Empower financial inclusion with branchless banking

Empower financial inclusion with branchless banking

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 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.

5.2m

$500m

outlets globally

by agents globally

Unique agent

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

Digitised per day

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

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.

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

STATE-OF-THE-ART FEATURES FOR YOU

Comprehensive agency operations

Multi-tenant system

Flexible & customizable solution

Analytics & insights

Easily manage and monitor your

The system can be adjusted based

You can customize the solution

Get a 360-degree view of your busi-

operations with an interactive dash-

on language and currency and also

according to your needs with

ness performance, get cluster analysis

board and advanced system.

serves multiple customers that you

seamless integrations and our

and push customized offers to all

might have.

easy-to-use platform.

users.

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

• Prepaid Electricity

• Mobile Postpaid

• Prepaid water

• Fee payments

Cash Services • Cash Deposit

Add-Ons

• Cash Withdrawal

• Balance inquiry • Mini statement • Last 5 transactions • Cheque book Request • Statement request

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

AGENCY BANKING ECOSYSTEM Channels

Authentication

Use cases

Banks HQ

• Web

Pin-based

Create and manage branches

Bank Branch

• Web • Mobile • QR Code

Pin-based

Create and manage aggregators

Aggregators Mobile QR Code

• Web • Mobile • QR Code • POS

Pin-based

Create and manage agents

Agent

• Web • Mobile • QR Code • POS

Pin-based

Customer

• Web • Mobile • QR Code • POS

Biometric

• USSD

Pin-based

Customers onboarding, Deposits, Withdrawal, Money transfers, Top up Bill Payments

Check Balance, View Deposits, Transfer Funds, Request Services

LOGICAL ARCHITECTURE Portal

App

SMS

USSD

API

POS

ACCESS MANAGEMENT CORE PLATFORM

CBS

Biller / Aggregators

Integration Layer

CRM

SERVICES

ANALYTICS

Admin Management

Customer Management

Merchant Management

Customer Onboarding

Dynamic Dashboard

Tree & Level Management

Bank Management

Biller/Aggregator Management

Cash Deposits

Reports

Android POS

M-POS

NFC Wallet Management

Commission Management

KYC Management

Reconciliation Management

Threshold Management

Service Product Management

Trust Account Management

Multiple Currency

Security Management

AML

Transfer Funds Balance inquiry Mini statement Last 5 transactions Top-up & Utility Bill Payments Cheque book Request Statement request

BI Analytics

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.

DEV EL O

T EN PM

TE S

NG I T

DEPLOY ME

NT

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