an SMS code frequently takes several minutes. Additionally, the SMS password travels through non-encoded communication channels, which presents a serious security threat. Our new solution, iziSEC™, combines the security and low cost of tokens with the simplicity of SMS-based solutions.

For more information about iziSEC™ please contact us at

mo-bill^® - paying bills by mobile phone

Electronic billing and payments provide significant savings to public utility providers, as well as providing an effective tool to decrease outstanding debts. Modern electronic bill presentation and payment (EBPP) systems are internet-based and its occurence in Hungary is one of the lowest in Europe. By contrast, mobile internet services through mobile phones are available to not only the largest consumer base, but also provide the unique advantages of mobility.

mo-bill^®, a public utility payment system developed for mobile phones by Hedz, allows any consumer, using any mobile service provider, to pay their public utility bills without complicated contracts.

If you issue invoices and would like more information about how to join the mo-bill^® system, please inquire at .

For more details please check out mo-bill^® at
www.mo-bill.hu