Nelito's mobility solutions

Mobility Extending the reach of Bank Branch

Nelito Systems Ltd.| 205-208, Building-2, Sector-1, MBP | Mahape, Navi Mumbai - 400710, India Fax: +91 22 6713 5555 Web: www.nelito.com

Š Nelito Systems Ltd. 2014

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Our Commitment “Solutions that Perform” We solve business problems of our clients through solutions based on customer involvement, deep domain knowledge, innovative technologies and personalized service support

We deliver what we commit

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Corporate Snapshot Head Quartered at Mumbai 45+ Service Locations 800+ Professionals 100+ Banking Clients

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BFSI Focused Solutions with own IPR Products and product based services in the area of Transaction and Payment Systems, Analytics and DW, Mobility & e-Governance Leadership position in Automated Data Flow (ADF) MIS vis-à-vis compliance to Central Bank of the country Providing Manpower with varied Professional IT Skill sets to Banking and Non Banking organizations in India & International locations.

Partners

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Offerings Portfolio :- Products Transaction & Payment Systems

• Transaction:

Analytics Mobility & DW

• Data Quality

Payment systems

Mobility

Transaction & Payment Systems

• Mobile Banking

• CTS

• FinCraft CBS

• Cleansing

• Internet Banking

• NACH

• PACS

• Classification

• Door Step Banking

• SWIFT

• SACOS

• Enhancement

• E-KYC and

• IMPS

• AML

Customer On-

• DBT

• Reconciliation

Boarding

• ABPS

• LMS

4 © Nelito Systems Ltd. 2015

Offerings Portfolio : Services IT Services

• BPO Services • IT Infrastructure Management Services • Professional Consulting Services • 3rd Party CBS Implementation and Roll out Services

Transaction Mobility management services

• Customer OnBoarding services • Card management services • Reconciliation services • Customer identification services • Financial inclusion • NPA monitoring and management

Data management services

Transaction & Payment Systems

• SAP BO • IBM Cognos • Data quality services • Data enrichment services • MIS

Payment management services

• CTS • MMS • SWIFT services

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Customers FinCraft CBS Banks

Other Banks

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Customers Other Solutions and Services

International

Hutch Telecom Sri Lanka

Š Nelito Systems Ltd. 2015

e-Governance

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Mobility Solutions – Doorstep Banking and Mobile Banking

Doorstep / Tab Banking

Mobile Banking

• E-KYC • Customer On-boarding • Transaction Banking • 24 hour banking • Anywhere banking • Fast TAT

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Mobility Banking – Problems we are addressing

Limited bank’s branch reach

High cost of transactions

Bank branch time constraint 9 © Nelito Systems Ltd. 2014

Nelito’s Doorstep Banking application

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Mobility based banking solution

AADHAAR based Account Opening through e-KYC on Tablets.

Account opening at the branches with physical-KYC document management.

Tab Banking for your Marketing Officers, or Direct Selling Agents or Business Correspondents in the field.

Tab Banking with Financial transaction support in the field

Technology platform available to Banks

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Solution Offerings – Doorstep Banking Mobility Platform Portfolio – TAB Banking Services

e-KYC Services

UID enabled KYC Aadhaar Authentication

Regular KYC

Customer On Boarding Services

No Frills Account Regular Financial Products

Financial Transaction Services

Transaction Services Cash Deposit

Savings

Cash Withdrawal

Proof Of Identity

Current

Funds Transfer

Proof Of Address

Overdraft

Proof Of Birth

Request Services Term Deposit

Request Services Balance Inquiry Mini Statement

Demand Loan Term Loan

Above Services enabled on Android apps and Windows 8 apps © Nelito Systems Ltd. 2014

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Solution Highlights – Doorstep Banking Enhanced reach to customer

Available round the clock –

Improved Business Acquisition

Latest Account Status

Secure authentication modes

Flexibility of offering new products and services faster

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Doorstep Banking Components Doorstep Banking Solution adopts online e-KYC and Customer Onboarding processes

1) Hand held application 

Will be deployed on hand held terminal and will be used for providing financial services at field level.



HHDs will be used by Banks Field agents or Branch Banking- Front Office Operations teams.



UIDAI compliant

Hand Held Device - POS & Tablets

Window Tablet

POS

FP Scan

Mobile Printer

Android Tablet

2) Web based interface/ application 

Will be deployed at bank’s Data Centre between field devices and CBS systems of the Bank.



This will act as a middleware.

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Customer Enrolment Enrolment includes  KYC Form  Photo  Biometrics (10 Fingers)

Biometrics: RBI compliant : Level 31 ISO 19794 15 © Nelito Systems Ltd. 2014

Convenient Cash Withdrawal/ Balance inquiry/ Mini Statement Residents Bank Account

Resident

8. Inform: SMS

5. Authorize

6. Debit 1. Withdrawal request

4. Authenticate

9. Cash

Interoperable Switch

UIDAI 3. Forward to switch

7. Credit Forward to Micro ATM

2. AADHAAR number, money transfer instruction, biometrics

Agent’s Bank Account

Agent with Micro-ATM 16

© Nelito Systems Ltd. 2014

Doorstep Banking - Technology Framework Tablet FI Branch Console

POS FI Admin Console

Desktop

ISO8583 Landing Server

End User

Reporting Interface

Configuration Web Server

Core Session

Request Manager

Request Validation

Response Builder

SOAP

ISO 8583 Listener

WSDL

UDDI

Open Standard WEB Services

Middleware Platform Layer

Device Registration

Account Summary

Device Authentication

Beneficiary Details

Applications Policy Management

Database Access

Service Broker

Email Sender

Devices Management EKYC

Balance Inquiry

Customer On boarding

Fund Transfer

MPIN Creation

Mini statement

CAS Authentication

Non- Financial Services

Portal & Content Management

Audit Logger

Data Replication

SMS Sender Exception Handler

Integration Service

Branch Details

Roles & Rights based Access (Database, AD, LDAP)

Financial Services

Application Management & Security Layer

Integration Layer

Data Import / Export Core Library

Application Server

FT Core

FT Integrator

Customer On Boarding

EKYC

Account Opening

Account Summary

Mini statement

Fund Transfer

Beneficiary Details

Balance Inquiry

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17 CBS Integration

Data Base Server

Š Nelito Systems Ltd. 2014

Doorstep Banking - Deployment Architecture Secure Zone 1

NSDL

Secure Zone 2

Core Banking

E_KYC Service E-KYC Services

Door step Portal

UIDAI

Payment Services

DMS Service

NPCI

HHT landing Server ISO 8583 Server

Application Server POS

NPCI

GSM / 3G network

Database layer Tablet

SQL Server 2012 18

Desktop

© Nelito Systems Ltd. 2014

Nelito’s Mobile Banking application

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Mobile Banking Benefits  Banks

Bank’s Customer

 Payment App designed for the bank

 Personalized service

 Fully customizable  Network operator independent

 Minimal learning curve  Trust, privacy and security

solution  Exceptional branding opportunities for bank

 Low or zero cost of usage  Person to person transfers

 Better volumes in banking  Customer loyalty

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Features

Inquiry     

Transaction

Account Summary Balance Inquiry Mini Statement Cheque Status Inquiry Interest Rates Inquiry

 Funds Transfer  3rd Party Transfer  IMPS (Inter Bank Mobile Payment System)

Requests    

Stop Cheque Request Cheque Book Request Open Recurring Deposit Request* Open Fixed Deposit Request* *(Actual account will be opened in CBS) © Nelito Systems Ltd. 2014

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Communication Flow

Mobile Devices & Telecom Standards

IIS Webserver

Android Phone GPRS

OTP Generator

Web Service

Security Framework

Authentication Engine

Switch

Database layer .NET Framework

Tablet

Secure Channel

Mobile Application server

Private network

Security Features

Mobile Users

Bank CBS Solution

Two factor authentication Mapping each Mobile banking user to his IMEI No storage of sensitive information on Mobile.

Note: Access mode for communication would be GPRS/GPS enabled only Š Nelito Systems Ltd. 2014

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THANK YOU Get in touch Tele: (+91-22) 6713 5555, 6713 5600 email : marketing@nelito.com

© Nelito Systems Ltd. 2014