Company: APCXW
Filing Date: 2025-03-31
Form Type: 10-K
Source: 0001683168-25-002130
Chunk: 5

Company: AppTech Payments Corp.
Filing Date: 2025-03-31
Form: 10-K
Item: Item 1
Chunk 5
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 services and are likely to be early adopters of new services that will further increase
their efficiency and drive growth. Additionally, we are targeting financial institutions looking to maintain their ability to compete
by digitizing their financial services offerings to meet market demand. By enhancing their customer’s user experience through the
development of innovative and user centric multi-channel digital financial products, they will be able to maintain customer loyalty.

We intend to support a multi-method distribution model
to achieve our vision. By providing delivery flexibility, we can rapidly engage and develop the right go-to-market strategies. As previously
mentioned, not only are off-the-shelf solutions available, but we also offer embedded experiences that can be deployed using a growing
portfolio of Open and Private APIs for developers to build unique experiences based on business cases and requirements.

Further, by offering clients a full array of marketing
technology services, omnichannel payments and digital banking technologies, we will enable them to better interact with their customers
and provide additional, dynamic means of processing both inbound and outbound financial transactions.

Businesses’ financial technology needs are increasingly
complex. As electronic and mobile commerce continues to grow, businesses have no alternative but to use technology to better meet customer’s
expectations. We believe that delivering innovative, adaptive, scalable, and operationally efficient products that meet their financial
services needs will result in rapid market penetration for our anticipated product launches.

While leveraging new technology is vital to our growth
plan, it is equally important that the technology is relevant and seamlessly fits into and benefits our end-user’s daily lives.
Consumers are sometimes reluctant to alter their typical routines, especially when it relates to financial services. The launch of our
payment system and broader digital banking solutions will meet both needs. We will offer financial technologies that do not rely on legacy
rails, thus increasing the opportunity to improve the end-user’s digital experiences. Once properly developed and rolled out, we
anticipate rapid adoption.

We seek to grow our business by pursuing the following
strategies:

    ·
    Increasing our customer base by offering unique and compelling, patent protected technology solutions;

    ·
    Driving growth in our merchant services business through new and flexible technologies that will enable our customers to adapt to a rapidly changing marketplace;

    ·
    Rolling-out our API-driven, account-based, issuer processing solution for card, digital token, and payment transfer transactions that will enable us to target multi-currency and multi-channel digital banking and embedded B2B payment opportunities;

    ·
    Providing advanced technology