This document provides an overview and summary of PayNet's mobile banking and digital payment services. Some key points: - PayNet offers a full-featured digital banking platform for launching mobile banking apps and services. Their platform provides core banking features, loyalty programs, card services, and integrations. - Their platform is highly secure, with features like role-based access controls, encryption of all data transmission and storage, input validation, and logging/alerts. It is PCI/DSS certified. - PayNet promises high uptime of 99.95% and guarantees this through penalties. Their services are hosted on tier-3 datacenters and regularly audited for compliance. - The platform allows

1. Introduction:
Mobile Banking Services
All product names, logos, and brands are property of their respective owners. All company, product and service names used in this document are for identification purposes only.

2. PayNet’s Advantages
Service Uptime Guarantee
• PayNet guarantees a
99.95% service
availability.
• Backed by
commercial penalties.
• Never face bandwidth
or processing
resource shortages.
• All services hosted in
a Tier-3 datacenter.
• PayNet is PCI/DSS
certified.
• Audited quarterly to
ensure compliance.
• Ready to integrate
with Visa/Master
gateways.
• Benchmarked by the
industry’s most
trusted QSA.
1 2 3
• Pay-As-You-Use
model.
• No hardware or AMC
expenses.
• Highly modular
service bouquet.
• Customers can
integrate their own
Apps, BI tools, and
web UI.

3. PayNet Digital Banking
Deliver a great Banking Experience to your Customers.
“The goal as a company is to have customer service that is not just the best but legendary.”
- Sam Walton

4. Mobile Banking on PayNet
Cost
Reduction
IT Security
Revenue
Enhancement
Customer
Experience
Reduce Operational Overheads
• Reduce branch office walk-ins.
• Provide customer self-service tools.
• Make information fast and easy to
access.
• Digitize and automate procedural
tasks.
• Reduce marketing costs with
targeted ads over digital channels.
Increase ARPU
• Provide revenue generating services
like top-up, bill pay, etc.
• Earn commissions on retail
payments via digital channels.
• Create cross-sell and up-sell
opportunities.
• Push new services and products to
customers.
• Provide services at any location.
Create Customer Delight
• Enable anytime/anywhere banking.
• Innovative and attractive apps make
the banking experience relaxing and
engaging.
• Provide real-time updates on
Customers money.
• Provide customized notification and
alert services.
To Serve and Protect
• Ensure compliance to latest banking
security guidelines.
• Provide multi-layered security to
prevent and block malicious
activities.
• Perform regular 3rd party audits to
maintain security levels.

5. Digital Banking Channels on PayNet
User Management Services. How we help you focus on the Customer; increase engagement, and reduce churn.
Conventional Banking Channels
Branch Office
Teller
Net Banking ATM
Cards
Retail Mobile
Banking
Corporate
Tablet Banking
Affiliate/Agent
Banking
Mobile Money
Wallets
EMV POS
Devices
Closed Loop
Cards
PayNet Enabled Digital Channels
Vouchers &
Coupons
Banking IT Infrastructure
Core Banking
System
Card Management
System
ATM Switch Other Systems
GhIPSS Services

6. Mobile App Features
Fingerprint Log-In
Fast, easy, and
secure log-in.
Geo-Location Services
Locate
ATM/Branch/Merchants/
Agents
Pre-Login Services
Skip the Log-in. Access balance
check, top-up, bill pay like
services without logging in.
Meet Your Savings Goals
Set-up targets, get reminders,
and quick transfer money to
your savings products.
Track Your Spends
Search and Filter
Transaction records.
Service Request
Request services like check
book, cards, card block on
the App
Customize
Customize the app the way you
want it, so your customers can
bank with comfort and ease.
PayNet Pro Services
Tap-&-Pay, Scan-&-Pay,
Companion Cards, OTP, etc.
What you get with our Mobile Banking App

7. Mobile Banking Services
User Management Services. How we help you focus on the Customer; increase engagement, and reduce churn.
Banking Services
• Balance and details of all products including savings, checking, credit cards, loans, deposits, etc.
• Fund transfer services to accounts in same, and in other banks.
• Scheduled payments for transfers, merchant payments, school fees, rents, etc.
• Search and filter transactions based on types like Cheque, transfers, bills, deposits, etc.
App Based Services
• GPS based ATM, branch office, agent locator.
• Alerts via SMS, e.Mail, and in-app notifications.
• Fingerprint based authentication
• Menu driven service requests for loans, cards, cheque books, and other bank services.
• Favorites menu for quick access to frequently used transactions.
User Management Services
• eKYC and customer registration.
• Targeted customer campaigns for loans, cards, and other special offers.
• Create engaging loyalty programs and increase customer ARPU
• Create user groups to provide varied quality of services.

8. PayNet Mobile Banking Apps
• Go live in 45 days with our pre-built services.
• Collaborate with our App design consultants,
or design your own.
• PayNet provides APIs for using advanced
features like finger-print and face pattern
scanning.
• Intuitive and fresh App GUI’s provide the
richest customer experience in the market.
• Use phone camera and AI based OCR to
capture card, ID, and other details.
• PayNet Apps can be configured to work on
data and SMS channels.
All PayNet Apps comply with the latest
PCI/DSS and EMV certification
guidelines.

9. User Registration
User Management Services. How we help you focus on the Customer; increase engagement, and reduce churn.
Unlimited User Types
• Create user groups based on customer profiles:
Demographics, QoS, KYC, Organizational Role,
Etc.
• Offer Group-specific services: Discounts,
promotions, loyalty programs, etc.
• Focused BI & Reporting: Sharpen your analytics
with highly focused data-sets and reports.
Lifecycle Management
• Workflow based user registration-
activation-suspension management.
• Rapid-onboarding using social log-in,
biometrics, and ID.
• BI tools to identify behavior patterns
and initiate proactive measures.
• Seamless group transitions and status
management.
API Based Services
• Access global services via the PayNet
API.
• Keep your services relevant and up-to
date.
• Add new services with minimal go-to-
market lags.
• Create your own services for 3rd
parties.
Unlimited Products
• PayNet provides one of the most customizable
product creations suites in the world.
• Wallets with interest functions like savings,
deposits, loans, etc.
• Multi-currency support for cross-border
payments.
• Rule based loyalty programs.

10. PayNet Cards
Service Description
The PayNet Cards module provides a complete suite of tools and
services that make it possible for service providers to launch real
and virtual card services. PayNet’s card module can be used along
with our other services like wallets, mobile banking, and loyalty, or
can be used as a stand-alone service with your existing platform via
our APIs.
Applications
Business Benefits
• Branding
• Increased customer engagement
• Access to additional services like POS, ATM, etc.
• Explore new customer segments like campus cards for
schools/colleges, corporate users.
Types of Cards
• NFC
• Mag-stripe
• Chip card
• CVV1 & CVV2
Compliance
• PCI/DSS
• EMV
• ISO/IEC 15693 NFC supported
• 3DES Encryption on all cards
Card Services
• Stored value cards
• Authentication cards
• PIN and OTP cards
• Pre-paid cards
• Companion card for authenticating at Agent and Merchant
POS.
• Identification card (NFC/Chip) at school/college campuses.
• Stored value card at food courts, school canteens, hospitals,
and office complexes.
• Virtual cards for eCommerce.
• Visa/Master cards for access to larger digital networks.
• Self branded closed loop cards
• Visa/Master issue and acquire
• Virtual cards
• Co-branded cards

11. PayNet Loyalty Programs
Loyalty Features On PayNet
🔅 Unlimited Points Types
Create multiple point types with different
labels and rules.
🔅 Points for Sign-up
Welcome your customers with points
creating a in-house motivator to sign-up
and register.
🔅 Points For Usage
Define formula based points awards for
various usage activities.
🔅 Points For Loyalty
Create rules for awarding points for
factors like age-on-network.
🔅 Points For Occasions
Use events like birthdays, festivals to
trigger point awards for customers.
🔅 Control Point Expiry
All points on the PayNet platform have a
pre-set expiry date, and sweeping
functions.
🔅 Co-Branded Points
PayNet allows you to create special
programs for merchant partners.
🔅 Point transfer and Conversion
PayNet allows for transfer of points
between customers, and conversion to
money or other point schemes.
🔅 Multiple Redemption Options
On PayNet the loyalty points can be
redeemed in multiple ways like pay with
points, purchase coupons, etc.
🔅 CRM Integration
PayNet provides seamless integration
with your CRM systems to integrate the
customer experience and provide better
information.

12. PayNet Scan-&-Pay
Fast
Secure
Convenient
PayNet’s QR code based scan
and pay service feature enables
banks to provide their
customers with a easy way to
make cashless payments at
merchant locations.
The solution can be deployed
solely on smartphones
eliminating the need for
expensive POS devices.
How does it work?
Step 1:
The merchant informs the customer of the amount to be paid.
Step 2:
The customer uses their PayNet app to scan the QR code
displayed by the merchant. The QR can be displayed on digital
screens or printed on large format paper for easy access.
Step 3:
The PayNet app scans and decodes the image auto-filling all
required information like Merchant ID, account details, etc.
Step 4:
The Customer uses their mPIN/biometric to authorize the
transaction.
Step 5:
PayNet completes the transaction performing all validations, and
applying rules if any on the particular transaction.
Step 6:
The Customer and the Merchant are notified of the successful
transaction.

13. PayNet Service Enhancements
NFC Cards & Tags
PayNet provides native support
for NFC tokenization and
authentication.
PayNet is interoperable with all
hardware NFC that follow the
ISO protocols.
QR Code Scan & Pay
The PayNet platform provides
support for dynamically
generated QR codes ensuring
security with a wide range of
merchant applications.
Financial Product Modelling
The PayNet platform comes built
with advanced financial product
modelling tools like interest
bearing accounts, loans and
mortgages, overdrafts, group
loans, and many more.
EFT POS Support
he platform comes with a wide
array of features and functions to
manage service peripheral
devices like POS, mobile phones,
tablets, etc. The platform provides
entire inventory management for
all business devices.

14. Digital Payment Ecosystem
PayNet provides a full-feature platform for managing 100% payment applications for Branchless banking and
Financial Inclusion organizations.
Banking Services
Admin
Console
Web
Savings
Accounts
Loan Accounts
Deposit
Accounts
Regulatory
Compliance
Reporting
User Management Integration Management PayNet Services
• Registration: KYC
• Agent/Customer/merchant Groups
• Roles & Permissions
• Lifecycle Management
• Document Management
• Channel Access
• Secure integrations
• IP white-listing
• Service access
• Authentication rules
• AML/CFT rules
• API Management
• NFC Cards
• Chip Cards
• Geo-location
• Multi-currency
• Payment vouchers
• Social media integrations
Access Services
Mobile
Apps
External Services Service Enhancements
Web
ATM/
Kiosk
Agents
eCommerce
Remittance
Payment
Gateways
Cards
ForEx
Geo-
Location

15. PayNet Security & Compliance
“If you spend more on coffee than on IT security, you will be hacked. What's more,
you deserve to be hacked”
- Richard Clarke

16. PayNet Security Overview
1. Access Control
Roles & Permissions
• Role based platform access.
• Combination of identifiers:
User-name, email, mobile,
PIN, tokens, etc.
• Channel specific identifiers
and passwords
• Policy based password, and
PIN management.
Session Management
2. Data Handling
• IP whitelisting for integrations,
and admin log-ins.
• No cookies for Session ID,
platform uses local storage.
• Configurable session time-out
• Channel specific session
authentication policy.
• Traffic throttling and queuing
for each channel.
• Permission based access to
stored data.
• All data is stored in AES 128-
bit and 256-bit key length
• Access Clients with 64-bit key
length
• Bcrypt ‘salted’ SHA2 hash to
store PINs and passwords.
Request Handling
• All requests are over
SSL/TSL
• Virtual keyboard with 128-bit
encryption.
• Logging of all request and
activity.
• OTP and transaction
password policy.
• 64-bit User ID hash
Data Storage
3. Malicious Activity
• Automated memory allocation
to prevent buffer over-flow
• JPA (via Eclipse-link) binds
all queries to eliminate any
SQL injection attack.
• Input validation does not
allow Canonicalization.
• Server-side sanitization
prevents XSS (persist)
threats.
• Log-in attempt limits reduce
effectiveness of brute-force
attacks.
• Granular permission controls
create big hurdles for
Elevation of Privilege.
• SSL/TSL and local session ID
storage prevent man-in-
middle, hijacking, and replay
attacks.
• Detailed time-stamp logging
for all system logins.
• Logging of all system
changes with User-ID and
time
• Secure log-storage
• Auto archival of legacy logs
• Session logs maintain IP
address, credentials
Data StorageData Storage
4. Logging & Alerts
Alerts
• Configurable alerts for more
than 50 event types.
• Alerts over SMS and email.
• Alerts can be sent to multiple
addresses.
• Alerts can be configured to
initiate automated damage
mitigation policies.
Unlike legacy platforms PayNet does not store user credentials, card information, and usage data on mobile phones or mag-cards. All data is
secured in SOC 3 certified data-centers.
Presented below is an overview of the security features built into the PayNet SaaS Platform.

17. Security & Compliances
PayNet Provides You On Of the Most Secure Service Delivery Ecosystems at a fraction of the cost.

18. Thank You!You can find us at www.paynet.pro
“The value of an idea lies in
the using of it.”
- Thomas Edison