2.presentation

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
(1405625-M)

RPS-i

Islamic Redeemable Preference Shares

Providing superior returns to subscribers
through financial technology projects

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDW h a t is P re fe re n c e Sh a re s ?

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED “THE GREATEST VIEWS
NEVER COME FROM
COMFORT ZONES.”

Contents FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

Top Management & Islamic Redeemable Mile st o n e a n d
Investment Comittee
P re fe re n c e Sh a re s (RP S-i) Co lla b o ra t io n s
Our leaders that propels us
into the future Information Utilisation of Proceeds
Memorandum Media Appearance
And also our Shariah and Subscription Certification Our Latest Development
Legal Adviser Shariah Compliance
Certificate

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDOUR
PORTFOLIO

We focus on 5 key areas of
Fintech:

• E-wallet
• Digital Commerce
• Remittance
• Big Data Analytics
• Artificial Intelligence

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDNEW STRAITS TIMES (NST)

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDPRESS RELEASE ‘HEALTH MATTERS’

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDTOP

MANAGEMENT

Our leaders that propels us
into the future

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
EXECUTIVE CHAIRMAN

EZMAN ZAMANI

• Founder and owner of Radiance Group of Companies
• Radiance Group consists of 7 companies with various businesses such as Agriculture, Entertainment, Tourism,

Fintech, Edu-tech and many more.

• Graduated with a BSc in Environment & Occupational Health (UPM) Majoring in Indoor Air Quality in 2010.
• Started his career as a business consultant even before he graduated from the university.
• By using his excellent connections, he assisted plenty of companies to link with the government agencies as

his philosophy is Top to Bottom rather than Bottom to Top.

• Involved with corporate sectors since his very young age and it develops himself to be resilient and mentally
prepared for any uncertainty events.

• Actively involved in many heavy industries from 2008 until 2015 such as Logging, Tin Mining, Iron Ore Mining,
and government projects.

• Former Chief Marketing Officer in one of the best financial firms in Sydney Australia since 2017 until 2020
• More than 10 years of experience in the investment industry
• In 2016, he managed to turn a 100 Ringgit company to be a Million Dollar company in less than 2 months under

his leadership.

• Specializing in Technical Analysis, Sales & Marketing, Dealing, Compliance, Commodities, Money Market, Risk
Management and Stocks.

• Certified Licensed of RG146 in Foreign Exchange and Derivatives under Australian Securities and Investments
Commission (ASIC)

• High experience in analyzing investment risks
• Vast experience in problem-solving, communications and corporate public relations
• Excellent leadership in corporate management and strategic planning led him to bring Radiance Assets

Berhad to a global range in just a few months.
11

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
CHIEF EXECUTIVE OFFICER

JAMES STEVENSON

● Advisor and Market Expert; Centre for International Business Development (CIBD)
● Previously Co-Chairman; British Chamber of Commerce/China Britain Business

Council – Finance Forum (Beijing)

● Previously Member; Australian Chamber of Commerce – Finance Forum (Beijing)
● Takada Asset Management, United States, Director, Compliance and AML

Committee. Jun ’18 – Present

● Tourbillon Group, Hong Kong Head of Merchant Banking, (Global Remit) Nov ’16 –

May ‘21

● ICIL Malta Capital Limited, Malta Board Director, Legal and Judicial Representative

Dec ’14 – Nov ‘16

● Sky Sea Malta Capital Company Limited, Malta Board Director, Legal and Judicial

Representative Dec ’14 – Nov ‘16

● ICBC Financial Leasing Co Ltd, China Executive General Director – Financial

Markets Team Jan ’12 – Nov.
‘16

● Awarded ICBC Financial Leasing “President’s Award” 2014 and 2015

12

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
CHIEF MARKETING OFFICER
ROSLINA IBRAHIM

• Honours Degree in Accountancy from MARA University of Technology in 2003.
• Member of Malaysian Institute of Accountant (CAM) since 2007.
• Member of Institute of Internal Auditor Malaysia since 2016.
• Served in accounts and internal audit department in Malakoff Corporation Berhad

since 1997 until 2020

• Holds Directorship in RI Mateen Consultancy Sdn Bhd.
• Produced stories in two anthologies titled “Relakslah!” and “Seadanya Kuterima”

13

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
CHIEF OPERATING OFFICER
EZWAN ZAMANI

• Born in 1984 into a humble middle-class family.
• Sets career in networking business, became one of the leaders in top achiever

yearly.

• Ventured into Agriculture Industry in 2015. Took opportunity to fill the gap in the

market.

• Highly experience in reading and analysing the market trend.
• Took opportunity given and co-founded Radiance Assets Berhad.
• Believes that success can be replicated with the right formula.
• “It’s your attitude, not your aptitude that will determine your altitude” is his motto.

14

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
CHIEF INVESTMENT OFFICER
HANAFI SULIAMAN

• Graduated from Mara University of Technology in Electrical Engineering in 2006

with Honours.

• Strategic Planner; managed, nurtured and developed team in order to perform.
• Managing Partner in Tawreeq Capital PLT.
• Excels in organizing administrative and executive duties.
• Key person in operations
• Believes in hard work and steadfast progress in achieving success

15

MANAGERSFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

GENERAL MANAGER GROUP FINANCE MANAGER COMPLIANCE MANAGER

NOR MELISSA SAPARUDIN FADZLIZAM OMAR SHAIK DAWOOD

• Ex-banker in Hong Leong Bank Berhad • Chartered Account with O&G industry, • Certified Credit Professional (Business)
• 30 years of experience in Corporate Engineering & Technical Consulting and • Certificate to Participation AML / CFT Module
manufacturing industry
Banking and Finance 1 – 4; Awarded by MAMSB / GOCO
• Managing Financial flow in the company
• Excellent in Management and Public • Certificate of Accreditation (Compliance
Relation Officer – MAMSB)

• Certificate (Assessor Certification Program) -

16

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED IN V E S TM E N T
CO MMITTEE

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
INVESTMENT COMMITTEE
PROFESSOR MURRAY MORTSON

• Chairman and CEO, of Airborne International Holdings Corp
• Professor Mortson was formerly a lead lecturer at the University of Calgary

Faculty of Graduate Studies.

• Murray has tons of experiences in the operations, business development and

management

• Murray holds a Bachelors degree in engineering from the University of British

Columbia 1980 and masters course study from the University of Calgary in 1994

18

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
INVESTMENT COMMITTEE
MS HARYATI HARUDIN

• 10 years experience in Interior Design Business
• Including Fashion and Design as part of her portfolio, among her group of

companies namely Dache Group.

• Vast experience and strong business acumen.
• Passionate in the pursuit of success within various industries.
• Specializing in interior design, creative investment strategy and construction.
• In-depth insight about global creative investments and approach to drive

improvement within her organization.

• Dynamic and result-oriented leader with a strong track record of performance in

high paced organizations

19

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
INVESTMENT COMMITTEE
MR OSCAR MENDOZA

• Mr. Mendoza has vast Investment Banking experience having worked in London,

Tokyo, Johannesburg, and Ulaanbaatar in various investment and research
functions.

• Highly experience in digital banking and financial technology
• Mr. Mendoza is frequently invited as guest speaker for various panel discussions

and conferences in finance industry.

• Mr. Mendoza is also board member of various private and publicly listed

companies and has provided a couple of finance related lectures to graduate
students at several universities in the US.

20

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
INVESTMENT COMMITTEE

YM UNGKU SAFIAH BINTI YM UNGKU AHMAD

• Success-driven and highly motivated Director in London
• Qualified accounting background with a total of 24 years of experience in audit

and finance, business development and corporate strategy skills.

• Manages Avalon Fashions Limited in London for more than 15 years, delivered

success in turning loss-making company to become highly profitable and grew the
company organically to its current state.

• Core competencies in Business Management, Managing Director, Corporate

Finance and Corporate Strategies, Process and Production.

• Director of Muiz Fortune Management Limited in 2015, achieved increase net

assets by 999% within 3 years.

• Lead the audit committee of XL Joinery Limited, Golden Pharos Europe Limited,

and Prestige Doors Limited.

• Successfully helped the company with their business restructuring while assisting

board of directors with business strategic matters.

21

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
Top Management
Te a m in Re d iP a y
Berh ad

22

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
CHIEF EXECUTIVE OFFICER

ADAM DAHLAN

• 20 years of experience in system integration, business systems and solutions, mobile

security and solutions sales and marketing, project management, business
management and business strategy

• A charismatic leader, he is also a technologist and evangelist in supporting local technology. His

passion in business leadership, and with the go-getter attitude, has allowed him to network
effectively with all business partners and being known as a strong supporter of business
partnerships.

• Adam today leads product management and regulatory compliance and overseas operations

in the Malaysia and Singapore office of BerryPay, a fintech company that enables peer to peer
remittances, cross border payments and digital banking via virtual account. Adam leads with the
technology team in enabling bank partners in Malaysia, Indonesia and Singapore, the ability to
bank the unbanked thru the BerryPay Digital Banking ecosystem. He developed the product tool kits
and compliance approval for Singapore and Malaysia.

• Adam had led Merchant Acquisition team and was the Deputy CEO of a RM10 million

Shariah Fintech startup that focuses on Islamic Payment Technology, branded as PayHalal. He
built the payment processes, designed the merchant onboarding program, business strategy and
support.

23

Our Advisers FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED LEGAL ADVISER

SHARIAH ADVISER Mu’az Aiman Halem Auzan & Associates
or commercially known as MAHA Lawyers
Tawafuq Consultancy Sdn Bhd, is an was established in 2013 and rebranded as
independent global Shariah-dedicated MAHA Lawyers in 2015, aspiring from a
advisory firm, who are committed in offering group of professionals collaborating and
comprehensive end-to-end Islamic Finance synergizing their niche and expertise in a
solutions by leveraging on its global diverse range of legal spectrum to provide
presence, in-depth knowledge and quality and efficient legal services.
integrated structure.
24

Our TrusteeFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDAmanah Warisan Berhad (AWARIS)
was set up with a strong belief in love
AMANAH WARISAN BERHAD and harmony in family institutions.
Established in 2018 under the Trustee
Act 1949, AWARIS aims to ensure that
the distribution of wealth among
those who pass is carried out fairly
and just.

25

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
Creating a world where
financial technology and every

day life integrate seamlessly

Islamic RedeemableFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
Preference Shares
RPS-i

Issue Size Minimum Subscription Price

250,000,000 units of RPS-i 250,000 Unit RM1 per unit RPS-i

Tenure Target Annual Return
Minimum 1 year (12 Months)
18% per year
Maximum 5 years (60 Months)

● The Information Memorandum (IM) has been deposited to the
Securities Commission Malaysia (SCM)

● Subscribers will be registered in SSM as Preference Shareholders
● Full Redemption amount upon maturity date
● Monthly Payout

27

Islamic Redeemable FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
Preference Shares

RPS-i

INFORMATION
MEMORANDUM

80 Pages – Deposited to
Securities Commission Malaysia

28

Islamic RedeemableFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED
Preference Shares

RPS-i

DEPOSIT OF
INFORMATION
MEMORANDUM TO
SCM

29

Islamic Redeemable
Preference Shares

RPS-i

SUBSCRIPTION
CERTIFICATE
FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

30

Islamic Redeemable
Preference Shares

RPS-i

SHARIAH
COMPLIANCE
CERTIFICATE
FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

31

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED Milestone of Radiance
Assets Berhad

Utilisation of Proceeds

32

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

33

Artificial Intelligence FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDBig Data AnalyticsDigital Commerce
Finance Industry Redipay: E-wallet & Payment gateway
25%
25% 10%
Digital Money Transfer
Remittance

10%

Mobile Apps
Mobile Gaming
E-Commerce Apps

10%

Joint Venture & Partnership

20%

34

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED 20%
Joint Venture & Partnership

We are setting up joint ventures: We are strategizing with our partners in order to elevate their
• Sonixpay Berhad business together with ours.

• AB Catalyst Limited
• Koperasi Nasional Indonesia Our main income will be from consultancy, developing apps and
providing solutions for their financial needs.
• MD Healthtrak

• Many more From apps development we will collect an amount from each of

their transaction that happens between the customer and their

business.

Mobile AppsFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED10%

Android and Apple based apps are growing everyday, and
so does the user.

We are targeting to develop our own apps on both
categories, Mobile gaming and e-commerce apps.

Together with our partners we are already on our way in
developing e-commerce apps for them with our own
Developer Team.

Clients pays for our consultancy, developing apps, and
monthly maintenance.

While Mobile Gaming are usually targeted for their
advertisement and in game currency, we are currently
exploring this option as an opportunity for future ventures.

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDApple Stores

Google Play

DIGITAL COMMERCEFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED10%

RediPay: Payment Gateway

As the world is growing more and more technologically advance, We
are taking the opportunity in moving towards the world of cashless
transaction. By partnering with a great technology partner, SONIXPAY
BERHAD, we are set to develop a new e-wallet technology named
Radiance Pay or RediPay in short.

The e-wallet will be targeted to be used not only nationwide but globally
and especially in food and beverages industry. The biggest industry
right now that relies with payment gateway heavily during this
pandemic situation.

https://pay.redipay.app/registerFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED 10%
DIGITAL MONEY TRANSFER

Remittance

The transaction of money inwards and outwards in Malaysia digitally
can reduce the cost of service greatly, and We are looking into the
future by combining technology that can be implemented in daily
transaction.

Transferwise, Skrill and Neteller are the top two Remittance Company in
the world. They charge their users 2.5% fee for depositing and 3.99%
fee for withdrawal.

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED 25%
BIG DATA ANALYTICS

Finance Industry

Widely usage in different industries, Big Data are
being used to collect and analyse data to
synthesize action to be taken effectively.

The international big data demand is projected to
expand to US$103 trillion by 2027, more than
double its expected size in 2018. The tech
segment will become the big data business
segment by 2027 with a share of 45 percent.

BIG DATA ANALYTICSFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED25%

Worldwide

Revenue from big data and business analytics worldwide from 2015 to 2022
(in billion U.S. dollars)

ARTIFICIAL INTELLIGENCEFOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED25%

New emerging technology technologies and applications such as
5G, cloud, artificial intelligence (AI) and big data have stimulated
the development of new companies in Malaysia. Over time, the
growth of small and medium-sized businesses and creativity will
no longer be limited to the conventional establishment of
multinational companies in today’s period.

RAB are prepared to invest into this technology in order to grow
and expand.

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDCompany Branding
Media Appearance

• Appearance of Malaysian Weather Forecast
• Story of Promo Poster on Bernama TV’s
• Instagram and Facebook

TV Appearance for Radiance Assets Berhad

45

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITED Interviewed by BERNAMA TV with the
CEO of Radiance Assets Berhad

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDCompany Branding
Media Appearance

• Appearance in Top 10 of Malaysia Magazine
• Interviewed by Top 10 of Malaysia Magazine
• Appearance on niagatimes.com portal

47

FOR SOPHISTICATED SUBSCRIBERS ONLY, RANDOM CIRCULATION IS STRICTLY PROHIBITEDOur Latest Development
Current Project

• RediPay Payment Gateway
• www.redipay.com.my
• Payment Gateway & Digital Banking

48