Network People Services Technologies Ltd

Fintech

2021

Network People Services Technologies Ltd. Introduction

Background Founded in 2013 IT – Software solutions & product company

Business Payment Platforms – IMPS | UPI | Wallet | Mobile Banking Digital Ecosystem – UPI Payment App | Society | Merchants I Parking Technology Service Provider (TSP) for Payment products to Third Party App (TPAP) for UPI Payment operations to Users / Customers Accreditation ISO 9001:2015 (Quality), ISO 27001:2013 (security) CMMI level 3 (Process)

Vision Provide digital technology to medium, small and micro setups to transact and operate seamlessly in financial value chain

Mission • Strategically partner with financial institutions, banks, manufacturers, service providers, Government agencies and suppliers. • Create largest network of technology enabled merchants and Users • Achieve Top 5 position in digital transaction volumes in country. © 2021 l 2 Business Verticals

Payment and Business solution to Digital Payment solution to Banks SoftwareServices Merchants Technology stack with large project Technology Service Provider Merchant PSP capability Payment Solution Integrated Mobile Banking Solution QR solution, Payment API, Third Party App Development Team IMPS Payment Switch Financial Solution Existing Products / Auto and Scheduled Payment, e-Invoice, e- Solution Architecture BHIM UPI Payment Switch Services Receipt, Auto-accounts, System Monitoring Wallet – web & mobile Business Solution (Domain specific) IT Infrastructure and cloud support Merchant Platform Co-op Soc, Hostel, Gym, Coaching Inst, Jeweler stores, + + New Domains Distributor – Retail network, Schools, Open Banking Doorstep vendors, Hyper local services ++ 2021 onwards AI on Processing engines Cloud based solution High Quality resource platform to large institutes Authorized Service Provider to small Banks Property / Merchant Management IOT, Vendors aggregation

Canara, Syndicate, Cosmos, Karnataka Co-op Societies I Gym I Hostel I Coaching Jio Mart (Net Meds) I Viettel I Soft tech I Clientele Gramin , Gramin Bank Classes I Physical Kiosk (ServeSevaKendra) Aisect © 2021 l 3 Technology Solution forPayments - Integrated Payment Platform

NPST has developed an Integrated Payment Platform which consists of a single interface for all types of payment channels - IMPS, UPI, Credit Card, Debit Card, QR payment, Wallet, and eMandate.

The solution has been designed for both retail users as well as Merchants. Bank or Merchants providing services to customers can take an advantage of a single interface for their customers. It also includes merchant platform for smooth merchant operations.

*Card based integration does not involve our engine © 2021 l 4 TimePay® Digital Platform

Service Providers User Smart Society

Payment solution Merchant Aggregation

Management ERP Account and Recon Society Customer Data Society Members Property Management Intelligence Merchant / Merchant SME / Transit Customer base

TimePay® Digital Ecosystem Payment Solution Banking Services Business Services Accounting and Pay, Collect, QR payment, Payments, Statements, Invoice, Payment records, Compliance Collection, Mandate Reconciliation, Complaint Receipt, MIS Auto-maintenance of books of resolution accounts Society Management Gym/ Hostel Management Transit

Polls, Society management, Vendor Fee Management, Visitor management, Bus conductor app, depot management, Management Booking service reconciliation © 2021 l TimePay® - Payments

Three sources of using TimePay payment solution: • Open / Customized API based • Mobile App and Portal Feature list in financial value chain • Physical QR • Auto calculation of amount • Invoice Generation Payment products • Interest and Penalty calculation • API based Web collect platform • Reminder based payment • Dynamic QR based payment API • Real time or Scheduled payment • Static QR based payment API • Partial payment • Recurring payment • Downloadable Static QR • Receipt • Downloadable dynamic QR • Reconciliation • Web collect solution • Books of accounts • Remittance • Compliance reports • Mandate • Wallets © 2021 l TimePay® App

© 2021 l Market Potential

₹2,162 Tn 1/3rd 23.8% Digital Payment Population Growth in Mobile #1 Market unbanked#2 Payments#3

800 Mn 6.65 Mn+ 2 Bn + #4 Mobile Users Kirana Stores#5 Monthly UPI Transactions#6

#1 FY 2019-20 (https://www.livemint.com/) #2 ’s Population Unbanked (https://nasscom.in/knowledge-center/publications/payments-landscape-india-solidifying-financial-transaction-process) #3 Global Mobile Payments from 2020-2025 (https://www.globenewswire.com/news-release/2020/06/03/2043142/0/en/Digital-Payments-Market-Growth-Trends-Forecasts-2020-2025.html) #4 160 Mn in 2020 to multiply by 5 times (https://yourstory.com/2020/08/digital-payments-market-india-grow--covid-19-red-seer) #5 In India (https://www.indiaretailing.com/2020/08/04/food/food-grocery/kirana-stores-the-new-heroes-of-indian-economy-during-covid-19/) © 2021 l #6 October 2020 (#) (https://www.financialexpress.com/industry/banking-finance/upi-crosses-2-billion-transactions-milestone-in-october-up-80-from-year-ago-value-nears-rs-4-lakh-cr/2118690/) Impact Empowering Hyper local Market & micro merchants

Solving collections issues High demand for for neglected Categories Digitization post Covid 19

Financial value chain for Payments platform to MSME under served

Creating secured Fintech platform for environment for public sector and small compliance and data banks security © 2021 l 9 7 year’s journey

NPST owns the Product IP for payment solution and the Merchant Platform – Product Mobile banking, IMPS, UPI, Merchant solution, Service aggregation

7 Years in operations I 6 years into Digital Payments for Banks Operations Profit making venture I Managing end to end product under Opex model for banks

3rd largest PSU Bank, 3rd largest Co-op bank, Largest RRB Experience Managed Merchant operations since inception and Technology platform for banks

8 million financial transactions per day I 5 million service request per day Scale Managing 6 million customer base with uptime over industry standards

© 2021 l Big Leap

NPST is now authorized** by NPCI to operate Payment solution and acquiremerchants Product We built TimePay® - UPI payment platform with business ERP to target Micro ecosystem.

Regulatory Approval from NPCI to launch Payment application I Direct link to all bank accounts I Signed sponsor bank Approvals Regulatory approved infrastructure, Security compliances andApplication

Order in place to digitize 42,000 Merchants (includes 2000 Societies) from Sponsorbank Order Book Retail sales growth is staggering at Tier 1 cities and below I Achieved 1,00,00 families in 6 months

More than 90% txns from community/society, doorstep merchants, micro and small merchants, collection in MSME segment,are untapped. Market Size Currently, UPI operates 2.2 billion txns per month. Auto and scheduled payments will drive it to 1 billion txns per day with merchant (revenue driven) contributing over 40% of the volume. Our platform has been built over last 2 years, went live 6 months back, offering these capabilities.

11 **Sign off received. Launch in progress. © 2021 l Our Clientele – ExistingVerticals

12 © 2021 l End of Presentation

For more details, Please reach us at – [email protected]

Network People Services Technologies Ltd.