Mintoak

Mintoak is an innovative start-up built on the pillars of a unique technology solution. We are a merchant SaaS platform for banks to expand payments proposition to cross-sell & deliver financial products to SMEs. Mintoak’s comprehensive digital ecosystem simplifies payments processes for small businesses with the help of banks, thus bridging the long-existing gap between the two

Core Products/Services

• Omnichannel Payments: Offers a modular, cloud-native, API-first payments platform that enables merchants to accept various payment modes, including cards, QR codes, UPI, and SMS link-based payments.

• Financial Services: Provides access to lending and insurance products, enhancing financial inclusion for SMEs.

• Value-Added Services: Includes real-time business analytics and customer engagement tools to support SME growth.

Unique Value Proposition

Mintoak's unique value proposition lies in its ability to bridge the gap between banks and SME merchants by providing a comprehensive suite of digital payment and financial services. It empowers banks to offer user-friendly platforms for merchants, enhancing their financial capabilities and operational efficiency.

Business Model & Revenue Streams

Revenue Generation

Mintoak generates revenue through the following channels:

• Licensing Fees: Earns fees from banks for using its platform.

• Transaction Commissions: Receives commissions based on transaction throughput.

• Financial Product Distribution: Earns fees for distributing financial products such as loans and insurance to merchants.

• Value-Added Services: Charges for additional services like real-time analytics and customer engagement tools.

User Segmentation

• B2B Customers: Primarily targets SME merchants through partnerships with banks.

• Enterprise Customers: Works closely with major banks to customize solutions for their specific market needs.

Growth Strategy

• Market Expansion: Focuses on aggressive international expansion into emerging markets like Africa and Southeast Asia.

• Product Innovation: Continuously develops new products and capabilities to enhance merchant services.

• Partnerships: Leverages bank partnerships to scale its operations and reach more merchants.