Zaggle Prepaid Ocean Services (ZAGGLE) investor relations material

Key AI trends in spend management

• Enterprises are shifting from basic reporting to prescriptive analytics for actionable recommendations.

• Tail-spend management is evolving with autonomous negotiation and NLP-driven data visibility.

• Human-in-the-loop governance is increasingly demanded for regulatory compliance and audit trails.

• Real-time fraud detection and preventive compliance measures are prioritized.

• Agile workflows are needed to address cross-border compliance amid changing regulations.

AI strategy and transformation

• Dual engine strategy: in-house AI for efficiency and AI-enabled offerings for customer value.

• AI accelerates product velocity, enabling 3-4x more features shipped per year and faster market response.

• Operating leverage is achieved by scaling operations without increasing headcount, using AI for reconciliation, compliance, and onboarding.

• Legacy systems are modernized with AI agents for code refactoring, dead code elimination, and compliance hardening.

Financial and operational impact

• 97% of revenue is from spend-based transactions, with AI driving higher margins and productivity.

• Tech workforce reduced by over 25% in Q3'26 due to AI-driven efficiency.

• Product development cycles shortened from 9-12 months to 3-6 months.

• Modular, micro-services architecture enables rapid upgrades and global scalability.