PayNet provide white labelled digital banking platform to enable use case like Deposits, Lending and Payments We have ready-to-use modules : - Prepaid cards - Loan Management and Origination - Digital Account Opening - Customer On-boarding - Open API Platform - Digital Wallets - Payments and Collections - Loyalty Module - Corporate and Mobile Banking

1. White Labeled
Neo Banking Platform

2. Incorporated in Dec 2016 as a technology firm
with a vision to bring down the cost of doing
financial service business.
Our Story
$800 Mn
Financial Transactions
9
Countries
1.5 Mn
Customers
2
Delivering services in compliance with PCI
certified data security standards with 99.95%
uptime guarantee.
Managing 1.5 million customers in 10 countries
with transactions of worth $800 million in value.

3. The Platform
Reporting and BI
Data Processing
Banks / NBFC Aggregators Payment Gateway Financial Switches
Access Channel
5
A single platform to meet the complete requirements of the Digital Bank
Standard Modules Key Features Use Cases
• Digital Channel Manager
• Digital Payments Module
• API Banking Module
• Mobile Banking (Retail & Corporate)
• Internet Banking (Retail & Corporate)
• Agency Banking
• Social Media Banking
• Mobile Wallet
• Mobile POS
• Micro Saving and Micro Lending
• Group Savings & Group Lending
• Customer Engagement Module
• Remote Customer Onboarding
• OCR & Biometrics
• Built In Accounting
• Loyalty and Rewards
• Multi Currency Reconciliation
• Chatbot and Chat Agent
• Whatsapp & Facebook Bots
• Dynamic Fees and Commissions
• Open API
• Invoicing
• Payments links
• Transaction Switching
• Bulk Payouts for Salary, Grants,
Vendors
• Multi Channel Payment Collections
• Merchant Acquisition
• NFC QR based Payment
• Expense Management
• Channel Management
• Virtual Card Issuance
• Loan Origination
• Loan Management
• Financial Inclusion

4. Our Unique Features
Low Code Platform | Fully Compliant | Ready with the Ecosystem

5. Low Code Platform
Cross-platform functionality
in design for “Build once
deploy anywhere”
Reduced cost of change -
leads to increased flexibility
in decision making
100 % API driven platform
to dynamically manage all
changes
5

6. Fully Compliant
Certified on PCI Data Security,
ISO and OWASP guidelines
Backup and Uptime
guarantees of 99.9%
Ready with prebuilt software modules
required to create businesses like
Deposits, Lending, and Payments
6

7. Ready with the Ecosystem
Ready with Integrations with
Payment Gateways, Access
Channels and Central Switches
Ready with regulatory
compliance of KYC, AML etc
Ready with business partnerships with
Banks, NBFC and payments schemes
Pan card Driving
License
Voter ID Aadhaar
Passport ID OCR
ITR
Extraction
Bank Acc
Validation
Bank
Statement
Vehicle RC ITR
Extraction
GST
RTGS UPI Payment
Gateway
CIBIL
Current and Saving acc
opening
Prepaid card issuance
7

8. Build In Connectors
16
High-level illustration of Built In Connectors

9. We are Certified on Security
Data security is of utmost importance to PayNet. We invest
heavily in ensuring that our infrastructure is comprehensive
and secure by utilising highly secured authentication,
security credential and certification standards
• Account details are stored with military grade 256-bit encryption.
• All data transmission is encrypted to the HTTPS standard.
• All files are transferred in compliance with OWASP standards
• Authorisation of all transactions completed with 2-factor auth.
• PCI DSS Level 1 Compliant.
Security
8

10. Our Case Studies

11. Case Study 01 Omni Channel Banking
https://www.nmb.com.np/
To engage Digital Native
Millennials NMB Bank Nepal
upgraded its channels using a
service-oriented architecture to
launch an omni channel
banking channel with features
like :
§ 100 % Digital Onboarding
§ Digital Payments
§ Vouchers and Coupons
§ Goals and Budgeting
§ Integrated Rewards
10

12. PayNet
Integration Management
• Secure integrations
• IP white-listing
• Authentication rules
• Encryption
• O Auth Tokens
• API Management
Transaction Management
• Velocity Limits
• Fees and Commissions
• Authentication rules
• AML CFT Rules
• Audit Logs Rules
• Reporting
Core Banking System
Card Management System ATM Switch Other Systems
Cards
Point Of Sales
Social
Channels
Internet
Banking
ATM/
Kiosk
Agents
Mobile
Apps
Missed Call
Branch
User Management
• Registration: KYC
• Agent/Customer/merchant Groups
• Roles & Permissions
• Lifecycle Management
• Document Management
• Channel Access
11
Omni Channel Banking
https://www.nmb.com.np/
Case Study 01

13. 12
Kerketi Georgia is the digital wallet
in that provides international
payments and currency exchange
services in Eastern Europe using a
fully digital process.
Kerketi Micro Finance arm ‘Crystal’
provide B2B lending to more than 5
thousand institutions in the region.
Case Study 02 Intl Payments and Lending
https://www.kerketi.ge/en/

14. 13
Payment Services
Govt. Utility Cable
Retail Ticketing Remittance
Insurance
Banking Services
Payroll Loans
Banking Cards
Savings
Customer Base
Agent Network Alternate Channels
• SMS
• USSD
• WEB
• Mobile App
• POS
• Kiosk
• ATM
• Tablet
Channels
Rest
APIS
Case Study 02 Intel Payments and Lending
https://www.kerketi.ge/en/

15. Neo Bank for rural India
https://www.dhanshakti.com/
Case Study 03
NEO BANKING
FOR INDIAN FARMERS
Dhanshakti is building a technology platform designed
to solve the financial and banking needs to 100 million
dairy farmer in the biggest dairy industry of the world.
14

16. LMS
• Maintaining user profiles.
• EMI repayment.
• Loan insurance.
• Loan product management.
• Loan lifecycle management.
• Loan rule management.
• Loan EMI notifications
• Loan Collection notification.
• Collections reports.
• Recovery notification matrix.
• Loan book reporting.
Dairy &
Collection ERP
LMS
LOS Agent App End User
Karza
Insurance
CredAvenue
Credit Bureau
AML Check
Notifications
LOS Data
LMS Data
Dhanshakti
Case Study 03 Neo Bank for rural India
https://www.dhanshakti.com/
LOS
• Agent KYC & onboarding
• Customer KYC checks &
onboarding
• Cattle verification & insurance
• Loan request & Approval & NBFC
• Reporting
LMS
• Maintaining user profiles.
• EMI repayment.
• Loan insurance.
• Loan product management.
• Loan lifecycle management.
• Loan rule management.
• Loan EMI notifications
• Loan Collection notification.
• Collections reports.
• Recovery notification matrix.
• Loan book reporting.
AGENT
APPLICATION
15

17. Other Deployments
16

18. Problem We Solve
3
It is difficult to Find, Attract, Train, and Retain the talent
people
Need partnerships with to Bank, PG, Access Channels,
Central Switches to create a seamless experience
All go to market plans is changes as soon as you go
live tech would require quick redevelopment
Managing Tech Teams
Ecosystem Partnerships
Cost of Change

19. Value We Create
17
1/5 Lower Cost of
new build
50% Lower
Maintenance
Cost
10x Faster time to
market

20. 20
www.PayNet.pro
info@PayNet.pro
Lets Build
Your Fintech
10X Faster 🚀
White Labeled
Neo Banking Platform