CompanyPresentation| All rights reserved © VNPAY 1

VNPAY – EVOLUTION OF

E-PAYMENT SERVICES

and ECOSYSTEM

VNPAY SNAPSHOTs

A LEADING INTERMADIARY

PAYMENT SERVICES PROVIDER IN VIETNAM

HCM – Rep. OfficePHNOM PENH

HANOI – Head Office

+ 500 employees

Network1

Partnered with 41 banks in Vietnam and

4 international card organizations

Partners3

6,500+ domestic and international billers and merchants

Mobile

Banking

Topup Bill payment Payment Gateway

SMS

Banking

QR Code Air ticket Hotel Booking

Products – Services2

Insurance Transportation

(establised on 7/3/2007)

2

VNPAY SNAPSHOTs

Headquarter: No.22 Lang Ha St.,

Dong Da District, Ha Noi, Vietnam

Representative office: 8th Fl.,

Central Park Building, 117 Nguyen

Du St., Ben Thanh Ward , District 1,

Ho Chi Minh City, Vietnam

HCM – Rep. OfficePHNOM PENH

HANOI – Head Office

Network

+ 500 employees

1

3

VNPAY SNAPSHOTs

The first company awarded all 4 licenses for:

⁃ Electronic payment gateway

⁃ Facilitating collection and payment services

⁃ Facilitating electronic money transfer services

⁃ E-wallet.

50+ technical licences

Mobile

BankingTopup Bill payment Payment GatewaySMS

Banking

QR CodeAir ticket Hotel Booking

Products – Services2

InsuranceTransportation

4

VNPAY SNAPSHOTs

Member of QR Code Research Committee – State Bank of Vietnam.

The first company in Vietnam providing payment gateway integrating QR Code.

Based on international EMVCo QR standard to enable international integration.

Prevalence

- ~25,000 terminal POS of 6,500+ active merchants.

- 28 mobile banking apps.

- Expect: 100,000+ merchants and accepted by all banks in Vietnam by 2020.

Unrivaled QR Payment Servicein Vietnam

Mobile

Banking

Topup Bill payment Payment Gateway

SMS

Banking

QR CodeAir ticket Hotel Booking

Products – Services2

InsuranceTransportation

5

VNPAY SNAPSHOTs

Partnered with 41 banks in Vietnam and 4international card organizations

Partners3

6,500+ domestic and international billers and merchants

6

VNPAY SNAPSHOTs

Partner with 41 banks in Vietnam

and 4 international card

organizations

Partners3

6,500+ domestic and international billers and merchants

41 Banks in Vietnam

10 Banks in Cambodia

and other banks …

4 international card organizations

7

VNPAY SNAPSHOTs

Partnered with all Telcos in Vietnam

Partnered with 41 banks in

Vietnam and 4 international card

organizations

6,500+ domestic and international billers and merchants

Partners3

8

VNPAY SNAPSHOTs

Partnered with goods and services suppliers

Partnered with 41 banks in

Vietnam and 4 international card organizations

6,500+ domestic and international billers and merchants

Partners3

9

~25,000Merchants'selling points

41 Banks in Vietnam

Mobile Banking App

VNPAY ECOSYSTEM

VNPAY is not just a payment company but a well-established ecosystem for e-commerce.

Financial services

Mobile Banking

SMSbanking

Payment gateway

MMS & QRProtocol

HotelMobile Top-up

Cross selling

Travelling E-commerce Insurance

Bill payment

Transportation Entertain-ment

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#1

VNPAY is a leading company in Vietnam providing Mobile Banking Platforms

that integrate banks, merchants and customers in the most convenient and safest way.

Mobile Banking Users

VNPAY ECOSYSTEM: INNOVATIVE B2B2C MODELs

and other banks ...

41 Banks in Vietnam~25,000 Merchant Terminals

Topup

Bill Payment

Air Ticket

Hotel

Insurance

Shuttle bus ticket

Train ticket

Ecommerce

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VNPAY is also providing Mobile Platforms to the 2 biggest Airlines in Vietnam – Vietnam Airlines and VietjetAir

that integrates all kinds of tourism services providers to satisfy diversified demands of the tourists.

VNPAY ECOSYSTEM: INNOVATIVE B2B2C MODELs

Tourism serivesTourism services

Air Ticket

Hotel

Insurance

Transportation

Ecommerce

Entertainment

Financing

Airlines

and other Airlines to be expected for future

Others…

Tourists

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Artificial intelligence: Chatbot (integratedinto mobile banking app), Vending machines

Big data: Analyze users’behavior; quickly syncscontacts data with customers’data using mobile banking app

Blockchain: integratedinto merchant app toincrease services’ quality

QR technology: (EMV QR Code): enable to reach world market and facilitate payments from tourists and foreigners

VNPAY TECHNOLOGY AND TECHNICAL EXPERTISE

Virtual Reality: enhancecustomer-merchant interaction

Internet of things: Connect anddigitalize elements of the supply chainto serve customers at the bestconvenience

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Dominating QR based payments in Vietnam

Building a multi-vertical commerce ecosystem

Building up and reliably managing comprehensive customers’ data warehouse

Continue to digitalize and simplify Vietnamese customers’ life

VNPAY FURTURE DIRECTION

Expanding to international markets

Strengthening operation capacity and scale through acquiring technology and/or trading

companies

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THANK YOU!