Oxpay Financial Limited · SGX:TVV
Oxpay Financial — Investor Presentation (September 2025)
28 slides from Oxpay Financial's investor presentation, September 2025
Slide 1: Investor Presentation
OXPAY FINANCIAL Investor Presentation 1
Slide 2: Disclaimer
Disclaimer This presentation has been prepared and issued by OxPay Financial Limited (“OxPay Financial”, “OxPay” or the “Company”) to inform interested parties about the Company and its progress. The material contained in this presentation sets out general background information on the Company and i
Slide 3: Company Operating At Regional Scale
Company Operating At Regional Scale 4,000+ 4,700+ >US$300m* *Company Projections Merchants Payment Served Touch Points Processed/year Popular Payment 4 Methods Accepted Bank of Thailand C3 License, Payment Gateway Provider Bank Negara Malaysia Merchant Acquiring Service Provider Monetary Authority o
Slide 4: Target to acquire 4 more payment licenses across 4 countries in the next 2 years
1. Singapore Payment 2. Thailand Payment licenses license Target to acquire 4 more payment licenses across 4 countries in the next 2 years • Philippines • Vietnam • Cambodia As at 30 Sep 21, 3. Malaysia Payment Domestic Money Transfer Services license • There are 30 companies holding the license • A
Slide 5: Rising Network Of Merchants And Payment Processing Volume
Rising Network Of Merchants And Payment Processing Volume Payment Processing (S$m) Number Of Merchants 4,023 247.2 208.5 >2x 183.0 2,824 1,860 1,589 216.3 75.7 179.7 161.8 1023 1247 58.6 595 287 2018 2019 2020 1H2021 2018 2019 2020 Jun-21 Singapore Thailand Malaysia Indonesia Singapore Thailand Mala
Slide 6: Merchant Payment Services (MPS)
OxPay Financial is an online-to-offline (O2O) financial services technology provider with a fully integrated platform that allows both online and offline merchants to run and grow their business easily. Issuer Bank Example: approves/declines $0.10 $$1.50 the transaction OxPay submits the Payment aut
Slide 7: Digital Commerce Enabling Solutions (DCES)
OxPay Financial is an online-to-offline (O2O) financial services technology provider with a fully integrated platform that allows both online and offline merchants to run and grow their business easily. Customer Relationship Management (CRM) solutions Card & Loyalty program aggregation Order and exp
Slide 8: Other Innovative Products
Other Innovative Products Processor for Buy Now, Pay Social Media Live Selling Later (“BNPL”) Transactions Solutions >700 acceptance points in Singapore Launched in 1Q2021 • Monitor revenue and review sale performances • Manage marketing plug-in • Manage online orders • Accept and process a variety
Slide 9: Selected Merchants and Touchpoints
Selected Merchants F&B Travel Charity 4% • Imperial Treasure Fine Chinese Cuisine Transportation 5% F&B 7% • Invade Capital (Eat Box) 9% Personal Care Touchpoints 13% Services Retail 18% By Others 1% Sector Retail Others 43% 9
Slide 10: Our Competitive Landscape
Our Competitive Landscape Key Markets Southeast Asia Southeast Asia Europe EU, US US Target Merchant size SMEs MSMEs MSMEs Large global, local Large, Medium Function Gateway, Acquirer, Gateway, Acquirer, Gateway, Acquirer, Gateway, Aggregator, Aggregator, Processor Processor Aggregator Processor Gat
Slide 11: Investment Merits
Investment Merits One of Singapore largest digital payments companies and a local proxy to the rise of digital payment in the region With an annual total payment volume of more than US$300m1, OxPay is one of Singapore’s largest digital payments companies as well as the first digital payments company
Slide 12: Investment Merits
Investment Merits O2O Business Solutions Platform to benefit from digitalization of businesses In addition to helping businesses enable digital payments, OxPay also provides end-to-end business solutions to help SMEs digitalize their operations through its Software-as-a-Service (SAAS) offerings that
Slide 13: Investment Merits
Investment Merits Pivotal shift in customer acquisition model and rising adoption of digital wallets to drive future growth Since the financial year ended 31 December 2018, OxPay has increased its focus from referral fees to acquiring merchants directly. This had a pivotal impact on the Group’s busi
Slide 14: Investment Merits
Investment Merits Potential M&A to drive inorganic growth To increase the retention rate of its corporate clients, OxPay is looking to acquire ancillary software platforms that help to promote strong merchant loyalty, enhance the business solutions capabilities of the Group, and are profitable. OxPa
Slide 15: How will OxPay capture the latest payment trends?
How will OxPay capture the latest payment trends? Properties/ Merchant Expand Digital Buy Now, Facility Dynamic Market Payment/ Pay Later Management Financing Presence Crypto Expansion of payment Platform as a Service Expansion to other Platform as a Service Regional Payment touch points: (PaaS) for
Slide 16: Near Term Strategies
1. Enhancing core expertise • Hiring of top talents including for business development, Dev Ops and UI/UX engineers, system analysts, product design and development Near Term • Forming strategic partnerships Strategies 2. Mergers and Acquisitions • Complementary business solutions providers to suppo
Slide 17: Meet The Team
Meet The Team Ng Kok Peng Henry Tan Chief Financial Officer Managing Director Mr. Henry Tan is responsible for the overall strategic direction Mr. Ng Kok Peng is responsible for the financial management, and development of OxPay and its subsidiaries (the “Group”), taxation, governance framework and
Slide 18: Board of Directors
Board of Directors Ching Chiat Kwong Shawn Ching Wei Hung Harry Ng Weng Sui Non-Executive Non-Independent Non-Executive Non-Independent Non-Executive Non-Independent Chairman Deputy Chairman Director Mr. Ching is currently the Executive Director and Mr. Ng is currently the executive director of Mr.
Slide 19: Board of Directors
Board of Directors Kesavan Nair Chee Kheng Hock, Rothschild Non-Executive Non-Executive Independent Director Independent Director Mr. Kesavan Nair has over 28 years of experience in Mr. Chee was the co-founder and Chief Commercial legal practice. He is currently a Director of Bayfront Law Officer of
Slide 20: Financials
Financials 21
Slide 21: Demonstrated Growth In Financial Performance
Demonstrated Growth In Financial Performance Revenue (S$m) Gross Profit (S$m) Net Income (S$m) FY2017A FY2018A FY2019A 8.7 - - (1.6) (4.1) (8.4) (1.0) 4.5 60.0% (50.0%) 4.0 50.3% 3.9 (2.0) (18.1%) 3.5 45.5% 50.0% (100.0%) (3.0) 3.0 40.0% 32.3% (150.0%) (4.0) 2.5 30.0% (138.0%) 3.0 2.0 (5.0) (200.0%)
Slide 22: One Of The Few Profitable Companies In The Payments Industry
One Of The Few Profitable Companies In The Payments Industry Revenue (S$m) Gross Profit (S$m) Adjusted Net Income* (S$m) 6.0 3 2.8 0.6 5.9 0.7 0.7 0.7 0.12 2.5 2.5 0.5 11.0% 11.3% 0.6 0.1 47.7% 2 0.4 0.5 42.0% 0.08 0.4 1.5 0.3 0.06 0.3 1 0.2 0.04 0.2 0.5 0.1 0.02 0.1 0 0 0 0 1HFY2020 1HFY2021 1HFY20
Slide 23: Expanding Revenue Contribution Over Key Geographical Markets
Expanding Revenue Contribution Over Key Geographical Markets Revenue by markets (S$m) 1H2021 Revenue by markets Others 1% Malaysia 46% Singapore 53% 2017 2018 2019 1H2020 1H2021 Singapore Malaysia Others 24
Slide 24: Strong Financial Position
Strong Financial Position S$ (million) As at 30 June 2021 As at 31 Dec 2020 Cash and cash equivalents 12.9 3.5 Loans and borrowings (0.7) (1.4) Net Cash Position 12.2 2.1 S$ (million) As at 30 June 2021 As at 31 Dec 2020 Assets 22.2 12.3 Liabilities 18.2 12.1 Total Equity 4.0 0.2 25
Slide 25: Robust Cashflow Generated
Robust Cashflow Generated S$ (million) 1HFY2021 Net cash generated from operating activities 6.7 Net cash generated from investing activities 1.2 Net cash generated from financing activities 1.5 Net increase in cash and cash equivalents during the 9.4 period 26
Slide 26: Recent Developments
Recent Developments 27
Slide 27: Recent Developments
Recent Developments • OxPay to launch Grabpay payment processing for Watsons in Singapore islandwide • OxPay adds Rabbit LINE Pay to Payment Platform • OxPay sets up ordering and payment solutions for Eatbox • OxPay provides e-payment services for Malaysia’s education services industry – UTHM, one o
Slide 28: Thank You
Thank You Media Contact GEM COMM: emily@gem-comm.com 29
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