GHL System Berhad Annual Report 2019

GHL Systems Berhad the ASEAN payment people CORPORATE PROFILE At the forefront of ASEAN cutting edge Fintech, GHL empowers the payment revolution that is shaping spending habits today. From new generation cashless to personalised-value added solutions, GHL offers extensive payment options, both offline and online, to fulfil merchants’ needs. GHL aspires to uplift businesses byway of upgrading their transactional operations, while delivering convenience to consumers to enhance shopping experiences. With over 25 years worth of expertise to enrich GHL's portfolio, GHL now has presence across 7 countries- Malaysia, Thailand, Philippines, Indonesia, Cambodia, Singapore, and Australia, managing over 397,000 footprints and processing RM1.5 billion payment transactions value per month. GHL also has software development centres in Wuhan (China), Philippines, and Malaysia. GHL business pillars consist of: 1. Transaction Payment Acquisition a. Card Payment Dubbed as ASEAN’s principal Third Party Acquirer in ASEAN, GHL represents major financial institutions locally, as well as, globally reputed payment schemes. b. Payment Collection Malaysia’s largest reload and bill collection network under the emblem of a well-recognised purple logo, e-pay, processes a total of over 30 million transactions amounting up to RM350 million in value, nationwide per month. c. Next Generation Payment Riding the Asian cashless tide, alongside significant Asian mobile/digital payment players, GHL includes major local and cross border e-wallets’ acceptance across its footprint. d. Internet Payment Solution GHL's online payment arm - eGHL, offers secure internet payment gateway covering both card and non- card payment channels, and online businesses throughout the ASEAN region. 2. Shared Services: GHL provides Android All-in-One Point of Sales (POS) terminals and other payment acceptance devices that can perform numerous electronic payments for credit cards, debit cards, e-wallets, loyalty points’ capture, redemption transactions, loan repayments, and other bank/merchant specific requirements. These devices offered are either on a sale, lease, rental, and/or maintenance basis. 3. Solution Services: GHL offers extensive loyalty and prepaid e-wallet solution that supports the collection and redemption of loyalty points, prepaid e-wallet, and gift card payments. GHL also offers a secure ‘PCI-DSS-compliant’ payment network that supplies both software and hardware solutions, on top of customised internet payment solution. GHL has also been listed on Bursa Malaysia since 2003. For more information about GHL Group, kindly visit www.ghl.com A N N U A L R E P O R T 2 0 1 9 03