Dear Guests,

It is our pleasure to host you at PAYNNOVATE 2019 - an APAC Payment Innovations Forum in the scenic island of Cebu, Philippines.

We are delighted to facilitate the gathering of leaders and industry experts from twelve countries on one platform for an enlightening transfer of ideas. With the presence of like- minded individuals coupled with the breathtaking sights that Cebu has to offer, we aim to make this event highly enriching and memorable.

To ensure you have an avant-garde experience, we have organised an outstanding line up of speakers, thought-provoking group discussions & innovative demos followed by various fun-filled outdoor activities.

Wishing you a wonderful time at PAYNNOVATE 2019.

Thank you.

Ravi B. Goyal

Chairman & MD

AGS Transact Technologies Ltd

Dear Friends and Business Partners,

The 4th Industrial Revolution is changing the world we live in. Data which is now labeled as the oil of the digital era has surpassed the value of fossil fuels effective 2018. Innovations like 5G networks, quantum computing & new materials like Graphene are sparking progress and creating hope for solving centuries-old problems like chronic illnesses, environmental pollution & famine.

At the heart of all these game changing innovations sits the almighty AI. Faster networks and computers are enabling the machine learning algorithms to uncover new frontiers in science. One of those frontiers is the promise of seamless payments, making it faster, smarter, predictive, frictionless and perhaps one day, free of friction.

I can't think of a better group to discuss such topics than the one joining PAYNNOVATE 2019, an event exclusively organised for the purpose of advancements in digital payments and for sharing thought leadership amongst the best banking and retail brains in APAC.

On behalf of AGS Transact Technologies and Novus Technologies I look forward to welcoming you all at The Shangri-La Mactan, a resort classified as a marine sanctuary by the Philippines' Department of Environmental and Natural Resources. We promise you a program that is packed with business, fun and socially responsible activities.

Thank you.

Ricardos Khoury

Founder & CEO

Novus Technologies Pte Ltd