Wiseasy is a leading global digital banking and payment solutions provider. It offers smart POS terminals, digital banking solutions including Wiseasy Wallet, and agency banking solutions to banks and financial institutions. The solutions aim to promote financial inclusion by enabling the unbanked to access basic banking services through a network of agents. Wiseasy Wallet is a cloud-based mobile wallet that offers account opening, transfers, payments and other services to wallet users.
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
How Banking as a Service Will Keep Banks Digitally Relevant and GrowingCognizant
To contend with insurgent competitors, regulatory mandates and demanding consumer requirements, banks must embrace open APIs that enable them to plug-and-play in the digital business ecosystem and reinforce their value proposition amid escalating share-of-wallet challenges.
BaaS-platforms and open APIs in fintech l bank-as-a-service.comVladislav Solodkiy
What is bank-as-a-service? And why it is so necessary for Asia-Pacific region? Download as pdf in English, Chinese, Korean and Japanese on www.bank-as-a-service.com. Read more on http://www.forbes.com/sites/vladislavsolodkiy/2016/08/03/what-asian-banks-can-learn-from-amazon-about-working-for-fintech/
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
How Banking as a Service Will Keep Banks Digitally Relevant and GrowingCognizant
To contend with insurgent competitors, regulatory mandates and demanding consumer requirements, banks must embrace open APIs that enable them to plug-and-play in the digital business ecosystem and reinforce their value proposition amid escalating share-of-wallet challenges.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
In conjunction with Accenture, the Overseas Bankers Association of Australia (OBAA) Committee hosted a Thought Leadership Event in early August for OBAA members on the topic of Open Banking. Accenture has been spearheading research into the global adoption of Open Banking and the way in which it could revolutionise how banks generate value.
Find out more here: https://www.accenture.com/au-en/insight-open-banking-brave-new-world
Speakers:
Ronan Guilfoyle, Specialist Solutions Architect, AWS
Ramandeep Singh, Director, Solution Leader, Financial Services, Capgemini
PSD2 and Open Banking came into force this year with different levels of adoption across the industry. This session will show you how to run Open Banking APIs on AWS, the challenges and architectures, and why AWS makes sense for internet facing environments, even with a traditional on premise Core.
The Emergence of Open Banking and COVID-19Sam Ghosh
Think about Google if it were only collecting a lot of data but never used or shared that data with anyone. That is how the traditional financial service companies are - they have enormous amounts of data but rarely use that data for any tangible purpose. Dormant data with the financial service providers can be used to not only create new applications but revolutionize credit markets, personal finance, business finance, wealth management, etc. in ways we cannot even totally envisage now.
Open Banking is a practice where banks provide access to consumer data to non-affiliated third parties generally through Application Programming Interfaces or APIs. Open Banking in the coming years is expected to lead a paradigm shift in Banking and Finance.
During the pandemic, the demand side of the equation for Open Banking is rapidly developing with growth in fintech markets and the adoption of digital channels by the consumers.
Both banks and tech companies have immense incentives to grab this opportunity and quickly tap the growth in digital markets and channels.
Concerns about data security, compliance with privacy laws, and regulatory uncertainties are acting as impediments to the growth of Open Banking.
Banks need to act quickly to leverage data to increase their reach and role. Traditional banking is rapidly getting commoditized and banks need to add data-driven value-added services in their portfolio to remain relevant. Value-added services such as personal financial planning, the alternative credit assessment, and real-time payments can not only create new revenue sources for the banks but provide strategic moats in the competitive landscape. Banks can achieve this through strategic partnerships and acquisitions. In-house development is difficult given the cultural shift needed in the banking sector may take time. Apart from that, the IT in the banking sector is generally focussed on regulatory requirements and not data-driven, customer-focused as required for Open Banking initiatives.
Policy uncertainty can severely hamper the growth of Open Banking. Policymakers need to balance caution on security-privacy matters but at the same time clear policy confusion to allow the sector to grow.
As per the Akamai report, “2020 State of the Internet / Security: Financial Services – Hostile Takeover Attempts”, cyber attackers are increasingly targeting API endpoints of financial services.
As per a Gartner report, by 2021, APIs will account for 90% of the attack surface. By 2022, according to Gartner, API abuses will become the most-frequent attack vector.
This is a cause of concern for the Banks contemplating opening up data access using APIs.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
In recent months, many customers have been asking us the question – how to monetise Open APIs, simplify Fintech integrations and accelerate adoption of various Open Banking business models. Therefore, AWS and FinConecta would like to invite you to Open Finance marketplace presentation on October 20th.
Event Agenda :
Open banking so far (short recap)
• PSD2, OB UK, OB Australia, OB LATAM, OB Israel
Intro to Open Finance marketplace
• Scope
• Features
• Tech overview and Demo
The role of the Cloud
The Future of APIs
• Complying with regulation
• Monetizing data / APIs
• Business models
• Time to market
One platform for all: a Strategic approach
Q&A
The Click Pay Business Plan was a part of entrepreneurship course study in MBA. My plan was selected as the best plan for the year and it was later submitted to SMEDA (Small and Medium Enterprise Development Authority) for further checking and viability study.
This business plan provides details about establishing a payment gateway company in Pakistan. It includes details of financial planning with 3 years projected financial statements.
Mobile Wallet is a service that allows users to manage digitized values (offers, coupons, rewards within loyalty programs, ticketing, boarding passes, gift certificates, ID-cards or information about products and services) of different brands and makes it possible to make payments (with bank accounts, bank cards, and electronic money)
Introducing CorkVSoft- Fintech. We are a joint venture between Cork Information Technology Bahrain and VSoft Corporation USA
Have a glimpse at our overview page to know about us or follow our linkedin / webpage to know about our offerings
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
"Digital Banking" by Nikolay Spasov
The presentation was part of the 2016 Digital Marketing Masterclass organized by Interactive Advertising Bureau (IAB) Bulgaria and New Bulgarian University (NBU). The scope of the lecture is to present the current trends in banking and the available technologies that are supporting the industry.
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
In conjunction with Accenture, the Overseas Bankers Association of Australia (OBAA) Committee hosted a Thought Leadership Event in early August for OBAA members on the topic of Open Banking. Accenture has been spearheading research into the global adoption of Open Banking and the way in which it could revolutionise how banks generate value.
Find out more here: https://www.accenture.com/au-en/insight-open-banking-brave-new-world
Speakers:
Ronan Guilfoyle, Specialist Solutions Architect, AWS
Ramandeep Singh, Director, Solution Leader, Financial Services, Capgemini
PSD2 and Open Banking came into force this year with different levels of adoption across the industry. This session will show you how to run Open Banking APIs on AWS, the challenges and architectures, and why AWS makes sense for internet facing environments, even with a traditional on premise Core.
The Emergence of Open Banking and COVID-19Sam Ghosh
Think about Google if it were only collecting a lot of data but never used or shared that data with anyone. That is how the traditional financial service companies are - they have enormous amounts of data but rarely use that data for any tangible purpose. Dormant data with the financial service providers can be used to not only create new applications but revolutionize credit markets, personal finance, business finance, wealth management, etc. in ways we cannot even totally envisage now.
Open Banking is a practice where banks provide access to consumer data to non-affiliated third parties generally through Application Programming Interfaces or APIs. Open Banking in the coming years is expected to lead a paradigm shift in Banking and Finance.
During the pandemic, the demand side of the equation for Open Banking is rapidly developing with growth in fintech markets and the adoption of digital channels by the consumers.
Both banks and tech companies have immense incentives to grab this opportunity and quickly tap the growth in digital markets and channels.
Concerns about data security, compliance with privacy laws, and regulatory uncertainties are acting as impediments to the growth of Open Banking.
Banks need to act quickly to leverage data to increase their reach and role. Traditional banking is rapidly getting commoditized and banks need to add data-driven value-added services in their portfolio to remain relevant. Value-added services such as personal financial planning, the alternative credit assessment, and real-time payments can not only create new revenue sources for the banks but provide strategic moats in the competitive landscape. Banks can achieve this through strategic partnerships and acquisitions. In-house development is difficult given the cultural shift needed in the banking sector may take time. Apart from that, the IT in the banking sector is generally focussed on regulatory requirements and not data-driven, customer-focused as required for Open Banking initiatives.
Policy uncertainty can severely hamper the growth of Open Banking. Policymakers need to balance caution on security-privacy matters but at the same time clear policy confusion to allow the sector to grow.
As per the Akamai report, “2020 State of the Internet / Security: Financial Services – Hostile Takeover Attempts”, cyber attackers are increasingly targeting API endpoints of financial services.
As per a Gartner report, by 2021, APIs will account for 90% of the attack surface. By 2022, according to Gartner, API abuses will become the most-frequent attack vector.
This is a cause of concern for the Banks contemplating opening up data access using APIs.
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
Digital redefinition of banking banking transformationDraup
The increase in the number of digital use cases in the banking and financial services industry has led to the emergence of newer digital hotspots in the US. States such as Minnesota, North Carolina, Texas, and California have a high density of mature talent specializing in these digital cases. These digital use cases have also given rise to new hotspots in neighbouring states such as Iowa, Arizona, and Ohio. Bank of America, Wells Fargo, and JP Morgan Chase have capitalized on this rapid digitalization to create solutions in anti-money laundering, digital wealth management, information security, cloud technology.
Analysing the Digital Maturity of Top US Banks
The digital maturity of banks and financial institutions has been measured by their competency in innovation which includes their competitive intensity and growth potential and assessing their capabilities in terms of talent scalability and maturity of skills in new age technologies. By these parameters, firms such as Bank of America, Wells Fargo, Citi, and Capital One have identified as digital leaders while Union Bank, First Republic Bank, HSBC US have been relatively slower in the digital race.
Case-by-Case Analysis of Banking Transformation
Bank of America:
Bank of America has over 14 digital centres with over 76% of the digital talent based out of centres located in the US. The 4,000+ digital workforce is involved in functions such as app development, analytics, security, and cloud. Bank of America is one of the few leading banks looking to increase the digital capabilities of all its bank branches through interactive systems that need very little human intervention. Some branches are also fully automated equipped with an interactive teller machine and a video conferencing room.
Citi Group:
Citi is taking cues from its innovation labs that are involved in developing cutting-edge solutions such as beacons. The firm’s 3,500+ digital talent pool is predominantly based out of North America. The bank’s smart branches are equipped with interactive media walls that display local weather, stock information, and financial updates. Citi announced their partnership with Nasdaq which was formed to create payment systems that use DLT (Distributed Ledger Technology) to record payments.
Wells Fargo:
The firm’s large 7,500+ digital workforce is largely consolidated in the United States with sporadic distribution in India as well. The firm has 15 digital centres with only 2 of them located outside the US i.e. in Hyderabad, and Bengaluru. Over 28% of digital talent is involved in new-age solutions such as RPA, Blockchain, IoT and AI.
In recent months, many customers have been asking us the question – how to monetise Open APIs, simplify Fintech integrations and accelerate adoption of various Open Banking business models. Therefore, AWS and FinConecta would like to invite you to Open Finance marketplace presentation on October 20th.
Event Agenda :
Open banking so far (short recap)
• PSD2, OB UK, OB Australia, OB LATAM, OB Israel
Intro to Open Finance marketplace
• Scope
• Features
• Tech overview and Demo
The role of the Cloud
The Future of APIs
• Complying with regulation
• Monetizing data / APIs
• Business models
• Time to market
One platform for all: a Strategic approach
Q&A
The Click Pay Business Plan was a part of entrepreneurship course study in MBA. My plan was selected as the best plan for the year and it was later submitted to SMEDA (Small and Medium Enterprise Development Authority) for further checking and viability study.
This business plan provides details about establishing a payment gateway company in Pakistan. It includes details of financial planning with 3 years projected financial statements.
Mobile Wallet is a service that allows users to manage digitized values (offers, coupons, rewards within loyalty programs, ticketing, boarding passes, gift certificates, ID-cards or information about products and services) of different brands and makes it possible to make payments (with bank accounts, bank cards, and electronic money)
Introducing CorkVSoft- Fintech. We are a joint venture between Cork Information Technology Bahrain and VSoft Corporation USA
Have a glimpse at our overview page to know about us or follow our linkedin / webpage to know about our offerings
Velmie is a financial technology provider that has been on the market for more than 8 years delivering back end, mobile and web solutions to enterprise financial institutions and entrepreneurs. During the journey, we’ve got a deep understanding of the current state of technology in finance and the biggest problems organizations are facing with pursuing the customers' demand and competition. With this in mind, we decided to put our efforts in building the products to help the financial companies to innovate, stay agile and customer-centric.
Velmie is a financial technology provider that has been on the market for more than 8 years delivering back end, mobile and web solutions to enterprise financial institutions and entrepreneurs. During the journey, we’ve got a deep understanding of the current state of technology in finance and the biggest problems organizations are facing with pursuing the customers' demand and competition. With this in mind, we decided to put our efforts in building the products to help the financial companies to innovate, stay agile and customer-centric.
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
presentation give you idea about the the recent trends in financial sector services from different financial tool which are being used by investment institution
Empower financial inclusion with branchless bankingNikunj Gundaniya
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
DigiPay has earned its reputation as a technology
solution provider with a global market approach
for Fintech Solutions. DigiPay leverages
cutting-edge technologies to deliver superior
FinTech solutions that cater to Non-Banking
Financial Institutions, Enterprises, Banks, MNOs
and Telcos.
Technology Changing The Face Of MicrofinanceJohn Owens
Technology is now changing the face of microfinance by providing new ways to provide financial services to low income households.
This presentation was given at the InterPacific Bar Association Annual Conference in Manila, Philippines on April 30, 2009.
Book Formatting: Quality Control Checks for DesignersConfidence Ago
This presentation was made to help designers who work in publishing houses or format books for printing ensure quality.
Quality control is vital to every industry. This is why every department in a company need create a method they use in ensuring quality. This, perhaps, will not only improve the quality of products and bring errors to the barest minimum, but take it to a near perfect finish.
It is beyond a moot point that a good book will somewhat be judged by its cover, but the content of the book remains king. No matter how beautiful the cover, if the quality of writing or presentation is off, that will be a reason for readers not to come back to the book or recommend it.
So, this presentation points designers to some important things that may be missed by an editor that they could eventually discover and call the attention of the editor.
Top 5 Indian Style Modular Kitchen DesignsFinzo Kitchens
Get the perfect modular kitchen in Gurgaon at Finzo! We offer high-quality, custom-designed kitchens at the best prices. Wardrobes and home & office furniture are also available. Free consultation! Best Quality Luxury Modular kitchen in Gurgaon available at best price. All types of Modular Kitchens are available U Shaped Modular kitchens, L Shaped Modular Kitchen, G Shaped Modular Kitchens, Inline Modular Kitchens and Italian Modular Kitchen.
White wonder, Work developed by Eva TschoppMansi Shah
White Wonder by Eva Tschopp
A tale about our culture around the use of fertilizers and pesticides visiting small farms around Ahmedabad in Matar and Shilaj.
4. Wiseasy Group is a leading global digital banking and payment builder. The
company aims to promote the innovation, development, and application of
digital banking solutions and payment technology worldwide by offering smart
fintech terminals and rich payment technology services which are able to reach
wider demographics with more convenience.
By December 2020, Wiseasy has provided fintech products and services to over
250 partners and agencies, including transformational banks, developing
acquirers and institutions, growing fintech companies, and expanding mobile
operators, in 67 countries and regions worldwide, covering dozens of industries.
Who We Are?
Wiseasy
IoT Ltd.
Wiseasy
Paycoo+
Ltd.
Wiseasy AI
Business
Unit
5. Wiseasy established
Internet Android
Terminal P2 launched
Android POS passed
CUP-P3
Started cooperation
with Apple Pay by
Apple 2.0 VAS
P3 won Red Dot
Design Award
Handheld Cloud
Business Terminal M1
launched
Intelligent Business
Terminal T1 launched
Handheld Could
Terminal M2 launched
P3 won IF Design
Award
Established a
production line in
Brazil
AI Service Terminal B3
launched
Smart Commercial
Terminal N5 launched
Mobile payment
solution Wise
Acquiring launched
First foreign subsidiary
established
Set up overseas factory
in Belarus
Overseas Technical support
center established in Morocco
Portable Financial Terminal QT
launched
QR code Payment Speaker QS1
launched
Digital Banking Solution Suite
launched (Wise Wallet, Wise
Cloud, Wise Acquiring)
Listed as Top 10 Mobile
Banking Solution Provider in
APAC 2020 by Banking CIO
Outlook
2012 2014 2015 2016 2017 2018 2019 2020
Our Journey
7. Certifications
Multiple international certifications provide full access to payment with
security and high-quality terminals.
Security Certification
Global Payment
Certification
National Payment
Certification
Electronics &Telecom
Certification
8. All You Need for Smart Business
ISO Standards to ensure product quality from A to Z
9. Smart POS Terminals
WISEASY P3 WISEASY P3 F1 WISEASY P3M WISEASY P3QT WISEASY P3K
WISEASY N5 WISEASY N5 F1 WISEASY N5M
WISEASY T1 WISEASY T1 F1
WISEASY QS
WISEASY BOT2 WISEASY BOT3
WISEASY D1 WISEASY D2 WISEASY D3
P
N
T D
Q
B
10. Wiseasy Digital Banking Solutions
Architecture
WiseCloud
PayCloud
Account Cloud
Message
Cloud
Wise World
Risk
Management
Cloud
Cloud
Infrastructure
Business Platform
Application
Software
Terminal Hardware
Bill
Payment
E-Top Up
Cash in
&
Cash out
EKYC
Wise
Cashier
Wise
Boss
Wiseasy
Wallet
Wise Match
System
Micro ATM
System
Telecom Billing
Platform
Unified Utilities
Billing Platform
Lottery
Platform
Acquiring
System
Mobile Wallet
Platform
Cash-in
Cash-out
Lottery
11. The Development Path of Digital Banking
Finance Service
Finance Innovation
Lifestyle Service
Platform Based
Payment Service
Account Based
(Connect Consumers and Agents)
(+ Connect Merchants, Industry Partners)
(+ Connect Financial Institutions)
Cash in Transfer Cash out
Buy airtime Entertainment Pay bill
Merchant Payment
e-Commerce
Credit(Consumer) Business Loan
Investment Insurance
Savings
Mobile Wallet Digital Counter Mobile Payment/Finance
Entrance to Build Digital Banks
Bank the unbanked (Account opening)
Basic financial service (Transfer &
payment)
Initialize the digital bank account;
Building Basic Network of Digital
Banks
Serve mobile wallet users (Deposit &
withdraw)
Develop the merchants as branches;
Build a digital bank basic service
network;
Strategic Focus on Building
Digital Banks
Expanding mobile wallet payment scenarios;
Provide value-added service and financial
service (public utilities payment/personal bill
payment/financial loans/wealth management)
12. Wiseasy Agency Banking
Wiseasy Agency Banking, a cost-effective digital banking solution based
on safe, professional and certified smart POS terminals and cloud
services which can greatly reduce the cost of bank business expansion by
grasping functions only physical counters could in the past. It can provide a
series of financial services, including account opening, transfer, deposit
and withdrawal, loan, insurance, bill payment, etc.
13. Bank/FI 3rd party service provider
Agent
Agency BankingWiseasy
Agent
. . .
. . . . . .
Customer Customer Customer Customer Customer
Agency Banking is an alternative distribution
strategy in which traditional retail banking and
financial institutions use authorized agents to
expand the branch network in a cost-efficient
manner. Goal of agency banking is to bank the
unbanked and provide very basic financial services
as cash-in, cash-out, transfer. Agency banking
promotes financial inclusion as it makes it possible
to reach more people and more locations in a very
cost-effective manner,.
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Fixed Deposit
Query
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
Customer
Agency Banking
15. System Workflow Diagram
Agent with WPOS-3
Powered by Wiseasy
Core Banking System
Customer
Open Account
Deposit/Transfer/Withdrawl
Transaction
Settlement Report
Deposit Cash
Withdraw Cash
Settlement
Information Flow
Fund Flow
Wise Billing
Third Party Service Provider
Wiseasy Agency Banking
Request to Backend for
Processing Agency Banking
Back Office
16. FRONT-END AGENT APP PORTAL OPERATION MANAGEMENT SYSTEM
INTERFACE LAYER
CORE SERVICE
Agent Management Customer Management
Administration
Fee
Message Template
Commission
Reconciliation
Reporting
Dashboard
Cash Deposit Cash Withdrawal Transfer
Account Opening
Mini Program
Enquiry
Workflow
Security Setting Logs
Error Handling
Mini Statement
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
3RD PARTY SYSTEM
TELECOM
OPERATOR
UTILITIES
INSURANCE
TRANSPORT
TICKET
I
N
T
E
R
F
A
C
E
L
A
Y
E
R
E-VOUCHER
BETTING
. . .
CBS
Wiseasy Agency Banking
Product Architecture
18. By 2025, we expect digital banking solutions to predominate around the world. Banks will revolutionize their customer
acquisition strategies and improved customer satisfaction by reducing overall costs both for banks themselves and their
customers.
Simplified Onboarding
24/7 Full-service banking
Cost Effective
Increased Personalization
Process Automation
Before After
Complicated process and offline
outlets were needed
Simplified process, semi-self-
handled onboarding
Serve limited customers at offline
outlets during business hours
Serve customers anytime,
anywhere
A lot of manpower and resources
are needed
Can not meet the personalized
needs of customers
Affected by human factors,
resulting in errors and losses
Serve your clients in a very cost-
effective way
Offer personalized services using
big data and machine learning
Process automation reduces
errors and costs
Wiseasy Agency Banking
Advantages
19. Case Study
– Micro Finance Service Solution
We provided smart POS terminals for the "Jin Xiang Tong" service network project launched by the Hunan Branch of China
Construction Bank. Based on WPOS-3, our terminals enable the service outlets to provide traditional financial services such as
assistance to farmers, small deposits, money transfer, card transaction, bill payment and other services to local county and
township citizens and farmers. Meanwhile, our terminals also empower the service outlets with the non-financial services such as
China Unicom SIM card activation, telephone bill payment, China Unicom electronic coupon consumption, logistics distribution,
etc.
China Construction Bank
20. Case Study
– Agency Banking Solution
For suburbs in India, Wiseasy provided FINO Payments Bank with an agency banking solution equipped with hardware and software.
Agency Banking application installed on Wiseasy P3 F1 was deployed in local communities to provide cash in, cash out, withdrawals,
cross border remittance and other financial services at agent outlets. This has given a new banking experience to the bank‘s
customers. To date, a good number of 1200 agent outlets has been established by the bank.
Wiseasy provides customized micro-finance solutions for community banks. Our handheld terminals
enable convenient living and financial services to reach a wider population.
Indian Fino Payments Bank
21. Wiseasy Wallet
Wiseasy Wallet, a cloud based mobile wallet that comes with a fine-
tuned mobile application as well as account and business management
portals. Wise Wallet offers basic financial services (account opening,
transfer, top-up, withdrawal), as well as value-added services
(applicable for bill payments, ecommerce platforms, etc.). Mobile wallet
has become fundamental for banks and financial institutions to digitize
accounts, businesses, and operating platforms.
22. Digital Wallet
Bank/FI
Digital WalletWiseasy
Payment Processor/Switch
Wallet User1 Wallet User2 Wallet Usern
…….
Open Account
Cash Deposit
Cash Withdrawl
Transfer
Payment
Loyalty
Mini Statement
Information Update
Mobile Top-up
Bill Payment
Loan
Insurance
In 2014, researchers from NYU’s Center of Genomics and System Biology
identified nearly 3000 types of bacteria from dollar bills. The pandemic is
fast forwarding us to a cashless society and making life harder for the
unbanked. With a digital wallet, unbanked users may yet the very basic
financial services like deposit, withdrawal, transfer and payment.
On the Go
Use your wallet to pay wherever you see the contactless symbol by
holding your phone up to the symbol on the terminal
Online
When shopping online, select digital wallet as your payment option at
checkout and pay by scanning the QR code in stead of entering card
information online
In App
Use your digital wallet to pay for bus, metro, taxi, groceries, food
delivery, morning coffee etc.
ATM
Add your debit card to your digital wallet and get cash or make deposits
using your phone at ATMs or agent booth. Scan/Tap for deposit and
withdrawl
23. Basic Functions
Merchant/Customer Onboarding
Card/Account Management
Transfer
Statement
Merchant Wallet Management
WiseWallet Backend
Customer Management
Payment Service Management
Operations
Accounting
Security Management
Enterprise Services
Agent Wallet Management
Commission Management
Project Management
Data Analytics
API for Agents and Merchants
Comprehensive Services
Loyalty
Loan Management
Interbank Transfer
Insurance
Bill Payment
Cross Border Remittance
Wiseasy Wallet
Function Modules
24. Wiseasy Wallet
System Workflow Diagram
Powered by Wiseasy
Processor/Switch/Bank
Wiseasy Wallet User
Open Account
Deposit/Transfer/Withdrawl Transaction
Settlement Report
Deposit Cash
Withdraw Cash Settlement
Information Flow
Fund Flow
Agent with WPOS-3
Other Banks/FI/Loan Provider
Settlement
Transaction
Settlement Report
Wiseasy Wallet
Back Office
25. Wiseasy Wallet
Mobile Application
(iOS & Android)
Back-end System
API
Gateway
API Gateway
Switch
Service
KYC
Service
Wallet
Service
Audit
Service
QR Code
Service
Merchant
Service
Agent
Service
Customer
Service
Transaction
Service
Accounting
Service
Commission
Service
Fees
Service
OTP
Service
Notification
Service
Dispute
Service
Customer
Case Service
Stand-in
Service
Reporting
Service
Merchant
Service
Loyalty
Service
Data Lake
BlockCahin
Distributed
Repository
CRM
Billing
Accounting
Administartion
SQL Databases Caching No SQL Databases Customer existing Databases
HSM / Data Integrity Control
System Structure
26. Virtual Wallet with unlimited possibilities
Easily complete the distribution of digital accounts
Extend payments to variety of offline scenarios
Comes with an in-house built h5 page
Modules are designed as micro services which can be
enabled and disabled anytime, anywhere
Wiseasy Wallet
Advantages
27. Case Study
– Wiseasy Wallet in School Scenario
Considering safety of children during global pandemic, we provided smart campus solution that’s a combination of digital wallet,
school management modules and smart POS terminals for cash in, cash out and payment. This solution has been adopted across
Thailand and deployed in 12 primary and high schools. A total number of about 17000 users which includes Students, Teachers,
school employees and Parents are using this solution proactively as it has provided new payment experience whereas others are still
paying with cash. User wallets can be topped up with any bank card as well as by cash in feature at an agent shop.
28. Wiseasy Acquiring System
Wiseasy Acquiring System, a one-stop mobile payment solution with
tailored merchant application and management portal that support
multiple mobile wallet systems simultaneously. Its transaction processing
system supports enormous transactions and flexible expansion, merchant
and agent management system can realize acquiring services of multilayer
agents and chain merchant accounts. Comes with a unified payment
gateway and advanced container technology that enables flawless remote
deployment on the cloud. It is a complete payment solution for banks
and acquiring institutions.
30. Wallet User
Scan QR Code
Merchant
Payment Request
Acquring
SystemWiseasy
Payment Request
QR Code Schemes
VISA
MasterCard
UnionPay
WeChat Pay
JCB
Alipay
Google
Pay
Acquiring Bank/Institution
Apple Pay
Payment Notification
Settlement Report
Reconciliation
Settlement
Information Flow
Fund Flow
Wiseasy Acquiring System
Transaction Workflow Diagram
31. Open Service Gateway
Payment APP API Registration Access Authentication API Service Router
Payment Services
Payment Processing Transaction Management
Payment Channel Acquiring Product
Agent Comission Contract Merchant Comission
Conract
Accounting Services
Reconciliation Merchant Settlement
Agent Settlement
Clearing Services Acquirier Settlement
Settlement
Merchant & Partner Services
Merchant Onboarding Agent Onboarding Store/Terminal Management KYC Work Order
Basic Services
User Management Role Management System Logs Fraud Management
Analytics
Transaction Data Analytics Agent Data Analysis Merchant Data Analysis Acuirer Statistics
Business
Management
Gateway
Operation Management Platform
Agent Platform
Merchant Platform
POS Application
Cashier Server
Static QR Code
H5 Checkout
Android/iOS Application H5 Mobile App Web Application
Merchant Sales System (ERP System)
Internal API Gateway Open API Gateway/SDK
Wiseasy Acquiring System
Function Modules
32. Merchant
Management
Platform
Merchant
Agent Service
Platform
Agent
White Label Merchant & Agent Management Middleware
Merchant & Agent Portal
Direct Merchant Acquisition and Onboarding Services
KYC Verification (Along with EKYC)
NAC Services
PG Integration Services
Terminal Management Services
Day to Day Merchant Operations Support through 24 X 7
Help Desk (Online/Offline Support)
Settlement Services
Reconciliation Services
Customized API’s, Dashboards and Reports
01
02
03
04
05
06
07
08
09
10
11
Wiseasy Acquiring System
Merchant & Agent Platform
33. Reduced financial & reputational loss
Reduced sophisticated fraud across channels
Lower operational costs
Reduced false positives
Regulatory compliance
01
02
03
04
05
Wiseasy Acquiring System
Fraud Risk Management
34. A complete mobile payment
operation system for acquiring
institutions
Products and services cover
online + offline full payment
scenarios
Perfect integration with Wiseasy
intelligent terminal management
tool
Payment service based on fully
open API design and cloud based
Payment as a Cloud Service
Provide complete basic operation services for mobile payment practitioners
Wiseasy Acquiring System
Advantages
35. Case Study
– Acquiring Platform
In 2018, Wiseasy provided Canada‘s payment service provider SnapPay with a one-stop payment solution. The whole solution was
deployed in AWS private cloud. With this solution, SnapPay is able to serve merchants and acquirers from a good number of
industries with multi-dimensional payment scenarios.
37. Micro Service Function Modules
Dynamic QR Static QR In App Payment H5 Payment Online Payment Quick Pay USSD Payment Pre-Authorization
Payment Product
Merchant Management
Wealth Management
Marketing Toolkit
Agency Banking
Open Connection
Onboarding Analyze Transaction Detail Store
Management
Clerk
Management
Terminal
Management
Settlement B2C Payment B2B Payment Overdraft Micro Loan Interest Product Insurance
Discount Coupon Cashback Buy Now Pay Later Loyalty Club
KYC On-boarding Micro ATM Utilities Bills Top up Game Points Distribution
Open API Web hook Facebook Instagram Link Bank Card
38. Wiseasy E-KYC Solution
The main key objective of Wiseasy E-KYC Solution is to create a standardized platform between Financial
Institutions to increase KYC quality and customer experience by a unified KYC process for participating Financial
Institutions .
Traditional KYC Wiseasy E-KYC
Live image capture (3D Face-
recognition)
Customer consent (Signature)
Optical Character Recognition
(Banks, Insurance)
Biometrics (thumb and index
fingerprint)
GPS positioning
Wiseasy E-KYC
39. Case Study
– Telecom E-KYC Solution
According to the actual application scenario of Algerian Mobile operator Djezzy, we provide a combination of hardware terminals
with integrated software solution, which supports the identification of multiple types of documents such as passports, ID cards,
driving licenses, etc., and further realizes the functions of electronic handwritten signature, A4-paper scanning, fingerprint
identification and receipt printing. With Wiseasy offerings, Djezzy caters to their need of a complete SIM card sales EKYC solutions,
which connects customer identification, SIM card activation and customer information retention under one terminal.
40. Wiseasy Cashier APP
A standard, flexible, stable payment application, with a complete bank card transaction capacity, mobile payment
capacity. It can be quickly connected to various payment systems, providing an excellent collection experience.
Wiseasy SDK Service
Secure Processor
Card Reader Printer Key
LED Buzzer … …
WiseCloud
DMS APP 3rd Party APP
Payment APP
Bank
Wiseasy Payment APP Architecture
41. Wiseasy Cashier APP - Capabilities
01
Bankcard Transaction
Purchase
Void
Refund
Reversal
Cash Back
Cash Advance
Balance Inquiry
Pre-Auth
05
Card Operation Type
Contact ICC
Contactless ICC
Magnetic stripe cards
09
Code Payment
POS scan customer
Customer scan POS
Inquiry
Refund
10
Code Payment Acquirer
WeChat
Alipay
UnionPay
MasterpassTM
KBZ Pay
…
04
Key Loading Device
Manual Input
From IC card
Download From Wise Cloud
Download From Bank Acquirer System
06
Param Config
Local Config
Import from SDCard
Download from Wise Cloud
Download from Bank Acquirer System
02
EMV
UPI
Visa
MasterCard
AMEX
JCB
Discover
MIR/RuPay/PURE/NSICCS
03
Key Method
MK/SK
DUKPT
08
Bank Acquirer System
ACI Postilion
OpenWay Way4
GIM UEMOA
HPS PowerCard
NAPS
S2M E-Gate
…
07
Protocol
ISO J8583
JSON
TLV
11
Printer
Local Printer
BT Printer
IP Printer(ESC/POS)
12
Multi-Languages
Chinese, English, French, Russian, Arabic, Spanish
Japanese
42. Wiseasy Cashier APP- L3 Certifications
Organization Certification Description Support
UnionPay
UTVT UnionPay Terminal Validation Toolkit Yes
UAC UPI Acquiring Certification Test Yes
Visa
ADVT Acquirer Device Validation Toolkit Yes
CDET Contactless Device Evaluation Toolkit Yes
MasterCard MTIP Terminal Integration Process(TIP) Yes
American Express
AEIPS American Express ICC Payment specification(AEIPS) for contact Yes
Express Pay ExpressPay for contactless Yes
Discover E2E Acquirer E2E from Discover Yes