### **Overview** MOS Utility Limited is a fast-growing Indian fintech company established in 2009, committed to advancing financial inclusion and digital transformation across India. Operating under the brand **www.biz-solutionz.com**, the company functions as a digital enabler, providing integrated B2B, B2B2C, and Fintech solutions to businesses, individuals, and underserved communities. With a mission to bridge the urban-rural digital divide, MOS Utility offers a unified platform for financial, utility, travel, insurance, and government services, positioning itself as a one-stop digital ecosystem. --- ### **Core Business Segments** MOS Utility operates across three primary verticals: 1. **B2B Services**: Enables retailers, kirana stores, distributors, and local entrepreneurs to operate as digital service hubs through white-labeled portals and APIs. 2. **Financial Technology (Fintech)**: Delivers digital banking and financial services via micro-ATMs, AEPS (Aadhaar Enabled Payment System), BBPS (Bharat Bill Payment System), UPI, DMT (Domestic Money Transfer), and CSP (Common Service Point) banking. 3. **Integrated Digital Ecosystem**: Offers over **25 digital services** spanning: - Mobile/DTH recharges - Bill payments - Travel bookings (flight, rail, bus, hotel) - Insurance (2-wheeler, 4-wheeler, health) - PAN card & Aadhaar services - Courier & logistics - Postal services (via India Post partnership) - Digital lending and micro-credit --- ### **Key Platform: Q-BRIDGE** Launched in October 2025, **Q-BRIDGE** is MOS Utility’s flagship all-in-one digital services platform designed for **micro-entrepreneurs in Tier II-IV and rural markets**. It integrates: - UPI QR acceptance and Instant Credit-on-QR settlements - AEPS and Micro-ATM transactions - DMT, BBPS, IRCTC e-ticketing, tourism services - Insurance, recharges, and digital storefronts via CMS tools - POS machines and payment gateways **Key Features**: - **Zero inventory, low overhead** – enabling easy entry for first-time entrepreneurs - **RBI-licensed, fully compliant** fintech infrastructure - **Plug-and-play** deployment model - Supports **real-time liquidity and instant merchant settlements** --- ### **Strategic Growth Initiatives (FY 2025–26)** #### **1. Digital Lending & Credit Expansion** - Strategic 3-year partnership with **nStore Retech Pvt Ltd** (TSP on the ONDC network) to offer **digital personal and gold loans** through trusted local merchants. - Plans to launch **working capital lending** via **Merchant QR solutions**, enabling instant access to commissions. #### **2. Rural & Underserved Market Penetration** - Targets **50% revenue growth in FY 2025–26** through deep rural expansion. - Focus on **last-mile delivery** via over **172,000 agents**, 11,500 distributors, and 900 master distributors across **25+ states**. - Expanding **Q-BRIDGE network to 100+ districts** in rural and semi-urban India. #### **3. Technological Innovation** - CTO-led focus on **AI, blockchain, and cloud-based architecture** to enhance security, scalability, and intelligence. - Internal innovation culture via **Tech Fridays**, **hackathons**, and **API-first development**. - Upgrading mobile app with **multilingual support, intuitive UI**, and **personalized access**. #### **4. Cross-Border Expansion** - Expanded partnership with **DigiAsia Corp (NASDAQ-listed)** to co-develop **AI-powered branchless banking** solutions for India and Indonesia. - Co-developing tools for: - Agent performance scoring - Cash liquidity forecasting - Multilingual AI conversational assistant - Targeting **1 million merchants in Indonesia** as financial service agents. #### **5. New Verticals** - Entering **cross-border remittances** and **rural banking**. - Launching **micro-insurance and micro-credit** products tailored for low-income and informal sector customers. --- ### **Strategic Partnerships and Collaborations** | **Partner** | **Sector** | **Key Outcome** | |-----------|----------|----------------| | **nStore Retech** | Digital Lending | Enable personal & gold loans via local merchants on ONDC | | **DigiAsia Corp** | AI-Driven Fintech | Expand branchless banking in India & Indonesia | | **My Mudra Fincorp** | Financial Inclusion | Extend loans, insurance, investments via BC/CSP network | | **Madhya Pradesh Gramin Bank / U.P. Gramin Bank** | Rural Banking | Enhance BC/CSP model for last-mile banking access | | **SBI, NSDL, BOI, IRCTC** | Institutional Tie-ups | Strengthen credibility & service reach | | **India Post** | Postal Services | Offer Speed Post, PLI, e-MO via MOS agents (via JC Ventures) | | **Rhiti Sports Group / Spacemantra** | Digital Lottery | Launch online lotto ticket sales nationwide | | **Onix Renewable Limited** | Renewable Energy | Exclusive franchisee for solar panel distribution across 25 states | --- ### **Distribution & Franchise Model** #### **Agent Network (As of Nov 2025)** - **172,000+ Agents** (30% urban, 70% rural) - **11,500 Distributors** - **900 Master Distributors** - **250 MOS Seva Kendras (MSK)** – franchise-based physical service centers #### **MOS Seva Kendra (MSK)** - Franchise model providing **end-to-end digital services** in tier-2/3/4 towns. - Offers up to **25+ services** including banking, bill payments, insurance, travel, and digital documents. - **One MSK per pin code** planned to ensure nationwide access. - Agents receive **laptops, printers, micro-ATMs, and branding kits**. #### **Network Goals (Vision 2030)** - Expand to **300,000 agents** - **1,000 MOS Seva Kendras** - **300,000 Kiosk Banks (CSPs)** - **Revenue target**: ₹1,000 crores - **GTV (Gross Transaction Value)**: ₹15,000 crores by 2030 --- ### **Key Competitive Advantages** 1. **Integrated One-Stop Platform** Unlike niche service providers, MOS combines fintech, travel, utility, insurance, and e-commerce on a single platform. 2. **Asset-Light, Scalable Model** Leverages BC (Business Correspondent) and franchise models with minimal capex for rapid expansion. 3. **Proven Last-Mile Reach** Services delivered in **269,000+ villages, 40,000+ pin codes** across 29 states. 4. **Commission-Based Revenue Model** Agents earn recurring income; company benefits from high transaction volume and cross-selling. 5. **Technology in Control** In-house developed platform with strong focus on security, innovation, and compliance. 6. **Strong Institutional Backing** Partnerships with **SBI, NSDL, BOI, IRCTC, India Post, and major banks** enhance trust and scalability. --- ### **Recent Innovations & Milestones** - **Early Settlement via Digital QR** (Oct 2025): Introduced **India’s first Instant Credit-on-QR**, enabling **real-time merchant wallet settlements** (eliminating T+1 delay), improving liquidity and cash flow. - **Super B2B App ‘Connecting Bharat’** (Planned): To integrate all digital services for seamless delivery and adoption. - **Digital Courier Service** (Launched Jun 2024): Unique offering with **target of 30,000–40,000 monthly bookings**; growing rapidly. - **Bollywood-Themed Entertainment Park** (Exclusive): Digitized, queue-free ticketing for celebrity encounters, wax museum, 7D theatre. --- ### **Corporate & Social Impact** - **Brand Ambassador**: Nawazuddin Siddiqui (Sep 2024) – to enhance visibility in rural and underserved markets. - **Alignment with National Initiatives**: - Digital India - Vocal for Local - Financial Inclusion (Jan Dhan, Aadhaar, Mobile – “JAM” Trinity) - **Empowers**: Kirana stores, women entrepreneurs, students, and local agents to become **micro-franchisees and digital entrepreneurs**.