DG Bank’s Advanced Mobile Money Solution

DG Bank’s Advanced Mobile Money Solution

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,

600+

100+

PROJECT DELIVERED

IN-HOUSE TALENT

1.2M+

08

HOURS OF EFFORTS

OUR PRESENCE

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.

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

Rgistered Mobile

Money Accounts

300 million Monthly Active Account

Source: https://www.gsma.com/sotir/

310

Mobile Money Deployments

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

INDUSTRIES WE SERVE

Non-Banking Financial Institutions 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.

Banks

Enterprises

MNOs/Telcos

Not just NBFI’ but to the main financial

We also assist enterprises and

MNO’s and Telcos are also some of

services providers, Banks, are also our

established organizations with services

our target audience with requirements

esteemed customers for services

such as Mobile Wallet, Collection

of services like Mobile Wallets, Top-Up

such as Mobile Wallet, Agency

Account, Disbursement Account, Bulk

& Bill payments, P2P, G2P transfers,

Banking, Mobile Banking, Top-up & Bill

Salary disbursement, Bulk Air time

international remittances, bulk air time

Payments, Merchant Payments, and

disbursement, Sales collection, Vendor

distribution, merchant payments,

Loyalty & Rewards, E-KYC.

Payments Enterprises.

E-KYC, Loyalty & Rewards.

ADVANCED RANGE OF FEATURES

Extensive Payment Solution

Facilitates All

Launch, Monetize & Optimize New Services

Faster time-to-market

• Scan QR to Pay

• Unbanked

• Core product available

• Tap & Pay (NFC)

• Banked

• Monetize through Dynamic Configurations

• USSD Payments • Remote Payments

• Optimize System Performance • Monitor through Dashboards • Track all transactions • Prevent Disasters Proactively

• White labelled solution • Exemplary Seamless Integrations • Readily available Open APIs

KEY USE CASES FOR YOUR FINANCIAL SERVICES Wallet Services

Top-Up

Bill Payments

E-KYC

• Cash in - Cash Out

• Airtime Top up

• Power Bill Payments – Single stage

• SIM Card E-KYC

• P2P Transfer

• Digital TV top up

• Multi Stage bill payments

• Bank Account Opening

• Sub Wallet Transfer

• Metro Card top up

• Tax payments

• NFC Tagging

• Request money

• Stored Value Card Top up

• Gas Bill

• Service Activation

• Transaction History

• Toll card/tag Top up

• Water Bill

• Mobile Money Account Activation

• Split bill payments

• Prepaid Eletricity

• Mobile Postpaid - Fee payments

• Prepaid water

• Landline bill payment • Data card bill payment • Broadband bill payment • Insurance payments

International Remittance • To Bank Account • Via agent

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

LOGICAL ARCHITECTURE Portal

App

SMS

USSD

API

POS

ACCESS MANAGEMENT CORE PLATFORM

Payment Gateway / EFT

Biller / Aggregators

3rd Party Coupon / Voucher Mgmt.

Integration Layer

CRM

Admin Management

Customer Management

Merchant Management

Enterprise Management

Bank Management

Aggregator Management

Wallet Management

Commission Management

KYC Management

Anti-Money Laundering Reconciliation Management

Threshold Management

Service Management

Trust Account Management

Multiple Currency

Security Management

ADD-ON

BI MANAGEMENT

Location Based Services

Dynamic Dashboard

Campaign Management

Reports

Loyalty & Rewards/ Gift Card / Coupon/ Voucher Mgmt.

BI Analytics

Android POS

M-POS

NFC

QR Code

Biometrics

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

COMPLIANCE Anti-money Laundering

Business Rule Manager

Transaction Rule Manager

Float Rule Manager

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

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

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.

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DEPLOY ME

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PLAN

DESIGN

LAUNCH

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

WHY DGBANK?

White-Labelling & Customization

Exemplary Integrations (APIs) Multi-currency & Multi-tenant

Lower TCO

Faster Deployment

Agile Implementation Process Secure Platform

hello@digipay.guru

hello@digipay.guru

+91 9574 078295

www.digipay.guru