GHL System Berhad Annual Report 2020

03 A N N U A L R E P O R T 2 0 2 0 GHL Systems Berhad the ASEAN payment people CORPORATE PROFILE GHL is at the forefront of ASEAN’s cutting edge Fintech, empowering the revolution that is shaping today’s Payments Industry. From new-generation cashless to tailor-made value-added solutions, we offer vast payment options, both Cardholder-present and E-commerce, to fulfil merchants’ and consumers’ payment requirements. Our core business is heavily focused on the following business pillars: Transaction Payment Acquisition Shared Services Solution Services t 5SBOTBDUJPO 1BZNFOU "DRVJTJUJPO As one of the largest ASEAN’s Transaction Payment Acquirers, we acquire merchants on behalf of major financial institutions, as well as local and global payment schemes. Through this, Card Payments such as debit, ewallet and credit are enabled, allowing consumers to pay using these alternatives instead of cash. Aside from Card Payments, we also enable major local and cross border e-wallets’ acceptance across our footprint of more than 383,600 payment touchpoints. The Mobile Payments component allows us to ride the ASEAN cashless tide, alongside significant Asian digital payment players such as Boost, Touch ‘n Go eWallet, Grabpay, Thailand’s Rabbit Linepay, China’s Alipay, WeChat Pay, and many more. Our e-commerce payment gateway, eGHL, offers secure internet payment gateway capability covering both card and non-card payment channels, supporting online businesses throughout the ASEAN region. Our subsidiary, e-pay, which powers Mobile Reload and Bill Payment Services , has positioned itself as Malaysia’s largest prepaid top-up and bill collection network. e-pay processes a total of more than 15 million transactions, equaling to approximately RM400 million in value, per month. The latest addition to our value-added services is GHL’s Financial/Non-Financial Supermarket , known as GROW. GROW by GHL aspires to provide a range of curated essential services, catering to the needs of Micro and Small Medium Entrepreneurs (MSMEs). t 4IBSFE 4FSWJDFT GHL Group, provides Payment Acceptance Devices such as Android Smart All-in-One Point of Sales (POS) terminals and other payment acceptance devices that are able to perform numerous electronic payments. These devices, along with complex proprietary payment applications, developed by GHL, are offered for sale, lease and/or rental as well as on going maintenance. t 4PMVUJPO 4FSWJDFT GHL offers customized Payment Solutions , including but not limited to customised online payment platforms, payment collection solutions, integrated payment solutions, loyalty point capture /redemption solutions, loan repayment solutions, and other bank or merchant specific applications, which are designed to cater to our clients’ specific business needs. , We also offer secure and 'PCI-DSS-compliant' payment networking solutions , including both software and hardware