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.

1. Empower financial
inclusion with
branchless banking

2. DIGIPAY.GURU
1.2M+
HOURS OF EFFORTS
100+
IN-HOUSE TALENT
600+
PROJECT DELIVERED
08
OUR PRESENCE
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.

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.
Source: https://www.gsma.com/sotir/
Digitised per day
by agents globally
$500m
Unique agent
outlets globally
5.2m

4. 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
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
• Highest degree of flexibility and scalability with multi thread non blocking architecture
PRODUCT OVERVIEW

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. Boost financial inclusion
• Ability to reach smallest and remotest rural areas
Enhance your customers’ experience
• Ability to easily access all services
Reduce your operational costs & boost your revenues
• Branchless banking
Increase revenue streams for banks & agents
• Expand customer base
EVERYTHING YOUR BANK CAN DO
• Delivers financial services to even unbanked customers
• More flexibility and convenience for existing customers
• Performance-based commission for agents
• 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
Transfer Funds
• To own account
• To another bank account
• To 3rd Party wallet
Top-Up
• Airtime Top up
• Digital TV top up
• Metro Card top up
• Stored Value Card Top up
• Toll card/tag Top up
• Prepaid Electricity
• Prepaid water
Account Opening
• Customer Onboarding
• KYC management
Add-Ons
• Balance inquiry
• Mini statement
• Last 5 transactions
• Cheque book Request
• Statement request
Bill Payment
Cash Services
• Cash Deposit
• Cash Withdrawal
• Power Bill Payments – Single stage
• Multi Stage bill payments
• Tax payments
• Gas Bill
• Water Bill
• Mobile Postpaid
• Fee payments
• Landline bill payment
• Data card bill payment
• Broadband bill payment
• Insurance payments

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

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

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.
PLAN DESIGN LAUNCH
DEVELO
P
M
E
N
T
T
E
S
TING
D
E
P
L
O
Y
M
E
N
T

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.
Hybrid
On Cloud
On-Premises

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

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