Company: ZCARW
Filing Date: 2025-06-30
Form Type: 10-K
Source: 0001213900-25-059675
Chunk: 16

Company: Zoomcar Holdings, Inc.
Filing Date: 2025-06-30
Form: 10-K
Item: Item 1
Chunk 16
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 debit cards, credit cards, online banking, and digital
wallet-based payment methods, to book vehicles. Further, to account for occasional hold-ups in processing payments that occur from time
to time in our target emerging markets, our back-end payment processing tools incorporate an automatic retry framework combined with
a dynamic switching engine when payment success rates are low on a particular payment gateway. Regarding our Hosts, we have designed
our payment system with a view towards prompt disbursement of funds, which Hosts usually opt to receive via direct deposit into the Host’s
bank account. Hosts are generally paid promptly following the completion of a trip by a Guest.

Risk and Oversight. Our
driver score combined with our machine-learning-based risk models help to customize and personalize the trip protection fee for each
booking. Drivers scores for Guests also form the basis for our determination, from time to time, though infrequent, whether a Guest must
be permanently expelled from our platform because of behavior that does not comport with our policies, terms and conditions or that may
be detrimental to our trust-based community. Our customized computer vision capabilities also allow us to match images of a Guest based
on multiple forms of government identification at the time of Guest onboarding, upon a Completed Booking and upon commencement of a trip
or use case, which provides another safety and accountability “check” for the benefit of platform participants.

Communication. Our
communication platform allows for a dynamic customer engagement through SMS, WhatsApp, push notification and email to connect with Guests
and Hosts based on specific parameters developed based on customer segment data. Our platform also provides capabilities for direct communication
between a Guest and a Host, which we believe increases overall trust on the platform and which can help maximize convenience if bookings
require adjustment or, for example, if Guests have trouble locating or returning vehicles or in the event a repair or safety question
arises.

Photos. Our platform
encourages Hosts to take high-quality images of their vehicles in order to create compelling listings intended to attract bookings. Guidance
and instruction on taking and uploading high-quality images and creating vehicle listing descriptions likely to attract Guests are provided
to Hosts through our platform as part of the onboarding and listing process. The platform also shares Guest-sourced image-quality feedback
directly to Hosts to help improve the overall quality of the images associated with particular vehicle listings.

Data and Tracking

At the core of our custom-built
tools and machine-learning-driven insights is our proprietary data collected from millions of trips completed since inception.