Introduction

 What is a Neobank?
 Business model of a Neobank.
 Examples of Neo-Banks.
 Reports and policy recommendations till now:

Explanation of Different Terms [Different businesses that a Neo-Bank can get into]

 Payment Gateways
 Payment Aggregators
 Prepaid Payment Instruments (PPIs)
 Co-branded Cards

Co-Branded Cards

 The eligibility criteria for issuance of debit, credit and co-branded cards:
 Governance-framework for issuance of such cards:
 Co-branding arrangement:
 Closure of cards:
 Interest rates and other charges:
 Data sharing restrictions:
 Intimation to customers before reporting default to credit bureaus:

Digital Lending by Neo-banks and Role of NBFCs

 Report of Working group on Digital Lending:

 Fair Practice Compliances:

Master Directions on PPIs

 Eligibility requirements:
 Authorisation process:
 Issuance of PPIs through virtual/physical cards:
 Role of co-branding entity:
  Display of branding on the card:
 Loading and reloading of PPIs:
 Co-branding arrangement criteria:
 Cross-border transactions types of PPIs and their interoperability:
 The Use of money kept in Escrow Accounts

Payment Aggregators and Payment Gateways

 Approval
 Eligibility Requirement for authorization:
 Structuring of the model and role of Escrow Account:
 Storage of details:
 Tokenization of Transactions:
 Examples:

Outsourcing of services by Banks

 Restrictions on services which can be outsourced:

 Conditions regulatory and supervisory requirements:
 Risk management protocol:
 Terms & Conditions for outsourcing agreement:
 Offshore outsourcing:
 Monitoring and reporting requirements:
 Liability of banks for outsourced services:
 Responsibility of bank outsourcing services:
 Outsourcing within a group/Conglomerate:
 Use of sub-contractors:
 Features which a Neo-Bank can offer because of this arrangement:
 Examples: