Electronic payment

Shamel is an End-To-End Eco system which covers every component of the Digital Money realm and value-added chain. The system covers all stakeholders: Banks, Clients, Agents, Retailers, billers and SAMA. It supports all known types of payments through MADA Epos, NFC, QR, OTP. It also supports IOs, Android and featured phones.
Digital Cash International (DCI), had developed a state-of-the-art platform “Aggregation Cloud (AC)”, which enables the billers to integrate and use SADAD without the need to have an expensive and sophisticated infrastructure with secured, fast and easy to use way. Billers who wish to integrate with SADAD through AC can present their bills through simple excel sheet, text file, AC portal, or direct integration between billers’ application and AC platform. AC will present the billers’ bills in SADAD and inform the billers’ customers about SADAD bill number of which he or she can settle it through bank account.
SoftPos is the Epos running on Mobile. This part of the Eco system is used by the retailers to accept MADA payment instead of physical POS used today. Retailers can download the application on their own devices and register with partner bank.

E-Commerce

Retail industry is witnessing a significant changes and challenges due the advent of e-commerce which made the world looks virtually like one marketplace. This resulted to increased competition for the retailers and more options for the buyers.
e-commerce has many advantages such as cost reduction and easier customer reach, but at the same time it has its own challenges such as marketing, return policy and price comparison.
Delivery and acceptable electronic payment methods are the barriers to e-commerce success should such challenges not been dealt with.
In spit of the huge retail Saudi market and the availability of well reputed and successful first-class retailers, however, the new changes happening in the retail market due to the competition represented by the international e-commerce marketplaces had created unprecedent challenges to the local retailers- and opportunities at the same time.
This made Digital cash international a leader in defying those challenges and supporting the local retailers to market their products and services in local e-commerce marketplace to national and international customers.
Partnering with Saudi Post had allowed the reach to all who has the national address registered in their profiles. Through special mobile application, everyone who has a national address can receive electronic commercial promotions and buy from the e-commerce marketplace, pay through different payments methods and gets his goods delivered in fast, low cost and easy way.

Digital promotions

Interested merchants can electronically present their promotions through e-commerce portals. In turn, the promotions will be electronically presented to the customers. When the customer views the promotion, the merchant will pay against every view; In return the merchants will have the advantage of getting vital demographical information such as who viewed the promotions: age category, sex, nationality, district, city, time to market…etc

Digital remittance

DCI International Remittance model is a branchless 24/7 model. It enjoys the following features:

  • The cost is cheaper then Over the Counter (OTC) due to the concept of Shamel e-wallet elimination of OTC and depending on agents’ outlets
  • The model is agile as the transfer can be made from Kiosk, Mobile, Portal, ATM
  • Can be made 24/7
  • Can be cashed out in many countries via different channels
  • Can rollout to new corridors easily
  • Can integrate instantly with 3rd party e-wallets in different countries

Electronic bills and presentment centre

Electronic bills presentment centre is the strongest component of the Eco system. The centre will allow the billers to issue electronic thick presentment bills instantly and be pushed to its clients using Shamel Mobile wallet. Shamel users can view all types of bills in one place and settle them in one tap.
Biller can send to all or group of customers based on certain category such as geographic fence, age, conception level or any other category.

“Sadad” Aggregation cloud

Digital Cash International (DCI), had developed a state-of-the-art platform “Aggregation Cloud (AC)”, which enables the billers to integrate and use SADAD without the need to have an expensive and sophisticated infrastructure with secured, fast and easy to use way.
Billers who wish to integrate with SADAD through AC can present their bills through simple excel sheet, text file, AC portal, or direct integration between billers’ application and AC platform. AC will present the billers’ bills in SADAD and inform the billers’ customers about SADAD bill number of which he or she can settle it through bank account.
Billers can monitor the life cycle of their presented bills through sophisticated dash board where the status of the bills are updated instantly.

Electronic vouchers management system

Merchants can subscribe in the electronic vouchers management system where they can issue electronic vouchers for their customers. Every voucher will have a validity date, places where this voucher is redeemable and the remaining balance available in the voucher.

Customer loyalty and awarding program

DCI e-commerce introduces a one-off loyalty program where customers will gain loyalty points from any purchase(s) take(s) place from any of the marketplace merchants. The loyalty points can be converted into actual cash and can be withdrawn from any ATM or be used to pay in any MADA POS.

High technology projects

DCI has the capabilities and the network of international partners which enables the company to implement AI & IoT projects as well projects related to drones technology, smart cities and smart grid. DCI has unique capabilities to implement billing systems for utility companies and smart metering.

High technology consultancy

DCI provides consultancy in the Fintech and High-tech projects.