2. PITCH We will provide prepaid payment instruments charging users zero transaction fees thereby reforming banking in India enabling users to “SHOP ANYWHERE FROM EVERYWHERE”.

3. PROBLEMS High transaction/conversion cost offered by banks. Lack of accountability of cash. Underutilization of debit cards. Lower acceptability within merchants. Lack of Banking Infrastructure to reach remote areas

4. SOLUTIONS Convenience of payment Ease of use of every features AES 256-Bit encrypted security No transaction cost Easy bill payment, recharges, ticket or hotel booking, online shopping

5. Pay BillsOURSERVICES (Click on the services to navigate further)

6. Penny Wallet

7. Online wallet for payment Pay bills, online recharge, ticket booking Transfer money Online shopping DeMAT services Exchange currencies

8. Penny Pay

9. Transfer money from your penny wallet to - your bank account -other wallet Pay your bills- electricity bill, post-paid bills, Water bill, taxes, fees, DTH, gas bill and many more Safe and Secure with 256-bit encrypted TLS Instant Refund of money for failed transaction

10. Pay Bills

11. Pay your bills online Bill payment like water bill, gas bill, Taxes, electricity, post-paid recharge bill Fees etc. No need to stand in the queue to pay bill Pay bill from home

12. Deposit

13. Deposit Load money from your bank account Deposit your money from your mobile Using IMPS Deposit money from other wallets (like PayPal etc.) Instant money transfer from other penny wallet ACID compliant Database

14. Offers

15. Offers Shop from various e-commerce website Exiting offers and discounts Connection to nearby retailers Book tickets and hotels

16. Budget Plan

17. Organize your budget in an efficient way Set limit to your transactions Set monthly expenditure Ask experts for advice and suggestions Track your revenues/ expenditures Plan your savings and Capex Get Financial statement, P&L, Balance sheets, and other accountancy services.

18. Penny Trade

19. Open DeMAT account Buy/ Sell stocks Ask experts for investment advices Manage your portfolio Analyze your risk See stocks update

20. Advertising Advertise your business Reach your customer Grow your business Attract customers by your potential and discounts Compete with the growing E-market

21. Penny Campus In-campus card services Swipe anywhere in your campus Transfer money to/from your Penny account No need to stand in queue of ATM Pay fees No need to carry change Save your money from being theft / lost

22. Tourist Card Carrying multiple currency is a problem? Go Cashless!! Transfer currency from anywhere and withdraw at ATMs Swipe anywhere you want using Penny Tourist Card Exchange currency from anywhere in the world

23. Cardless Transaction Withdraw Cash Without Using Debit Card Just In Few Steps Visit Penny Partners website for cardless withdraw After that the receiver get 4-digit code Enter in the ATM machine along with your mobile number Eureka !! You Get the money

24. Penny World Exchange money Avail tourist card services Convert any currency and transfer it to your well-wishers

25. Penny Card Card service Swipe card anywhere No need to carry cash Withdraw money from ATMs Go cashless