Slide 1: Cover letter to stock exchanges
Date: 14th November, 2022 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub: Investors presentation on the
Slide 2: Future Ready Platforms – Q2FY23 Investor Presentation
Future Ready Platforms Q2FY23 Investor Presentation 1
Slide 3: 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 4: 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 5: 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 6: Revolutionizing the Way Bharat Banks
Revolutionizing the Way Bharat Banks 1.15 Million Rs 1,63,000 17.2% AePS* Adhikaris Crore GTV* Market Share Making financial services accessible to India’s rural citizens 6,400+ 2,17,000+ 18,900+ Blocks Villages Pin Codes Covered Covered Covered Achieving Deep Penetration at Village and Block Level
Slide 7: 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 8: 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 9: Unique Rural market characteristics
Unique Rural market characteristics URBAN RURAL Specialized merchants for different lines Merchants One merchant providing multiple services of business Urban Population Relationships Transaction led relationships Community led relationships 41 crore Trust Trust driven by Advertising Trust driven by
Slide 10: Leveraging digital stacks to solve for lack of access in Rural India
Leveraging digital stacks to solve for lack of access in Rural India Internet penetration in Internet ONDC Rural : 336 million users Democratizing commerce 46 crore Jan Dhan Bank Current Emerging JAM Accounts, 130 cr Aadhaar penetration Digital Digital Democratizing credit OCEN Democratizing banking
Slide 11: Building the Super App for Bharat
Building the Super App for Bharat Live Offerings Planned Launches • Savings • m-ATM • 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: Current Business Model: Enabling banking in deep rural
Current Business Model : Enabling banking in deep rural 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 Par
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: Spice Money – Key Operating Metrics
Spice Money – Key Operating Metrics Spice Money Adhikaris (‘000) Spice Money Service Fee Revenue (INR Cr) 400. 43% 1400 7% 300. 1200 1000 1151 22% 1080 200. 800 1006 341 (5)% 600 802 100. 190 400 576 98 80 103 98 200 241 0. 0 FY20 FY21 FY22 Q2FY22 Q1FY23 Q2FY23 FY20 FY21 FY22 Q2FY22 Q1FY23 Q2FY23 Cu
Slide 15: Spice Money – Key Services Update
Spice Money – Key Services Update AePS GTV (INR. ‘000 Cr) m-ATM GTV (INR. Cr) Bill Payment GTV (INR. Cr) 50 4,000 600 EMI Others 516 40 3,514 3,500 400 320 242 30 3,241 248 20 15.3 3,031 11.4 13.9 3,000 194 200 10 235 275 13 126 0 2,500 0 Q2FY22 Q1FY23 Q2FY23 Q2FY22 Q1FY23 Q2FY23 Q2FY22 Q1FY23 Q2FY2
Slide 16: Spice Money – Key Services Update
Spice Money – Key Services Update CMS GTV (INR. Cr) Travel GTV (INR. Cr) Recharge GTV (INR. Cr) 4,310 150 137 200 130 170 3,880 115 161 4,000 150 140 100 3,000 2,449 100 2,000 50 50 1,000 0 0 0 Q2FY22 Q1FY23 Q2FY23 Q2FY22 Q1FY23 Q2FY23 Q2FY22 Q1FY23 Q2FY23 • CMS GTV saw a growth of 11% QoQ & 76% YoY
Slide 17: Spice Money – Financial Highlights
Spice Money – Financial Highlights FY20-FY22 Growth Growth Growth Particulars (Rs. Crs) FY20 FY21 FY22 Q2FY22 Q1FY23 Q2FY23 H1FY22 H1FY23 CAGR Q-o-Q Y-o-Y Y-oY Customer GTV (A) 22,155 46,178 83,513 94% 19,418 25,764 24,421 (5)% 26% 37,172 50,185 35% Revenue 250 578 858 203 251 240 405 491 - Service
Slide 18: DiGiSPICE Technologies – Consolidated Financials Summary
DiGiSPICE Technologies – Consolidated Financials Summary FY20 FY21 FY22 CAGR Particulars (Rs. Crs) Q2FY22 Q1FY23 Q2FY23 Q-o-Q Y-o-Y H1FY22 H1FY23 Y-oY (FY20-FY22) 1. Revenue 407 712 990 237 263 257 465 520 a.) Fintech Segment* 250 578 858 85% 203 251 240 (5)% 18% 405 491 21% b.) Other Segments 157 1
Slide 19: Thank You
Thank You For further queries please contact: Aashvi Shah Adfactors PR +91 98210 43389 Aashvi.shah@adfactorspr.com 18