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Agency Banking

Agency Banking solution allows a Bank to extend retail banking services through a network of agents, thus offering a high-touch experience without the high cost of a branch network. Banks can take their branch directly to customers and provide services at their doorsteps. This solution can also help as a queue-buster and serve customers without the queuing for the teller counter - thus providing a superior experience.

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Agent management
Agent management module supports on-boarding of Agents. We support multi-hierarchy agents, such as Distributors, Super Agents, Agents, Agent outlets and Outlet users. Adequate KYC details and other contact details, including geo-tag details are captured. Corporate management, Agent management, Agent user management, Office management, Role management, Employee management, Agent product management, Agent role management, Master data management, Document management, Notification management are a few key features of this module. Bank branches can be mapped as virtual agents and the same solution can be used for serving customers in the branch and for door-step banking.
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Transaction Gateway
Transaction Gatway module helps connect Agent and Customer initiated transactions with the appropriate backend protocol for authentication & transaction fulfillment. Key features of this module are - Transaction management, Limits management, Pricing and Commission management, Taxes (e.g.GST) management, Terminal management, Inventory management and Settlement and Recon management. Certain out-of-the-box industry adapters available under transaction management are AEPS (Aadhaar enabled payment system) adapters, eKYC adapter,
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Agent App (Mobile and Web)
Agents Mobile and Web App allows agent users to open new accounts, open fixed deposits, enable withdrawals and deposits of cash, assist in transfering funds, Pay bills, perform recharges and accept merchant payments. Transactions are secured using biometric (such as aadhaar), Card& PIN, Mobile OTP or combination of various authentication modes. Several service requests such as Request cheque book, Issue check book, Block card etc are supported.
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Branch/Home Service App
Doorstep banking services can be provided using Mobile App linked with a biometric scanner and a printer for high value customers. similarly, branch-banking experience for a retail customer can be improved by serving the customer by the relationship manager, rather than making the customer stand in a queue.
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Field Staff App
Bank staff is enabled with an App to acquire new agents, service agents, conduct surveys, Geo-tag agent locations, conduct agent trainings, perform audit of agents using the Field staff App. Field staff App can also receive tasks allocated by central or branch ops for adhoc activities.
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Agent Support
Agent support module provides elaborate function to support Agents network. Sevceral operational dashboards such as Live transaction monitors, Push in-app message (one-on -one and bulk), e-mail notification, manage agents (suspend, un-suspend, block, unblock), view transaction status, IVR integrations are some of the features supported in this module.
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Device Support
Mobile apps are supported on phones and tablets , including support for BYOD (bring-your-own-device). Our applications can integrate with external Mobile-device-management (MDM) solutions, alternatively Novopay MDM can be used for enforcing security policies associated with a banking and payments app. We also support integration with certified Biometric devices, bluetooth printers and mPOS devices. Several popular devices comes pre-integrated with our application.
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Dashboards
Dashboards provide key insights for running Agency banking solutions. Several graphical and GIS based dashboards are supported, such as Transaction Analytics, Agent analytics, Sales Analytics, Support staff productivity analytics, Service request analytics, Server performance analytics. Several of the analytics are map based with drill down capability.
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