DigiSpice Tech.

- Currently, the company is not in a rush to fundraise and prioritizes stabilizing the business model first. - There might be a need to consider fundraising specifically for the credit business in the future. - Initially, the credit business will be funded through the company's own capital and tested with a co-lending model. - Future fundraising plans will be revisited based on the performance and proof-of-concept of new products, especially on the credit side. - The company is focusing on driving operating leverage and building a sound, long-term fintech business before pursuing any large-scale fundraising. - No specific timeline or commitment to immediate debt or equity fundraising was mentioned.

- Significant allocation towards tech and innovation, primarily through hiring tech talent and investment in product management capabilities and tech tools. - Focus on modernizing technology infrastructure, moving to cloud-based, asset-light shared tech infrastructure. - Introduction of new fintech products, including leveraging UPI stack with Wibmo, with pilots expected to start in Q2 of the current financial year. - Strategic investment in NBFC acquisition process, expected to close this year, with future funding initially from own capital to test products. - No specific large-scale capital expenditure mentioned, emphasis on controlled cash burn and cost management. - Focus on building a multi-product financial services platform for emerging India markets with a long-term view on sustainable growth. - Equity holding in DiGiSPICE Asia at just over 3%, indicating strategic but limited investment there.

- Over the next five years, the company aims to build a full-stack financial services platform, expanding from single-product offerings to multi-product solutions including ATM banking, collections, bank accounts, savings, investments, and credit. - Directional growth includes consolidation of the ATM business and scaling up the collections business. - Digitization in semi-urban and rural India is expected to drive movement from cash to digital, with a focus on credit solutions. - Collections business and Bharat Bill Payment System are expected to grow steadily, supported by increasing partnerships and customer accounts. - Revenues from new product lines, especially collections, are increasing their contribution to gross margins (from 8% to 14%). - EBITDA and PAT have shown growth in FY'24, signaling improving financial health. - Long-term focus is on steady, profitable growth driven by technology-enabled rural financial services.

- The company is transitioning from a single product to a multi-product financial services platform, including ATM banking, collections, bank accounts, savings, investments, and credit, which positions it for long-term growth. - Management expects steady growth in core businesses like AePS and collections, with a focus on increasing counter share and adding large enterprise customers. - Fee-based income and gross margin are projected to improve due to better product mix and introduction of higher-margin products. - The legacy B2B business is being exited, with associated cash burn and costs expected to reduce significantly over time. - Financial discipline is emphasized, with ongoing cost management strategies to optimize EBITDA and PAT. - No specific short-term earnings guidance was provided; the business is positioned for sustained growth over 10-20 years. - Consolidation and scale-up of operations in semi-urban and rural India are expected to drive future profits and EPS growth.

The provided transcript does not mention any details regarding the current, expected order book, or pending orders for DiGiSPICE Technologies. The discussion mainly focuses on business progress, financial metrics, product growth, technology investments, and strategic plans for fintech services in emerging India, without reference to any order book or pending orders data.