1998 2009 - 2012 2012 - 2017 2017 - Today Pine Labs was Founded When Pine Labs began, our main focus was on smart card-based payment and loyalty solutions for the retail petroleum industry. Going Mainstream Eleven years later we made our first forays into the world of mainstream payments, giving merchants solutions and connecting them with banks and financial services. Our First Unified PoS Platform We pioneered the use of the smart, cloud-based unified point-of-sale platform – designed to reduce costs and drive retail revenues. Becoming Digital-ready We partnered with banks and payment aggregators to make sure our PoS terminal could process all forms of digital payments to enhance the merchant-customer experience. A Complete Merchant Platform We evolved into a platform that provides merchants with solutions for payments, risk assessment, multi-channel analytics, lending & insurance, brand offers, cashbacks, integrated billing and more. We built a network of 21 financial services 100 brands Going Global 2017 saw us lay our first global footprint as we entered the Malaysian market with an exclusive partnership with CIMB Bank. Growing the Merchant Platform of the Future Today, we are on our way to building one of the world’s most robust fintech platforms to meet the needs of the modern merchant.