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1. Engineered for scale and agility

2. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Contents
About Zaggle
The Problem with T&E
Zaggle EMS
Way Forward
1
2
3
4

3. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
NETWORK PARTNERS
Zaggle is one of the largest issuers of co-branded cards on the NPCI network
BANKING PARTNERS
1.7 Million +
Users
45 Million +
Prepaid Cards in Market
12,000 +
Merchant Relationships
3
Network Partners
A first mover and a leader
Corporate Clients
1750+

4. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
India’s leading SaaS-based B2B spend
automation and cards platform provider
Tailored offerings for small. medium and
large enterprises
Leader in B2B Spend Management

5. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Trusted by India’s leading corporates and banks

7. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
T&E is the 2nd largest operational expense after
payroll,
And yet corporates…
Source: Industry estimates
use manual processes
65%
do not track expenses
72%
8 + days for claim processing
70%
minutes- time to file expenses
23
claims delayed in approval
85% 48%
5% of claims violate policy expenses
advances settled in 45 days
75% 90%
reimbursements settled in 25 days

8. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Why is it so………….
Request
Expense
Travel
Budget
Booking
Advance
Report
Settlement
TMC
HRMS ERP
Manual
Audit

9. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
High cost and time of
processing expense
claims due manual
processes or siloed
systems
Inefficient Siloed
Processes
Reactive Fraud
Detection
Weak
Policy Controls
Poor
Visibility
Growing risk related
to cash leakages and
fraud risk with paper
invoices
Weak real-time
controls result in low
budgetary and policy
compliance
Poor visibility into
organization-wide
spends impedes
policy decisioning
Current expense workflows are manual, slow and costly

10. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Cash Advance
Management
Policy
Configuration
Analytics and Reporting Integrations
Travel and Expense
Management
SOLUTIONS
MOBILE &
WEB
PLATFORM
PERSONAS
Unified travel and expense management platform
Finance Head Budget Head
Employee
Employee
HR Head
Approving Manager
Policy Maker
Policy Maker

11. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Typical statistics in support of travel & expense automation
90%
Improvement in
compliance to expense
policy
Audit compliant
reduces compliance
overheads
65%
Reduction in cost of
processing expense
claims
100%
Businesses can save substantive time and cost and improve compliance by uniting expense claims,
travel management and cards into an integrated experience.

12. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Approve File Expenses
Route request
for approvals basis preconfigured
workflow
Raise expense claims
Automatic alerts for out-of-
policy expenses
HOW IT WORKS?
Travel request
Raise travel request; specify travel
preferences
Simple 4 step process for employees
Capture
Scan receipts, for
automatic expense
creation
Advance expense management paired with travel capabilities

13. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Delivers comprehensive enterprise-wide benefits
Strengthens policy oversight and enforcement
Real-time visibility improves expense planning and budgeting
100% auditory compliance
Transparent processes deepen employee engagement
Single-click employee onboarding
Visibility into expense patterns helps align policies with
evolving business needs
Approve expenses on the move
Save time spent on reviewing expense claims
Stay on top of team spend and enforce better
compliance with budgets
File expenses on the go – mobile and web app
Paperless experience to scan, create and submit
expenses from anywhere
Real-time visibility into reimbursements saves time on
follow-ups
Finance
HR
Approver
Employees

14. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
All-in-one functionally rich solution
Ready-to-use policy templates
Rule-based policy
configuration engine
Real-time accrual
management
Exception workflows
Set spend limit for each
expense category
Receipt management
Claims filing rules for each
expense type
OCR expense capture
Automated travel allowance
rules
Configure approval workflows
Email and mobile approvals
Automated GST tracking
Transaction dashboards
Expense reports
Card reports
Fraud reports
Policy exception reports
Operations reports
POLICY MANAGER T & E MANAGEMENT ANALYTICS

15. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
All-in-one functionally rich solution
Duplicate fraudulent claims
checks
Real-time GPS mileage tracker
Policy violation alerts
Card spend controls
Activate card
Scan expense – OCR
GPS mileage tracker
View transaction history
Request advance
View reimbursement status
Real-time card transaction and
balance feeds
In-app notifications
FRAUD DETECTION EMPLOYEE APP

16. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
Rapidly expanding base of partner services maximizes
customer value

17. © 2022 ZAGGLE. ALL RIGHTS RESERVED.
The Zaggle EMS advantage
Well-defined roadmaps
and speed of innovation
Subscription-based models
with predictable,
transparent pricing
A decade of experience in the
spend automation space with
1,800 corporate customers
Compliant with in-country
regulation - data privacy, card
issuance and security
Added value services travel
aggregators, card issuance
platforms and banks
Post-implementation
support for customers

18. THANK YOU
REGISTERED OFFICE
ZAGGLE PREPAID OCEAN SERVICES PVT LTD
CSR ESTATE, PLOT NO.8, SECTOR - 1 HUDA
TECHNO ENCLAVE, HITEC CITY, HYDERABAD,
TELANGANA - 500081 © 2022 ZAGGLE. All rights reserved.
www.zaggleems.com