Fingpay Cashless | Paperless | Effortless Verifications | - PowerPoint PPT Presentation

Fingpay Cashless | Paperless | Effortless Verifications | Collections | Banking Services Date: 11th December, 2018

T ARGET C ONSUMERS 100% Pain Points Typical Profile • Rural Consumers • Lack of Access to Banking and 75% • Typically women entrepreneurs Financial Services • MFI customers • Lack of instruments for digital 50% • 87% of MFI borrowers have payments • High Cost for availing Banking Bank accounts • More oriented towards savings services 25% • Di ffi cult to get control over finances 0% Social Impact Series 1 Series 2 Series 3 Gender Equality in Financial Inclusion 2

Product - Value Proposition Access to Banking and Access to credit through Financial services MFIs Bank Account Verifications 01 05 Opening Disbursements AEPS - Micro ATM 02 06 Bill Payments EMI Payments 03 07 Add on services Money Transfer 04 08

Business Model Banking Correspondents Micro Finance Solution Aggregation through Verification & Onboarding distributorship model EMI Collections (CMS and Digital) Revenue Source One time set up and integrations from Corporates Recurring charges on transactions • 200+ MFIs 
 • 0.50 to 1% earnings of total • 18+ Financial Institutions • 2 State Government Partners 1.5 Lakh Crore Portfolio transaction volume Over 5 Lakh BC points in • 25K Average Loan size • Asset-light Distribution • 40K+ Business India • 3.5 Crore+ No. of. Strategy Correspondents 
 • End to End fully automated, Borrowers • INR 1500 Average EMI Size technology driven • Transactions by value till date operations • INR 3.5 Bn • Plug and Play solutions for • 5 Lakh+ Business • Average ticket size - INR 1200 quicker uptake • 20% MoM Growth Correspondents CURRENT PROGRESS MARKET POTENTIAL SCALABILITY

Key Challenges Cash is a Cost, yet majority of the payments are in Cash Industry Need for more focus on Rural Payment Infrastructure Challenges Changing Consumer Behaviour Challenge: Banks are Intermittently Inoperative on AEPS platform Solution: Open Bank Accounts via App 01 Challenge: Challenge: Only 70% Cashless Insu ffi cient Balance in 02 Solution: customer’s account 06 Cash Drop feature to make Solution: collections 100% Cashless Created BC points 03 Challenge: Challenge: Reconciliation issues 05 Training and Capacity Building Solution: Solution: Single Window Dashboard Simple and Vernacular App Demand Sheet Feature 04 Challenge: Low Network Connectivity Solution: App that works seamlessly on low end phones with 2G speed

Thank You! Pratyush | 8888864533 | pratyush@tapits.in Sagar | 8169215134 | sagar@tapits.in