Company: NTWK
Filing Date: 2025-11-12
Form Type: 10-Q
Source: 0001493152-25-021835
Chunk: 68

Company: NETSOL TECHNOLOGIES INC
Filing Date: 2025-11-12
Form: 10-Q
Item: Part I, Item 2
Chunk 68
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 unified Transcend™ Platform is an AI-powered digital retail and asset finance
solution for automotive and equipment OEMs, auto captives, commercial lenders, dealers, brokers and financial institutions.

PRODUCTS
AND SERVICES: TRANSCEND™ PLATFORM 

The
Transcend™ Platform, powered by NetSol, is an AI-driven unified ecosystem that revolutionizes how assets are sold, financed and
leased. Designed to automate and optimize every step - from sales to originations to servicing, Transcend™ leverages AI and ML
to drive predictive insights and smarter decision-making.

Page 30

Transcend™
Retail (Formerly Known as Otoz®)

We
revolutionize auto and equipment retail with a fully digital, integrated platform that simplifies the entire customer journey. From online
purchasing to finance approval, Transcend™ Retail (formerly known as Otoz®) offers advanced retail and mobility solutions that
keep dealerships or OEMs at the cutting edge of consumer expectations.

Transcend™
Finance (Formerly Known as Ascent®)

We
streamline finance and leasing operations with a comprehensive solution for originations, servicing and wholesale finance. Transcend™
Finance (formerly known as Ascent®) empowers automotive and equipment OEMs, auto captives, commercial lenders, dealers, brokers and
financial institutions with end-to-end visibility and control, ensuring seamless workflows and accelerated business outcomes.

Originations

We
streamline the entire origination process, from submission to approval, with advanced features such as real-time, AI-powered credit decisioning,
automated deal flows and more.

Servicing

We
enable financial institutions to attain real-time insights into portfolio performance, delinquencies and losses, enabling proactive portfolio
management and strategic decision-making.

Wholesale
finance 

Our
wholesale finance solution empowers customers to gain a competitive edge by automating their wholesale finance and floor planning operations
effortlessly.

Transcend™
Marketplace (Formerly Known as Appex Now) 

Transcend™
Marketplace (formerly known as Appex Now) offers a suite of flexible, component-based solutions that integrate seamlessly with the customer’s
existing infrastructure. Transcend™ Marketplace is a modular, API-first solution that addresses every aspect of finance and leasing
using tools for calculations, document generation, loan origination and lending configurations.

Flex™

Flex
is an API-first, ready-to-use calculation and quotation engine. It is a one-stop solution