Celusion Technologies : Celusion | Online Account Opening Solutions | Video KYC and Digital lending Platform

1. Building enterprises ofthe future.

2. We create new value in customer experiences and core operations, upheld by innovation and a strong architecture. Praveen paulose, ceo

3. who We are We are a software company that develop Enterprise Web and Mobile Applications leveraging cutting-edge technology.

4. Who we are? We build large scale enterprise software applications Established in 2004, Celusion Technologies, headquartered in Mumbai, specializes in building large scale enterprise software applications with a team of 100+ software engineers. A suite of integrated software products for the Banking & Financial Services Industry, suitable for businesses of all sizes. Our product portfolio includes packaged solutions for Unified Account Opening, Retail Loan Origination, Collections & Debt Recovery, Underwriting Partner Portal, Digital Account Opening and Worth (API Gateway with 20+ integrated FinTech services. Our Office in Mumbai

5. Our clients Sharekhan BNP Paribas ICICI Home Finance PNB Housing Finance Ltd. Edelweiss Securities Ltd. JM Financial Ltd. Mahindra & Mahindra Financial Services Ltd.

6. Our clients YES Securities (India) Limited (YSL) Kotak Securities Future Generali India Insurance Company DhanvarshaFinvest Ltd. Svatantra Micro Finance Pvt. Ltd. Religare Securities Ltd.

7. COMPANY history Some of the key milestones in our journey so far. Establishment MOBILITEAM PRODUCTS Setup in the year 2006 in a modest 200 sq. feet office with a focus to develop cell phone apps. Launched a revolutionary mobile development platform used to build 100+ enterprise mobile apps till date. Built a portfolio of Off-The-Shelf products, primarily catering to the Finance Industry $5m in revenue 2008 2015 SMS ConneXION WORLDWIDE Launched our first product (Enterprise Messaging Gateway) used by 2500+ customers today. Expanded our customer base beyond India and started servicing companies in UK, Bhutan and UAE 2006 2013 2017 onwards

8. Our Divisions. We develop Web and Mobile applications, maintained by a strong Operations & Support team. Our Software Delivery is supported by strong Research & Development ORGANIZATION chart

9. OUR SERVICES Flexible service models to suit your business requirements. SOFTWARE DEVELOPMENT PRODUCT ENGINEERING 01 02 Bespoke software development across various web and mobile technologies. We design, develop and take accountability for your product ideas. TECHNOLOGY CONSULTING RESOURCE AUGMENTATION 04 03 Specialized consulting in software dev. processes and system architecture. We provide extended teams to support your in-house software development initiatives

10. PRODUCT PORTFOLIO Over the years we have built a range of commercial off the shelf products that align with your Go-To-Market time.

11. Unified account opening Onboard customers with one smart form and instantly activate their Demat, Trading, Bank Account or Insurance Accounts. Hassle Free Customer Onboarding Smart forms auto populate your identity, address and bank account details. Automated Back Office Processes Automated verifications & compliances allow quick processing of forms. Customers, Telesales, Field Agents can open accounts digitally. Digital Identity Verification The solution supports multiple methods of verifying the identity of your customer. Each of these methods are compliant with regulatory norms and cover both Fresh KYC and accessing KYC details from depositories. Quick & Easy Account Opening Additional features that make customer on-boarding possible in minutes, like, Digital Signature, Penny Drop, Printed forms, Automated verifications, Scrutiny and objections.

12. Digital lending platform Disburse loans faster by employing an inclusive approach to the full lifecycle of loan origination and credit underwriting. Verificationchecks Creditassessment Additionalfeatures Benefit from reduced costs in KYC, AML and other verification checks and achieve a faster loan processing time by collecting information about the applicant or collateral through digital channels. Faster credit decisions, data-driven assessments and a structured credit decisioning framework result in a more secure risk profile. Use configurable Rule engine, Decision engine and Workflow engine. Additional features that streamline the loan origination process like Product Policies, Sales Assist, Task Management, Agency Management, Calculators, Timely Updates and much more. Loan Application Paperless loan sourcing through digital forms on web & mobile, result in a delightful customer experience and speeds up the feedback cycle. Omni Channel Sourcing | Smart Form Filling |Real-time Updates

13. VIDEO KYC PLATFORM A consent-based Video-Enabled Customer Identification Process (V-CIP) designed in compliance with RBI guidelines. Live video streaming Aadhaar offline e-kyc FEATURES A plug and play Video KYC platform that seamlessly integrates with your existing customer onboarding process. Designed in 100% compliance with regulatory guidelines. 01 04 HTML5 browser-based video call between the officer and customer with recorded video. Offline verification of Aadhaar XML with file generation not older than 3 days. Face match with id card Geotagging of customer Upload kyc documents Audio visual interactions 03 02 05 06 Captures PAN image, verifies with the issuing authority and matches with customer details. Randomly sequenced questions for video interactions to establish that all interactions are in real-time. Live location of the customer is captured to ensure that customer is physically present in India. Artificial Intelligence based face matching of the customer in video with the ID card presented.

14. financial api gateway A gateway for your service-oriented architecture with 25+ pre-built microservices for regulatory and fintech services. Out-of-the-Box Integrations Reduce your Time to Market using ready-made connectors for,Credit Bureaus | Know Your Customer – KRA, CKYC, Aadhaar eKYC and Offline KYC | Fintech – OCR, Face Match | Bank Statements analysis | eSign – OTP and biometrics based | Bank account verification via Penny Drop Realtime Monitoring Billing Reconciliation Forward Compatibility Monitor requests, their latency or errors on a dashboard and proactively address any issues. Reconcile requests by service providers and view consumption trends by applications. Client applications need not change their code for a future version of the service provider’s API. Accelerate your Business We have packaged the most commonly used Fintech API so that your team can focus on developing business solutions and leave the integrations to us.

15. Sales force Automation – in progress Increase conversions, gain real-time insights into activities and lead your sales team to success with a data-driven approach. Sales Activity Management Streamline Operations Performance management Plan your daily activities and provide real-time status updates. Daily plans and targets, Lead management and Daily sales reports. Sales training, onboard customers and customer servicing. Goal sheet and targets, sales activity insights and sales variance insights.

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18. PROJECTS SHOWCASE A collection of some of the projects we have executed and case studies highlighting some of the key features of the solution.

19. SHAREKHANTAB BASED ACCOUNT OPENING Unified Account Opening to open Demat and Trading accounts. Tab based Account Opening solution for Sales RM’s and Mobile App based DIY for Customers. LEADS ASSIGNMENT Fresh leads are assigned instantly to the field sales team, who then record their meetings and discussions on the tablet. On winning a deal, the executive on-boards the client and gets real-time status updates from the backoffice. ONBARDING New clients can now start trading within 30 minutes of filling the account opening form electronically.

20. dhanvarshafinvestloan origination Loan origination, faster documents processing and disbursements. Solution designed for loan origination via mobile app for Customers, DSAs and RMs; quick loan processing among stakeholders with dynamic workflow and rules engine. Clean and intuitive ui / ux flexible product configurations Designed for the non-tech savvy person also to easily use with ease. Robust products structure and rules engine to support any kind of varied configurations. API integrations Loan syndication Identity verification of PAN and Aadhaar via OCR, credit score from bureau’s, text parsing and analysis of bank and financial statements. Forwarding and tracking of loans to various financiers and diluting risk exposure, to make the most out of business opportunities.

21. Pnb Housing finance underwriting partner portal uConnect - A collaborative platform for underwriting service partners. 22% Reduction in tat Smooth on-boarding and robust partners’ self management. 01 100,000 Cases verified in the first 3 months of deployment Various types of verifications like field investigation, personal discussion, fraud scrutiny, legal verification. 02 Digitized approval process with the help of speech recording, GPS capture, digital signature. 03 82% Adoption percentage Dynamic workflow engine to flow new cases to 3rd party verification agencies in configured sequential flows. 04 0 Reduction from 100 paper leaves per case to 0

22. svatantra microfinance svatantrasaathi Loan origination, collections & customer servicing in rural India. Solution designed to work in rural areas with limited connectivity for the entire spectrum of micro finance operations. Offline capability Real-time Credit check To allow the field force to work in areas with poor connectivity. Real-time credit check with rating agencies like Equifax to qualify a prospect immediately. Wide reach Mitigate fraud Rolled out to 350+ field force (sales and operations) access multiple states in India. Collection of daily demand with denominations to mitigate fraudulent activities on the field.

23. Pnbhousing finance customer portal Customer Portal for Fixed Deposits and Housing Loans Solution designed for PNB Housing to allow a single portal access to customers of Loans and Deposits Mobile app Core integrations Native Android and iOS mobile app for customers to manage their portfolio Integration with core for Product attributes and CRM for service requests. Loans and deposits Digital sales and service App for customers to view details of their loans and desposits. New products and promotional offers are pushed to the customer. Service requests are handled digitally for common scenarios.

24. CREDITSAFE BUSINESS CREDIT REPORTS Supplier data import, monitor risk and view business credit reports Data extraction from suppliers that feed into a credit rating algorithm and company credit report generation & monitoring for Creditsafe in 10 countries. Data Import: Import millions of records from data supplier on a daily basis. Monitoring: Create & monitor a portfolio of companies to identify risk. Business API: Integrate data on 240 million international companies using REST API. Credit Reports: Web portal to search, view and download global business credit reports.

25. GRASIM industries DELIVERY VEHICLE TRACKING SIM based Cell Tower tracking of Delivery Vehicles Tracking of Delivery Vehicles against material dispatch using SIM based cell operator tracking. Multiple cell operator integrations to track real-time location of the delivery vehicle. Customer alerts with a map view to visualize the vehicle position & route. Seamless integration with multiple core systems i.e. SAP, Oracle and home grown systems to track material dispatches against delivery vehicles.

26. CREDIT SUDHAAR CREDIT HEALTH REPORTS Personal credit scores and credit score improvement recommendations Personal credit health analysis of data received from credit rating agencies i.e. CIBIL and Equifax Translate data from credit rating agencies to a report understood by the layman. Scoring based on 8 pre-defined parameters like credit history, amount owed, overdue accounts and more… Credit scoring & recommendation engine that is consumed by multiple customer endpoints i.e. web portal, back office and CRM.

27. COREVALUES Sustained growth & innovation through Research & Development Passion for technology 01 We nurture our passion for technology through an ecosystem that encourages research & development. COMMITMENT TO DELIVER 02 We take pride in seeing our work come to life and will go to great extents to achieve this goal. Research & Development Program “Possible is everything” is the belief that makes our team at Celusion Labs innovate. MOTIVATED BY CHALLENGES 03 We are always looking to go beyond the boundaries and are motivated by challenging jobs. CHANGE is THE ONLY constant 04 We keep a close watch on technology tends and do not fear paradigm shifts in this space. TECHNOLOGY MEETUPS & COLLABORATION Knowledge sharing & continuous learning through regular technology sessions and workshops.

28. Why choose us as your partner Our experience in delivering enterprise grade software spans over a decade. ENTERPRISE EXPERIENCE SOFTWARE ASSETS We understand enterprise concerns around architecture, performance & security Code libraries, project templates & design patterns created over a decade. TECHNOLOGY AGNOSTIC User EXPERIENCE We work on various technologies & have an unbiased approach to make the right choice. We focus on the usability and quickly adopt the current trends in UI / UX. AGILITY WITH STABILITY Our TEAM We have special task forces that can deliver projects in seemingly unrealistic timelines. Our envious team is highly skilled and self motivated to make every project a success.

29. POSSIBLE IS EVERYTHING! THE BELIEF THAT DRIVES OUR TEAM … Contact us: Follow us on: 302/A Dosti Pinnacle, Thane, India facebook.com/celusion +91 (22) 4221 3500 @celusion sales@celusion.com www.celusion.com