MAKING A DIFFERENCE

HCL’s JOURNEY TO FINANCIAL INCLUSION

KIOSK BANKING SOLUTION

A large section of Indian population still remain unbanked even after 60

years of independence. This malaise has led generation of financial

instability among the lower income group who do not have access to

financial products and services. Poor people, particularly in rural areas, are

often wary of banks and finds branches intimidating. A profound lack of

financial literacy also reinforces the sense of alienation. However, in the

recent years the government and Reserve bank of India have advised the

banks to make available a basic banking 'no-frills' account with low or nil

minimum balance free from charges to expand the outreach of such

accounts to vast sections of the population.

To overcome these impediments to serve the financially excluded and to

tap the opportunity to serve them profitably through identified branches,

technology is a great enabler in 'taking the bank' to the un-banked masses.

Banks today are in an increasingly competitive market, in which electronic

channels play a key role in strengthening the relationship with their clients.

To approach this challenge and help the banks in the journey of 'Inclusive

Growth' and 'Financial Inclusion' HCL Infotech offers a state-of-the-art and

technology driven solution. We call it HCL's Kiosk Banking

Financial Inclusion

Financial Inclusion - Our Approach

HCL's kiosk banking solution is a one- stop mobile solution that enables

transformation in the financial inclusion services offered by the banks to the

marginalized sections of unbanked and under banked population in remote areas. The

robust, scalable and customizable kiosk platform integrates biometric and ICT

technologies to deliver mainstream banking services like savings, recurring deposit,

fixed deposit, remittance, loans, insurance etc. at their customers' door steps. HCL has

also enabled Aadhar based authentication into kiosk banking solution to enable DBT

transactions.

HCL's Kiosk Banking Solution - Empowering India

The Process

NPCI

BANKBRANCH

BANKBRANCH

BANKBRANCH

INTERNET

UIDAI Authentication

BANK CBS

WEB/SWITCH

CSC

BUSINESS CORRESPONDENT

Financial Inclusion - Architecture

FI SERVER

APP DB

DM Z M Z

UIDAI

HANDHELD TERMINAL

Ÿ

Ÿ

Ÿ

Ÿ

Ÿ

Ÿ

Ÿ

Ÿ

Ÿ

Industry domain expertise-Over 3 decades of experience in financial services and technology solutions

Diversified client base of 26 national and regional rural banks

End-to-end capabilities in the IT Technology and Application space

Highly efficient IT infrastructure

Strong partnership with leading industry players

Pan India presence -Offices in 170 cities, 505 points of presence reaching 4,000 towns

Approx 7,000 BCs with already established presence in over 9,600 villages across India

Inherent experience in rural India – HCL has been Nokia's distributor since 1995 and is currently the only

distributor serving rural India, including Tier 3 and Tier 4 towns

Main system performance through 24X 7 support with access to field service force of over 10,000

engineers spread across India

The HCL Advantage

Milestones AchievedŸ

Ÿ

Ÿ

Ÿ

Ÿ

Our FI solution has built in FI Gateway capability and has been tested successfully

Successful Implementation of De-Duplication Module

Successful Implementation of Biometric Authentication

Successful KMS Solution Implementation

Successful implementation of AEPS transactions for DBT

CashDispensing

CashDispensing

CashAcceptance

Loan accountopening and

servicing

Team / Recurring

Deposit

NREGA

Cash credit Accounts

Pension andGovt.

PaymentFundsTransfer

Balance inquiry / Mini

statement

TransactionReceipt

UID Integration

CustomerEnrollment -

Biometric

KYC

Account opening and

Closure

FINANCIAL INCLUSION

Kiosk Banking Services Offerings

Key Features

Enrollment/ Account open support for:Ÿ Saving, Overdraft, RD, FD, Loan

Account, KCC, GCC, Self Help group etc

Ÿ E- KYC Support

Ÿ Biometric Capture for Existing Account Holders

Ÿ Aadhaar based AuthenticationŸ Aadhaar SeedingŸ AEPS based Transactions

Transaction Module supportingŸ Cash DepositŸ Cash WithdrawalŸ Fund Transfer Ÿ Non-Financial transactions like Mini

Statement, Balance Enquiry etc.

Ÿ Browser Lockdown - Prevent users from accessing any Internet Explorer menus

Ÿ Pop-up window control

Ÿ Effortless implementation and customization

Ÿ An easy-to-use screen monitorŸ Real-time reporting

Ÿ Seamless integration with Bank's switch / CBS

Ÿ Customer input and biometric data capture capability

Ÿ Fully compliant with regulatory guidelines

Ÿ Secure communication channels

Ÿ Robust and scalable architecture Ÿ Deduplication

Our Customers

About HCL Infotech Ltd.

HCL Infotech Limited, a wholly owned subsidiary of HCL Infosystems Limited, is a Premier Indian Technology Company

and offers a wide range and end to end IT Solutions and Services for both Corporate Enterprises as well as Government

Organizations. With a strong legacy and rich industry experience of over thirty years, HCL Infotech offers single window

turnkey solutions which enables customers to create successful and adaptive businesses. The Company's IT services and

solutions portfolio comprise IT Infrastructure Consulting, Integration and Outsourcing; Software-led IT Solutions and

Biometric based Authentication and Business Services. With a presence in 4000+ towns across India, multi-technology

expertise and partnerships with leading technology providers, HCL Infotech enables organizations to grow and

transform. The company also has robust operations in Middle-East Asia and Africa and provides comprehensive IT

solutions to customers across verticals in the region.

For more information please visit us at www.hclinfotech.in

HCL INFOTECH LTD.

E-4,5,6, Sector-11, Noida-201301, U.P. - India

Tel : +91-120- 2526518 /19

Copyright @ HCL Infotech Ltd. All Rights Reserved. Reproduction of this publication in any form without prior permission is prohibited. The names of the actual

companies and products mentioned herein may be the trademarks of their respective owners. All content/information present here is the exclusive property of HCL

Infotech Ltd. The content/information contained here is believed to be accurate ate the time of publishing. HCL shall not be liable for damage of any kind use of this

information, which is subject to change without notice.

For more details, please contact us marketinginfotech@hcl.com