Our Bulk Payment and Bulk SMS Services Contents 1.0 2.0 3.0 INTRODUCTION 1 Our business model 1 BULK PAYMENT SERVICE 2 Features 2 Web Portal Functionality 2 Process Flow 2 Value Proposition 3 BULK SMS 4 Features 4 Process Flow 4 Value Proposition 4 1.0 INTRODUCTION Africa is earmarked to become the world’s fastest-growing mobile phone market. The continent’s mobile phone use over the past 5 years has increased at an annual rate of 65 percent, which is twice the global average. Central to this development is how access to mobile connectivity continues to drive economic growth and influences traditional ways of doing business. Today, mobile money is noted as a key driver of financial inclusion and has transitioned from the sole provision of remittance services to augmented financial services such as savings, access to micro loans, micro insurance and a host of others. Nsano, in our bid to revolutionize the space and contribute our quota to financial inclusion, has adapted a business model that ensures all categories of end-users are catered for regardless of the level of their exposure to digitization. BUSINESS MODEL Single Integration Real Time Processing Our mobile money APIs enable our clients to have access to a mobile money platform that aggregates all the mobile money network providers. Be assured of real time processing of all transactions with robust management portals to facilitate monitoring. Transparency Reconciliation There is a clear audit trial throughout the transaction life-cycle. The tracking portal generates reports for settlement and reconciliation amongst others. Daily cross-checks and verifications are done for all transactions with reports generated and shared for all parties. Security Nsano’s Fraud management contributes its quota to the restoration of confidence and trust in the adoption and use of mobile money. Another benefit to partner financial institutions is its ability to help in compliance of Page 01 AML/CFT regulations issued by the Central Bank. 2.0 BULK PAYMENT SERVICE Today, corporates are interested in solutions that allow them to perform bulk transactions to many recipients fast and effectively. Nsano’s bulk payment feature leverages on our payment gateway to avail bulk payments to customers. This product is exceptionally useful for corporate clients. Our Bulk payment also leverages mobile technology and is characterized by One-toMany Payments. Funds can also be directly transferred to bank accounts or to mobile money wallets. Features Payment Order Management Scheduled Payments Interoperability capabilities enabling payments across various channels Maker-checker flow implementation Corporate customer portal Dual language settings Process Flow Customer tops up Bulkpay account via mobile mone or partner banks Authorized staff Payment schedule uploads payment approved by schedule authorizers Payment is processed and disbursements are made Web Portal Functionality Data Summary & Analytics Client Management User Profile manager Manage reseller models Page 02 VALUE PROPOSITION Payments to all mobile money wallets provides a wider and more inclusive reach. Inbuilt transactions and reporting view for monitoring statuses of uploaded transactions and generating reports. Instant top up of bulk pay accounts from mobile money. Maker/Checker rule applied for uploads and their approvals to ensure secure disbursement of funds. User friendly and easy-to-use service Capacity to onboard and manage specially built with the customer in mind. different bulk pay merchants Page 03 3.0 BULK SMS The Nsano Bulk SMS Alert service enables you to send Bulk SMS from any PC with internet access within a minute, 24/7. Our platform gives you a clean and easy to read dashboard, allowing you to quickly make adjustments to your SMS Alerts without much time or effort. Nsano provides SMS APIs to all institutions and third parties to integrate into their applications at no fee. Our Integration Center Team (ICT) is readily available to assist clients to integrate with ease in no time. Features Create, Manage and Import contacts Customize/Personalize Messages Schedule Message Delivery Extract Report on Sent SMS History View a comprehensive report center for detailed data summary (Analytics) Process Flow Customer tops up SMS account via mobile money or partner banks Nsano confirms receipt of payment SMS Volume is credited to the Client’s account Bulk SMS service is restored and ready for VALUE PROPOSITION Insert Icon Insert Icon Mass marketing that delivers measured results Self-service platform that can be managed internally using existing staff Insert Icon Insert Icon Efficient marketing toll that requires minimal financial resources. Easy to manage platform with relevant reports for analysis and effective decision making Insert Icon Flexible pricing of SMS rate to suit the business model of the organization. Page 04 About Nsano Established in Ghana in 2013, Nsano first set out as a valued-added service (VAS) provider but has over the years morphed into a formidable fintech company which is revolutionizing the delivery of financial services in Africa through technologically-driven solutions. The company has launched operations in various regions in Africa including Zambia, Uganda and Cote d’Ivoire. As we extend operations to other parts of Africa, we hope to achieve our objective of enabling people move money from anywhere to anywhere. Mission We believe that access to financial services should not be a privilege but a right enjoyed by all. It is our desire to see an Africa where access to financial services is available to people regardless of educational level, economic status, or location, and this drives us on our mission to democratize how e-money moves. Vision Due to the high contribution of cross-border trade to the GDP of participating countries, we are focused on defeating one of the major barriers to trade; payments. Our vision as a financial technology firm is to process 50% of Africa’s GDP by 2025, by offering reliable and inexpensive payment options that overcome challenges such as fraud and currency differences. Contact Us The Voyager, Reiss Junction Road, North Legon - Agbogba, Accra +233 302 909 018 +233 303 976 999 +233 055 968 9985 +233 055 968 9972 business@nsano.com sales@nsano.com