E-SADAD Services Periodic Assessment

(E-SADAD) ‘j'-aii. SjjaJ 4 Aj UAjjjA .2 A U aaJI dJalui www.pma.ps 4—j n i H hi InII -v ni II nKI hi PALESTINE MONETARY AUTHORITY -»■*. -all 4 l^n . >. 1~ '1 2\ II f»4Aij jjlxa.>il u-"1^ : Jj Lu uillu __ (jx aSLIIj l^llaJI CjLaAi. 5-^> I ^1.Y-k~u.il .1 .0>lc.l I4JI jLLall i~'l ^_'L~II Ramallah & Al-Bireh Governorate - Palestine P.O. Box 452 O iP cnKuilo - ojullg oJJl plj oJidkio info@pma.ps | Fax: +970 2 2415310 rjuAln | Tel: +970 2 2415251 :aula I Postal code: P616O675 ^aijtJI jnjJl (2024/11 M) fij tCLabJI uijluxdl ^Jl 2024 oouLj 11 cjjjjyi jL-Jaj La-liJI (XjAfij jjjLuJI E-SADAD j>Uiu CuLoAk (XUflj I. i.lgi 4AJ (09) (Jj oULJI cp (3/6) & ojU] ol^l aAK 5^ l^jU jli 2024 4_ni~i i' Support@ppsc.ps ^jjjSiyi AjjJI JI oiflSxJI (Xuikll Jtu 4A Ajl^j j>a (Jc- (*LI 4..ix>-k. J>Lk pjjg'ill JLj JJjl Jjx. <_ilLu L^s .2024/11/30 ol.^>4 . <. 10-111 Ale- jl A-Iaj.

E-SADAD SERVICES PERIODIC ASSESSMENT (XX Bank/ XX Company) © 2024 Palestinian Payment Services Company 1 All rights reserved. All information contained in this document is confidential and proprietary to the Palestinian Payment Services Company. No part of this document may be photocopied, electronically transferred, modified, or reproduced in any manner without the prior written consent of the Palestinian Payment Services Company. c.opJI CjIozdJ adihmloJI qSjlllII Palestinian Payment Services Company E-SADAD

Table of Contents

1. About the Quality Assessment 4 1.1 Corrective actions 4 1.2 Support 4 Regulatory Complaince 5 2.1 E-SADAD Service Access Channel Availability 5 Exclusive service provision 5 2.3 Biller Category Identification Name 6 2.4 Applying OTP Security Check for E-SADAD Bill Payments 6 2.5 Providing functional services to E-SADAD users 6 2.6 Matching and Reconciliation 7 2.7 E-SADAD Awareness and Support Services 7
2. Updating Biller List and Services 7
3. Additional feedback (if any) 7 9

Bank/ PSP Name: Prepared By: Yes No I..... Assessment Period (MM/YYY) Signature and Stamp Submission Date 3 Disaster Recovery Site (Must include all e-channels) Authorized and Approval by (such as: Compliance Division/ other departments) Test Environment (Must include all e￾channels) •.'■J i Apple Mobile nAndroid Mobile Internet Banking E-Wallet Agent's web/ Portal All Other, specify

1. About the Quality Assessment SADAD services are provided through the designated system interface and comply with the relevant regulations. The purpose of this periodic assessment is to evaluate the compliance and performance of E-SADAD services. It ensures that all processes meet regulatory requirements and that services are fully operational, accessible, and effectively managed across all electronic channels. The assessment focuses on critical areas such as security measures, service functionality, biller updates, and client support, with the goal of maintaining high standards in service delivery. This assessment must be performed quarterly by the members, with the approved results submitted to Support@ppsc.ps within 5 working days of each quarter's conclusion, and additionally upon PMA's request as an ad-hoc assessment when needed. 1.1 Corrective actions measures to Support@ppsc.ps. Member staff are responsible for identifying and determining the cause of these ’non-compliance'' issues and implementing measures to prevent recurrence. We recommend utilizing the Biller List API provided by E-SADAD to automatically update biller and service information. 1.2Support For any inquiries or additional information related to this assessment, please forward your requests to: Support@ppsc.ps. Follow-up- Contact: Remal Saad 050592818082 4 All reported "non-compliance" issues must be reviewed by the members' specialists. Appropriate corrective actions should be taken immediately, and our team should be notified upon completion of the corrective This assessment is conducted in accordance with Article (6/3) of Instruction No. (9) for banks and Instruction No. (2) for PSPs related to the National Bill Presentment and Payment System (E-SADAD). These instructions require members to perform periodic internal quality assessments to ensure that all E-

Duaa Sulieman 0595807385 E-SADAD service can be accessed by clients via: Mobile App. Internet Banking. E-Wallet. Agent’s web/ portal. Other, specify 2.2Exclusive service provision E-SADAD is the only available channel to provide E-Billing and Payment for clients. □The Biller List and Services are exclusively available through the E-SADAD, with no duplication or availability elsewhere. If any duplication exists, please specify. Biller Name Sen/ices Biller Name Services 5 □The member provides additional channel for providing E-Billing and Payment for clients via e-channels; If selected please provide a list of billers and services connected to the additional channel: 2. Regulatory Complaince 2.1 E-SADAD Service Access Channel Availability

2.3Biller Category Identification Name □The Biller Category name is updated by using E-SADAD Biller List API without any manual intervention The Biller Category name is updated manually. If selected, please provide the current identification used for each of below categories: E-SADAD Biller Category member used Category Identifier 2.4 Applying OTP Security Check for E-SADAD Bill Payments □The member applies an OTP security check for each E-SADAD Bill Payment request processed through all e-channels. □An OTP security check is not applied on payment level through e-channels. 2.5Providing functional services to E-SADAD users The client is able remove a registered billing service. Display paid payments information and history, SMS notifications are sent for bill payments. □The client can review the exchange rate before executing the payment when the payment currency differs from the invoice currency. The member allows a payment in a different billing currency. 6 j-'is Municipalities Services oUikJl Water Electricity Gas jWlj oUJl Telecommunication and Internet EDUCATION VEHICLES Associations and Chambers oUiJl MFIs ija Entertainment Electronic Wallet Services Hukumati IT Services Sja-jJjjSj cjLus. Judicial Authority akt.JI Purchase Installment oLii-.-kUai

2.6Matching and Reconciliation The member applies a Matching & Reconciliation process using the E-SADAD Standalone Interface to complete this process. The member reverses any invalid payment upon receiving the invalid payment response through E SADAD APIs. 2.7E-SADAD Awareness and Support Services □The member provides a dedicated support service for managing client complaints or disputes related to E-SADAD. If selected, please provide additional information: □When a client receives a payment notification, the member ensures the client receives sufficient information, including the service name, payment amount, date, and time. Clients are notified by the member when a new biller is added to E-SADAD. Clients are notified by the member when a new key biller joins E-SADAD. Client FAQs regarding E-SADAD are provided by the member. The member has a strategy or plan in place for promoting the E-SADAD services, raising usage, and raise awareness. □The Biller List and Services are updated upon PPSC e-mail notification, using the API service provided by E-SADAD. The Biller List and Services are updated manually upon receiving PPSC email notifications. may wish to provide. 7 4. Additional feedback (if any) We highly appreciate any recommendations, suggestions for improvement, or additional information you 3. Updating Biller List and Services □The Biller list and Services are updated daily using the API service provided by E-SADAD.