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Allowing two parties to implement a transaction without any intermediary, ESDS’ Blockchain Solution aids financial institutions to execute and verify transactions discreetly without any human intervention. The Blockchain architecture can considerably bring down the expenses and diminish inefficiencies in the financial sector. Involving an anonymous electronic ledger connected to the bank server, the solution records various transactions and also protects the identities of the users. With the help of cryptography, the tamper-proof permissioned ledger is shared between parties on computer servers.
All the different devices that costumers use for banking services like transactions or enquiries can be connected via ESDS IoT platform where data is aggregated to be transformed into actionable insights. Using this Big Data, banks and financial institutions can offer different services or rewards to customers and add value to their banking experience thus attracting more business.
For instance, banks can analyze their footfalls vis-a-vis walk-in customers on-boarded and accordingly improvise their offerings and services. Similarly, use of ATM kiosks in different areas can be analysed with sensors and accordingly ATM installation can be increased or decreased depending on the usage.
Similarly, in agriculture sector, banks can study the farm crop output with IoT devices and accordingly provide flexibility in financial terms making their relationship with farmers stronger. IoT can also be used to predict fraud in card transactions by verifying account holders mobile or device location with that of the transaction location. And this is just the top of the IoT iceberg, ESDS IoT-enabled Banking Services can transform your bank’s future by integrating information received from IoT devices.
ESDS’ Agency Banking Application helps financial service providers reach unbanked and under-banked areas and get high volume and low value transactions flowing. The multichannel app enables agents to perform financial transactions on behalf of customers, such as deposits, withdrawals, bill payments, top-ups, transfers, remittances and even apply for financial products such as loans and insurance.
The solution is beneficial for both rural and urban metro consumers. It provides a complete Business Correspondent Management Module for bank's business correspondents or agents on the field who can use Tab Banking to assist customers in opening accounts, collecting EMIs and paying insurance premiums among other things. All the processing of the requirements is done in real time!
ESDS TabBank Solution empowers field agents to initiate customer on-boarding apart from enabling dynamic lead management while they are on the move. Besides, these agents can also perform account servicing activities from the field itself once empowered with tabs.
Important features like multiple applications on single tab, seamless configuration with external card reader and biometric reader, centralized control of tablets and other hand-held terminals, support with multiple card types, card-less transactions and authentication mechanisms and data security makes the ESDS TabBank solution a perfect fit for futuristic banking needs.
ESDS offers complete mobile banking solution for banks including account related, location based and card related services among other things that enhances the overall banking experience of a customer. The robust solution with a number of interfaces like Mobile Banking, Tablet Banking & Social Media Banking is integrated with the core banking system of the bank.
Some of the important features include Balance Inquiry, Mini Statement, Cheque Status Inquiry, Interest Rates Inquiry, Funds Transfer, 3rd Party Transfer, IMPS, Stop Cheque Request, Cheque Book Request and Deposits Request among others. ESDS banking solution will also accommodate Unified Payment Interface (UPI) that
Will allow users to transfer funds and make payments across multiple banks even without being customers. Similarly, Bharat Bill Payment Service (BBPS) will also be facilitated which will expedite recurrent payments such as utility bills through a single outlet.