Slide 1: Schedule of Investors/Analysts Conference Call
DiCiiSPICE Date: 29th August, 2022 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Plot No. Cf 1, G Block Dalal Street, Mumbai - 400001 Bandra - Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai - 400 051 Scrip Code: DIGISPICE Sub: Schedule of Investo
Slide 2: Annexure-I: Q1FY23 performance update call invitation
Annexure-I DiGiSpice Technologies Limited is pleased to invite you to the Q1FY23 performance update call on Tuesday, August 30th, 2022 at 4:00 PM IST Click here to register for the webinar : Zoom Webinar Link After registering, you will receive a confirmation email containing information about joini
Slide 3: Future Ready Platforms: Q1FY23 Investor Presentation
Annexure II Future Ready Platforms Q1FY23 Investor Presentation 1
Slide 4: Disclaimer
Disclaimer This presentation has been prepared by DiGiSPICE Technologies Limited (the “Company”) solely for your information and may not be distributed, reproduced, or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or publi
Slide 5: Glossary of Terms
Glossary of Terms Terms Used Meaning AePS Aadhaar-enabled Payment System Adhikari Adhikari is a nomenclature used to address the merchants/entrepreneurs who work on Spice Money platform BBPS Bharat Bill Payment System m-ATM Refers to mini ATM or Mobile ATM. A service that enables customers to withdr
Slide 6: Digital Technology Services
Digital Technology Services >90% of Revenues <10% of Revenues India’s leading Digital platforms and rural fintech platform solutions for telcos, BFSI, other enterprises 4
Slide 7: Revolutionizing the Way Bharat Banks
Revolutionizing the Way Bharat Banks 1.08 Million Rs 1,70,000 17.2% AePS* Adhikaris Crore GTV* Market Share Making financial services accessible to India’s rural citizens 6,000+ 2,00,000+ 18,000+ Blocks Villages Pin Codes Covered Covered Covered Achieving Deep Penetration at Village and Block Level
Slide 8: India's Expanding Digital Payments Ecosystem
India’s Expanding Digital Payments Ecosystem 2021 - $3 trillion market 2026 - $10 trillion market digital payments 40% of all payments by value are Digital Digital payments share expected to reach 65% Expansion in digital infrastructure Building customer trust Transition accelerated by the pandemic
Slide 9: Substantial Addressable Rural Market
Substantial Addressable Rural Market 46% Jandhan Contribution of India’s rural economy to 46 crore accounts National income R 31 crore rural/semi-urban 26 crore women holders 35 crore Aadhaar People employed in rural India, 68% of workforce 132 crore residents covered in India 33.6 crore Mobile Inte
Slide 10: Understanding the Rural Market Dynamics
Understanding the Rural Market Dynamics Specialized merchants for different lines of One merchant providing multiple services business Transaction led relationships Community led relationships Trust driven by Advertising Trust driven by Word of Mouth Demand for sachet/small ticket size Demand for la
Slide 11: Building the Super App for Bharat
Building the Super App for Bharat Live Offerings Planned Launches • Savings • mATM • CASA • Investments • Cash • Cash Deposit Financial Basic • Insurance Withdrawal • Balance Enquiry Services Banking • Credit • Remittance E-commerce • Assisted Shopping & Services Delivery • Digital Payment Payment •
Slide 12: Developing a Win-Win-Win Rural Ecosystem
Developing a Win-Win-Win Rural Ecosystem Entrepreneurs empowered by Service Partners Spice Money Adhikari App Rural Consumers Banks Cash Withdrawal (Aadhaar) Migrant Workers NPCI Ticket Booking Services Core NBFCs Money Transfer Govt Insurance Cos Insurance Employees Other Payment Partners Bill Paym
Slide 13: Moving to a Larger Opportunity
Moving to a Larger Opportunity Built the largest Building Deep Building largest Moving beyond Building direct to ATM banking Cash Collection banking & financial services consumer network (AePS Network financial with digital platform – & m-ATM) services services (travel, enabled by the platform e-Com
Slide 14: Solved For Rural: Cash Withdrawal using AePS Stack
Solved For Rural: Cash Withdrawal using AePS Stack Problem Technology Stack Solution With the Government’s push for financial AePS Market Size (Rs. 000 Cr) AePS Market Share inclusion across the country, the number 20.00% 17.20% of bank accounts has increased from 16.40% 15.00% 13.70% 214 million in
Slide 15: How the Product Works – Cash Out through AePS
How the Product Works – Cash Out through AePS 01 02 03 04 05 06 Customer visits Rural customer needs cash Adhikari enters Aadhaar Customer authenticates Transaction is approved, Adhikari receives instant neighborhood Spice but ATM is not accessible /bank details and transaction using her Adhikari gi
Slide 16: Solving For Rural: Mobile ATM Solution
Solving For Rural: Mobile ATM Solution Limited Access to ATMs Mobile ATM Solution India’s expanded bank account coverage has not been Mobile ATMs (m-ATMs) allow the customer to backed by commensurate increase in bank branches and transact using Debit Card. The Spice Money ATM networks, resulting in
Slide 17: Solving For Rural: Cash Collection
Solving For Rural: Cash Collection Cash Collection Logistics in Rural Areas Cash Collection Services Enterprises such as microfinance and logistics companies Representatives of these companies now deposit cash with the collect cash through their representatives who then need to nearby Spice Money Ad
Slide 18: Solving For Rural: Travel Solution
Solving For Rural: Travel Solution Travel booking Issues Travel Union As the travel needs of the rural population is increasing, it is Through a single travel management interface, Adhikaris can becoming difficult for travel companies to penetrate in the rural instantly book and confirm travel-relat
Slide 19: Spice Money – Key Operating Metrics
Spice Money – Key Operating Metrics Spice Money Adhikaris (‘000) Gross Transaction Value (INR. ‘000 Cr) Entrepreneur GTV Customer GTV Customer GTV growth driven by 60. 1080 40.1 42.5 expanding Adhikari network 1006 31.1 42.5 683 30. 24.3 25.8 17.8 13.4 15.8 16.8 0. Q1FY22 Q4FY22 Q1FY23 Key service l
Slide 20: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20-FY22 Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 Q1FY22 Q4FY22 Q1FY23 CAGR Q-o-Q Y-o-Y Customer GTV (A) 22,155 46,178 83,513 94% 17,754 24,320 25,764 6% 45% Revenue 250 578 858 202 239 251 - Service Fees (B) 98 190 341 86% 69 101 103 3% 49% - Airtime/ S
Slide 21: DiGiSPICE Technologies – Consolidated Financials Summary
DiGiSPICE Technologies – Consolidated Financials Summary FY20 FY21 FY22 CAGR Particulars (Rs. Crs) Q1FY22 Q4FY22 Q1FY23 Q-o-Q Y-o-Y (FY20-FY22) 1. Revenue 407 712 990 228 277 263 a.) Fintech Segment (Spice Money) 250 578 858 85% 202 239 251 5% 24% b.) Other Segments 157 134 132 26 38 12 2. Gross Mar
Slide 22: Management Team
Management Team Leading with expertise & experience Dilip Sanjeev Rajneesh Sunil Srivaths Sameer Modi Kumar Arora Kapoor Varadharajan Nagpal Founder Co-Founder Co-Founder & Director & CFO, Group COO - Tech, Chief Business & CEO Chief Product & Finance Risk & Design & Data Officer Strategy Officer co
Slide 23: Thank You
Thank You For further queries please contact: Aashvi Shah/ Ruchika Jain Adfactors PR +91 98210 43389 +91 98696 48844 Aashvi.shah@adfactorspr.com/ Ruchika.jain@adfactorspr.com 21