UNICORE:COMPLETE BANKING ANDPAYMENTS SOLUTION

Who We Are

XIUS is a subsidiary of Megasoft Ltd. (Listed at National Stock

Exchange, India) with

Registered American entity located at Massachusetts

Head Office & Global Delivery Center at Hyderabad, India

Over 2100 man years of telecom expertise

Over 230 network deployments till date

How is XIUS different from the rest ?

We have 120 patent applications filed; 31 awarded

Our solutions manage over 315 million calls a day

We cater to operators & MVNOs across 5 continents

We own the IPR for our solutions; 95% of our

components are built in-house

ISO 9001 & ISO 27001 Compliant

Payments and Banking

XIUS launched its Payments Solution in 2005

Implemented payment processing capabilities for

Mobile Operators and Banks

Enabled services for over 18 Operators/Banks

globally

Handling over 500K distribution channel

points/agents

Volume of money moved - Over $1 billion/month

2005 2006 20082001

2011 2012 20132009-2011

Deployed Mobile Payment& Mobile Money

Management Platformacross 14 properties of

Telefonica/Sprint/U.S.Cellular

Launched our first Mobile based Banking Solution for Diemo’s

Unbanked Segment in Venezuela

Launched Government Money Transfer

Services

Launched International Money Transfer & Payment Services

Handled Roaming Payments & Money

topups across India for operators like Airtel, BPL,

Hu1t1c11h, and Idea

Mobile Payments & Mobile Money

Management Platform Launched. Citibank payments engine

Deployed our first Mobile Payment &

Mobile Money Management Platform

Internationally (Telefonica - Ecuador)

Deployed Mobile Payment & Mobile

Money Management Platform for Celcom Subsidiary, Malaysia

A Bank For The Unbanked: DIEMO

Basic Savings account services

Savings account

Person to person money transfer and receipts

Person to merchant Payments Utility Payments

Services Merchant Account Payments

Establishing Merchant accounts for SME and unbanked

Accepting Payments, Transfers for sale of services/goods Govt. subsidies distribution – Cashless Transactions

XIUS Payment Bank - Service Framework

Bank Accounts will be created for

Customers, Agents, Merchants

All funds will reside in XIUS Core Banking Eco System

Account holders use new age technologies like Mobile,

Kiosks, Web to perform transactions

Agent based banking network enables cash in / cash out

capabilities in conjunction to technology based channels

Account will be integrated with various channels / services

for fund utilization

XIUS Payment Bank - Technology Overview

XIUS Core Banking Eco SystemPayments &

TransfersCustomer Account Management

Agent ManagementMobile Banking

Apps ISO 8583Western Union/

MoneyGramCustomer USSD

SMS IVR

InternetBanking

CRM Admin/User Management API WebServices

VISA/Master/AMEX

Local-LanguageTools

Reporting

TestingMIS

SecurityAuthentication

Audit LoggingMonitoring

HSM, Bio-metrics

SFTPAny Mobile DeviceCard Payment

SwitchNEFT/RTGS/

IMPS LDAPV3

Web GUI(WAP,GPRS) NFC STK

Agent,Corner Store

SettlementsReconciliation

BillersCRM

Socket

CFT ERP

Integration and Interconnect GW LayerCall Center AML

XIUS Payment Bank - Service Features

Customer & Account Management

Customer Registration

Balance Management

Balance Enquiry

Transaction Gateway

Transaction Processing and Monitoring

Multiple Types of Transaction Support

o Peer to Peer Transfer

o Peer to Business / Enterprise Transfer

o Deposits / Collections

o Withdrawals

o Payments to Business / Utility

o G2C Payments

XIUS Payment Bank - High Level Features

eFunding Gateway Notifications and Fee Charge management

Ability to process varied payments using

multiple electronic payment types

Interface with other banking systems, ATM,

Credit Cards and 3rd party payment

processors

Supports ISO 8583 based service integrations

Notification engine defines alerts and

notifications for different events /

transactions

Facilitates defining a transaction fee to the

service initiator or the recipient in case of

P2M transfers or other utility payments

Agent Based Banking System Overview

XIUS Agent Based Banking Platform

Service Creation &ConfigurationManagement

CoreBankin

g

eFundingGateway Utility Service

Providers

Security &Fraud

Management

Agent /Distribution

Management

CommunicationGateway

Other Banks

User Authentication viaFinger Print Capture

Commissions&

Settlements

SMS/USSD/Email/Web

TransactionGateway

Agent Kiosk

Agent

Agent Management – High Level Features

Ease in creation of distribution hierarchy

Supports up to 5 levels of distribution hierarchy

Agents can hold virtual balances

Agents are classified as Prepaid and Postpaid

Peer to peer transfers – Agents can transfer balance to their peers

in the distribution hierarchy

Agents– Portability (Can be moved to a different parent in the

distribution hierarchy)

Supports Synchronous and Asynchronous modes of transactions

Comprehensive access control, security and fraud configurations

Settlement and Reconciliation – High Level Features

Comprehensive Reconciliation Capability

Supports Real Time Reconciliation / Time Staged Recon (EoD) / (EoM)

Post Reconciliation Discrepancies are highlighted for action

Threshold configurations for Service / Channels wiles discrepancies

If Threshold is breached alarm generation and automatic service disabling can

be configured

On reconciliation, Settlement summary based on configured settlement dates.

Settlement summary reports per node / stakeholder in Eco-system

Use of Transaction info for Trend Analysis and refinement of thresholds.

XIUS Payment Bank - High Level Features

Service creation/ConfigurationUbiquitous Access & Multi Lingual

Allows in creating and managing various

services and configurations Service creation and configuration

include Tax & Interest Management

P2P transfers (Intra/Inter bank)

Balance Enquiry

Statement Enquiry ( for a period)

Credit card/Debit card request

Stop payments

Lost card reporting

Commission Management – Definecommissions at various Distribution levels

Fraud Management

Multiple PIN Management Access PIN, Transaction PIN, OTP, Merchant

Transfers PIN

3DES / SSL over HTTPS / Secured VPNs / Encrypted Data transfer / PUK and

PIN Management

Protects Bank against fraud risk on “customer-direct” transactions

Pre-configured fraud rules for identifying high-risk transactions

Transaction specific configurable fraud rules

Different treatments can be defined when a transaction trips a fraud rule

“Soft-block” or “hard-block”

CSRs can override treatments based on authority level

Loyalty and Promotions

Incentivize subscribers to use specific mWallet / mBanking channels

Offer unique marketing programs – for example, subscribers earn points for

each transaction that can later be redeemed for branded merchandise

Allows payment channel to become a revenue source versus a cost center

MultiChannel

GrievancesReceipts •

Customer

Experience

Index

Quick & Easy

Customer

Real-timeMonitoring

With AutoEscalations

Multi-TieredRedressal

Nodal

Officers

Centralized Back Office Centre

Monitor Transactions, their status, TAT, Customer Experience Index

Highly automated business Process

Automated Account and Balance Management

Multi-Tiered Reporting and Control

Settlement and Reconciliation

Compliance Adherence

Generation and Delivery of Compliance Management

Compliance Adherence Score Card

Tiered and Periodic Adherence Reporting MIS Reporting

Account, Customer, Balances, Transactions, Transaction Status, TAT,

Customer Experience Index, Compliance Reports

Agent, Circle, Zone, Head Office level reporting

Central, Regulatory, Compliance Reporting

XIUS Payment Banking Platform - Integrations

SOA based web services Framework - Aggregate

transactions, Fund sources, Payment interface

and align them to each service

Platform Can Interface with

ISO 8583 - National banking systems (NEFT /

RTGS) / ATM / POS

Web Services - Mobile Application / SMS / USSD

/ IVR

Web Services - Utility Service Providers /

Merchant Applications