Niki.

ai
Assignment

By
Anirudha Srinivas
LIST OF PAYMENT OPTIONS BY NIKI
ADDITIONAL PAYMENT OPTIONS
 The Firm has around 107 million user base and 3 million merchants on its platform
 Mobikwik is growing rapidly, is soon going to fill the gap between its rival Paytm to be number
one e- wallet and to be the first profitable e-wallet company

 Testimony - I took testimonies of few college students and they are all of the same opinion that
“ Mobikwik is easy and quick to use for small payments, KYC is not necessary up to a certain
transaction amount”
 The offers provided by Mobikwik is similar to Niki.ai and hence Mobikwik can be added to the list
 Jio has a user base of 400 million and growing. Jio is betting big in the fintech space and
wants to be the go to wallet. Considering the fact that Niki.ai has a vision to equip the next
million internet users, there is a high probability that they are Jio customers and use Jio
money.

 The out reach of Jio is pan India and caters even to the lower strata of the society and Niki.ai
‘s aim is similar, i.e. to make sure everyone is comfortable using the application with out any
language barrier. And hence it Niki.ai can add Jio money as a logical step forward
PCI DSS – REQUIREMENTS

The PCI Data Security Standard specifies twelve

requirements for compliance, organized into six
logically related groups called "control objectives".
The six groups are:
1. Build and Maintain a Secure Network and Systems
2. Protect Cardholder Data
3. Maintain a Vulnerability Management Program
4. Implement Strong Access Control Measures
5. Regularly Monitor and Test Networks
6. Maintain an Information Security Policy
PCI DSS – REQUIREMENTS

Each version of PCI DSS (Payment Card Industry

Data Security Standard) has divided these six
requirements into a number of sub-requirements
differently, but the twelve high-level
requirements have not changed since the
inception of the standard.
The twelve requirements for building and maintaining a secure
network and systems can be summarized as follows:

1. Installing and maintaining a firewall configuration to protect cardholder data. The purpose of a firewall
is to scan all network traffic, block untrusted networks from accessing the system.
2. Changing vendor-supplied defaults for system passwords and other security parameters. These
passwords are easily discovered through public information and can be used by malicious individuals
to gain unauthorized access to systems.
3. Protecting stored cardholder data. Encryption, hashing, masking and truncation are methods used to
protect card holder data.
4. Encrypting transmission of cardholder data over open, public networks. Strong encryption, including
using only trusted keys and certifications reduces risk of being targeted by malicious individuals
through hacking.
5. Protecting all systems against malware and performing regular updates of anti-virus software.
Malware can enter a network through numerous ways, including Internet use, employee email, mobile
devices or storage devices. Up-to-date anti-virus software or supplemental anti-malware software will
reduce the risk of exploitation via malware.
6. Developing and maintaining secure systems and applications. Vulnerabilities in systems and
applications allow unscrupulous individuals to gain privileged access. Security patches should be
immediately installed to fix vulnerability and prevent exploitation and compromise of cardholder data.
The twelve requirements for building and maintaining a secure
network and systems can be summarized as follows:

7. Restricting access to cardholder data to only authorized personnel. Systems and processes must
be used to restrict access to cardholder data on a “need to know” basis.
8. Identifying and authenticating access to system components. Each person with access to system
components should be assigned a unique identification (ID) that allows accountability of access to
critical data systems.
9. Restricting physical access to cardholder data. Physical access to cardholder data or systems that
hold this data must be secure to prevent the unauthorized access or removal of data.
10. Tracking and monitoring all access to cardholder data and network resources. Logging mechanisms
should be in place to track user activities that are critical to prevent, detect or minimize impact of
data compromises.
11. Testing security systems and processes regularly. New vulnerabilities are continuously discovered.
Systems, processes and software need to be tested frequently to uncover vulnerabilities that could
be used by malicious individuals.
12. Maintaining an information security policy for all personnel. A strong security policy includes making
personnel understand the sensitivity of data and their responsibility to protect it.
PCI-DSS Certifying Firms
 Students ( 18 -24)

25%
1. 25% off on Sunburn Goa event, scan your student ID to avail the offer
2. 20% off Up to 1500 /- on Digital and Social Media marketing workshop,
scan your student ID to avail the offer
3. 25% off on bill above 1000 on Dominos Pizza
4. 15% off on Wonderla amusement park entry

1. Sunburn sees some of the best DJs in the world spinning foot-tapping dance music. The festival is
very popular amongst the youth, due to its music but also largely because of the famous DJs known
for playing the out-of-the-world music you can’t stop grooving to. The majority of the crowd are
undergraduate students and they would love to avail the 25% off
2. Since the target group here are students, a workshop on digital marketing would attract a students
and a discount on a paid workshop will definitely alleviate the already existing budget crunch of a
student who is keen to get that certificate
3. As a student away from home, I am looking for ways to save money on my food bill and a 35% off on
Dominos Pizza is certainly a super delight
 Middle Aged Person ( Age: 30-45)

1. 15% off on SPA or saloon

A. SPA – Body Massage ( medicinal oil ) Restricted to these services only
B. Saloon – Haircut and Hair wash

2. 10 % off on the hotel room booked and Rs.

250 coupon on the Bar menu - Tie up with
OYO / FAB getaways
NOCOOKING
3. 15% off on Gas Bill, Mother’s day special
apply coupon

1. The people who fall under the 30 - 45 age bracket are usually business professionals and mothers
who are home makers, a 15% off on SPA or saloon services is a super delight for them after a
hectic long week.
2. Business professionals or adults in the family frequently travel or make plans for vacations a 10%
off on the hotel room a coupon for Bar menu is the perfect get away super delight
THA K
YOU