Protean Corporate Deck for information to anyone concerned
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Aug 01, 2024
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About This Presentation
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Size: 6.76 MB
Language: en
Added: Aug 01, 2024
Slides: 51 pages
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Protean eGov Technologies Limited (formerly NSDL e-Governance Infrastructure Limited) As on January 2022
About us About us: Overview Pioneer and market leader with 25 years of unparalleled e xperience in creating universal, citizen centric and population scale e-governance solutions Trusted partner of GOI for implementing large and critical technology infrastructure Large physical infrastructure with pan-India network and scale enabling inclusion Implemented and managed 18 projects spread across 7 ministries and autonomous bodies Secure, scalable and advanced technology platforms
To be a globally trusted provider of impactful digital technology solutions that promote ease of living We deliver scalable digital platforms that are reliable, private and secure MISSION
INNOVATION We encourage our employees and partners to innovate and build game changing solutions EMPOWERMENT We build ecosystems and communities to empower our customers and deliver positive impact to their lives CUSTOMER CENTRICITY We empathize with our customers. We customize our efforts to their needs GLOBAL, yet LOCAL We are ambassadors of our country and its technology capability. We localize our efforts and capabilities INTEGRITY We believe that for businesses to be successful, the foundation must be built on the basic value of integrity AGILITY We adopt new technologies in an agile way. We experiment, then scale or fail fast CORE VALUES
Digital platform and open eco systems focused on emerging sectors like education, open market places, healthcare, agriculture System Integration Services 360 Degree Technology Solutions Solution Architecture Managed Services Provider Data Centers & cloud services Our services We specialize in developing e-Governance solutions that meet business r equirements and align with enterprise architecture. We also create and enable ecosystems. We provide end-to-end sustainable solutions through strategic utilization of Information & Communication Technology Proven expertise in successfully managing large and critical applications & databases Customized cloud solutions Proven track record of providing services as an MSP (i.e., end-to-end solutions) for various projects of national importance. Robust experience in setting up and managing touchpoints/ service points across the country As a system integrator we bring in the ability to view client requirements with a macro perspective. We also bring in our deep understanding of policy formulations and compliances Open Digital Ecosystems ID Authentication and Due diligence 100% Digital Acquisition Single Identity & authentication Solutions Connected with 30 technology partners
OURNEY J Our Journey 2020 Formation of NSDL e-Governance Australia Pty Ltd. 2013 Launch of e-KYC Services Revenue Management System (RMS) for (DoT ) Data Centre Services (Tier III & IV class) 1996 Establishment of Depository System 2005 Electronic Accounting System in Excise & Service Tax (EASIEST) 2008 Central Record Keeping Agency (CRA) for National Pension System (NPS) 2011 GST Pilot project 2014 National Judicial Reference System (NJRS) Vidyasaarathi 2017 GST Suvidha Provider (GSP) by Goods & Service Tax network (GSTN) 2018 Vidya Kaushal 2004 Tax Information Network (TIN) PAN Card Issuance Online Tax Accounting System (OLTAS) Socia l Security Education and Skill Financing Solution 2007 Online PAN Verification (OPV) 2015 Atal Pension Yojana (APY) Vidya Lakshmi 2021 Formation of NSDL e-Governance Account Aggregator Limited and Protean InfoSec Services Limited 2016 eSign Tax Infrastructure Identity Services EzeeWill Others Implementing agency for Central Board of Film Certification (CBFC) Registrar & ASA for Aadhaar 1996 2022
PAN SERVICES 380 million PAN cards issued PHYSICAL NETWORK 40K+ P AN+TIN centres 80K + POP centres PENSION SERVICES Over 47.4 million subscribers IDENTITY SERVICES 90 million+ Aadhaar enrolments 151 million eSigns consumed 728 million eKYC transactions 1.86 b illion Aadhaar authentication transactions TAX SERVICES 6.5 b illion TDS/TCS deductee records ED-TECH SERVICES 3.5 m illion registered students Key Statistics
DADRA AND NAGAR HAVELI ANDAMAN AND NICOBAR ISLANDS ANDHRA PRADESH ARUNACHAL PRADESH ASSAM BIHAR CHANDIGARH CHH A T TISGARH DAMAN DIU DELHI GOA GUJAR A T HA R Y ANA HIMACHAL PRADESH JAMMU AND KASHMIR JHARKHAND KARN AT AKA KERALA MADH Y A PRADESH MAHARASHTRA MANIPUR MEGHAL AY A MIZORAM NAGALAND ODISHA PONDICHER R Y PORT BLAIR PUNJAB RAJASTHAN SIKKIM T AMIL NADU TELANGANA TRIPURA U T T AR PRADESH U T T ARAKHAND WEST BENGAL LAKSHADWEEP 1268 6403 1389 1750 54 95 4608 1287 3316 3164 470 1444 1373 4778 552 2698 1344 6667 375 4680 1799 7966 209 743 1650 3738 428 458 1019 1326 1790 3708 5482 8643 374 1260 5348 8123 1323 4946 1498 2296 17 50 5 47 225 1086 4592 1503 2539 79 104 37 141 5 73 34 197 91 203 9 104 24 332 25 155 26 65 5 P AN+TIN Centres - 40 000+ POP Centres - 84000+ LADAKH 8 Physical Network
Supported by marquee investors Administrator of the Specific Undertaking of Unit Trust of India
Strong corporate governance standards & Professional Board of Directors Board of Directors . We ensure high standards of corporate governance with guidance by experienced Board of Directors. Members of our Board are associated with diverse organizations in India and collectively possess a mix of skills and attributes with significant experience in finance, accounting, legal, banking, technology and other related sectors. Risk and Opportunities Management Committee Corporate Social Responsibility Committee Nomination and Remuneration Committee + Board level committees Audit Committee Mr. Shailesh Haribhakti Independent Director, Chairman Eminent Chartered Accountant, Chairman, Shailesh Haribhakti & Associates Board of Directors Mr. Shailesh Haribhakti Independent Director, Chairman Eminent Chartered Accountant, Chairman, Shailesh Haribhakti & Associates Mr. Suresh Sethi Managing Director & CEO Protean eGov Technologies Ltd. Mr. Jayesh Sule Whole Time Director & COO Protean eGov Technologies Ltd. Mr. Karan Bhagat Director MD, IIFL Wealth Management Ltd. Mr. Mukesh Agarwal Director MD, NSE Indices Ltd. and NSE Data & Analytics Ltd Ms. D.N.Raval Independent Director Former Executive Director (Legal), Securities and Exchange Board of India(SEBI) Mr. A.P.Hota Independent Director Ex-RBI and former MD & CEO, National Payments Corporation of India (NPCI) Ms. Nishita Mhatre Independent Director Former Acting Chief Justice of Calcutta High Court
Executive Leadership (1/2) Mr. Suresh Sethi Managing Director & CEO Mr. Tejas Desai Chief Financial Officer, Executive Vice President Mr. Amit Sinha Business Head – CRA, Executive Vice President Mr. Jayesh Sule Whole Time Director & COO Mr. Milind Mungale Chief Impact Officer, Executive Vice President Mr. Dharmesh Parekh Chief Information Officer, Executive Vice President Mr. Gopa Kumar T.N. Chief Business Officer & Interim Chief Human Resource Officer, Executive Vice President Mr. Kapil Kapoor Chief Risk & Chief Compliance Officer, Senior Vice President Mr. Bertram D’souza Chief Product & innovation Officer, Executive Vice President
Executive Leadership (2/2) Mr. Vivek Acharya Head of Internal Audit, Vice President Ms. Ashwini Naigaonkar Head of System Architecture, Vice President Mr. Nitin Joshi Head of Business Development – Sales, Distribution & Retail, Vice President Mr. Ankush Deshpande Head of Business Development – Enterprise, Vice President Mr. Hiten Mehta Head of Business Operations, Senior Vice President Mr. Dattaram Mhadgut Chief Technology Officer, Senior Vice President
Our subsidiaries Mr. Milind Mungale CEO Designate Mr. Suresh Sethi Managing Director & CEO Mr. Gopa Kumar T.N. Director Mr. Suresh Sethi Director Mr. Gopa Kumar T.N. Director Mr. Tejas Desai Director Mr. Abid Ali Allarakhia Director
Protean believes in being an organization for the future, which consistently strives to achieve Profit with Purpose. We have adopted ESG principles and aligned ourselves with the Sustainable Development Goals (SDGs) of the United Nation in our Sustainability journey.
Sustainable Development Goals for the future NO POVERTY ZERO HUNGER GOOD HEALTH AND WELL – BEING QUALITY EDUCATION GENDER EQUALITY DECENT WORK AND ECONOMIC GROWTH AFFORDABLE AND CLEAN ENERGY INDUSTRY, INNOVATION AND INFRASTRUCTURE CLIMATE ACTION LIFE BELOW WATER 1 2 3 4 7 8 9 10 13 14 5 CLEAN WATER AND SANITATION 6 SUSTAINABLE CITIES AND COMMUNITIES RESPONSIBLE CONSUMPTION AND PRODUCTION 11 12 LIFE ON LAND PARTNERSHIPS TO ACHIEVE THE GOALS 15 16 PEACE, JUSTICE AND STRONG INSTITUTIONS 17 REDUCED INEQUALITIES We help digitalise to empower communities to meet sustainable development goals
DIVERSIFIED OFFERINGS, SEGMENTS & GEOGRAPHIES
Strategic roadmap Existing Competencies Strategic Roadmap Growth Drivers Infrastructure builder & ecosystem enabler Sector focus | leveraging infrastructure assets Health | Education | Agriculture Data led services Data analytics | D igital verification | Due diligence Cloud services | Account Aggregator | Cyber security advisory Expansion into international markets National Open Digital Ecosystem e-Commerce (ONDC) | Mobility | Education & skilling | Credit (OCEN) Managing and monitoring databases & systems at scale Deploying population scale e-governance solutions Developing COE: using open-source software and interoperable network protocols ENABLING POLICY FRAMEWORK REGULATORY ENABLERS TECHNOLOGY CONVERGENCE Health: NDHM Education: NDEAR Agriculture: IDEA Account Aggregator Digital Lending Guidelines Open architecture Federated Unbundled Interoperable Inclusive
Tax Infrastructure S ocial Security Identification Services Education & Skill Financing Solutions Others Business-to-business Business-to-consumer Business-to-government Diversified service offerings across sectors catering to various customer segments eTDS Filing - Tax Information Network (TIN) Consolidated electronic tax ledger PAN Services Process applications, verification, print PAN cards and logistics management Online PAN Verification Verification for PAN by authorized investment advisors National Pension System (NPS) CRA for the NPS Mandatory pension scheme Atal Pension Yojana (APY) - CRA for the APY Voluntary pension scheme Aadhaar Authentication Register residents for Aadhaar e-KYC Services Authentication agency providing e-KYC based on Aadhaar e-Sign Services Easy, efficient, and secure electronic signing of documents Vidya Lakshmi Education loan aggregation platform Vidyasaarathi Manage online scholarship management lifecycle Vidya Kaushal Financial assistance to pursue skill development training course National Judicial Reference System (NJRS) Work Flow Management System for CBFC 1 One among only 3 licensed CRAs Only CRA licensed to manage APY Market leader in PAN allotment with 58% market share 4 Market leader in NPS with 97% market share as per subscribers Only player providing APY services ( 100% market share) Market leader in TIN services with 60% market share 5 Overview of key services NSDLgst Pilot Implementation NSDLgst ASP 2 and GST Suvidha Provider (GSP) Revenue Management System (RMS) Rank 5 th in terms of cumulative volume for Aadhaar Authentication and eKYC Market leader for online Aadhaar based eSign
Europe Southeast Asia Australia India Africa Middle East Customer Segments Governments (e.g., India and International, Multi-lateral agencies, etc.) Private Businesses (e.g., Banks, Agri-commodities players, Hospitals, etc.) Citizens and Residents (e.g., Taxpayers, Commuters, Farmers, Senior Citizens, etc.) SMEs & Startups (e.g., Individuals, FinTechs , AgriTechs , etc.) Expanding into newer g eographies Future Products / Service Lines / Sectors Cyber Security Account Aggregator Open Marketplaces Education a nd Skilling Public Finance Management System Cloud services Agriculture Healthcare Digital Verification & Due diligence
CLIENTS OUR CLIENTS
Ministries and autonomous bodies we work with Over the years, Protean has helped governments and businesses in make policies, bringing in transparency, reduce cost, strengthen administrative and legal infrastructure, secure data, reduced TAT across services and better manage change. 32 State Government/UT 8600+ Corporates Ministry of Finance Ministry of Electronics and Information Technology Ministry of Information and Broadcasting Ministry of Education Ministry of Skill Development and Entrepreneurship Ministry of Communications 35 Cr+ Customers
8600+ Enterprise partnerships across product lines, 35 Cr+ Consumers X+ Consumers PAN / TIN Digital Identity Digital APIs, Platforms, Marketplaces, Open Ecoystems Pension Products
Awarded CMMI Level 5 Certification for CRA functions Awarded Tier IV Certification for Data Centers ISO/IEC 27001:2013 certification for Information Security Management System awarded for TIN & PAN, CRA, Aadhaar Authentication & e-KYC and NSDLgst functions ISO/IEC 22301:2012 certification awarded for functions of Central Recordkeeping Agency (CRA) – CRA Settlement ISO 20000-1:2011 certification awarded for processes based on ITIL framework to manage, maintain and improve service management for CRA infrastructure ISO 9001 – 2008 certificate awarded for functions of Provision of Tax Information Network & PAN related services for Income Tax Department and EASIEST for Department of Customs and Central Excise, Government of India Certifications
Golden Peacock Award for Innovation Management – 2018 Conferred with an award at ET @ G Summit 2014 for Remarkable Contribution to e-Governance Sector” by ET Edge, An Economic Times Initiative Conferred with the SKOCH Digital Inclusion Award 2011 for Technology in Financial Inclusion for NPS Lite System ‘India’s Best Company of the Year 2021’ in India’s Best IT Enabled e-Governance Service Company Category by Berkshire Media LLC, USA. Most Innovative Best Practice in DX Awards 2021 organized by Confederation of Indian Industry (CII) for project Vidyasaarathi Awards & Recognitions
THANK YOU e-Governance for a better world
Project Details
MODERNIZED TAX INFORMATION NETWORK
eTDS Filing - Tax Information Network (TIN) Deductee (Taxpayer) records: 6458 Million CLIENT Central Board of Direct Taxes (CBDT), Government of India REQUIREMENT Complete modernization of direct tax collection system, processing, monitoring and accounting of direct taxes OUR SOLUTION Facilitate reconciliation of payment credits Built a central dashboard providing a consolidated electronic tax ledger for individual to provide complete details of tax collected / deducted at source Elimination of withholding certificate preparation / Frauds Reduce cost of compliance Availability of centralized information for MIS & Data Analytics Eliminate loss and delays in receipt of withholding Tax certificate Replacement of multiple certificates by Annual Tax statement KEY STATISTICS Assisted in policy making Increased tax collection Eliminated paper trail IMPACT
Permanent Account Number (PAN) Card Issuance Today, Protean accepts and processes PAN applications on behalf on Income Tax Department PAN cards issued (till date): 380 million CLIENT Income Tax Department, Government of India REQUIREMENT Complete modernization of the system for application processing collection, and dispatch of PAN cards in a systematic format OUR SOLUTION Verification processes and operational flows were automated resulting in 3x faster delivery to the applicant We developed a user-friendly platform for easy adoption and higher migration from offline to online application Service centers: 40,000+ Service center locations: 4,000+ We continue to facilitate offline enquires through our flagship service center across the country KEY STATISTICS Streamlined tax related activities by introducing paperless and digital processes. Allowed tax authorities to combat the unlawful circulation of ‘black’ money IMPACT
SOCIAL SECURITY
NPS: Central Recordkeeping Agency Total Investors : 14.7 million+ CLIENT Pension Fund Regulatory and Development Authority (PFRDA), Government of India REQUIREMENT To provide complete infrastructure for pension system OUR SOLUTION Allows individual to decide where their pension money is to be invested Built a platform which offers customized solution not only for governments to offer retirement benefits (pension) to their employees but also to the pension needs of Indian population Permits limit withdrawal prior to retirement Defined contribution instead of defined benefits Reduces total pension liabilities of government KEY STATISTICS Strengthened old age security Facilitated financial inclusion Assisted in policy making for social security infrastructure IMPACT
Atal Pension Yojana (APY) Total subscribers 33.3 million More than 400 banks and their over 169,000 branches are connected with our system to provide APY services CLIENT Pension Fund Regulatory and Development Authority (PFRDA), Government of India REQUIREMENT To provide complete infrastructure for pension system for the unorganized sector OUR SOLUTION We are the only CRA managing the infrastructure of the APY in India Our solution addresses the longevity risks of workers in the unorganized sector and to encourage them to voluntarily save for their retirement KEY STATISTICS Enabled development of a sustainable and efficient voluntary defined contribution pension system in the unorganized sector IMPACT
IDENTIFICATION SERVICES
e - Auth and e-KYC e-KYC transactions – 728 million CLIENT Unique Identification Authority of India (UIDAI), Government of India REQUIREMENT To enable residents to provide their identity in a seamless manner and for the service providers to offer services and give access to the benefits given by the government OUR SOLUTION The data is then communicated to UIDAI system via API integration wherein UIDAI approves or denies the application details provided Build a technological eco-system where the application data is centrally stored in an encrypted format Aadhaar authentication transactions – 1862 million Verification streamlined in real time without manual intervention The process created eliminates usage of paper and movement / storage of physical data KEY STATISTICS Financial Inclusion Transparency in Governance IMPACT
e-Sign e-Sign consumed – 151 million CLIENT Unique Identification Authority of India (UIDAI), Government of India REQUIREMENT To facilitates issuing a Digital Signature Certificate and performing signing of requested data by authenticating the Aadhaar holder OUR SOLUTION Authentication of the signer is carried out using e-KYC of Aadhaar An Aadhaar holder can sign a document with Aadhaar Biometric/OTP The certificate issued through e-Sign service will have a limited validity period and is only for one-time signing KEY STATISTICS Digital financial transactions Reduced carbon footprint Growth in the credit economy through simple and easy authentication processes IMPACT
Online Pan Verification (OPV) As on Jan 31, 2022, 5.15 billion PANs verified through our online PAN verification system CLIENT Income Tax Department, Government of India REQUIREMENT To enable eligible Entities like regulatory bodies, banks etc. to verify Permanent Account Numbers (PANs) OUR SOLUTION File Based verification Screen Based verification Handled volume of over 5.50 million transactions request in a single day in the year 2021 API based verification KEY STATISTICS It serves as one of the primary checkpoints across the BFSI sector in opening and operating accounts (corporate and retail), identification and tracking of high value transactions and is a systemically significant identifier recognized by various regulators, such as RBI and SEBI IMPACT
EDUCATION AND SKILL FINANCING SOLUTIONS
Vidya Lakshmi Students registered: 2.5 million+ CLIENT Ministry of Education ( MoE ), Ministry of Finance (MoF), Government of India and Indian Banks Association (IBA) REQUIREMENT To provide students with easier access to education loans as well as Government scholarships through a Single Portal OUR SOLUTION Facilitating banks to access applications made by students through common loan application form Developed a platform for hosting a common education loan application form (CELAF) for all banks Developed a mechanism for students to track their applications status and communicate with banks KEY STATISTICS Banks enrolled: 41 IMPACT Created a single window for students to get access to education loans in the country. It has provided the government with a transparent mechanism to monitor education financing.
Vidyasaarathi Students registered: 1 million+ REQUIREMENT A technology-enabled initiative to provide grants and scholarships to underprivileged students wishing to pursue various fields of education OUR SOLUTION Scholarships applied for are directly transferred to the students bank account Developed a platform for students to easily apply for multiple and free scholarships Fund providers design their scholarships schemes in the system and can manage them on the portal itself KEY STATISTICS Applications processed: 8,26,153 Funds disbursed: 39 Cr CLIENT Corporates IMPACT Has provided an inclusive mechanism for students to pursue their educational aspirations. Provided a transparent and workflow based solution for corporates to fulfill their CSR obligations in education.
Vidya Kaushal CLIENT National Skill Development Corporation (NSDC) REQUIREMENT To enable any Indian individual to apply for financial assistance / loan to pursue skill development training courses OUR SOLUTION Platform provides leads of authenticated loan applicant profiles Platform provides an opportunity to guide individual applicants for enrolling in eligible skill training course Skill course counselling and loan facility Single application form for getting access to multiple financing options
OTHER PROJECTS
National Judicial Reference System (NJRS) Repository of Appeals – 828k + CLIENT The Income Tax Department (ITD), Government of India REQUIREMENT To provide mechanism to manage appeals through an Appeals Repository and Management System and a ready reference of judgments OUR SOLUTION Enabling users in ITD to analyze appeals with reference to outcome of related appeals and judgments passed in past, related laws, circulars, etc. Providing all information relevant to appeal under consideration Assisting in operational matters such as tracking status of appeals, setting reminders, etc. Facilitate speedy appeal disposal to increase tax revenue / reduce litigation KEY STATISTICS Repository of Judgements – 283k +
CBFC: Workflow Management System CLIENT Central Board of Film Certification (CBFC), Ministry of Information and Broadcasting, Government of India REQUIREMENT To design, develop and maintain workflow management system and the CBFC website OUR SOLUTION Captured the end-to-end process of departments and digitized these process for seamless workflow Developed a platform for applicants to apply for certification online, check their status and make payments. It eradicated paperwork and middlemen
Protean is well placed in the education and skilling domain through its fi nancing solutions in this sector . In the skill space, we are also envisioning National Open Digital Ecosystem for Skill (“NODES”) to be a digital infrastructure with governing protocols for the education and skills community Used our expertise to develop an in-house solution on Sunbird The Sunbird platform has been adapted by the Government of India for its “DIKSHA Program” Around 10 Cr+ users are enrolled to 5.5k+ courses Learners have completed 418 Cr+ learning sessions Around 1.9 Lac + content available in various formats Education and Skilling Different Levels of School Education Skill courses Online tests Learning management system in education and skilling space Corporate trainings Certification courses
Protean is a pioneer in managing and securing large amount of critical national data for the past 25 years. We intend to focus on the consulting and advisory service models in the cyber security industry. Cyber Security Cyber security strategies Designing of security architecture Security audit and policy development Protean with its cyber security solution will be guiding organizations in: Gap assessment Audit and awareness training “GRC, Data Protection compliance” advisory and consultancy services
Backed by a tremendous experience of managing both direct and indirect taxes, Protean proposed tax eco-system solution will be a one-stop solution covering the entire gamut of taxation. Public Finance Management System Proposed products Integrated tax administration system (ITAS) Tax litigation management service (TLMS)
Developed credible business intelligence solutions by consolidating existing offerings like online PAN verification, e-KYC, GST verification and integrating with other such verification solutions to identify frauds, make credit appraisal seamless and monitor financial transactions swiftly and securely. We intend to provide due diligence services for credit providers through OCEN. Digital Verification and Due Diligence
We have incorporated our subsidiary, NSDL e-Governance Account Aggregator Limited for the account aggregation business AA enables lenders to have faster access to consented data from individual customers and small businesses without jeopardizing due diligence and security. Account Aggregator (AA) We intend to leverage our relationships with financial institutions to offer account aggregator services that will help offer digitized financial services and promote greater financial inclusion We intend to use technologies like artificial intelligence, machine learning, and advanced analytics to build intelligent AA solutions Leveraging on this consent-based ecosystem and our inherent data management skills, we also envisage to build solutions around data led businesses. Will allow more people and businesses to access formal credit Shift from asset-based lending to credit-based lending IMPACT
Our focus in the agritech space involves implementation of technology initiatives for :- We intend to leverage our existing competencies and investments in platforms like ‘Sunbird’ for capacity building in agriculture Use other open platforms and protocols such as OCEN and Beckn to create eMarketplaces and provide access to agriculture credits through a one-stop solution. Agritech Quality assessment Traceability Supply chain management Precision agriculture Provision of fi nancial services
We intend to align with the Government of India’s vision to create a national digital health ecosystem under the National Digital Health Mission (“NDHM”) initiative to provide a truly inclusive health ecosystem and access to healthcare. Protean with its already available reach to the remotest parts is looking to focus on various aspects of technology services in the health care sector We intend to provide a holistic technology service across the entire health ecosystem such as Healthcare Launched protean clinic and below are the various services Clinic Automation Practice Management Administration & Management Tele Medicine Electronic Health Records and Vaccine
We are evolving towards collaborative ecosystems and are striving to be one of the main contributors in creating and building ‘Open Digital Ecosystems’ across sectors. We expect that the full potential of technology and community will be realized by using open APIs, open standards, open data and modular architecture, thus facilitating inter-operability and unlocking shared value. Established the gateway and registry services for Kochi Open Mobility Network We are part of the advisory council constituted by Government of India to advise the Government on measures needed to design and accelerate adoption of Open Network for Digital Commerce We are one of the key ecosystem creators and enablers of the open market place Open Market Places Our Contribution