This document introduces CharlieIndia as a partner for providing white-label e-invoicing solutions to banks. CharlieIndia has developed an e-invoicing platform called CharlieIndia Invoice HUB that can be integrated by banks to offer value-added e-invoicing and payment services to SME customers. The solution helps banks address challenges like lack of customer loyalty and competition from fintech by enhancing their internet banking offerings and gaining valuable customer data from invoice information. CharlieIndia Invoice HUB has capabilities like invoice issuance, receipt, payment integration and reporting that benefit both banks and their SME customers.

1. Your partner with e-invoicing

2. INTRODUCTION
Katalin Kauzli
Business Development
Incorporated in 2015 10+ years of experience
in developing invoicing systems
Flagship product: CharlieIndia
Invoice HUB
White-label e-invoicing solution for banks
as a value added service for SMEs
Reference case study
CharlieIndia Invoice HUB is the core
system of OTP Bank’s www.otpebiz.hu
solution in Hungary
János Töberling
CTO
Péter Malaczkó
CEO

3. 3
2017 Partner HUB
OVERVIEW
CHALLENGES FACED BY BANKS
# Lack of customer loyalty
# Commoditization of the products
# Limited innovation capability
THREATS FACED BY BANKS
# PSD2 allows direct competition
from FinTech companies
# Potential dissemination of
traditional banking products
CharlieIndia Invoice HUB
Integration of e-invoicing and
payments for SMEs
Better offering for
SME customers
Increased customer retention
Enhanced internet
bank experience
Growing usage of internet bank,
due to unique features & tools of
CharlieIndia Invoice HUB
Bank better
understands
customer
With CharlieIndia Invoice HUB not
only transfers are visible but also
invoices, thus easier to understand
customer’s full financial situation
Ability to tailor
make banking
offering
Due to invoicing data available, the
bank can offer targeted products
and solutions

4. Payment transactions may be generated based on at least 3 types of data:
WHO PAYS/TO WHOM/HOW MUCH
+
For banks the integration of invoicing and payment services is a huge opportunity to
provide value added services for SME clients, as they can enter the SME’s life already
at their business transactions
+
In B2B transactions invoices have all these information: if one provides e-invoicing
solutions, all necessary payment data will be available
+
Banks and fintechs have several developments for payment services, but no solution
for e-invoicing for the banking customer
+
+ Rationale to integrate e-invoicing
and payments
E-INVOICINGAND PAYMENTS NEED TO BE
INTEGRATED WITHIN THE BANK

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2017 Partner HUB
BENEFITS FOR BANKSAND THE
SME CLIENT
Invoicing and payment integration helps SMEs to keep up with
technology and saves time and money for them while providing an
enhanced banking experience
 In B2B relations invoicing always precedes payment: you can enter the SME’s life already at their
business transactions
 You will help your SME client have access to e-invoicing and execute payment transfers with only
one click on the invoice: SMEs will have a completely new internet banking experience.
 Embedding invoicing data into the SME’s cash flow projections helps better liquidity management
 Should a bank provide an invoicing solution, payment transactions become automatically
matchable with invoices. SME customers will be able to save on invoice processing costs
+
+Valuable data assets for the bank
Based on invoicing data better credit scorings and tailor-made credit offerings will be possible just in
the right time.
+Higher customer loyaly and lower churn at the bank
This product supports the bank’s customer retention: if clients start using e-invoicing at a bank, they
are less likely to switch banks.
BANKRETAINS/IMPROVESITSCENTRALECONOMICPOSITION

6. CHARLIE INDIA INVOICE HUB
Our product
Ready-made white-label e-invoicing solution
• The product has full invoicing functionality
• Customizable invoicing and business
processes from ready building blocks
• Customizable front-end
+
Easy integration and short implementation time
• Integration is easy with existing systems
• Customization does not require IT development
• We can launch your service within 6 months
+
Interoperable e-invoicing solution with other major e-
invoicing service providers:
• Users of the service will be able to exchange e-
invoices with each other and with users of
interoperable solutions reaching higher
penetration for e-invoicing
+

7. CHARLIE INDIA INVOICE HUB
White-label e-invoicing solution
#PROVIDES A SOLUTION FOR THE AUTOMATION OF ALL INVOICING RELATED
TASKS (SENDING, RECEIPT AND PROCESSING OF INVOICES)
#INTERNATIONAL INVOICING IS COVERED
#ABLE TO SERVE CUSTOMERS RANGING FROM MICRO COMPANIES TO THE
LARGEST MULTINATIONALS
READY-MADE SOLUTION
FOR ALL INVOICING NEEDS
+
• Solution is ready to be
implemented, no additional
product/IT development is needed
• Fulfilling even complex invoicing
requirements (e.g. self-invoicing,
inter-company invoicing and
receipt of invoices)
• Data is transmitted electronically
to other users/ERP systems which
improves accounting efficiency at
the client
EASY INTEGRATION AND SHORT
IMPLEMENTATION TIME
+
• Customization and consecutive changes may
be done through parametrization instead of
IT-development, which shifts project
resources from IT to business areas
• System implementation time is radically
reduced
• Easy integration with payment service
providers and middleware systems
• Interfaces to other systems may be done by
parametrization or incremental development
WHITE LABEL CONCEPT+
• The white label concept ensures a
higher penetration than labelled e-
invoicing networks
• It supports the creation of
interoperable invoice hubs for
banks, shared service centers,
telecom companies or government
organizations
• Higher penetration will mean
additional value for banking
customers

8. CHARLIE-INDIA INVOICE HUB
CAPABILITIES
REGISTRATION AND FILING OF INCOMING INVOICES
Both paper-based and electronic invoices may be handled
Cooperation with filing/registration systems is possible
PROCESSING INCOMING INVOICES
Registration and filing is also possible, complying with requirements
regarding data content or processes
ISSUING ELECTRONIC INVOICES
The customer is able to provide electronic invoicing: invoice
generation and sending/receipt of invoices within the customer’s
clientele may be handled fully electronically and automated.
ARCHIVING ELECTRONIC INVOICES
Archiving of electronic invoices is a core feature
SOLUTION FOR TRAVEL EXPENSES,
HR DOCUMENTATIONS
Other critical use cases may be defined and handled electronically
REPORTING, CLIENT COMMUNICATIONS
Sharing general ledgers and reports with clients is possible on the
Charlie-India service, based on access rights.
INVOICE DATA INPUT FOR PREPARATION
FOR ACCOUNTING
Data received may be transferred to the accounting or ERP
systems. Attachments of e-invoices may be handled in the system
(e.g. delivery note may be stored attached to the invoice). Handled
documents may be put into a common data structure. A huge
advantage of converting to a common data strucure is that the data
transfer becomes easy to accounting or ERP software used. As a
result time necessary for data inputs decreases significantly.
RECEIPT OF ELECTRONIC INVOICES
Charlie-India is able to automate the
receipt of e-invoices and 100% (item-level)
processing and storage of invoice data.
CHARLIE-INDIA
INVOICING

9. 9
2017 Partner HUB
PROPOSED IMPLEMENTATION
TIMELINE
+
Project start
LAUNCH OF
PROTOTYPING
PROJECT
6-8 weeks
SUCCESFUL
PROTOTYPE
START OF
IMPLEMENTATION
PROJECT AFTER
INTERNAL APPROVALS
4-6 months
SILENT PRODUCT
LAUNCH
6-8 months
START OF
MARKETING
CAMPAIGN

10. Számlázz Könnyen online invoicing and invoice presentment system
ÉnSzámlázóm.hu (cooperation partner: MagyarTelekom)
Fiat CEE regional e-invoicing and invoice presentment service
OTP eBIZ service
SELECTED REFERENCES
+
+
+
+

11. OTP EBIZ FUNCTIONALITY
Referencecasestudy
INVOICING, HANDLING INVOICES+• Issuing invoices with eBIZ invoicing solution
• Time stamping e-invoices
• Sending and receiving e-invoices within the eBIZ network
PAYMENT SERVICES+• Instant one-click payment of received e-invoices, without
the need to separately enter the internet banking surface
• Invoices to be paid may be put into a payment package,
which may be digitally signed within the application
• Notification about the fulfilment of signed transactions
(payment of invoices)
LIQUIDITY MANAGEMENT+• Up-to-date information and forecasts about the liquidity
situation of the companes
• Charts relating to money transfers and expected revenues
and expenses based on invoicing data
BANK SYSTEM INTEGRATION+• eBIZ has a direct connection to OTP Bank’s account
system, therefore it is possible to have up-to-date account
information, initiate and approve payments within eBIZ
UP-TO-DATE PARTNER
INFORMATION
+
• Online information about customers and suppliers thanks
to the integrated official company registry into eBIZ
• In case of non-payment customers of the client may be
notified through eBIZ
ACCOUNTING SYSTEM INTEGRATION+Within eBIZ, the banking client has an online connection to its
accountant. The accountant can see all sent and received
invoices, their payment status. The accountant can set up
payment packages for approval related to wages and tax
payments.

12. OTP BANK’S PROJECT
IMPLEMENTATION
TIMELINE AND MILESTONE
+
December, 2015
LAUNCH OF
PROTOTYPING
PROJECT
March, 2016
SUCCESFUL
PROTOTYPE
August, 2016
START OF
IMPLEMENTATION
PROJECT AFTER
INTERNAL APPROVALS
Dec, 2016
SILENT PRODUCT
LAUNCH
April 15, 2017
START OF
MARKETING
CAMPAIGN

13. APPENDIX
+
+

14. CharlieIndia
PLATFORM
CharlieIndia Invoice HUB is developed onto the core
system called CharlieIndia. CharlieIndia is a document-
based data-exchange platform with a unique data
distribution model. Registered users may create, store,
send and receive different types of documents having
different identification systems. The core system has
features for registration, authentication, handling master
data and system parametering. Based on features of the
core system, parametering and incremental development is
adequte to launch new online business applications, such
as invoicing, PSD2 API, and structured data exchange for
any purposes. The architecture of the core system ensures
that only relevant/permitted data structures are distributed
among participants, while data separation is ultimate
having separate databases for each participant. Dynamic
data strucures ensure that all changes may be handled
with parametering instead of IT development.

15. CORE
FUNCTIONALITYand architecture
Due to dynamic data structures and
modular/elementary coding of functions,
CharlieIndia can serve various business needs
without limitations and minimize incremental IT
development. As relationships among parties
are defined, CharlieIndia supports the
creation of networks.
Flexible user management+
• User description on a dynamic data
structure
• User id-s (and types thereof)
• Contact information (and types
thereof)
• Properties (and types thereof)
• User roles
• Relationships among users
• User rights management due to
dimensions listed below:
• Properties
• User roles
• Relationships
Full functionality coverage for
providing online services
• Registration
• Separated storage of user
databases
• Handling data relationships
• Data exchange among users
• User authentication, user
rights
• User activity monitoring,
system event logging
• Cooperation with other IT
systems (e-mail, ERP, etc.)
• Scalability to enable handling
large amounts of
customer/transaction data
• Release management
+
Modular and elementary
implementation at the coding
and architecture level
+
• Business functions are deployed through
elementary steps
• Elementary steps are coded separately
• Elementary steps may be put together into
processes/functions, and these may be
varied according to business objectives
• Operations on data/data structures are
programmed also on the elementary level
• Definition of data structures
• Transformation of data and data
structures
• Optimizing search, filter and
presentation of data
• Generating outputs
• Sending data
• Storing data
• Modular architecture
• Core system
• Related IT resources
• Business case specific set of
functions (business extensions)

16. 03
3-LAYERED
ARCHITECTURE
Shifting projects from IT to business02
01
Charlie
India
02BUSINESS EXTENSION
Business extensions are built on the core system.
These are tailor-made systems with unique
design and functionality (e.g. an online invoicing
system). Use case specific data structures may
be created through parametering
01CORE SYSEM
Core system with its functions
(listed on the previous page) and
related core databases
03SERVICE CENTERS
IT resources supporting business functions
(e-mail, document storing, PKI technologies,
sms-gateways, etc.)
BUSINESS SOLUTION COMPRISES
OF TWO COMPONENTS:
• service center - core system with its functions (listed on the
previous page) and related core databases
• business extensions (applications)
Third layer of the architecture is IT resources and core
(bank) IT systems

17. +
CONTACTS
PÉTER
MALACZKÓ
FOUNDER - CEO
tel.: +3630/923-8870
e-mail: peter.malaczko@partnerhub.hu
KATALIN
KAUZLI
BUSINESS DEVELOPMENT DIRECTOR
tel.: +3620/539-6527
e-mail: katalin.kauzli@partnerhub.hu

18. Your partner with e-invoicing