Intrasoft International presents its digital wallet ecosystems at the 7th Banking & Finance Forum, highlighting its expertise in fintech and the growing e-wallet market predicted to reach USD 2.1 trillion by 2023. The company offers a comprehensive fintech portfolio, including its core banking platform and open banking solutions aimed at enhancing customer experiences and decision-making through analytics. The document also discusses the impact of COVID-19 on digital payment trends, emphasizing a permanent shift towards contactless and e-wallet methods among consumers.

1. Digital Wallet Ecosystems
7th Banking & Finance Forum
26th of June 2020

2. Contents Roadmap
• INTRASOFT International
• Our Fintech Portfolio
• Our Digital Wallet Ecosystems

3. INTRASOFT International

4. Talent
• Attract the Best
• Continuous Development
• Culture of Leadership & Ownership
• Experts with Vast Experience
Innovation
• Analytics
• Machine Learning
Methodology
• Tailored Agile & DevOps
• ITIL
• Security
Subject Matter Expertise
• Customs
• Taxation
• Social Security
A Key Player in E.U.
Institutions & Agencies
for 20 Years
Established in 1996 in
Luxembourg, Operations
in 13 Countries
Outstanding Record in
Over 70 Countries
Around the Globe
• Telco
• Banking &
Finance
A Leading European IT Solutions
& Services Company
• Blockchain
• Cloud
Who we are in a nutshell …
Providing Configurable
& Bespoke Applications
- Managed Services

5. Operations
Headquarters
Luxembourg (LU)
Development Centres
– Outsourced Work
Athens (GR)
Thessaloniki (GR)
Patras (GR)
Amman (JO)
Bucharest (RO)
Brussels (BE)
Copenhagen (DK)
Offices
Nairobi (KE)
Boston (USA)
London (UK)
Ras al-Khaimah (UAE)
Sofia (BG)
Nicosia (CY)
Republic of South Africa (RSA)

6. Our Markets
Our Market Approach
• Strong Industry Focus
• Deep Business Know-How in Specific
Vertical Domains
• Standardized Solutions and/or Own
Products in Key Areas
EU Institutions Public Sector Enterprise
Our Achievements
• Leaders in Focus Areas
• Strong Players with Extensive Portfolio in
our Priority Markets
• Ensuring Maximum Value from IT
Investments for Our Clients

7. INTRASOFT International
Our Fintech Portfolio

8. PROFITS® Core Banking Platform
Customer
Product Oriented
Customer Centric
Omni-Channel
On Premise/Cloud
Product Factory
Tech Platform Agnostic
Modular Architecture
Open Architecture
Rule Driven Engine
3rd Party Integrations
Scalability

9. Our Fintech Portfolio
 iPROFITS®  Open Banking
Providing retail & corporate mobile and web banking
functionality.
Providing a common API gateway for third parties to connect to
banks and embrace PSD2 security standards.
 PROFITS® Omnichannel  Data Driven Decisioning
Providing a web service middleware adaptor layer to connect
and provide adaptors for all internal/external digital channels
and 3rd party systems of the Bank.
Helping financial institutions to embrace advanced analytics (AI,ML) for
credit risk, marketing needs and operational needs.
 PROFITS® for SACCOS  IFRS9
o Providinga maturebankingenvironmentformicro lendinginstitutions.
o Enablingsecure,fast andeasydigitalcustomerexperiences.
Providing IFRS9 automated solution for calculations and
compliance reports for financial institutions and corporations.
 PROFITS® on Cloud  Fintech Portfolio
PROFITS® modular functionality provided in a Software as a
Service (SaaS) model on Microsoft Azure Cloud.
Providing solutions for mobile anti-fraud, digital collaboration,
payments, as well as scalable microservices.
 Application Workflow  Digital Wallet Ecosystems
Providingautomatedapplicationworkflowsforinitiation,processingand
managementofapplication’slifecycle,basedonsystem-definedrulesand
conditions.
Providing componentized wallet ecosystems for financial
institutions for exceptional mobile payment experiences.

10. INTRASOFT International
Our Digital Wallet Ecosystem

11. The Landscape of Trends
Trends
 By the end of 2023, the global e-wallet market is expected to grow to USD 2.1 trillion with
a CAGR (Compound Annual Growth Rate) of 15%.
 Personalization, simplification, automation, that is already happening in banking &
finance, promoted by all types of financial institutions (traditional banks, challenger &
digital banks, eMIs, digital lenders, etc.), as well as in the telecoms and the insurance
landscape.
 Ubiquity, instant gratification is the new goal.
 New business cases continuously arise.

12. The Landscape of Enablers
Enablers
 The current digital banking & finance landscape offers numerous e-wallet products,
offered by non-banking institutions.
 The push by governments & regulatory authorities to encourage citizens to use digital
payment tools along with the convenience associated with using e-wallet apps is already
motivating the market growth.
 The big tech players are very active in this field, providing wallet features in their
frictionless customer journeys.

13. The Impact from COVID-19
18th of June 2020
Mastercard Inc. released a study showing consumers worldwide are using contactless and other digital
payments at record levels and moving away from cash due to concerns about COVID-19.
Moreover:
 Nearly 7 in 10 consumers globally expect to shift towards digital payment use on a permanent basis.
 Nearly half of them plan to reduce their use of cash, even after the pandemic threat subsides.
 64% of consumers in Europe say that tap-and-go is their preferred payment method.
 In the U.K., e-commerce represented an unprecedented 33% of total retail sales during April and May
2020.
 Payments companies, in short term, in hard-hit vertical sectors will face existential challenges, while
in long term e-commerce payments are set to boom on top of accelerated changes.
 In banking & lending, in short term challenger banks will probably suffer, while in long term a slow
down in online lending will lead to industry consolidation.

14. Our Product Offering
Open
Wallet
Semi
Open
Wallet
Semi
Closed
Wallet
Closed
Wallet
To be utilized by:  Financial Institutions – Banks
 Digital Banks – Payment Institutions
 Electronic Money Institutions
 Transportation
 Telecom Operators
 Insurance Firms
 Betting Companies
Ecosystems

15. Our Wallet Ecosystem Architecture

16. Our Wallet Ecosystem Services
Wallets
Retail Accounts
Corporate Accounts
Administrators
Teens
Instruments
Mobile App
Debit Card
Prepaid Card
Virtual Card
Customers
Onboarding
Registration
Management
UI - UX
Features
Load - Unload
Top Ups
Statements
PFM
Transactions
Payments - Transfers
P2P Transfers
P2P Requests
Purchases
Split Bills
Commissions
Configurable Fees
Commissions
Per Transactions
Fixed - Percentage
PoPs
Branches
Franchises
Agencies
ATMs
Open Banking
Aggregation
SCA
White Listing
Frictionless Flows

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Thank you for your attention!