PROPOSED SOLUTIONS

FOR
Dpulze Shopping Mall
Updated: 5 March 2018
Fullrich Malaysia aims to realize the full benefit of technology in everyday life

FULLRICH MALAYSIA SDN BHD

A financial technology solutions provider established to

empowered consumers and businesses, and contribute to
Malaysia’s digital economy agenda.

Fullrich provides payment solutions with various solutions,

including:

• Internet payment system

• Aggregated payment system
• Smart city system
• Value-‐added and anti-‐money laundering system
• Risk control provisions verification system
• Special Report
• Marketing Platform

Private & Confidential – Not for Distribution or Reproduction

 Fullrich’s TaPay APP able to Aggregates ALL Payment Solutions Within A
Single eWallet App

The development and advancement of mobile

payments provides merchants with convenient
aggregate platforms that accept (and process) a variety
of payment methods such as:
Bank / debit
cards
1. AliPay payment code
2. WeChatPay payment code
3. Bank / debit cards
4. Cash, coupons, micro red packets
5. Credit cards

Our solution also provides daily cash reports (to give

merchants an overview of their business), which
eradicates manual bookkeeping (and therefore reduces
errors in reporting) and saves time.
Coupons and
red packets

Private & Confidential – Not for Distribution or Reproduction 3

Fullrich Malaysia is Supported by Strong Partners with a Single Shared Objective:
“Make Fullrich the Dominant Cashless Solution Provider in Malaysia.”

FULLRICH BEIJING
Technology specialist
and provider

Sponsor bank

DEALER NETWORK
Go-to-Market Ground Smart city model and
Troopers enabler

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Through This Unique Relationship, Fullrich Offers A New Model That Nobody In
The Industry Has Implemented Before; In Turn Offering Tremendous Value To r
Custome s
MEET OUR 5 S’S

Speed Scale Security Simplicity Sophistication

• To market: via
partnership with Affin
Bank (rolling out to its
existing merchants)
and Cyberview (rolling
out in Cyberjaya)
• To set up: merchants
onboarded in 48
hours; users
onboarded
immediately
• To grow: via partner
and dealer network,
Fullrich reaches across
Malaysia and the
region.
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Reproduction
• For merchants: • Bank-grade:
dealer network allows
Fullrich to reach
merchants across
industries and
locations quicker and
more cost-effectively,
thereby allowing
• International
Fullrich to scale faster.
• For users: size &
growth rate of
marketplace and
number of merchants
accepting Fullrich
solution (whether as
Fullrich app or white-
labeled) means
consumers are able to
use our solution
across daily life.
• QR Code: a method of • The Forefront: Fullrich
partnership with Affin identification & Malaysia will continue
Bank means all transmitting of data to introduce the latest
Fullrich processes that has been in place international
must pass Bank globally (and in technologies such as
Negara Malaysia Malaysia) for years, retina-scanning
requirements. QR codes are simple features (for enhanced
to roll out and use. security).
Advancements to
standard: Adherence • Experience: Fullrich
Fullrich’s solutions will
to all required / Malaysia is
be rolled out only upon
voluntary standards committed to
approval from Bank
within the industry ensuring a smooth,
Negara Malaysia, and
e.g. PCI DSS. seamless and simple
only with the support of
experience for
relevant partners.
merchants, users,
and dealers – from
signing up, to daily
usage, to transfer of
funds, to issues
management.
5
How We’re Getting There
International Standard, Bank-Grade Security Wide-range of Offerings Value-Added Solutions
Something for Every Industry
/ Merchant / Consumer
Security
certification
PCI DSS

Illegal
businesses
Blacklist database
blacklisted

Fraudulent
Anti-fraud system transactions
blacklisted

• Coupons and cash-back

Daily
systems, in addition to loyalty
transaction Transaction monitoring
points and points for referrals
monitoring
• RFID bracelet / wearable
Identify tech integration
money • Data analytics: trend analysis
System monitor laundering and predictive analysis
transactions • Geo-targeting for flash deals
to prevent / targeted promotions
risks • Storage of all loyalty cards
across
programs within app
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Together With Strong And Effective Local Partners, Fullrich Can Provide Best In
Market Offerings To Its Customers

Lower cost of No limits: our products Merchants Seamless We provide merchants

processing can be used by receive bank- integration with with the ability to
payments customers of any bank, grade security, legacy Point of significantly automate
on any device, across and the peace of Sale (POS) processes through
any telco provider. mind from Affin solutions and added device-agnostic
Bank, which is ECR devices. This enhanced
responsible for reduces errors, technologies such as
settlement. report duplication, kiosk and mobile
and transaction solutions.
settlement costs.

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Solution: F&B & Retail: Payment Using E-Wallet

Purchase & transfer funds via QR code / selecting merchant ID in app

1

Goods & receipt (print or digital)

Funding for e-wallet Withdrawal from e-wallet

Example QR Code
Vending Machine in
China taken from
Google Image
search without
permission.

Private & Confidential - Not For Reproduction or Distribution © Fullrich 8

 Solution: Additional Services

App • Bill payments

• Council Fees (City councils)
• Airfare (AirAsia) purchase
1
• Bus & train tickets
• Education fees (public & private institutions)
8 • Credit card and loan payments
Notification & receipt
Kiosk • [APP ONLY] Push notifications for council announcements
Website
2 for citizens / businesses (such as tender alerts)
• Healthcare costs

Request
7
• Road tax renewal application
permission &
funds • Voter registration / change of address or other details
4
• Payment of fines (PDRM, council, etc)
5
• Track status of council applications & licenses
3
6 6 • Prepaid top-ups for cellphones, online shopping, etc
Send approval
and funds

Private & Confidential - Not For Reproduction or Distribution © Fullrich 9

How We Protect Users and Merchants

• Bank-grade • Insurance • Total observance • Observance of • Proof of identity requirements

security coverage of Trust of Bank Negara international • Proof of financial ability requirements
• Trust Account in Account by PIDM Malaysia rules Cardholder Data • E-KYC and KYC with Affin Bank
Affin Bank and regulations, security and • Ongoing monitoring of merchant and
including e- safety protocols user accounts
money license
requirements

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Pricing & Package Options

Instead of customers keying in card information for purchases, users of

Fullrich’s e-wallet can pay and receive refunds via QR code.
Payments and refunds via QR Code
Cost of QR code and integration: None

Transaction fees and settlement Now until 31 March 2018: 1% transaction fee, T+11 settlement

1: Only for Affin account holders; non-Affin holders to add +1 working day to settlement period

Payment analytics for better understanding of

consumer behaviors across demographicsand Cost of analytics delivered monthly: None2
locations.
2: For basic analytics

Private & Confidential – Not for Distribution or Reproduction 11

 THANK YOU
For Enquiries:
Nurul Hafiza |Marketing Manager of Fullrich Malaysia Sdn Bhd |
nurulhafiza@fullrich.com.my

Private & Confidential – Not for Distribution or Reproduction