Financial services delivery and access is undergoing a digital transformation across the globe with a new segment of consumers, known as millennials. At the same time, we still have around 1.2 billion people with poor access to banking products and services and are a potential set of future customers. Advancement in mobility has set mobile as the new medium and access as the new paradigm. This transformation offers a unique business opportunity to financial institutions – to transform their digital strategy in line with the consumer experience and consumer ask. FinX brings in an all-inclusive bank grade platform that equips these set of consumers with a low risk and easy to maintain pre-funded stored value account enabling them to perform multiple transactions including recharges, bill payments, ticketing, money remittance, coupons etc. FinX helps bringing frictionless payments to the consumers, hence creating a cohesive digital payments ecosystem and powers financial institutions to acquire new customers, tap-on long term loyalty with existing ones, and seize new revenue opportunities to increase their footprint in the market. FinX helps digital wallet issuers with the right technology to ensure that they are ready to meet the challenges of the ever-evolving digital wallet landscape.

1. FinX
Mobile Wallet Platform
Digital Payments for everyone

2. About FinX
Financial services delivery and access is undergoing a digital transformation across the globe with a new
segment of consumers, known as millennials. At the same time, we still have around 1.2 billion people with poor
access to banking products and services and are a potential set of future customers. Advancement in mobility
has set mobile as the new medium and access as the new paradigm. This transformation offers a unique
business opportunity to financial institutions – to transform their digital strategy in line with the consumer
experience and consumer ask. Teknospire helps businesses to tap this business opportunity with state of art
technology advanced, secure and scalable solutions.
The mobile wallet solutions space is gearing up for the next wave of mobile payments. FinX Mobile Wallet
Platform offers a comprehensive solution that caters to multiple consumer segments, including millennials,
unbanked and the underbanked. FinX brings in an all-inclusive bank grade platform that equips these set of
consumers with a low risk and easy to maintain pre-funded stored value account enabling them to perform
multiple transactions including recharges, bill payments, ticketing, money remittance, coupons etc. FinX helps
bringing frictionless payments to the consumers, hence creating a cohesive digital payments ecosystem and
powers financial institutions to acquire new customers, tap-on long term loyalty with existing ones, and seize
new revenue opportunities to increase their footprint in the market.
FinX helps digital wallet issuers with the right technology to ensure that they are ready to meet the challenges of
the ever-evolving digital wallet landscape.
Fast, convenient, with simple and straightforward
user experience throughout the transaction.

3. Money Remittance
Send & Receive Money across Banks
Recharges & Bill Payments
All Operators and Service Providers
Scan and Pay
through secure QR Technology
Cashbacks & Offers
Personalized offers for Customer Loyalty
Coupons & Ticketing
Buy online tickets for airline/movies etc.
Payment Successful
4 December 2018,04:30 PM
Transaction ID
P1418727663363
Paid to
Jonathan Trott
xxxx-xxxx-xxxx-9209
DONE
transactions sets – convenience
& inclusion

4. Good morning, Jonathan
Digi Bank WALLET LINKED TO
XXXX XXX 299
Available Balance
AED 650.00
J o n a t h a n T r o t t
Upcoming Payment
Bill Payment of Credit Card ending with 0024
AED 320.00 PAY
18.12.2018
Home Offers Scan & Pay Activity Account
add
money
send
money
request
money
split
money
UP TO
AED 100 CASHBACK*
On your 1st ever DTH recharge during the
offer period
electricity mobile dth credit card water
Self Registration
Customers can download the app and perform
self registration to quick start paying for bills or
services
Send & Receive
Customers can send & receive money to any
mobile number or to any bank account
seamlessly and securely
Recharges & Bill Pay
Customers can effortlessly purchase prepaid
services or make bill payments with great
experience and convenience
Manage Beneficiaries
Customers can manage their beneficiaries by
saving their account details within the app, once
configured, they can send money in One-Tap
Repeat Transactions
Customers can repeat previously performed
transaction in one-tap.
Transactional History
Customers can view the historical data of their
account and can apply various filters for efficient
searching.
Spend Analysis
Customers can view the spending pattern with
transactional break up across various services
Notifications
You can engage your customers by sending
promotional notifications which they can view
within the app in the notification section.
Merchant Payment
Customers can make payments from their device
to online and offline merchants using one-time
password or QR based mechanism.
Add Money
Customers can easily add money in to their
wallet accounts through internet banking, credit
card or debit cards
comprehensive wallet features for
your customers

5. wider digital reach through
Agents Digi Bank Agent what can we search for you?
1
Help Settings Alerts Logout
Last Login: Tuesday, 03 December 2018, 12:15 PM
> My Dashboard
> Load Money
> Account Opening
> Cash Deposit
> Cash Withdrawal
> Fund Transfer
> Mobile Airtime
> Electricity Token
> TV Recharge
> Council Payment
> Insurance Payment
> School Fee Payment
> Transaction History
> My Profile
> Change Password
Welcome back, Jonathan!
E-Cash Account Linked To
XXXX XXX 299
Available E-Cash Balance
AED 2,500.00
Refresh Balance
Recent Transactions
Fund Transfer
To: Veronica – XXXX XXX 989
House Rent Transfer
AED 100.00 Dr.
Cash Deposit
To: Alistair – XXXX XXX 627
House Rent Transfer
AED 50.00 Dr.
Add Money
Weekly Commission
AED 350.00 Cr.
Monthly Commission
AED 2,350.00 Cr.
Business Position
Interactive Business Dashboards
Agents can monitor their business health in terms of keeping a close watch
on sales and revenue.
Financial Services
Based on Agent type, an Agent can offer financial services like account
opening, deposits, transfers, withdrawals, insurances etc.
Value Added Services
Agents can earn lucrative commissions by selling various value added
services like airtime, recharges, coupons, electricity tokens etc. You can avail
commissions in real-time basis.
Float Management
Agents can easily manage their float/e-Value/Cash Value through standing
instructions. Based on the thresholds, system sends the reminder to top-up
their float.
Two Factor Authentication for Security
Each Agent is assigned with a unique login and transactional password. No
transaction can get processed without entering the unique transactional
password.

6. multiple features for
operations &
management
Interactive Business Dashboards
Platform users can monitor the business growth through various dashboards
& reports. Features like monitor running balances and account positions help
operations to view the prefunding arrangements and GLs in real-time.
Highly Configurable Operations Interface
Business operations can configure service level fees, taxes, discounts, user
access controls, customer and merchant management, transaction reversals,
monitor infrastructure and perform all system related settings efficiently.
Business Reports for Compliance
Business Operations can access various reports in accordance to the
requirement of the regulatory including audit trails, transactional reports,
customer account balance sheet etc.
Automatic Reconciliation
FinX Mobile Wallet Platform comes with integrated automatic reconciliation
capability. Once configured for various billers and third-party service
providers, business operations can get the exceptions without undergoing
any laborious manual process.
Digi Bank what can we search for you?
1
Help Settings Alerts Logout
Welcome back, Khaled! Last Login: Tuesday, 03 December 2018, 12:15 PM
Account Deposits
100
Total
Transaction
Successful
Transaction
Pending
Transaction
Failed
Transaction
93 0 7
My Dashboard
Monitor Running Balances
Check Accounts’ Position
Transactional Dashboard
Account Top-Up Dashboard
User Management
Account Management
Package Configuration
Product Configuration
Service Configuration
Admin Management
System Configuration
System Monitoring
Transactional Report
Reconciliation Report
Audit Trail
User Activity Report
Fund Transfer Report
Revenue Account Report
Merchant Payment
100
Total
Transaction
Successful
Transaction
Pending
Transaction
Failed
Transaction
93 0 7
Account Distribution
Customers
8,901
Merchants
1,100
Billers
320
Records Pending for Approval
10 View
Application Downloads
8,901(10% increase from last week)
Transactions Pending for Reversals
12 View

7. mobile wallet addressing 9 yards
User
Management
Self Registration for different account
types
---------------------------------------------------
Nil & Full KYC through in-built
Document Management
---------------------------------------------------
Package Configurations for different
sets of customers
---------------------------------------------------
Add money through internet banking,
debit and credit cards or over the
counter through merchant points
---------------------------------------------------
Sign-up and login through Social Media
channels
---------------------------------------------------
Spend Analysis view for financial
planning and setting recurring
payments
Transactions
Management
Bill Payments & Recharges through 3rd
Party API Integrations
---------------------------------------------------
Pricing Management at Micro-Service
Level
---------------------------------------------------
Tokenization for Scan and Pay
---------------------------------------------------
Add money through internet banking,
debit and credit cards or over the
counter through merchant points
Send Money to any mobile number;
non-registered customer can sign up
and claim
---------------------------------------------------
Manage family and friends as
beneficiaries for quick check-out
---------------------------------------------------
Request money within App from the
listed beneficiaries.
---------------------------------------------------
Receive money by sharing personal
QR code through social channels
---------------------------------------------------
Split Payments for dinners and quick
catch-ups
Money Transfers Value Addition
Repeat & Recent Transactions
---------------------------------------------------
Schedule Transactions
---------------------------------------------------
Cashbacks & Offers
---------------------------------------------------
Transactional Receipts and detailed
activity history with drill-down view
Security
PCI DSS ready
---------------------------------------------------
Lost Device handling
---------------------------------------------------
Two Factor Authentication

8. Omni-Channel
Experience
That sets you apart from others
Login Signup
Customer ID or Username
FinX-Customer
Password
*************
click to continue
Forgot your password?
Digital Wallet
1. Send Money
2. Recharge
3. Change PIN
4. Exit
Enter: 1

9. delighted partners

10. o Intuitive dashboard
o Billers Management
o Recharges & Bill Payments
o Send and Request Money
o Merchant Payments
o Personalization features
o Push Notifications
o Add Money
o Split Payments
o Digital customer onboarding
o QR Payments
o Transaction History with drilled down view
o Recent & Repeat Transactions
o Spend Analysis
o Cashbacks & Offers
KEY PROPOSITION
Accelerate innovation and revenue growth
It offers a robust platform to accelerate mobile-led innovation. It brings along
a comprehensive suite of capabilities to give you a head start, while also
providing a robust development platform to extend the solution
independently to meet ever evolving business requirements.
Delight customers with new-age banking experience
The platform offers a broad range of differentiated capabilities to enhance
customer experience and to boost your up-sell/cross-sell success. Through
features like QR payments, alerts and notifications the platform makes it
easier for consumers to serve themselves through mobile devices.
Serve all customer segments effectively
A unified platform to design and deliver hybrid apps to serve retail, small
business and corporate customers. It ensures rapid launch of various
common features across customer segments, while also reducing cost of
deployment and maintenance of various mobile apps.
Future ready architecture
The solution houses a micro-services based architecture, which makes the
platform easy to deploy and scale. The solution supports a cloud-ready
architecture improves efficiency enabling resource pooling, state less
services, and flexible topology as well enables faster scalability

11. Offers a white-labeled solution
with easy customization
Pre-integrated geo
management, analytics and
campaign management
Enables hyper-local
commerce Supports rapid addition of new
features without disruption in
business operations

12. founded in
2015
global deployments
15
processed transactions
20 million+
Teknospire, is a FinTech company, based out of India, solving the banking/payments digitization through our flagship
platform “FinX”. We work with Financial Institutions and provide them with lean technology platform to enable them taking
their products and services to consumers, digitally. We partner with financial institutions and business houses with last mile
reach, across the globe, and deploy our platform “FinX” as SaaS offering. We operate as technical partners on licensing /
revenue share model OR Joint Venture with the local operational entities.
Given the role of digital financial services in the developing and under-developed economies, the opportunity to extend
banking services to underserved and unbanked segments has been apparent for several years and is reflected in the
uptake of financial services in diverse markets globally. Taking this opportunity of providing financial services with cutting
edge futuristic technology, we have designed FinX – Digital Financial Services Platform which enables our business
partners to serve the needs of both banked and unbanked customers in their respective geographies through OMNI
Channel Digital Banking Ecosystem.
OUR VISION
Enable Financial Inclusion for every individual, while they
come together to build cashless societies!
OUR MISSION
To innovate and evolve the financial transaction platforms
into highly scalable and secure systems, while driving the
costs down.
OUR CORE VALUES
Customer Service Orientation
Customers are our most important asset and therefore it is vital we
satisfy and meet their expectations sustainably.
Achievement and Drive to Succeed
We are goal-oriented, therefore we recognize and reward the
achievement of goals and targets.
Honesty & Integrity
We value relationships primarily based on honesty and integrity.
By conducting ourselves and the way in which we do business
with honesty and integrity, we create trust which is a key driver to
maintaining all stakeholder relationships.
Collaboration
Consulting and working together as a team towards a common
goal ensures that we can achieve the company’s objectives, while
continuing to develop sustainable value propositions for each
stakeholder grouping.

13. DIGITAL COMMERCE & PAYMENTS
A robust scalable platform that enables a variety of services including airtime top-ups, bill payment, P2P,
loyalty and gifting, merchant payments (P2B), B2B supply chain management and cash disbursement
(G2P and B2P).
DIGITAL BANKING
Offering a broad spectrum of financial services anywhere and anytime by providing seamless omni-
channel, digital-based banking services across the Web, mobile, retail chains and agent networks.
CONNECTED MONEY
Harnessing the mobile money opportunity by providing unbanked customers with a secure, convenient
and affordable way of sending and receiving money.
Want to find out more?
Request a free discovery workshop from Teknospire and one of
our experts will be in touch to book your 1-2-1 workshop.
teknospire.com | marketing@Teknospire.com