EbixCash Corporate Presentation

EbixCash Corporate Presentation, provided to Hindenburg Research investigator in June, 2022

2. EbixCash group through its “Phygital” strategy combines its presence across 650,000 physical distribution
outlets in many Southeast Asian Nations (“ASEAN”) countries with robust Omni-channel online digital
platform. The Company’s EbixCash Financial exchange portfolio encompasses leadership in areas of
domestic & international money remittance, foreign exchange (Forex), travel, pre-paid & gift cards, utility
payments, lending, wealth management etc. in India and other markets. EbixCash’s inward remittance
business in India conducts approx. $5 billion gross annual remittance business confirming its undisputed
leadership position in India.

EbixCash, through its travel portfolio of Via and Mercury, is also one of Southeast Asia’s leading travel
exchanges with over 2,200+ employees, 212,450+ agent network, 25 branches and over 9,800 corporate
clients; processing an estimated $2.5 billion in gross merchandise value per year. EbixCash’ technology
services division has emerged as a leader in the areas of lending technology, asset & wealth management
technology, travel technology in India; besides having grown its international expanse to Europe, Middle
East, African and ASEAN countries.

3. Phygital* Product Suite
*digital cash with physical confidence

4. Payroll & Corporate
Disbursements
Petro | Medical |
Jewellery Card
Meal Card Programs
Reward Programs Incentive Solutions
Gift Cards
Travel & Expense
Management
Forex Services
Corporate Solutions

5. India’s first co-branded range of Prepaid, Gift & Reward cards powered by Visa and RuPay..

Tailor made solution for every corporate such as payroll , expense management, gifting occasion, employee
rewards & recognition, sales promotions and many more.

pecialized service and Customizable product & process offered has made the card programs a superstar
amongst Indian Corporates.

Network Branded Prepaid Programs

6. The perfect gifting solution for incentives
and Rewards & Recognition programs
Gift Card
Features & Benefits
Access funds from anywhere,
anytime!
A convenient alternative to
carrying cash
Versatile
Gift your employees the freedom
of choice!
Safe & Secure
Protected by state-of-the-art
encryptions
Absolute Control
Can be restricted to select
merchants
Easy Accessibility
Convenient

7. Features & Benefits
Payroll Card
A secure and convenient
disbursement card that requires
no bank account
Meal Card
An easy payment solution
for dining out & grocery
shopping
Petro Card
Help your employees save
money & time on every
refuel!
Reward & Incentive
Boost employee productivity
with exciting incentive
solutions
Unlimited recharge cycles
Accepted across VIS-enabled
merchants across India
Flexible
Usable across multiple online &
offline outlets
Easy Tracking
Monitor & manage expenses
more efficiently
Convenient
A safe & convenient alternative to
carrying cash
Safe & Secure
Secured by leading encryptions &
Restrict budget, turn on/off
instantly
Reusable
Widest Choice
Prepaid Card

8. •Card comes with wider acceptance over any meal voucher in India at all network enabled Food &
Beverage outlets in India
•Can be used at Food & Beverage outlets, Restaurants and Supermarkets e.g. :- Big Bazaar, Reliance,
D-mart , Pizza Hut, Dominos etc.
•A personalised prepaid, monthly reloadable card valid for 3 years at all network enabled outlets
•Does not support ATM withdrawals
•Amount loadable 50,000 p.m. post submission of KYC.
•Personalized / Non-personalized Card

Safe & Secure
Transaction is protected with PIN
authentication and Chip Card -
Secure transaction processing
Convenient
Convenience - Card getting loaded
centrally without any hassle
Absolute Control
Restricted to select merchants
Meal Card
An easy payment solution for dining out &
grocery shopping
Benefits

9. A one stop
payment
facilitator,
thus reducing
the need to
carry cash
An effective
cash
disburseme
nt solution,
It ensures
secure and
speedy
transactions
.
Can be hot-
listed and
the residual
value
transferred
to a new
Card.

SMS alerts
on every
transaction,
thus help
track spends

Can be
loaded
centrally.

Provides
tax benefit
under
section 80C
Is a less
convenient
and
bothersome
Mode of
payment
No
security,
can be
lost
easily or
stolen
Once lost
or
damaged,
value is
gone
forever
Impedes cash
mgmt

10. Reward & Incentive
Boost employee productivity with exciting
incentive solutions
Easy Tracking
Get instant notifications on every
spend
Secure
Protected by a powerful anti-
fraud algorithm
Features & Benefits
Variable Load/Incentive
Amounts

Safer Alternative
Save time and efforts by reducing
administrative work
Saves time
Safer alternative to carry Cash
Reload at convenience

11. To give incentives and
reimbursement to
employees
Easy Tracking
Managing and tracking fuel
spends
Secure & Safe
Safer than cash and save time
and efforts by reducing
administrative work
Seamless way to manage & restrict
spending
Unmatched Control
Features & Benefits
Fully Customizable
Allocate spend allowance based
on multiple factors
Easy Reimbursement
Petro Card
Help your employees save money & time on
every refuel!

12. The largest mall chain partners EbixCash
India’s first and largest Mall Gift Card program Phoenix Mills with EbixCash and HDFC successfully launched
a unique gift card program-The Phoenix Gift Card (Powered by VISA), exclusively available across all Phoenix
Malls-Mumbai, Pune, Bangalore, Chennai, Lucknow and Bareilly. The card gives customers the Power of
Choice. Gifting for employees or relatives has never been this easy.

13. Instant Digital Gifts
150+ MonoBrand Partners Array of Brand Gift Cards

14. Case Studies...
Apollo Tyres scheme to reward their Customers with free
Fuel on EbixCash Petro Card on purchase of commercial
vehicle tyres
Kirloskar pumps/ Mobiquest launched a co-branded
gift card for their retail partners, with EbixCash
Augmont India partnered with EbixCash to sell gold coins
on EMI through our pan-india retail network
Reliance General Insurance rewarded their employees with
Flipkart gift vouchers as incentives fulfilled by EbixCash

15. Industry Categories Key Clients
Insurance & BFSI



Pharmaceuticals



Telecommunication


IT & ITES


FMCG


Real Estate


Auto & Logistics



Serving over 2000+ Indian Corporates & Brands

16. Global Reward catalog management & fulfillment expertise
EbixCash as the global partner of Madison Performance Group (New York, USA) manages the complete
India employee programs and fulfillment of Rewards & Recognition for global MNC like Accenture,
Deloitte, SAP Labs, Yahoo, JDA Software to name a few.

The program has been dramatically shifted towards EbixCash range of retail brand gift cards & e-gift
cards replacing the traditional physical gifts and white goods.

Key Fact: Accenture has more employees in India than any other country at 55,000 plus.
With an increasing trend and workforce strengths increasing of these global MNCs in India, we at
EbixCash see this sector growing exponentially adding to our overall gift business volumes.
Case Study : Global Reward & Recognition programs

17. 17 17
One-Stop solutions : Motivate | Recognize | Reward
Insurance Case Study: Tata AIG a market leader of a sector highly dependant on Agent /
Advisor network driven through quarterly incentives ; faced logistical nightmares to fulfill
with physical goods. ItzCash Visa Gift Cards have offered a seamless relief and won the
appreciate of the beneficiary agents resulting in a new policy sales uplift.
Pharma Case Study: Indian pharma company Alkem Labs experienced high Pilferage as the
gift items & cash rewards were not reaching the actual end beneficiaries pan-India.
ItzCash customized the process implemented the SMS based activation only of gift cards
saving over INR 5 million annually of Alkem’s INR 100 million disbursements.
FMCG Case Study: One product to gratify a heterogeneous group of Distributors,
Wholesalers, retailers and small kirana shops was finally made possible for Perfetti
Van Melle by the ItzCash gift card.
Auto Case Study: Mahindra & Mahindra Group now launches all new vehicles
in the market with a promo-offer and all Dealer sales incentives fulfilled with
the EbixCash gift cards.
Case Studies : EbixCash Visa Gift Card

18. Product Offerings
Domestic Money Aadhaar Enabled Bharat BillPay Payment Gateway
Transfer Payment System System
Mobile & DTH Recharge Micro ATM IRCTC Booking Cash Management System

Insurance Fastag

19. Features:
•REALTIME settlement
•Cash DEPOSIT
•Cash WITHDRAWAL
•Fund TRANSFER
•Balance ENQUIRY
•Safe and Secure

Aadhar Enabled Payment System (AEPS)

20. Benefits:
•Easy to carry
•Accept payment from any bank debit card & ATM Card
•Safe, Secure and Simple to use
•Instant SMS alert on payment
•Accepted by Restaurant, Medical shops, Garments, Jewellery
shop etc.
Micro ATM (MATM)

21. •India's leading Money Exchange Company incorporated in 1999
•Upgraded to Authorized Dealer Category -II license in 2008
•Extensive branch network spanning 69 Cities and 17 Airports






















Products and Services
Foreign
Currency Notes
Remittances Travel Cards Travellers
Cheques
INR Prepaid
Cards
EBIXCASH World Money – Foreign Exchange
India’s first
money exchange
company : digital
wallet app with a
physical card

One of largest
issuer of
Multicurrency
prepaid cards in
India

One of the
oldest and
largest partners
of American
Express

Outward
remittance
facilities : 17
different
currencies

More than 80
different
currencies

22. harya
na
Rajast
han
Gujara
t
Maharas
htra
Karnat
aka
Tamiln
adu
Kerala
Andhra
Pradesh
Oris
sa
Chhattis
garh
Madhya
Pradesh
Bihar
Punjab
Himach
al
Pradesh
Meghalaya Manipur
Mizoram Tripura
West
Bengal
Jammu &
Kashmir
Uttaranchal
Delhi
Uttar Pradesh
Sikkim
Assam
Jharkha
nd
Go
a
Arunachal
Pradesh
Our Airport and Seaports Network
Network of 3.2 Lacs
agents 75+ branches;
250 +franchisee units,
4000 cities, spread across
768 districts covering
75000+ villages
40+ airport counter
12 seaports

23. Our Business Model & Segment


Leisure Travel: Forex
for inbound and outbound
tourists
Education: Forex for students
studying overseas
Immigration: Forex for
migrants leaving from India

Overseas Film Shoot: Forex
for shooting films &
commercials overseas
Wholesale
Procurement and
Supply of Forex to
and from banks,
money exchange
houses
Import and export
of currencies
Collection from
franchises such as
Hotel Chains,
Hospitals, Temple
Trusts
Corporate
Forex for
business travel
Retail
BRANCH AIRPORT DIGITAL

24. Our Branch