Technological Advances in Factoring Space Different by Design May 2017 1

Problem Areas & Solutions 1. High Volume of Invoice Processing Enabling Corporates to upload invoice online Integration with corporate ERP systems using H2H Solutions EIPP/ STP to automate invoice to disbursement lifecycle Secured Channel (SFTP) 2. Bad Debts Efficient and effective communication (real time chat) Constant and periodic follow ups through SMS, Email and other digital channels 3. Invoice Cancellation/ Redundant Invoice/ Denial of an invoice Approval of Invoice by Debtor online & Digital Signing of Invoices Duplicate validation with Bureau 4. Data Analytics, Reporting, Risk Mitigation Risk Profiling of corporates Predictive Analysis of Bad Debts Cash Forecasting eKYC Data warehousing 5. Data and Application Security Encryption of sensitive data using algorithm like SHA, PGP, AES etc Application level Security like Digital Signature/ Transaction based password, OTP, Captcha 6. Different platform Single Unified Platform for all Factoring & Supply Chain Finance solutions. SaaS based solution

Problem Areas & Solutions Enabling Corporate to upload invoice online Integration with corporate ERP systems using H2H Solutions EIPP/ STP to automate invoice to disbursement lifecycle Secured Channel (SFTP) High Volume of Invoice Processing Bad Debts Constant and periodic follow ups through SMS, Email and other digital channels Efficient and effective communication (Real time chat)

Problem Areas & Solutions Invoice Cancellation/ Redundant Invoice/ Denial of an invoice Approval of Invoice by Debtor online & Digital Signing of Invoices Duplicate validation with Bureau Data Analytics, Reporting, Risk Analysis Mitigation Risk Profiling of corporate Predictive Analysis of Bad Debts Cash Forecasting eKYC Data warehousing

Problem Areas & Solutions Data and Application Security Encryption of sensitive data using algorithm like SHA, PGP, AES etc Application level Security like Digital Signature/ Transaction based password, OTP, Captcha Different platform Mitigation Single Unified Platform for all Factoring & Supply Chain Finance solutions. SaaS based solution

Technical Advancements 1. Integration Framework Enterprise Service Bus Integration with Credit Bureau – upstream and downstream (CRISIL, CIBIL) Fraud Prevention/ Double Financing (CERSAI , Block Chain) EDI messages 2. Real-time Information for Corporates Restful services for corporate to consume/ provide information 3. Intelligent/ Interactive web portal (eBranch) Portal with dashboard for real time information Responsive UI with Multilingual Support Dynamic modification of themes, layouts, watermarks. Mobility: Factoring Solution on Mobile Approval Matrix  4. Virtual Assistance Automated Chatbots Screen Sharing 5. Optical Character Recognition (OCR) OCR based data reading from Invoices Checking of signature for Fraud detection and notification 6. Payment Interface Enabling Payment gateway for corporate to pay online for outstanding invoices 7. Modern Development / Deployment Practices Continuous Deployment, Continuous Testing (CODCOT). Testing Automation

Technical Advancements Enterprise Service Bus Integration with Credit Bureau – upstream and downstream (CRISIL, CIBIL) Fraud Prevention/ Double Financing (CERSAI , Block Chain) EDI messages Integration Framework Real-time Information for Corporate Restful services for corporate to consume/ provide information

Technical Advancements Portal with dashboard for real time information Responsive UI with Multilingual Support Dynamic modification of themes, layouts, watermarks. Mobility: Factoring Solution on Mobile Approval Matrix Intelligent/ Interactive web portal (eBranch) Virtual Assistance Automated Chatbots Screen Sharing

Technical Advancements Optical Character Recognition (OCR) OCR based data reading from Invoices Checking of signature for Fraud detection and notification Enabling Payment gateway for corporate to pay online for outstanding invoices Payment Interface Modern Development / Deployment Practices Continuous Deployment, Continuous Testing (CODCOT). Testing Automation

Our Product Catalogue and Features NGen Portal PorTEL Operational Efficiency Product Configurator Unified view Rich UI experience Transaction Status monitoring Role based Dashboard and Access control Supported on Android and IOS TradeFree™ Faster Turnaround Concentrix products are used by the Top 5 Private Banks in India for Trade and Supply Chain Finance Event driven Business processes Configurable Workflow management High Security Comprehensive MIS Real time Chat Configurable Access control High Flexibility Multi-tier limits and Risk Monitoring Multi-entity ,Multi lingual Multi currency support Integration Support Single Interaction Platform Web interface Comprehensive Rule based Dunning Real Time Transaction status Factorin™ Banks and NBFC Real time Chat Rule Based computation algorithms MIS, Reporting and Dashboard features Supply Chain Finance, Factoring Unique Security features High processing Capability Multi-tier limit management ERP2Bank™ Any to any system interaction Small and Light weight Secured Messaging mieSourcing E-Auction Platform Multi Currency support Live Ranking display Survey & Document publishing End to end Life cycle management Forward and Reverse bidding Customized platform Real Time Chat

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