CORPORATE PROFILE As ASEAN’s leading payment solutions provider, GHL’s reach spans across six countries; Malaysia, Philippines, Thailand, Indonesia, Singapore and Australia – stretching over a vast footprint of 480,000 payment touchpoints. At the forefront of the region’s cutting edge fintech, GHL empowers the payment revolution that is shaping today’s spending trend, offering extensive payment options, both offline and online to fulfil merchants and consumers’ needs. Our core activities are focused on these business pillars: Transaction Payment Acquisition Solution Services Shared Services • Transaction Payment Acquisition As one of the largest ASEAN Transaction Payment Acquirers, we acquire merchants and enable them for debit and credit card payments as well as digital wallets, allowing consumers to pay using these alternatives instead of cash. Riding the ASEAN cashless tide, alongside significant Asian digital payment players, GHL’s Mobile Payments enable major local and cross border e-wallets’ acceptance across our footprint of more than 480,000 payment touchpoints. Our internet payment gateway, eGHL, offers a secure Online Payment gateway that covers more than 100 scheme and non-scheme payment channels, with a single integration, throughout the ASEAN region. Our subsidiary e-pay, powering the Prepaid Topups & Bill Collection services, leads Malaysia’s mobile reload & bill payment collection network, processing over 19 million transactions, amounting to over RM500 million in value, nationwide per month. In addition, we provide a range of Value-Added Services to ensure financial inclusion. This includes short-term SME loans, with flexible payment options, allowing businesses to access the capital they need to expand and thrive. These services complement our core offerings, contributing to the growth of our businesses across the ASEAN region. • Shared Services GHL provides Payment Acceptance Devices such as Android All-in-One Point of Sales (POS) terminals and other devices, enabling them with complex payment applications, which are able to perform numerous electronic payment transaction types. • Solution Services GHL offers Payment Solutions that includes customised online payment platforms, payment collection solutions, integrated payment solutions, loyalty points capture/redemption solutions, loan repayment solutions, and other bank or merchant specific requirements designed to cater to our client’s specific business needs. We also offer both software and hardware solutions, supporting our client’s development of secure payment networks. 03 ANNUAL REPORT 2023
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