Novopay's digital distribution solution allows businesses to provide banking services through retail stores and applications without visiting bank branches. It features a comprehensive platform that includes agent management, payment processing, and analytics, enabling enhanced customer experiences across various financial services. The solution adopts a SaaS model and promotes compliance while supporting innovations in payments, lending, and insurance.

1. Novopay Digital
Distribution Solution

2. Confidential © Novopay Solutions Private Limited 2
Novopay Digital Distribution
The Digital Distribution suite enables companies to power their Business Correspondent
(BC) & Business Facilitator (BF) business, in turn enabling Retail Kirana stores and other
distribution points to offer banking services to consumers in their neighborhood or in
their App without the need to visit a bank branch.
Envisaged on a SaaS philosophy, this is a comprehensive offering to enable faster
delivery of innovative products and services in new areas of payments, lending, deposits
and insurance

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Digital Distribution Components
Digital Distribution
Platform
Agent App Analytics & Dashboards BYOD Device Support
Android SDK Implementation Services Cloud Deployment DevOps
API Sandbox Dedicated Team Product Updates

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Digital Distribution Platform
App Portal for Retailers
Prepaid Funding by
Retailers & Distributors
Basic Infrastructure
Assisted Selling
Last Mile Payments &
Collections
Everyday Banking
Robust BC
Management (BCMS)
Custom Workflows Risk & Compliance
Open API/ μService
Framework
AI/ ML Workbench Underlying Magic

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Digital Distribution Services
Banking Payments Financial Services Other Services
Deposit
Withdrawal
Balance enquiry
Money Transfer
DTH Recharges
Prepaid Recharges
Bill Payments
microATM
Datacard Recharges
Insurance
Mutual Funds
Savings Account
Recurring Deposit
Account /FD/RD
Opening
Cash Management
Lending
OTT Streaming
Assisted eCom
DigiGold
UPI/ QR Acquiring
Travel Booking
Healthcare

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Comprehensive BCMS
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Transaction Engine and Limits
Scalable and message driven transaction engine.
Configure and and manage limits for transactions,
agents and products
Document and Inventory
Manage all documents and device inventories
Pricing and Commissions
Manage your commissions to your agents / BCs.
GL and Accounts
Manage GL, internal accounting, taxes and GST
Products
Configure products and related master data. Setup
product limits, pricing etc.
Industry Adapters
Plug and play adapters for AEPS, IMPS, eKYC,
Authentication, Recharge. Easily add new products by
adding adapters

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Comprehensive BCMS
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Corporate and Agent
Set up your extended BC network and agent network.
Office Management
Setup your entire organisation, employees, roles and
permissions
Master Data Management
Comprehensive master data management system
Settlements and Recon
Well managed real time and batch processes for
settlement and recon with bank systems
Field Force Management
Manage your feet on street to onboard agents onto
your platform. Onboarding app integrated with agent
onboarding

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Agent App
Pay and Collect
Khata Book
Assisted eCom
Loans
Recharge & Bill Payments
Invest
Insurance & Healthcare
Retailer Account

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Agent & Admin WebApp
Retailer Web App Ops Portal for Monitoring Txns
Admin Portal for Retailer Onboarding

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Analytics based real-time insights
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Business & Ops Dashboards
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Comprehensive device support
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BYOD Phone + Integrated
Fingerprint Scanner, Printer
Aadhaar Compliant Biometric
Sensors
Iris Tab + Printer

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Digital Distribution Solution
Architecture

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Business Microservices

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Single Platform for differentiated engagement
models
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Individual BCs Corporate BC Large Corporate BC
Individual BCs / Technically
un-evolved Corporate BCs -
will be using the APK provided
bby Novopay
Corporate BC’s with
moderately evolved or
technology will use the APK
provided by Novopay or
Integrate with APIs exposed
Large Corporate BC’s can
integrate with the banking
applications vis API’s exposed
by Novopay

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Common Technology Platform for Distribution
Ecosystem
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A Common Technology
Platform to engage with all
Agents
Quick onboarding of multiple
Corporate BCs
Rapid Deployment of new
enhancements and features
Easy to ensure compliance to
Regulations

17. Thank You