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
2 © Nelito Systems Ltd. 2015
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
3 © Nelito Systems Ltd. 2015
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. 14 © Nelito Systems Ltd. 2014
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