Empower financial inclusion with branchless banking

1. Empower financial inclusion with branchless banking

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 AGENT NETWORK IN 2020 Agent networks have always been a core part of the mobile money industry, but during the pandemic they proved critical. The value digitised via mobile money agent networks grew by 18 per cent in 2020, reaching a total of $189 billion or over $500 million a day. $500m 5.2m Unique agent outlets globally Digitised per day by agents globally Source: https://www.gsma.com/sotir/

4. PRODUCT OVERVIEW Comprehensive, Omni channel white labelled Digital wallet solution • Readily available for omni channel launch no need for developing from the scratch One Platform For All Your Digital Payment Needs • Offers wide range payment and marketing solutions under one mobile interface. Creating unique offering for each customer based on their transactional behavior Aligns MFS Service Provides, Merchants, Agents and end users in Collusive Ecosystem • Synergizing Customer, merchants and service providers on one ecosystem Micro Service based Modular architecture • Highest degree of flexibility and scalability with multi thread non blocking architecture Agile and Flexible for faster deployment on Cloud or on-premise • Being cloud ready it offers high TPS with lower TCO and can be deployed faster

5. DGBANK – AGENCY BANKING SOLUTION DGBank agency banking solution empowers banks to deploy agents who can extend banking services to the underbanked/unbanked in isolated areas with no access to bank branches and triggers Financial Inclusion. The solution offers the flexibility and convenience for serving remote customers by extending last mile Banking connectivity.

6. EVERYTHING YOUR BANK CAN DO Boost financial inclusion • Ability to reach smallest and remotest rural areas • Delivers financial services to even unbanked customers Enhance your customers’ experience • Ability to easily access all services • More flexibility and convenience for existing customers Reduce your operational costs & boost your revenues • Branchless banking • Performance-based commission for agents Increase revenue streams for banks & agents • Expand customer base • Create more opportunities for agents

7. STATE-OF-THE-ART FEATURES FOR YOU Comprehensive agency operations Multi-tenant system Flexible & customizable solution Analytics & insights Easily manage and monitor your operations with an interactive dash- board and advanced system. You can customize the solution according to your needs with seamless integrations and our easy-to-use platform. The system can be adjusted based on language and currency and also serves multiple customers that you might have. Get a 360-degree view of your busi- ness performance, get cluster analysis and push customized offers to all users.

8. KEY USE CASES FOR YOUR FINANCIAL SERVICES Account Opening Transfer Funds Top-Up Bill Payment • Customer Onboarding • To own account • Airtime Top up • Power Bill Payments – Single stage • KYC management • To another bank account • Digital TV top up • Multi Stage bill payments • To 3rd Party wallet • Metro Card top up • Tax payments • Stored Value Card Top up • Gas Bill • Toll card/tag Top up • Water Bill Cash Services • Prepaid Electricity • Mobile Postpaid Add-Ons • Cash Deposit • Prepaid water • Fee payments • Cash Withdrawal • Balance inquiry • Landline bill payment • Mini statement • Data card bill payment • Last 5 transactions • Broadband bill payment • Cheque book Request • Insurance payments • Statement request

9. AGENCY BANKING ECOSYSTEM Channels Authentication Use cases Banks HQ • Web Create and manage branches Pin-based Bank Branch • Web • Mobile • QR Code Pin-based Create and manage aggregators Aggregators Pin-based • Web • Mobile • QR Code • POS Create and manage agents Mobile QR Code Customers onboarding, Deposits, Withdrawal, Money transfers, Top up Bill Payments Agent • Web • Mobile • QR Code • POS Pin-based Check Balance, View Deposits, Transfer Funds, Request Services • Web • Mobile • QR Code • POS • USSD Biometric Pin-based Customer

10. LOGICAL ARCHITECTURE Portal App SMS USSD API POS ACCESS MANAGEMENT CORE PLATFORM SERVICES ANALYTICS Android POS Admin Management Customer Management Merchant Management Dynamic Dashboard Customer Onboarding CRM M-POS Tree & Level Management Bank Biller/Aggregator Management Cash Deposits Management Reports NFC Integration Layer CBS Wallet Management Commission Management KYC Transfer Funds Balance inquiry Mini statement Last 5 transactions Top-up & Utility Bill Payments Cheque book Request Statement request Management BI Analytics QR Code Reconciliation Management Threshold Management Service Product Management Biller / Aggregators Biometrics Trust Account Management Multiple Currency Security Management AML

11. 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

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

13. 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

14. 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

15. 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

16. 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

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

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