DG Bank’s Advanced Mobile Money Solution

1. DG Bank’s Advanced Mobile Money Solution

2. DIGIPAY.GURU DigiPay began its journey in the year of 2019 under the umbrella of Peerbits, a leading mobile application development company. DigiPay has come up with several digital financial solutions such as Mobile Money, Agency Banking, Automated Fuel Solution, Parking Solution, etc. DigiPay has earned its reputation as a technology solution provider with a global market approach for Fintech Solutions. DigiPay leverages cutting-edge technologies to deliver superior FinTech solutions that cater to Non-Banking Financial Institutions, Enterprises, Banks, MNOs and Telcos. 600+ 100+ PROJECT DELIVERED IN-HOUSE TALENT 1.2M+ 08 HOURS OF EFFORTS OUR PRESENCE

3. A GLANCE OF MOBILE MONEY 2020 The Mobile Money industry has moved quickly while embracing disruption and working towards creating a digital future. There are 310 mobile money services across 96 countries, bringing more people into the formal financial ecosystem. 500K+ Processed Daily by The Mobile Money Industry 1.2bn 310 300 million Mobile Money Deployments Rgistered Mobile Money Accounts Monthly Active Account Source: https://www.gsma.com/sotir/

4. PRODUCT OVERVIEW Comprehensive, Omni Channel White labelled Solution • Readily available for omnichannel launch. • No need for developing from scratch. One Platform For All Your Digital Payment Needs • Offers a wide range of payment and marketing solutions under one mobile interface. • Creative, unique offering for each customer based on their transactional behavior. Aligns MFS Service Providers and Users In A Collusive Ecosystem • Synergizing customers, merchants, and service providers on one ecosystem Micro Service-Based Modular Architecture • The highest degree of flexibility and scalability with multi-thread nonblocking architecture Agile and Flexible For Faster Deployment On Cloud Or On-premise • Being cloud ready offers high TPS with a lower TCO and can be deployed faster

5. INDUSTRIES WE SERVE Non-Banking Financial Institutions Banks Enterprises MNOs/Telcos We also assist enterprises and established organizations with services such as Mobile Wallet, Collection Account, Disbursement Account, Bulk Salary disbursement, Bulk Air time disbursement, Sales collection, Vendor Payments Enterprises. Not just NBFI’ but to the main financial services providers, Banks, are also our esteemed customers for services such as Mobile Wallet, Agency Banking, Mobile Banking, Top-up & Bill Payments, Merchant Payments, and Loyalty & Rewards, E-KYC. MNO’s and Telcos are also some of our target audience with requirements of services like Mobile Wallets, Top-Up & Bill payments, P2P, G2P transfers, international remittances, bulk air time distribution, merchant payments, E-KYC, Loyalty & Rewards. Our product caters to all the Non-Banking Financial Institutions with services such as Mobile wallets, Top-Up & Bill payments, Money transfers, E-KYC, Merchant payments, E-Ticketing, Loyaly & Rewards, and International Remittance.

6. ADVANCED RANGE OF FEATURES Extensive Payment Solution Facilitates All Launch, Monetize & Optimize New Services Faster time-to-market • Scan QR to Pay • Unbanked • Monetize through Dynamic Configurations • Core product available • Tap & Pay (NFC) • Banked • White labelled solution • Optimize System Performance • USSD Payments • Exemplary Seamless Integrations • Monitor through Dashboards • Remote Payments • Readily available Open APIs • Track all transactions • Prevent Disasters Proactively

7. KEY USE CASES FOR YOUR FINANCIAL SERVICES E-KYC Wallet Services Top-Up Bill Payments • SIM Card E-KYC • Cash in - Cash Out • Airtime Top up • Power Bill Payments – Single stage • Bank Account Opening • P2P Transfer • Digital TV top up • Multi Stage bill payments • NFC Tagging • Sub Wallet Transfer • Metro Card top up • Tax payments • Service Activation • Request money • Stored Value Card Top up • Gas Bill • Mobile Money Account Activation • Transaction History • Toll card/tag Top up • Water Bill • Split bill payments • Prepaid Eletricity • Mobile Postpaid - Fee payments • Prepaid water • Landline bill payment International Remittance • Data card bill payment • Broadband bill payment • To Bank Account • Insurance payments • Via agent

8. KEY USE CASES FOR YOUR FINANCIAL SERVICES Mobile Banking Merchant Payment Enterprise Mobile Money Loyalty & Rewards • Wallet to Bank transfer • Retail merchant payments • Collection Account • Power Bill Payments – Single stage • Bank to Wallet transfer • Fuel payments • Disbursement Account • Multi Stage bill payments • Debit card/ credit card to wallet • Parking Payments • Bulk Salary payments • Tax payments - Gas Bill - Water Bill • Wallet to Debit /Credit card • Toll Payments • Bulk Subsidy distribution • Mobile Postpaid - Fee payments • ATM withdrawal • Supermarket/ Grocery Payments • Bulk Airtime Distribution • Landline bill payment • Micro Credit/Loans • Ride hailing payments • Sales cash collection • Data card bill payment • Inter-bank transfers • Restaurants & Eateries payments • Cash vendor payments • Broadband bill payment • Credit card payments • Events Payments • MFI Loan disbursement • Insurance payments • Movie Payments • MFI Loan collection • Online merchant payments

9. LOGICAL ARCHITECTURE Portal App SMS USSD API POS ACCESS MANAGEMENT CORE PLATFORM ADD-ON BI MANAGEMENT Android POS Admin Management Customer Management Merchant Management Location Based Services Dynamic Dashboard CRM M-POS Enterprise Management Bank Aggregator Management Campaign Management Management Reports Payment Gateway / EFT NFC Integration Layer Wallet Management Commission Management KYC Loyalty & Rewards/ Gift Card / Coupon/ Voucher Mgmt. Management BI Analytics QR Code Anti-Money Laundering Biller / Aggregators Reconciliation Management Threshold Management Service Management Biometrics 3rd Party Coupon / Voucher Mgmt. Trust Account Management Multiple Currency Security Management

10. COMPLIANCE Security Compliances Audit Trails Encryption Method - HMAC SHA 256 VPN & HTTPS - TLS 2,0 Access Security - AWS IAM Role System Security - Private VPC, Security Groups,Secured Internal Traffic, AWS WAF, DB in Private VPC Application Security - Secured Preference

11. COMPLIANCE Anti-money Laundering Business Rule Manager Transaction Rule Manager Float Rule Manager

12. COMPLIANCE PCI SSF Protect the Integrity of the Platform Maintain the Confidentiality of Sensitive Data Eliminate the risk of unnecessary penalties and Data Breach Complications

13. MICROSERVICE ARCHITECTURE It divides the single application into a small set of services, out of which, each runs on its own but communicates with each other. Every service implements different functionalities or features. Each service has its own mini application having its own hexagonal architecture. Independently Deployable Independently Scalable Reduce Downtime Through Fault Isolation Easy Maintenance And Deployment

14. IMPLEMENTATION We follow the Agile methodology for improving the effectiveness of our software development team. It is an iterative process to approach project management and software development. DEVELOPMENT TESTING DEPLOYMENT PLAN DESIGN LAUNCH

15. DEPLOYMENT Our solutions are built based on the client needs and the country regulations and deployed on cloud, premises or through a hybrid approach. On Cloud On-Premises Hybrid

16. WHY DGBANK? White-Labelling & Customization Exemplary Integrations (APIs) Lower TCO Agile Implementation Process Multi-currency & Multi-tenant Faster Deployment Secure Platform

17. hello@digipay.guru +91 9574 078295 www.digipay.guru hello@digipay.guru