GLOBAL
MONEY
TRANSFER
XM-Corporate Video Eng-BGM.mp4
Who we are…
Simple, reliable, affordable and friendly are words often used to describe Xpress Money.
A global brand that has developed rapidly in just over a decade has earned the trust of millions
of people worldwide.
What we do…
Over the last 13 years, we have strived to provide our customers with an affordable, accessible
and alternative money transfer service that has because of its dependability become globally
recognized.
Business Principle
‘Customer need’ is at the heart of
Xpress Money business values.
Every action of Xpress Money is
with the ultimate objective of
delivering un-matched value to the
customers.
Fastest growing money transfer brand in the world.
2015
2014
Cards
Alternate
Channels
ATMs
2013
Mobiles
170,000
150
countries
250,000
180
countries
350,000
200
countries
Anywhere
Everywhere
Physical
Locations
Committed to provide customers with the most reliable and convenient means to send and receive
money – Service Quality is our motto.
XM Local
XM Canada
Ontario
XM Europe
XM Russia & CIS
London
Moscow
XM US
New Jersey
XM MENA
XM Asia
Dubai
Abu Dhabi
Hong Kong
Shanghai
Manila
Jakarta
XM SA
XM Africa
Nairobi
XM team operates from more than 25 dispersed
local offices around the world with each region
having a strategic Head Office; backed by a central
global team.
Delhi
Bangalore
Mumbai
Kolkata
XM Australia
XM Africa
SADC
Melbourne
Sydney
Products & Services
Staying ahead with changing customer needs.
Innovation
Although ‘cash’ is the king, Xpress Money understands the significance of evolving
customer needs through new technological developments.
Multi channel
Multi currency
Interoperable platform
Instant Account
Credits
• Successful pilots – Philippines,
Bangladesh, Pakistan, etc.
• Extensive rollout planned in 2013
Cash2Card
• First ever Remit Card in India.
• Similar models planned for China,
Philippines, Bangladesh, etc.
Cash2ATM
• Success lessons from Europe –
HalCash and other regions.
• Pilot in India, Philippines and Pakistan
Mobile Wallets
• Among the pioneers having launched
with esaypaisa and G-Cash
• Pan Africa rollout with mpesa & MTN
XM Network
Americas
•Canada – 1,200 locations through strategic retail partnerships;
•United States – slated to cross 5,000 locations in 2013 through key strategic tie-ups.
•Latin America – Addition of Argentina, Bolivia, Chile, Costa Rica, Columbia, Dominican Republic,
Ecuador, El Salvador, Guatemala, Honduras, Nicaragua, Panama, Peru, Uruguay and Caribbean.
Europe
•Central Europe – more than 6,500 locations.
•Northern Europe – 1,000 locations with strong presence in UK, Norway, Ireland and Denmark.
•Southern Europe – 800 locations with an established network in Turkey; Italy & Spain
•Western Europe – Strong presence in Greece and Cyprus; France & Belgium
Africa
•North Africa – 2,500 locations with extensive presence in Egypt, Morocco and Tunisia.
•East Africa – 2,000 locations; No. 1 in terms of locations and market share in Ethiopia and Seychelles.
•West & South Africa – 1,500 locations covering Cameron, Nigeria, South Africa, Ghana, Gabon,
Botswana, etc.
*network list is non-exhaustive.
XM Network
Middle East
•GCC – 1,000+ locations with largest network among all Money Transfer Operators.
•Rest – another 1,00 locations, including Lebanon and Yemen
Asia
•South Asia – the most comprehensive and reliable network in the region.
India – more than 50,000 locations; 100,000 ATM locations through XM exclusive Remit Cards.
Pakistan – 6,000 locations and the worlds biggest service provider.
Bangladesh – 10,000 locations covering remote towns and villages.
Sri-Lanka, Nepal and Maldives – 8,000 locations.
•South East Asia –
Philippines – 12,000 locations; the biggest and the only MTO with both Cebuana & M Lhuillier.
13,000 locations covering Japan, Hong Kong, Thailand, Vietnam, Indonesia, Malaysia, Brunei,
Cambodia; among the only two MTOs to enter Myanmar.
Pacific
•Australia and New Zealand – 200 locations; among the few MTOs in the region under AUSTRAC.
•Another 120 locations covering the Pacific Islands – Fiji, Cook Islands, Palau, Saipan, Samoa, Tonga
and Vanuatu.
Brand
Implement and maintain a cohesive and consistent identity.
Generate greater brand awareness and a strong association to a clearly
defined set of corporate brand identifiers.
Differentiate the brand personality from the competitors.
Technology
Web Portal Access & Webservice Integration (API)
Send / Receive Agent
Platform
XM Transaction System
Backend, Aggregators and
Business Intelligence Systems
•In-house IT Development Company – Chennai (India).
•Dedicated integration and web-interface development specialists.
•State of the art ‘interoperable’ system architecture with DR and load optimization for
seamless processing and uninterrupted operations.
•Data Security and Network Security - ISO 27001 Certified.
Compliance
Regulatory Adherence
• Xpress Money supports all major international
organizations, which collectively set and enforce Standards
for AML & CTF policies.
• FATF, UN, EU, OFAC and local regulatory guidelines.
Partner Due Diligence
• Due diligence and credit check is carried out prior to
appointment of partners.
• Special attention to transactions with or originating from
countries identified by the FATF.
AML Screening and
monitoring
Detailed process documents available on request.
• Xpress Money Compliance team constantly updates and
maintains a comprehensive Black List (Watch List).
• Comprehensive risk based AML monitoring solution using
WORLD-CHECK (structured risk intelligence solution).
XM - CIS
15000 locations
• Direct Agents
• Marketing Agents
• Strategic Partnerships
Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Russia, Tajikistan, Ukraine & Uzbekistan
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AND
OF THIS
INCREDIBLE STORY
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