4. Wiseasy Group is a leading global digital banking and payment builder. The
company aims to promote the innovation, development, and application of
digital banking solutions and payment technology worldwide by offering smart
fintech terminals and rich payment technology services which are able to reach
wider demographics with more convenience.
By December 2020, Wiseasy has provided fintech products and services to over
250 partners and agencies, including transformational banks, developing
acquirers and institutions, growing fintech companies, and expanding mobile
operators, in 67 countries and regions worldwide, covering dozens of industries.
Who We Are?
Wiseasy
IoT Ltd.
Wiseasy
Paycoo+
Ltd.
Wiseasy AI
Business
Unit
5. Wiseasy established
Internet Android
Terminal P2 launched
Android POS passed
CUP-P3
Started cooperation
with Apple Pay by
Apple 2.0 VAS
P3 won Red Dot
Design Award
Handheld Cloud
Business Terminal M1
launched
Intelligent Business
Terminal T1 launched
Handheld Could
Terminal M2 launched
P3 won IF Design
Award
Established a
production line in
Brazil
AI Service Terminal B3
launched
Smart Commercial
Terminal N5 launched
Mobile payment
solution Wise
Acquiring launched
First foreign subsidiary
established
Set up overseas factory
in Belarus
Overseas Technical support
center established in Morocco
Portable Financial Terminal QT
launched
QR code Payment Speaker QS1
launched
Digital Banking Solution Suite
launched (Wise Wallet, Wise
Cloud, Wise Acquiring)
Listed as Top 10 Mobile
Banking Solution Provider in
APAC 2020 by Banking CIO
Outlook
2012 2014 2015 2016 2017 2018 2019 2020
Our Journey
7. Certifications
Multiple international certifications provide full access to payment with
security and high-quality terminals.
Security Certification
Global Payment
Certification
National Payment
Certification
Electronics &Telecom
Certification
8. All You Need for Smart Business
ISO Standards to ensure product quality from A to Z
9. Smart POS Terminals
WISEASY P3 WISEASY P3 F1 WISEASY P3M WISEASY P3QT WISEASY P3K
WISEASY N5 WISEASY N5 F1 WISEASY N5M
WISEASY T1 WISEASY T1 F1
WISEASY QS
WISEASY BOT2 WISEASY BOT3
WISEASY D1 WISEASY D2 WISEASY D3
P
N
T D
Q
B
10. Wiseasy Digital Banking Solutions
Architecture
WiseCloud
PayCloud
Account Cloud
Message
Cloud
Wise World
Risk
Management
Cloud
Cloud
Infrastructure
Business Platform
Application
Software
Terminal Hardware
Bill
Payment
E-Top Up
Cash in
&
Cash out
EKYC
Wise
Cashier
Wise
Boss
Wiseasy
Wallet
Wise Match
System
Micro ATM
System
Telecom Billing
Platform
Unified Utilities
Billing Platform
Lottery
Platform
Acquiring
System
Mobile Wallet
Platform
Cash-in
Cash-out
Lottery
11. The Development Path of Digital Banking
Finance Service
Finance Innovation
Lifestyle Service
Platform Based
Payment Service
Account Based
(Connect Consumers and Agents)
(+ Connect Merchants, Industry Partners)
(+ Connect Financial Institutions)
Cash in Transfer Cash out
Buy airtime Entertainment Pay bill
Merchant Payment
e-Commerce
Credit(Consumer) Business Loan
Investment Insurance
Savings
Mobile Wallet Digital Counter Mobile Payment/Finance
Entrance to Build Digital Banks
Bank the unbanked (Account opening)
Basic financial service (Transfer &
payment)
Initialize the digital bank account;
Building Basic Network of Digital
Banks
Serve mobile wallet users (Deposit &
withdraw)
Develop the merchants as branches;
Build a digital bank basic service
network;
Strategic Focus on Building
Digital Banks
Expanding mobile wallet payment scenarios;
Provide value-added service and financial
service (public utilities payment/personal bill
payment/financial loans/wealth management）
12. Wiseasy Agency Banking
Wiseasy Agency Banking, a cost-effective digital banking solution based
on safe, professional and certified smart POS terminals and cloud
services which can greatly reduce the cost of bank business expansion by
grasping functions only physical counters could in the past. It can provide a
series of financial services, including account opening, transfer, deposit
and withdrawal, loan, insurance, bill payment, etc.
13. Bank/FI 3rd party service provider
Agent
Agency BankingWiseasy
Agent
. . .
. . . . . .
Customer Customer Customer Customer Customer
Agency Banking is an alternative distribution
strategy in which traditional retail banking and
financial institutions use authorized agents to
expand the branch network in a cost-efficient
manner. Goal of agency banking is to bank the
unbanked and provide very basic financial services
as cash-in, cash-out, transfer. Agency banking
promotes financial inclusion as it makes it possible
to reach more people and more locations in a very
cost-effective manner,.
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Fixed Deposit
Query
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
Customer
Agency Banking
15. System Workflow Diagram
Agent with WPOS-3
Powered by Wiseasy
Core Banking System
Customer
Open Account
Deposit/Transfer/Withdrawl
Transaction
Settlement Report
Deposit Cash
Withdraw Cash
Settlement
Information Flow
Fund Flow
Wise Billing
Third Party Service Provider
Wiseasy Agency Banking
Request to Backend for
Processing Agency Banking
Back Office
16. FRONT-END AGENT APP PORTAL OPERATION MANAGEMENT SYSTEM
INTERFACE LAYER
CORE SERVICE
Agent Management Customer Management
Administration
Fee
Message Template
Commission
Reconciliation
Reporting
Dashboard
Cash Deposit Cash Withdrawal Transfer
Account Opening
Mini Program
Enquiry
Workflow
Security Setting Logs
Error Handling
Mini Statement
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
3RD PARTY SYSTEM
TELECOM
OPERATOR
UTILITIES
INSURANCE
TRANSPORT
TICKET
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
E-VOUCHER
BETTING
. . .
CBS
Wiseasy Agency Banking
Product Architecture
18. By 2025, we expect digital banking solutions to predominate around the world. Banks will revolutionize their customer
acquisition strategies and improved customer satisfaction by reducing overall costs both for banks themselves and their
customers.
Simplified Onboarding
24/7 Full-service banking
Cost Effective
Increased Personalization
Process Automation
Before After
Complicated process and offline
outlets were needed
Simplified process, semi-self-
handled onboarding
Serve limited customers at offline
outlets during business hours
Serve customers anytime,
anywhere
A lot of manpower and resources
are needed
Can not meet the personalized
needs of customers
Affected by human factors,
resulting in errors and losses
Serve your clients in a very cost-
effective way
Offer personalized services using
big data and machine learning
Process automation reduces
errors and costs
Wiseasy Agency Banking
Advantages
19. Case Study
– Micro Finance Service Solution
We provided smart POS terminals for the "Jin Xiang Tong" service network project launched by the Hunan Branch of China
Construction Bank. Based on WPOS-3, our terminals enable the service outlets to provide traditional financial services such as
assistance to farmers, small deposits, money transfer, card transaction, bill payment and other services to local county and
township citizens and farmers. Meanwhile, our terminals also empower the service outlets with the non-financial services such as
China Unicom SIM card activation, telephone bill payment, China Unicom electronic coupon consumption, logistics distribution,
etc.
China Construction Bank
20. Case Study
– Agency Banking Solution
For suburbs in India, Wiseasy provided FINO Payments Bank with an agency banking solution equipped with hardware and software.
Agency Banking application installed on Wiseasy P3 F1 was deployed in local communities to provide cash in, cash out, withdrawals,
cross border remittance and other financial services at agent outlets. This has given a new banking experience to the bank‘s
customers. To date, a good number of 1200 agent outlets has been established by the bank.
Wiseasy provides customized micro-finance solutions for community banks. Our handheld terminals
enable convenient living and financial services to reach a wider population.
Indian Fino Payments Bank
21. Wiseasy Wallet
Wiseasy Wallet, a cloud based mobile wallet that comes with a fine-
tuned mobile application as well as account and business management
portals. Wise Wallet offers basic financial services (account opening,
transfer, top-up, withdrawal), as well as value-added services
(applicable for bill payments, ecommerce platforms, etc.). Mobile wallet
has become fundamental for banks and financial institutions to digitize
accounts, businesses, and operating platforms.
22. Digital Wallet
Bank/FI
Digital WalletWiseasy
Payment Processor/Switch
Wallet User1 Wallet User2 Wallet Usern
…….
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Payment
Loyalty
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
In 2014, researchers from NYU’s Center of Genomics and System Biology
identified nearly 3000 types of bacteria from dollar bills. The pandemic is
fast forwarding us to a cashless society and making life harder for the
unbanked. With a digital wallet, unbanked users may yet the very basic
financial services like deposit, withdrawal, transfer and payment.
On the Go
Use your wallet to pay wherever you see the contactless symbol by
holding your phone up to the symbol on the terminal
Online
When shopping online, select digital wallet as your payment option at
checkout and pay by scanning the QR code in stead of entering card
information online
In App
Use your digital wallet to pay for bus, metro, taxi, groceries, food
delivery, morning coffee etc.
ATM
Add your debit card to your digital wallet and get cash or make deposits
using your phone at ATMs or agent booth. Scan/Tap for deposit and
withdrawl
23. Basic Functions
Merchant/Customer Onboarding
Card/Account Management
Transfer
Statement
Merchant Wallet Management
WiseWallet Backend
Customer Management
Payment Service Management
Operations
Accounting
Security Management
Enterprise Services
Agent Wallet Management
Commission Management
Project Management
Data Analytics
API for Agents and Merchants
Comprehensive Services
Loyalty
Loan Management
Interbank Transfer
Insurance
Bill Payment
Cross Border Remittance
Wiseasy Wallet
Function Modules
24. Wiseasy Wallet
System Workflow Diagram
Powered by Wiseasy
Processor/Switch/Bank
Wiseasy Wallet User
Open Account
Deposit/Transfer/Withdrawl Transaction
Settlement Report
Deposit Cash
Withdraw Cash Settlement
Information Flow
Fund Flow
Agent with WPOS-3
Other Banks/FI/Loan Provider
Settlement
Transaction
Settlement Report
Wiseasy Wallet
Back Office
25. Wiseasy Wallet
Mobile Application
(iOS & Android)
Back-end System
API
Gateway
API Gateway
Switch
Service
KYC
Service
Wallet
Service
Audit
Service
QR Code
Service
Merchant
Service
Agent
Service
Customer
Service
Transaction
Service
Accounting
Service
Commission
Service
Fees
Service
OTP
Service
Notification
Service
Dispute
Service
Customer
Case Service
Stand-in
Service
Reporting
Service
Merchant
Service
Loyalty
Service
Data Lake
BlockCahin
Distributed
Repository
CRM
Billing
Accounting
Administartion
SQL Databases Caching No SQL Databases Customer existing Databases
HSM / Data Integrity Control
System Structure
26. Virtual Wallet with unlimited possibilities
Easily complete the distribution of digital accounts
Extend payments to variety of offline scenarios
Comes with an in-house built h5 page
Modules are designed as micro services which can be
enabled and disabled anytime, anywhere
Wiseasy Wallet
Advantages
27. Case Study
– Wiseasy Wallet in School Scenario
Considering safety of children during global pandemic, we provided smart campus solution that’s a combination of digital wallet,
school management modules and smart POS terminals for cash in, cash out and payment. This solution has been adopted across
Thailand and deployed in 12 primary and high schools. A total number of about 17000 users which includes Students, Teachers,
school employees and Parents are using this solution proactively as it has provided new payment experience whereas others are still
paying with cash. User wallets can be topped up with any bank card as well as by cash in feature at an agent shop.
28. Wiseasy Acquiring System
Wiseasy Acquiring System, a one-stop mobile payment solution with
tailored merchant application and management portal that support
multiple mobile wallet systems simultaneously. Its transaction processing
system supports enormous transactions and flexible expansion, merchant
and agent management system can realize acquiring services of multilayer
agents and chain merchant accounts. Comes with a unified payment
gateway and advanced container technology that enables flawless remote
deployment on the cloud. It is a complete payment solution for banks
and acquiring institutions.
30. Wallet User
Scan QR Code
Merchant
Payment Request
Acquring
SystemWiseasy
Payment Request
QR Code Schemes
VISA
MasterCard
UnionPay
WeChat Pay
JCB
Alipay
Google
Pay
Acquiring Bank/Institution
Apple Pay
Payment Notification
Settlement Report
Reconciliation
Settlement
Information Flow
Fund Flow
Wiseasy Acquiring System
Transaction Workflow Diagram
31. Open Service Gateway
Payment APP API Registration Access Authentication API Service Router
Payment Services
Payment Processing Transaction Management
Payment Channel Acquiring Product
Agent Comission Contract Merchant Comission
Conract
Accounting Services
Reconciliation Merchant Settlement
Agent Settlement
Clearing Services Acquirier Settlement
Settlement
Merchant & Partner Services
Merchant Onboarding Agent Onboarding Store/Terminal Management KYC Work Order
Basic Services
User Management Role Management System Logs Fraud Management
Analytics
Transaction Data Analytics Agent Data Analysis Merchant Data Analysis Acuirer Statistics
Business
Management
Gateway
Operation Management Platform
Agent Platform
Merchant Platform
POS Application
Cashier Server
Static QR Code
H5 Checkout
Android/iOS Application H5 Mobile App Web Application
Merchant Sales System (ERP System)
Internal API Gateway Open API Gateway/SDK
Wiseasy Acquiring System
Function Modules
32. Merchant
Management
Platform
Merchant
Agent Service
Platform
Agent
White Label Merchant & Agent Management Middleware
Merchant & Agent Portal
Direct Merchant Acquisition and Onboarding Services
KYC Verification (Along with EKYC)
NAC Services
PG Integration Services
Terminal Management Services
Day to Day Merchant Operations Support through 24 X 7
Help Desk (Online/Offline Support)
Settlement Services
Reconciliation Services
Customized API’s, Dashboards and Reports
01
02
03
04
05
06
07
08
09
10
11
Wiseasy Acquiring System
Merchant & Agent Platform
33. Reduced financial & reputational loss
Reduced sophisticated fraud across channels
Lower operational costs
Reduced false positives
Regulatory compliance
01
02
03
04
05
Wiseasy Acquiring System
Fraud Risk Management
34. A complete mobile payment
operation system for acquiring
institutions
Products and services cover
online + offline full payment
scenarios
Perfect integration with Wiseasy
intelligent terminal management
tool
Payment service based on fully
open API design and cloud based
Payment as a Cloud Service
Provide complete basic operation services for mobile payment practitioners
Wiseasy Acquiring System
Advantages
35. Case Study
– Acquiring Platform
In 2018, Wiseasy provided Canada‘s payment service provider SnapPay with a one-stop payment solution. The whole solution was
deployed in AWS private cloud. With this solution, SnapPay is able to serve merchants and acquirers from a good number of
industries with multi-dimensional payment scenarios.
37. Micro Service Function Modules
Dynamic QR Static QR In App Payment H5 Payment Online Payment Quick Pay USSD Payment Pre-Authorization
Payment Product
Merchant Management
Wealth Management
Marketing Toolkit
Agency Banking
Open Connection
Onboarding Analyze Transaction Detail Store
Management
Clerk
Management
Terminal
Management
Settlement B2C Payment B2B Payment Overdraft Micro Loan Interest Product Insurance
Discount Coupon Cashback Buy Now Pay Later Loyalty Club
KYC On-boarding Micro ATM Utilities Bills Top up Game Points Distribution
Open API Web hook Facebook Instagram Link Bank Card
38. Wiseasy E-KYC Solution
The main key objective of Wiseasy E-KYC Solution is to create a standardized platform between Financial
Institutions to increase KYC quality and customer experience by a unified KYC process for participating Financial
Institutions .
Traditional KYC Wiseasy E-KYC
Live image capture (3D Face-
recognition)
Customer consent (Signature)
Optical Character Recognition
(Banks, Insurance)
Biometrics (thumb and index
fingerprint)
GPS positioning
Wiseasy E-KYC
39. Case Study
– Telecom E-KYC Solution
According to the actual application scenario of Algerian Mobile operator Djezzy, we provide a combination of hardware terminals
with integrated software solution, which supports the identification of multiple types of documents such as passports, ID cards,
driving licenses, etc., and further realizes the functions of electronic handwritten signature, A4-paper scanning, fingerprint
identification and receipt printing. With Wiseasy offerings, Djezzy caters to their need of a complete SIM card sales EKYC solutions,
which connects customer identification, SIM card activation and customer information retention under one terminal.
40. Wiseasy Cashier APP
A standard, flexible, stable payment application, with a complete bank card transaction capacity, mobile payment
capacity. It can be quickly connected to various payment systems, providing an excellent collection experience.
Wiseasy SDK Service
Secure Processor
Card Reader Printer Key
LED Buzzer … …
WiseCloud
DMS APP 3rd Party APP
Payment APP
Bank
Wiseasy Payment APP Architecture
41. Wiseasy Cashier APP - Capabilities
01
Bankcard Transaction
Purchase
Void
Refund
Reversal
Cash Back
Cash Advance
Balance Inquiry
Pre-Auth
05
Card Operation Type
Contact ICC
Contactless ICC
Magnetic stripe cards
09
Code Payment
POS scan customer
Customer scan POS
Inquiry
Refund
10
Code Payment Acquirer
WeChat
Alipay
UnionPay
MasterpassTM
KBZ Pay
…
04
Key Loading Device
Manual Input
From IC card
Download From Wise Cloud
Download From Bank Acquirer System
06
Param Config
Local Config
Import from SDCard
Download from Wise Cloud
Download from Bank Acquirer System
02
EMV
UPI
Visa
MasterCard
AMEX
JCB
Discover
MIR/RuPay/PURE/NSICCS
03
Key Method
MK/SK
DUKPT
08
Bank Acquirer System
ACI Postilion
OpenWay Way4
GIM UEMOA
HPS PowerCard
NAPS
S2M E-Gate
…
07
Protocol
ISO J8583
JSON
TLV
11
Printer
Local Printer
BT Printer
IP Printer(ESC/POS)
12
Multi-Languages
Chinese, English, French, Russian, Arabic, Spanish
Japanese
42. Wiseasy Cashier APP- L3 Certifications
Organization Certification Description Support
UnionPay
UTVT UnionPay Terminal Validation Toolkit Yes
UAC UPI Acquiring Certification Test Yes
Visa
ADVT Acquirer Device Validation Toolkit Yes
CDET Contactless Device Evaluation Toolkit Yes
MasterCard MTIP Terminal Integration Process(TIP) Yes
American Express
AEIPS American Express ICC Payment specification(AEIPS) for contact Yes
Express Pay ExpressPay for contactless Yes
Discover E2E Acquirer E2E from Discover Yes
