Company: NTWK
Filing Date: 2025-09-29
Form Type: 10-K
Source: 0001493152-25-015950
Chunk: 108

Company: NETSOL TECHNOLOGIES INC
Filing Date: 2025-09-29
Form: 10-K
Item: Item 1
Chunk 108
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 will come from Transcend™ Finance deployed on the cloud, which will continue to allow catering
to not only larger organizations, but also small and medium sized companies. Currently, in the United Kingdom, a number of banks and
other financial institutions are utilizing our Transcend™ Marketplace solutions offered via subscription-based pricing and swift
deployments.

Our
product strategy has grown significantly in recent years, which includes the recent launch of our broker and lender portals, which marks
a key step forward in delivering more value to our partners.

Growth
in our traditionally strong base in Asia Pacific is expected through diversification across market segments to include new customers
in related banking and commercial lending areas. At the same time, the existing customer base is tapped for increased service and support
revenues by offering enhanced features and new solutions to emerging customer needs. In addition, there is also potential for Transcend™
Finance in Asia Pacific in the form of existing customers who are looking for replacement of their current system. In China, we are a
leader in the auto finance enterprise solution domain. We will continue strengthening our position within existing multinational auto
manufacturers, as well as local Chinese captive finance and leasing companies. It is pertinent to mention that these Chinese automakers
and finance companies are growing rapidly outside of the country and that our solutions assist them in this growth. Our sales strategy
focuses on supporting Chinese manufacturers in expanding their presence in the EU and other regions of APAC.

We
believe our digital retail platform presents significant growth opportunities in the evolving digital marketplace. Transcend™ Retail
is currently used by major customers in the United States, including some of the largest and most recognized dealership networks. We
foresee further adoption of the platform in the region. Our digital retail solution transforms how OEMs, dealer groups and dealerships
sell, finance and deliver cars, enabling them to provide personalized, fast and transparent car-buying experiences across all digital
and in-store touchpoints.

Beyond
our products, we also anticipate demand for our services that empower our clients to excel in the competitive global economy. Through
Transcend™ Consultancy, we offer expertise across critical areas such as information security, data engineering and cloud services,
helping businesses design tailored solutions for innovation and growth.

6

THE
MARKETS 

We
deliver our comprehensive suite of technology solutions and services across major markets worldwide, positioning ourselves as a leading
provider in the financial services, and particularly, the global asset finance and leasing sector. Lever