Corporate Presentation 2014. About Oxigen B2B, IT enabled transaction and payment processing platform Investments from Indian promoters & Blue Label Telecom.

Corporate Presentation 2014

About Oxigen

• B2B, IT enabled transaction and payment processing platform

• Investments from Indian promoters & Blue Label Telecom South Africa

• Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services

• Seamlessly networked environment through a rapidly expanding retail network of :– Over 130,000 Oxigen touch points– Government lead portals & Banking Web/ WAP

sites and Banking mobile apps.– Currently at 30 million real time transactions a

month.

2004

2005

2006

2007

Company Started Operations

o 4 Serviceso 100 Outlets-Delhi only

o 19 serviceso 20000 Touch pointso Citi Group Ventures (USA) invested in Oxigen

o Direct to Home satellite addedo 28 Serviceso 35000 touch-points

OXIGEN Milestones

2008

2009

2010

o Added Oxigen Wallet, India’s First e-Wallet (accessible from Mobile and Online) o Introduced Travel Services, totaling 30 Services 50000 touch-pointso Microsoft partners with Oxigen as a Strategic Investor

o Added Toll Tag payments, Built Connectivity to Bank portals , CSE’s & International Aggregatorso 38 Serviceso 60000 touch points

o Roll out of SBI Kiosk Bankingo 75000 touch-pointso Planned by 2010 end- Bank Open Oxigen Wallet on Oxigen Wallet platformo Money transfer and P2P Payments

OXIGEN Milestones

2011

o Launched Insurance serviceso Signed agreement SBI for launch Of MobiCash, a white labeled –prepaid mobile

walleto Launched OxiSmart, a new Point of Sale Terminal, with battery back up and in

built GPRS

2012/3

o Extended Oxigen services across multiple white label websites and WAP sites, like Ncarry, Nimbuzz, Airtel Money, Tata MRupeeo Launched the beta service of State Banks Mobile wallet SB MobiCasho Built merchant services for banking web and WAP portals like HDFC, SBI, ICICI, ING Vyasa and moreo Launched Mini ATM cum Point of Sale terminal OxiShaan, for rural Indiao Added Hungama Movies and Music downloads as a service on POS, Mobile and Webo Won the tender and implemented the new Government CSC portal with added features of merchant paymentso Beta launch of Visa co branded Aadhaar card at Oxigen retail

OXIGEN Milestones

Customer Segments

Recharges (Mobile/DTH/Broad

band)

Bill Payments

Travel Services (Air, Rail, Bus)

Entertainment & Sports

B2B Oxigen Retailers

B2CConsumer Services

Modern Retail/Banks/ Rural Retail Chains

Money Transfers

Banking & Insurance Cash Management Merchant Payment

International Remittance

Wallet Platform& Mobile Applications Merchant Acquisition

Oxigen Business Universe

E-Commerce & Online Shopping

Services and Solutions

Oxigen Ecosystem Today

Transaction & Service Delivery Platform Consumer

Phone Line/Internet/CDMA/GPRS/SMS

Prepaid Services • Mobile

• Internet/Broadband• TV (DTH)• Warranty

• Entertainment• Toll

Un-organized RetailMOM & POP STORES

GROCERY STORESSMALL CYBERCAFESSTATIONARY SHOPS

CHEMISTS

Organized RetailCHAIN STORESPETROL PUMPS

SUPER MARKETS/MALLSINTERNET CHAINS

Telecom RetailTELECOM RETAIL CHAINS

TELECOM SHOPSPCO’s

Non-Traditional ChannelsHOUSING COMPLEXES

COLLEGES/HOSPITALS/BPOS0

BanksInternational Retail

Retail Devices

Oxigen Server Access

POS PC Mobile

SMS & IVR Gateway

Postpaid Services • Mobile/Fixed line• Internet/Broadband

• Utilities

Payments• Travel (Air/Rail/Bus)

• E-Commerce• Retail/Consumer Payments

Wallet• Virtual (on mobile)• Physical (cash cards)

• White Label (Banks/Telcos)

Banking Services• NO Frills A/c opening

• Cash-in/Cash-out/transfer• Remittances (Dom./Intl.)

• Wallet Top-ups

Oxigen Business Model

Retailer Benefits•Inventory in cash, only to the extent of daily sales•Investment in only one device i.e. Terminal, PC, Mobile for all services including recharges, bill payment, ticketing and now banking/remittance•Full audit trail and MIS and real time reconciliation of balance with each transaction

Oxigen - Retailer

Consumer

Service Aggregation Business Model

The ChannelsPOS Terminal

PC

Mobile SMS/GPRS

Oxigen Services

DTH, Music, Cinema, Travel, Deals, Utilities, Toll, Classifieds, Banking

Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment

Kiosk Banking

Key Corporate Distribution Partners

Rural Kiosks Chain/Mobile Banking Switches & International Aggregators

Corporate Retail Chains

Banks & Wallets

The Common Services Center Scheme is a part of the ambitious National e-Governance Plan . Front end delivery outlets for delivery of Government as well as Private Sector services Especially aimed for India’s half a billion unbanked & unserved rural population. CSC Portal which has been developed & powered by Oxigen is used by 100,000 centers located all over India. Varied 3rd party integrations done with multiple agencies.

Central Government of India

Services on Oxigen(Rail Travel) www.oxirail.com

Travel Services on Oxigen

Consumer Services (B2C)

Wallet• Oxigen Mobile

Wallet• Other Wallets

Banks• Mobile Banking• Internet

Banking• White Labels

Web• Powering

Consumer Websites

• NRI Recharges

Oxigen White Label at SBIwww.onlinesbi.co.in @ Oxipay

Oxigen Whitelabel at HDFC Bank mobile site

http://m.hdfcbank.com

Oxigen White label at ICICI Bankhttp://www.icicibank.com/online-services/quick-shopping/index.html

New Mobile Value Added Services added by Oxigen

• Mobile Content

• Music : Nokia Handsets

• Music: All Handsets

• Movies streaming

• Cricket/Soccer Live Streaming on mobile/PC

• Mobile TV

Loyalty & Couponing Portal

Banking Services& Digital Payments

• SBI has appointed Oxigen as a Banking Correspondent for Rural Kiosk Banking for opening bank accounts and cash deposits/ withdrawals/ transfers through Oxigen-enabled Customer Service Points (CSPs)

Kiosk Banking Impact Areas FY 2013-14Total CSP’s Appointed 5000+

States Covered 15Accounts Opened 2 million

Monthly Transactions 5 lacsTotal Gross Transactions Value Rs 200 Crore

Accounts Projected in 2016 7 Million

Banking The Unbanked

On PC/Laptop/Tablet Mobile Client POS Terminal

Wallet Account Opening

Cash-in/Cash-out Cash-in Cash-in Cash-in

Money Transfer (All Banks)

ATM/Debit Card X X X

Aadhaar as KYC

Electronic Benefit Transfers X X X

Aadhaar Enabled Cash Out May’14 X May’14

Oxigen Wallet Services

On PC/Laptop/Tablet Mobile Client POS Terminal

Account Opening X X

Cash-in/Cash-out X X

Cash-in to any Bank A/c of same bank (Money Transfer) X X

Money Transfer (All Banks) July’14 X X

ATM/Debit Card RuPay X X

Aadhaar as eKYC X X

Electronic Benefit Transfers X X

State Bank of India BC Services

On PC/Laptop/Tablet Mobile Client POS Terminal

Account Opening Prepaid VISA X X

Cash-in/Cash-out X X

Cash-in to any Bank A/c of same bank (Money Transfer)

Prepaid Visa X X

Money Transfer (All Banks) X X

ATM Card Visa Visa Visa

Aadhaar KYC

Electronic Benefit Transfers X X X

ICICI Bank BC Services

Money Transfer to 60+ Banks through Oxigen Wallet website using Oxigen Mobile Wallet

10th May'13 Ver 3.2 26

OxiSmart Aadhaar* POS

MobiCash Easy/Oxigen Wallet

Utility Services (Recharges/BillPay)

Insurance/Music/Warranty

Cash in/ Cash Out through Aadhaar

Airtel Money/Vodafone mPesa

Saral Money VISA

Money Transfer

GPRS PoS with Battery BackUp & PrinterNo Magnetic Swip or Smart Card use,Biometric Authentication for KYC and Banking transactions

Rural Phone POS with Aadhaar

MobiCash Easy/Oxigen Wallet

Utility Services (Recharges/BillPay)

Insurance/Music/Warranty

Cash in/ Cash Out through Aadhaar

Airtel Money/Vodafone mPesa

Saral Money VISA

Money Transfer

GPRS PoS with Battery BackUp, No Magnetic Swip or Smart Card use,Biometric Authentication for KYC and Banking transactionsAlso doubles up as mobile phone function in rural areas

Oxigen Universal POS

Merchant Payment - IMPS/RuPay

Merchant Payment - MasterCard/VISA

Cash In/Cash out through Aadhaar

Utility Services (Recharges/BillPay)

NFC/Magnetic Swipe/Smart Card enabled (Supporting Rupay/MasterCard/Visa)

MobiCash Easy/Oxigen Wallet

Insurance/Music/Warranty

Airtel Money/Vodafone mPesa

Saral Money VISA

Money Transfer

Thank You !!