banking financial services insurance (bfsi) solutions · 2015-07-20 · banking financial services...

Banking Financial Services Insurance (BFSI) Solutions Service Catalog This document is the service catalog of the products and custom (COTS) solutions provided by Brindley Technologies, its subsidiaries and partners across the globe. Ninaad Mehta 5/1/2015

COMPANY CONFIDENTIAL of 66

A. BANKING SOLUTIONS & PRODUCTS


A. Banking Solutions


A.1 Banking Products

A.1.1 Core Banking

Brindley Technologies has nearly two decades of experience in transforming businesses of financial enterprises we serve. Our customer banks

and financial services organizations have benefited by adopting

BancPlus®, by way of one or more key performance areas including modernization, rapid business expansion, implementing multi-channel

services, enhanced productivity, improved compliance & governance and above all quantum leap in profitability. BancPlus® is one of the handful

solutions in the global markets that help to automate majority of banking processes on a common technology backbone. We specialize in creating

a unified customer view of the entire portfolio of a client across the bank with our customer centric architecture as against a traditional product

centric architecture. BancPlus®

provides a wide-ranging and one of the most comprehensive functional coverage in the industry spread over Retail

Banking, Trade Finance, Wealth Management, Microfinance, Investments and Central Office Operations. We focus on delivering high quality

SaaS based software products & solutions.

Suite of solutions includes:

Core Banking for Commercial Banks (Retail & Trade Finance)

Core Banking for Rural Banks

Lending Solution for Financial Services Organization (Loan Origination, Lending Management, Collection & Delinquency Management)

Anti-Money Laundering Solution for banks and financial enterprises (AML, KYC, Compliance & Financial Crime Surveillance)

Microfinance (Customer On-boarding, Services Delivery, Transaction Management and MIS)


A.1.2 Lending Management

Lending Management Solution provides a modular yet integrated solution based on a Service Oriented Architecture,

SOA, and approach to suit the needs of lending organizations. With enriched functionalities like remote and offline capabilit ies as well as open

interface capability, the solution can meets the needs of conventional banks and other non-banking financial organizations, the NBFCs.

An end-to-end lending management solution with following modules:

Loan Origination

Campaign Management

Lead Management

Opportunity management

Appraisal Management

Approval & sanctions

Loan Management

Set up different types of loan products with different parameters - interest, repayment, tenure, charges, etc

Complete middle & back office functionality - cash flow management, compliance monitoring, accounting, MIS reporting, etc.

Collateral Management

Captures different collateral types and applicability to the loan

Flexible revaluation parameters for the collateral

Interface with external feeds for the value of the collateral

Electronic storage of collateral documentation for future retrieval and linkage of these documents to the loan facility.

Reminder and intimation setup for revaluation of collateral

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Collection & Recovery Management

Set up and maintain different queues of customers based on user pre-defined rules (Defaulter Queue, Allocated Queue)

Alert Management

NPA Management

Legal Management

Recovery Management

Comprehensive Reporting

Comprehensive and ready to use set of MIS reports module covering every aspect of solution functionality and audit trail of transactions. The

solution can also be interfaced with third party report writing for generating ad-hoc reports to meet any type of reporting requirements. Some of the

standard reports generated are:

Ageing Reports

Amortization report

Industry Exposure summaries

Detailed and Summarized Asset Sales Report

Detailed and Summarized Counter / Dealer Sales Report

Daily Sales Report

Date to Year Sales Report

Exceptions, Collateral, Deals Generic Reports

Contracts, Acceptance, Standing Order, Acceptance Forms

Benefits

Build customer loyalty

Faster customer turnaround time

Security & Privacy of the customers

Build customer loyalty




The solution's modular design enables your organization to provide specialist services tuned to your customers' needs. Specific features like

customer oriented pricing; reporting and adding new product will enable you nurture existing relationships with customers.

Faster customer turnaround time

Increased operational efficiency due to centralized end-to-end automation of operations & workflow leads to substantial reduction in processing

time & cost and faster customer turnaround time.

Seamless integration with other banking system

The solution's open interface capability allows it to seamlessly integrate with any third-party system. This helps you maximizes your investment

on existing systems by eliminating or reducing the total cost on replacement of the system.

Security & Privacy of the customers

Protection of customers' data is of high importance to any organization. The solutions advanced techniques of tracking user activity and

application monitoring for intrusions and unauthenticated use allows the customer to be rest assured that his financial data is safe.

Value Proposition

Multi Currency GL & PL

Multiple language support

Real time Transaction Processing

Multi-Company / Entity Support

Multi-Channel Interfaces

Underwriting capabilities

Provision for offline processing

Flexible product definition parameters

Local & Global Instruments

Regulatory Compliance

Global Accounting Standard

24 x 7 availability


Technical Features

Extensible workflow

OS & platform independent

Interface to third party reporting tools

Customizable User-friendly .NET Front-ends

Web-services enabled functionality

Content delivery in XML, custom formats

Extensible workflow engine

Highly Scalable application

Interfaces to multiple - delivery channels- PDA, SMS, Mobile Banking


Internet Explorer, Mozilla Fire fox browsers compatible

A.1.3 Core Banking for Rural Banks

Rural Banks, since their inception, have been deep rooted and have become the backbone of rural credit structure. Over the years, these banks

have played key role in rural institutional financing which is critical to development of the rural economy.

To sustain themselves effectively in today's highly interconnected financial system, rural banks need to be empowered with technology to provide

efficient customer service to its customers and to deliver the national objectives.

Brindley Technologies core banking solution is designed specifically to meet business requirements and challenges

faced by rural banks, globally.

In India, the solution caters to specific banking requirements of District Central Co-operative Bank, Regional Rural Banks, State Co-operative

Banks and rural subsidiaries of public sector banks. The solution is Secured, Scalable, Reliable, Extensible and easily maintainable system.


Benefits

Meets unique banking requirements of Rural Banks

Capability to function in offline mode

Lower Total Cost of Ownership (TCO)

Meets unique banking requirements of Rural Banks

Self Help Group (SHG) loans, Agricultural loans, Daily Deposit Schemes (PIGMY deposit), Kisan Credit Card, Public Provident Fund (PPF),

Locker Management, Share & Investments module, Printing & Stationary module, Fixed Asset module, and other Banks Reconciliations

possible.

Solution is future proof and is capable of interfacing with:

Delivery channels like - ATM, Internet Banking, Mobile Banking, PDA Banking, POS, etc.

RTGS & NEFT

Anti-Money Laundering Solution - Brindley Technologies BancPlus® Anti Money Laundering Solution assists the bank in meeting the

regulatory compliance requirements. This solution is seamlessly interfaced with the core banking solution.

Capability to function in offline mode:

The solution's data synchronization capability helps overcome the problems of inconsistency in power supply and network links and allows the

branch to perform minimal banking transactions in offline mode. Connectivity related challenges can be overcome by using

CDMA/GSM/3G/LTE mobile technology, or even lower end dial-up circuits.

Built on deep understanding of rural bank's work culture

With our experience of working with rural banks, we understand that the work culture varies from one rural bank to other and from one branch

to other branch within the bank. This experience has helped us gain insight on rural bank's needs at ground level. These insights are

incorporated as features in our solution.

Reports

Rural bank-specific reports are already built into the solution. Hence, no time & efforts are invested in reinventing and customizing the reports.


Lower Total Cost of Ownership (TCO)

The solution is robust & scalable and is designed to meet the requirements of rural banks, thereby increasing the operational efficiency and

productivity with minimal training requirements and customization.

Value Proposition

Internet Banking Capability

Interface to RTGS/NEFT


Multi–company / Entity support

Multi–channel interfaces

Multi–calendar support

Multi Language Support


Global Accounting Standards

Multiple Time Zones (24 x 7)

Interface with Industry standard reporting tools compliant to XBRL and MDDL, Document Management System, Scanning of Cheque / Photo /

Signature and payment gateways & clearing networks such as DMS, SWIFT

Multi–dimensional limits and exposures tracking- currency, country, counter-party etc

Real-time transaction processing with comprehensive audit trail

Alerts and exceptions management

Functional Features

Current Account & Saving Accounts

Cash Credit/Over Draft

Signature & Photo Scan

Current Account & Saving Accounts

Cash Credit/Over Draft

Signature & Photo Scan

Time Deposits


Fixed / Recurring / Daily / Sweep Deposits

Monthly / Quarterly / Half Yearly - Interest Payout Deposits

Term Loans

Agriculture & farmer loan, PACS & KCC

Delinquent Account Management

Others(Reports & Advices & Statement)

Clearing

Inward/Outward Clearing

ECS Clearing

Treasury Operations

Inter Bank / Branch Reconciliation

Reports, Advices & Printing programs

Local Regulatory Reports

E-Channel Integrator - ATM, Mobile, Tele Banking, Internet Banking, Kiosk

Additional Modules

Pay Order / Demand Draft (Issue / Payment)

Other Bank Demand Draft Issue

Inward / Outward Bills / BG / LC

Sundry Payables and Receivables

Lockers

A.1.4 Microfinance

Microfinance Solution is a robust & scalable platform that automates core business processes of your organization on

a single technology backbone, thereby assisting you to achieve business growth at lower investments, enhance customer reach multi-fold in a

secure manner and keep track of the profitability and compliance & reporting.


BancPlus® is the right platform to launch a microfinance institution in a short span with all business processes in place. It is highly recommended

for MFIs wishing to expand rapidly in multiple geographies without substantially increasing operating costs. BancPlus® is an excellent platform for

network MFI's desirous of implementing a centralized software platform at all their member MFIs spread across geographies.

Benefits

Attracting new investments

Overcoming logistical challenges in remote areas

Last-mile connectivity

Benefits

BancPlus® Microfinance is an integrated solution built on scalable and platform independent architecture. The solution will assist you in meeting

your organization’s business and social goals through the following feature benefits:

Adaptability to fast changing business environment

The solution can quickly adapt to new business models and provides high flexibility in product configuration. The solution manages complete

operations in a hybrid branch-based or branch-less network.

Attracting new investments

Unified view through an online portal for donors & investors facilitates to track performance of funds and their impact.

Effectively addressing end customers' micro financing needs

Supports end-to-end Lending cycle of all type of products - Deposits, Savings, Term deposits and Micro-Insurance products.

Effective tool for preventing inadvertent or fraudulent misuse of microfinance products

Tracking multiple loans issued/sanctioned to same individual.

Compliance to international & local reporting standards


Compliance to policies and regulatory standards such as CGAP, MIX and local regulatory authorities in multiple countries.

Enabling measurement of performance of an MFI across multiple social impact parameters

Overcoming logistical challenges in remote areas

In branches having limited, intermittent or no network connectivity, the solution enables automatic synchronization, whenever the connectivity is

available. For regions with no connectivity, an offline synchronization using data transported on physical media is supported.

Last-mile connectivity

The solution offers a ready-to-use interface with different types of hand-held devices such as PDA, mobile phones, kiosks and internet portals

and thus supports branchless operations. This helps expedite market penetration and reduces cost per transaction.

Value Proposition


Multiple language support

Real time Transaction Processing

Multi-Company / Entity Support

Multi Channel Interfaces

Underwriting capabilities

Provision for offline processing

Flexible product definition parameters


Regulatory Compliance

Global Accounting Standards

24 x 7 availability

Functional Features

Alerts & Rules


Reports

Value added Modules

Lending

Loan Origination

Management

Collection

Deposits

General Ledger

Transaction Management - bulk, disbursement, repayment, interbank, inter-branch, reconciliation

Limits, Interest, Fees, Charges & Penalties

Alerts & Rules

Reports

Value added Modules

Deposits & Fund Transfer Module

Mobile/PDA Interface

Email/SMS Alerts

Internet Interface

Investor Reporting Portal

Technical Features

Customizable User-friendly .NET Front-ends

Web-services enabled functionality

Content delivery in XML, custom formats

Extensible workflow engine

Highly Scalable application

Interfaces to multiple- delivery channels- PDA, SMS, Mobile Banking


Internet Explorer, Mozilla Firefox browsers compatible


A.1.5 Compliance and Financial Crime Surveillance Solutions

Compliance & Financial Crime Surveillance Solution suite offers the benefits of common platform for regulatory

compliance and fraud monitoring to improve customer risk management, meet AML Compliance & Reporting and monitor Fraud risk across

multiple channels and business domains.

The solution meets industry-specific compliance needs for Banks, Asset Management Companies, Insurance Companies (Life and Non-life),

Brokerage firms and Currency Exchange firms.

BancPlus® CFCS has been tested for the requirements of over 30 FIU jurisdictions globally. It has a global customer footprint with implementation

in all major geographies - North America, Europe, Africa, Middle East, South Asia and S. E. Asia.

BancPlus® Compliance & Financial Crime Surveillance Solution suite includes

BancPlus® AML Compliance Solution

BancPlus® Financial Crime (Fraud) Surveillance Solution

BancPlus® CFCS Solution has been acknowledged as a leading anti money laundering and anti-fraud solution. It is recipient of "Best Technology

Services Award".

A.1.5.1 AML Compliance Solution

An end-to-end Anti Money Laundering Solution for transaction & customer screening and regulatory reporting.

The solution is compliant with country-specific regulations in Asia, Africa, the Middle East, the USA and Latin American & European nations in

addition to Financial Action Task Force on Money Laundering (FATF), USA Patriot Act and EU Directives on Money Laundering.


Key Facts:

Compliant with 30 jurisdictions across Asia, the Middle East, Africa, Europe and the Americas

Assists over 100+ clients globally in meeting their regulatory compliance responsibilities

Successfully running in multi-country, multi-entity scenarios

Built on BancPlus® n-Tier SOA architecture

The solution is platform and database independent, supporting Windows, Unix and Linux and has been implemented on MySQL, Oracle, MS-

SQL and DB2

Interfaced with 40+ core back office systems globally

Key modules:

Customer Identification Process (CIP)

Suspicious Transactions Monitoring Engine

Alert & Case Management

Support for multiple SDN, PEP Lists (OFAC, EU, UN) including customized lists

FIU & Regulatory Reports, MIS Reports

Multi-Jurisdiction AML Compliance

Multi-Currency & Multi-Lingual Support

level details

Peer Group Analysis - create a profile for a customer group and notify the deviations

Pattern Analysis - catch deviations in transaction patterns

Pre-Account Opening checks - Online SDN, PEP scan using web services

Online Transaction scan

SWIFT integration

Automated Lists - Integration with online lists and auto download

A.1.5.2 Financial Crime Surveillance Solution (Fraud Management)

BancPlus® Financial Crime Surveillance Solution is an enterprise-wide solution designed to implement strong fraud detection and compliance

management practices and analyze fraud & risk exposure. The solution enables global enterprises to implement enhanced controls on their

internal KYC guidelines and analyze & manage their organization’s risk & compliance health check.


BancPlus® Compliance & Financial Crime Surveillance Solution is a unique offering that enables banks to fight financial crime and meet the most

stringent demands of regulators - all under a single investment framework.

Key modules:

Enhanced Customer Due Diligence

Real- time Surveillance

Fraud Scenario Detection

Delivery Channel Analysis

Automated Clearing House (ACH) Monitoring

Card Based Transaction Monitoring

Know Your Employees - Monitoring & Detecting Fraud

Early Warning on Fluctuation of Customer Weighted Risk Score

BancPlus®’s flexible platform enables clients to update their financial crime strategy and keep pace with changes in their business and industry.

This protects the clients from the need for large-scale technology investments every time there is a new regulation from authorities or new attacks

from the criminals. The unique and scalable technology platform has the capability of monitoring and analyzing - in real-time, near-real-time or in

batch mode - every transaction by every customer, across every account and every channel, to detect and stop suspicious behavior.


B. Payment Solutions


Payment Solutions

In the last couple of years, most of the Emerging Markets have seen sizeable improvement in infrastructure, bandwidth and new technology.

Coupled with this, there have been initiatives by central banks to create national level payments, funds transfers and clearing which has enhanced

the speed & accuracy of transactions multifold. Mobile & Internet payments worldwide have taken centre-stage due to enhanced e-commerce

transactions, facility payments and inclusion of larger population in banking systems.

National Payments Corporation of India (NPCI) in India, has transformed the landscape of electronic payments in India by launching unique

products & services in each significant area be it ATM Networks connecting to a unified national & international system, a unique Rupay brand

debit card services, mobile payment transfers and Central Bank supported activities like Aadhar based payments (subsidies based on Unified

Identity number given to each citizen), National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (nRTGS), Cheque Truncation

System (CTS) and other services. NPCI and Reserve Bank of India are also promoting smaller size banks to quickly become a part of national

payments network without having to invest in expensive and time consuming IT infrastructure, by way of launching shared ATM services and

shared core banking services provided by approved IT vendors.

Brindley Technologies with its nearly two decades experience in providing comprehensive, multi-channel delivery to its customers, is now offering

entire gamut of the above Payment Solutions to our customer banks.


NFS Switch Solutions


IMPS Switch Solutions

B.1 Mobile Banking Solution (IMPS Services of NPCI)

What is IMPS

IMPS is an instant real-time remittance service available anytime, anywhere across India and across the world that allows real-time money

transfers to any person or to a merchant, for any personal or commercial purpose through banks networked by NPCI’s NFS Switch.


IMPS Capability lends 24/7 Payment flexibility even on Bank holidays with the NPCI seal of reliability.

Brindley Technologies IMPS Solution


Developed on RBI guidelines for IMPS

Built using NPCI’s IMPS APIs

Connected to the NPCI Switch and IMPS network

Integrated with the ISO Messaging backbone

SMS, USSD, thin Client

Mobileware’s Middleware resides at the bank

In this method of payment, bank account is linked to a unique combination of 17 digits identified by Mobile No. + MMID and secured by the MPIN

IMPS Key Differentiators

Platform agnostic – Mobile, Internet and ATM


Transfer funds using IMPS through two modes

Mobile phone based IMPS Module

SMS Syntax based Module

Requires MMID + Mobile No. + MPIN per account

No requirement of bank account details

What Are Pre-requisites for IMPS?

Bank

Bank needs to register with NPCI to be on the NFS Switch

Bank should have e a Core Banking System in Place

Implement a Mobile Application for IMPS

Make available the IMPS mobile application for users to download

Customer

Have a bank account with a Bank listed in the IMPS Network

A Mobile handset enabled with GPRS or Wi-Fi connectivity

The IMPS mobile application downloaded on to their handsets

MMID and MPIN registered for his account with the bank

How secure is IMPS?

Dual Factor Authentication – mPIN + Dynamic OTP

Login Credentials verifications using RBI mandated HSM

IMEI Verification – storing and retrieval for verification

Transaction Verification based on HSM

Encrypted device to server communication

HTTPS secured Transport & communication layer

Configurable Transaction Limit & Velocity check

Advantages of IMPS over NEFT and RTGS

IMPS offers some major advantages over NEFT or RTGS money transfer and here they are

Instant Transfer of Money


When you do an IMPS transfer, it happens instantly within few seconds, so it’s practically real time money transfer, unlike NEFT or RTGS which

works in batches and takes time in money transfer.

Transfer without Internet Connection

You don’t need an internet connection or a computer for IMPS transfer, you can just do the transfer using your mobile phone through SMS or

using the mobile application, hence you can do the money transfer even when you are travelling, all you need a mobile connection.

No Need to disclose Bank account number and other details

All you need for making the transfer is mobile number and MMID, so you don’t need to disclose your actual account number or even the bank

name.

Easy, Simple and Secure

Making a IMPS money transfer is so easy. All you need is the MMID, Phone number and the amount. The money gets transferred easily so fast. It

makes easy for those who fear technology and do not want to deal with it. You can teach this to your parents or someone who is not that

technologically advanced.

Money transfer even on Holidays and outside working Hours

You can transfer the money anytime, 24X 7. With NEFT or RTGS , you can’t do money transfer on holidays or even Sundays. You can’t do it

outside the working hours defined by the banks. But with IMPS you can literally make transfers in early morning, midnight or whatever time you

want.

Mobile Banking Payment Solutions enables customers to perform banking transaction from their mobile handset

anywhere. Our Mobile Payments allow users to do banking transaction using various Mobile Channels like Mobile App, Mobile Browser, SMS and

USSD.

Our mobile payment solutions provide versatility of person to person fund transfer, person to account fund transfer and person to merchant fund

transfer

Key Features

Mobile Banking enabled on various platform Android, Windows, Blackberry, iPhone and J2ME Based phone

Supports Banking Operation likes Balance Enquiry, Fund Transfer (NEFT/IMPS/IntraBank), Stop Payment, ATM/Branch Locator

Supports Utility and Bill Payment like Gas, Electricity, Phone/Mobile Payment, Mobile Recharge, DTH

Highly secured, providing HSM Integration and 2 Factor Authentication

Works on low end phone enabled by USSD and SMS


Brindley Technologies comprehensive Mobile Payments Platform allows:

Bankers to derive the business benefits provided by mobile technology

Provide consumers the convenience & user experience of secured mobile banking 24/7

The Mobile Banking Platform provides banks a Mobile Banking app to upload to app store which can be downloaded on the consumers’ mobile

smartphones. On sign up, allows secured account access via dual authentication with OTP generation mechanism.

Mobile Banking Platform

The platform provides a wide range of banking services and transforms a mobile device into a ubiquitous

m-banking platform. The bank can enable their customers to access their accounts and manage banking transactions such as Balance Enquiry,

Funds Transfer, IMPS, Last 5 Transactions, Bill Pay and Stop Check.

Business Benefits for Bank

Multi-OS Integrated Mobile Banking Solution

Platform integration reduces time to market

Integrates with existing CBS & online banking


Increases customer connects & brand appeal

No new infrastructure requirements

Lowers channel marketing & operating costs

Self-help app reduces strain on branch banking

Creates a new source for ad revenue stream

Architecture Design

Mobile banking Application has been designed and developed for IOS and Android platforms. Pre built modular

components allow rapid customization for the bank’s mobile banking requirements. The Mobile Banking application is customized to work across

platforms. The Platform integrates with the Bank’s existing infrastructure, core banking system (CBS) and the database. All RBI/ NPCI mandated

regulatory requirements are managed in the Security Layer.

Key Features

Balance Enquiry


NEFT Funds Transfer

IMPS Funds Transfer

Last 5 Transactions

Mini-Statement

Cheque Book Requests

Stop Cheque request

Passbook

Bill Desk

Security Features

First Factor Authentication – mPIN

Second Factor Authentication (TPIN/ Dynamic OTP/ other bank suggested)

Login Credentials verifications using RBI mandated HSM

IMEI Verification – storing and retrieval for verification

Transaction Verification based on HSM

Encrypted device to server communication

HTTPS secured Transport & communication layer

mPIN storage & HSM integration using hash(SHA2) & 3DES/AES encryption

Transaction Limit & Velocity check (bank configurable)

Value Proposition

Highly scalable to add on Micro ATM, Bank Agent Applications

Integration with a biometric device to ensure account holder identity & authentication

Bluetooth printer to print instant transaction receipts in a mobile Micro ATM – financial inclusion solution.

IMPS payments are instant 24/7 and with added instant notification alerts on transaction success/ failure to the end users

Screen account no.’s and sensitive data via MMID + MPIN to provide security

Solution can be extended from P-2-P to M-2-M payments at POS terminals and used to facilitate merchant payments with minimal hardware/

infrastructure


B.2 E-Channel Integrator

E-Channel Integrator provides a unified platform for bank’s core banking and other transactions systems to connect

with all the services delivery & payment channels including ATMs, Internet, Mobile, Kiosk, POS, Cards and other Payment Gateways. In finality,

the BancPlus® e-Channel Integrator connects to the national & international payment gateways to provide homogeneous integration of its

customer banks to the global payment systems.

BancPlus® e-Channel Integrator helps the banks to implement a payments infrastructure that allows to straight through processing,

monitoring and controlled payments. It enables to move away from the silo approach in a controlled manner to significantly reduce time-to-market,

migration risk and maintenance costs whilst providing a future proof, component based payment infrastructure. The solution is built entirely on a

Service Oriented Architecture (SOA) with various interfacing adapters supporting SWIFT, ISO 8583, NEFT/NGRTGS, ISO 20022, NDC/D912 and

other industry standards.

B.3 ATM & EFT Switch Solutions

EFT/ATM Switch is a high availability switch solution that allows banks to deliver self-service channels like ATMs,

Kiosks, Bunch Note Acceptor, POS, Internet, Mobile, IVR and SMS.

Key Features

Drives ATM/CDT/CDM/Kiosks of various makes - NCR, Diebold, Wincor ,Nixdorf, Hitachi

Provides facility to manage & Monitor ATMs from a Centralized Location

Rupay and VISA Debit Card Enabled

Integrated solution for Card Management and PIN Generation with HSM Integration

Access to nationwide network of over 90,000 ATMs via ready-connectivity with the National Financial Switch

Offers functionality like Any ATM access, Cash Deposit, PIN Change, Cheque Book Request, Card to Card Fund Transfer, IMPS Fund Transfer

Certified for industry standards – ISO 8583/XML, PA-DSS, EMV, Triple DES

3-Way Reconciliation (EJ , NFS Dump and CBS) and Reversal Module to reduce Operation time


B.4 Payment Systems Interfaces

Payment Systems Interfaces include, in India NPCI offerings namely NG-RTGS, RTGS, NEFT, CTS, Aadhaar (UID)

based payments, Rupay Debit Card, AEPS,VISA Debit Card interface. For international transactions, we provide connectivity to SWIFT gateways.

Outside India, our solutions have interfaced with Payment Systems of multiple countries including electronic clearing, mobile payments and

electronic fund transfer. In Kenya, we have built payment gateways for KenSwitch, m-Pesa & Paynet. In Ethiopia our solutions work with NBEPS,

the national payments backbone.

B.5 Shared ATM & EFT Switch Services

Brindley Technologies has launched its e-Channel Integrator as a Shared Software Switch for those banks who do not

wish to have their own IT setup and desire to integrate with national payment network using a sub-sponsor model. In this offering, a bank can start

using Shared ATM Services without investing in their own software switch or major IT infrastructure. Usually, such banks would become a part of

the national payments system by having to work with the main sponsor bank for their ATM/Cards transaction settlement.

Brindley Technologies is also extending other fund transfer services like RTGS, NEFT, Rupay and CTS commonly through the common

BancPlus® e-Channel Integrator.

The pricing for these Shared ATM & EFT Switch Services have been attractively priced on a low set-up cost, and thereafter per transaction or per

month charges. The set-up time for commencement of these services has now come down rapidly.


B.6 e-KYC SOlutions

What is eKYC

The Indian government has set ambitious targets for the Financial Inclusion of the vast unbanked population using the AADHAAR No.

identification system – of which e-KYC is a critical component.

e-KYC – Know Your Customer is a mandatory client identification RBI approved process that enables a customer to authorize service providers

like banks /insurance provider/ trading account to receive AADHAR card details as address & identity proof from UIDAI server via electronic

medium

Brindley Technologies eKYC Solution Mobile or Tab based front end Agent application

Agent login via secured ID & Password

AADHAR registry based authentication module

Integration with UIDAI server

Instant identity biometric & data verification

Data upload to CBS with instant notifications

Paperless KYC

Data transfer through secured encryption

Real time validation eliminates document forgery

Cost Effective & digitizes all the records

Helps banks grow & retain their customer bases

How does eKYC work


A biometric fingerprint scan triggers a request from agents mobile device across to UIDAI via secure servers

Customer’s fingerprint will be matched with that on his Aadhaar records

Once matched, UIDAI will release the customer’s personal information on agents Smartphone device.

Solution enabled Smartphone device will display the information received from UIDAI server

Once authenticated, customers account becomes active and will be given a Welcome Kit on the spot

Customer data is uploaded to the Banks CBS

Micro ATM Solution

Brindley Technologies Micro ATM Solution can give Banks the technology impetus needed to achieve this.

Brindley Technologies Micro-ATM Solution is a door-step banking model powered by mobile handsets, biometric

hardware device and a Bluetooth printer

Our micro ATM solution enables banks to approach the unbanked people in rural & semi-urban areas to easily access

micro banking services via a BC network in a very cost effective and simple manner.

B.7 Micro ATM Platform


Micro ATM Middleware

Integrates with existing CBS

Communicates with DB

Provides mobile app binary

Bank BC Network

App downloaded to BC mobiles

Agent Logs into unique account

Views Account List of Customers

Selects Customer Account

MPIN/ Biometric authentication

Payment Transaction

Receipt printing

Unbanked Customer

Scans fingerprint

Receives an OTP on mobile

Enters/ Provides OTP

Authenticated as Account owner

Requests withdrawal

Makes Payment

Receives receipt for transaction


Built on a robust technology platform – App Studio

Integrates with existing Core Banking System

Integrates Biometric and OTP Authentication

Supports online and offline transaction processing

Localization supported

Integrated with ADHAAR database for verification

Centralized Mobile Device Management

Comprehensive back end system admin portal:

Agent on-boarding

Manage BC/agents registration

Localization

Micro ATM Benefits

Low end Android phones at lower acquisition costs

New account opening channel for banks at lower infrastructure costs.

Rural banking and third party agent network at a lower cost.

Biometric-enabled transactions to assure rural reluctant or illiterate customers.


Mobility devices ease field operations and increase service efficiency of BCs.

Central Management of field agents, mobile devices and transactions.

Localization Module enables Regional Language customization and support

Audit mechanism of customers called and transactions via Audit module.


C. Innovative e-Surveillance


C.1 ATM & Bank sites e-Surveillance Security Solutions

Brindley Technologies ‘Active Deterrence’ solution by integrating the latest 5th Generation Intrusion Alarm Systems

with on-site CCTVs & Audio system thus enabling the use of powerful Video Verification and 2-Way Audio to PREVENT a crime from happening.

The Alarm Systems are all connected on-line to the Central Alarm Monitoring Station using secure wireless VPN connectivity that provides a very

high level of data security.

To ensure the highest of reliability, Brindley Technologies has designed & implemented a state-of-art, highly redundant fail-safe architecture. This

is akin to any bank's highly reliable infrastructure for Core banking albeit in a smaller scale.

Brindley Technologies believes that having a strong reliable infrastructure of Systems and Network is paramount to the success of E-Surveillance

solution. An unreliable solution will head towards failure within a short time.

This strong infrastructure is one of the Key reasons of the success

The Central Monitoring Station has a highly redundant infrastructure

CMS Software on redundant servers. If Primary server fails, the secondary server takes over immediately with no downtime

Data Storage on Highly redundant Network Attached Storage (NAS)

There are two Back-Hauls from Network Provider. If the Primary Back-Haul fails, the secondary Back-Haul will take over immediately without

any downtime

Both the Primary and Secondary Back-Haul have the same Bandwidth (mbps). Hence there will be NO DEGRADATION of services offered


The Back-Hauls sit on two different VPN Routers. If one fails, another will take over immediately with no downtime

MSEB Mains Power is backed up by UPS with 10 Hours back-up and this too is backed up by Auto-Start Generator of 35 KVA

BancPlus AMT & BANK e-Surveillance WAR Room


BancPlus e-Surveillance Solution


Services

Alert Monitoring Services

Detect Intrusion by tripping of Sensors

Perform Video Verification

Switch-off alarm if false alert

Deploy 2-Way Audio Deterrence if ongoing burglary

Escalate as per contract

Scheduled Motion Based Monitoring Services

Detect motion between 12 am and 5 am

Look out for suspicious activity

Deploy Siren and 2-Way Audio Deterrence if suspicious activity is detected

QRT Services

Deploy Banks QRT Agency in case of insistent suspicious activity

Live Site Monitoring Services

Watch site 24/7/365

If suspicious activity is detected, deploy siren and

2-Way Audio to deter the activity


http://securens.in/atm_bs.html#services


Video Housekeeping Services

Performed twice daily

Survey each site by Video for litter

Escalate to HK agency for rectification

Check again after 1 hour

Escalate unclean sites to Bank

Automated Access Authorization

Ensure Authorized access to ATM Chest, Cheque Drop Box and ATM Back door

Log Access Timing

Perform Active Deterrence for unauthorized access

Solution Components

Alert Monitoring Services

Detect Intrusion by tripping of Sensors

Perform Video Verification

Switch-off alarm if false alert

Deploy 2-Way Audio Deterrence if ongoing burglary


http://securens.in/atm_bs.html#products


Scheduled Motion Based Monitoring Services

Detect motion between 12 am and 5 am

Look out for suspicious activity

Deploy Siren and 2-Way Audio Deterrence if suspicious activity is detected

QRT Services

Deploy Banks QRT Agency in case of insistent suspicious activity

Live Site Monitoring Services

Watch site 24/7/365

If suspicious activity is detected, deploy siren and

2-Way Audio to deter the activity


Video Housekeeping Services

Performed twice daily

Survey each site by Video for litter

Escalate to HK agency for rectification

Check again after 1 hour

Escalate unclean sites to Bank


Automated Access Authorization

Ensure Authorized access to ATM Chest, Cheque Drop Box and ATM Back door

Log Access Timing

Perform Active Deterrence for unauthorized access

Intrusion Alarm Panel

5th Generation 32 Zone Intrusion Alarm Panel with TCP/IP Connectivity

Secured and Alarmed metal enclosure for Alarm Panel, DVR, Router and Battery

Built-In SMPS to power Alarm Panel, DVR, Router and Cameras

8 Hours of Battery Back-Up for the entire system Alarm Panel Tamper Detection

CCTV System

4 Channel DVR

High Reliability Surveillance-rated Hard Disk

Indoor IR Dome Cameras

Outdoor Weather-proof Camera

Masking detection alert for all cameras

Wire cut alert for all cameras


Sensors

ATM Removal Detection Sensor

ATM Vibration Detection Sensor

ATM Thermal Attack Detection Sensor

ATM Chest Door Open Detection Sensor

Cheque Drop Box Removal Detection Sensor

Cheque Drop Box door Open Detection Sensor

Panic Switch

Glass Break Detector

Lobby High Temperature Detector to detect AC malfunctioning

Back Room Door Open Detection Sensor

Motion Sensor to detect motion at night

Removal Detection Sensors for all CCTVs, Speaker and MIC

Smoke Sensor

Siren

Audio System

Special Speaker

Special Microphone


Communication System

Communication on Secure wireless VPN

VPN wireless Router


BancPlus e-Surveillance Architecture Solution


D. Smart Solutions


E.1 Smart Card Solutions

Brindley Technologies provides complete end to end IT solutions for Smart Card with various options:

1. Chip Based

2. Magnetic Strip Based

3. NFC wireless

4. Contactless

5. Biometric

We provide complete turnkey project which includes:

1. Smart Card IT Software Solution

2. Smart Card Central Cloud Based Data Center

3. Smart Cards and hardware devices

4. Data Entry Services

5. AMC.

We provide Smart Card Solutions for Government, Retail, Education, Insurance, Financial Services, Banking, Automobile, Manufacturing,

Corporates and many others.


E.2 M-Point of Sales (mPOS) solution

A point of sale terminal (POS terminal) is an electronic device used to process card payments at retail locations. A POS terminal generally does

the following:

Reads the information off a customer’s credit or debit card

Checks whether the funds in a customer’s bank account are sufficient

Transfers the funds from the customer’s account to the seller’s account (or at least, accounts for the transfer with the credit card network)

Records the transaction and prints a receipt.

Traditional Point of sale terminals are a combination of software and hardware that allows retail locations to accept card payments without

updating their cash registers to read cards directly.

Brindley Technologies mPOS device is built on IOS and Android platform and which is deployed on the mobile

devices. This product provides paperless solution for the payments.

E.3 e-Token Management Solutions


INSURANCE SOLUTIONS & PRODUCTS


Insurance

The insurance segment faces multi-dimensional challenges including Natural Disasters, Climate change, tougher regulatory environment, and an

evolving customer class. The key technology drivers in the wake of the above challenges are Customer data analytics, BIG data management,

and Social media integration.

Brindley Technologies offers solutions that can assist Insurance firms to protect investments in their existing IT solution infrastructure whilst

interfacing new solutions around Data Management & Multi-channel integration to provide a richer customer experience and effectively manage

the risks of doing their business. We provide solutions in the areas of:

Brindley Technologies has a capability and expertise in execution of the Turnkey programs executing Integrated Insurance Management Systems

– Implementation, helpdesk, support & maintenance.

BPM and workflow enablement for Customer Management and Claims Processing

Product Distribution across Brokers, Digital Media and white-labeled packaging

Micro-insurance

Mobility solutions for trading partners

KYC and Anti Money Laundering solution

Big Data implementation with market data and social media data

BI, Big Data & Predictive Analytics reporting solutions

Enterprise Mobile Apps for Agents.


FINANCIAL SERVICES SOLUTIONS & PRODUCTS


Capital Markets

Capital Markets and Brokerage industry are seeing a new wave of change in IT systems and strategy, given the economic turmoil, rapid regulatory

changes and innovation and technology.

The impact of regulation has seen increase demand for high frequency trading, transparent exchanges for derivatives, Electronic price discovery

and central counter party trading is a greater emphasis on governance risk and compliance than ever before.

New technologies for financial messaging, data warehousing and software solutions have emerged to provide a buy and build approach for capital

markets and brokerage services firms. Brindley Technologies provides specialist services for the sector in the areas of;

Client on boarding/ Counter party onboarding with enhanced KYC

Electronic invoice presentment

Intelligent matching engines and cash allocation

Financial messaging for reconciliation and settlement

Custody and portfolios accounting

Data marts for risk management, Profitability analysis and operational data store for trade history

Data migration and integration

Third party product implementation for enabling buy and build


Wealth & Asset Management


The Wealth management industry today faces challenges of Volatile markets, change in the customer class & Mass with the increase mass

affluent, price structure change on fees and a more stringent regulatory environment.

This has led to wealth management co. adopting an Open Product Architecture to increase volumes, enhance customer acquisition and improve

service quality. Wealth mangers are hence looking at technology change management as a key driver to business process reengineering for them

to meet their end goals of retaining profitable customers, improving brand image and global expansion.

Brindley Technologies has vast experience in wealth management having worked with some of the most reputed brands in wealth management

globally we provide specialist solutions around a buy and build approach in the areas of

Financial planning

Portfolio management and accounting

Mobility solutions

CRM and Contact Management

Third party product implementation and support

Governance risk and compliance solutions

Financial messaging for reconciliation & payments

Data Marts for Client reporting, performance measurement and internal reports

Portals for Client, IFA’s and training partner


Trust Management & Corporate Services

We at Brindley Technologies, appreciate the changes in the industry that impact the strategy and operations of the financial services providers.

We deliver information technology that helps you advise and develop customised solutions & vehicles for your customers, based on their financial

situation, preferences and goals for the future.

Through our focused practice we provide state of the art solutions and business technology for Trusts and Fiduciaries including:


Trust Management and Administration

We provide insights on how you can leverage information technology to execute Trust related services in an efficient and cost effective manner.

Our solutions help you deliver Fund Establishment activities in a smooth and error free manner through building templates for applications and

confirmations, obtaining permits and licenses and other fund documentation. Our solutions help you achieve significant levels of efficiency through

automating these processes.

Treasury Pooling

Increasingly complex portfolios require your teams to manage more cash for your customers, month on month. Your customers look at you for

providing strategic insights that match their institutional priorities. Our solutions help you deliver these insights through flexible IT systems

developed by a team of domain and technology expert.

Funds Administration

Administration can be intensive from a point of view of monitoring and tracking asset values, terms and conditions of management, provisioning of

financial statements and other information to investors. Our solutions and services to support your back office and front off ice software deliver high

value in a cost effective manner.

Plans Administration (ESOPs, Pension Funds etc)

In managing your customers' employee incentive plans, including innovatively designing and executing pension plans, ESOPS plan, deferred

compensation plans and any other tailored plans, our software solutions enable you to deliver high quality plan management and employee trust

solutions that provide your client a competitive edge.

Corporate Services

Our technology solutions can automate the entire workflow and provide framework for day-to-day administration of business, thereby enabling you

to focus on your core services and advise them on their specific needs such as fiduciary & administrative service, investment trusts, partnership,

private placements, mergers & acquisition, joint ventures and more.

Institutional Client Reporting

Customers have experienced enhancement in account review and compliance process. They are able to view complete information on

transactions, customer-wise and region-wise at anytime with the flexibility in generating different types of reports.

Our web portals have enabled our clients' customers' to access account information online.

http://www.infrasofttech.com/Verticals/verticaldetail.aspx?VerticalId=7#text1







Mutual Funds

Brindley Technologies provides a comprehensive solution for meeting the business needs of Financial Advisors, Agents and Brokers. Brindley Technologies provides you with versatile tools for pre- sales as well as post sales service for your clients. It maintains the clients' portfolio and helps the advisor to maximize the clients' returns by rotating the portfolio in tune with the current performances for the various schemes. It also provides for complete Back office requirements, of reconciling transactions, commission receivables and sub brokerage payables.

KEY FEATURES

Record Investment in MF/ULIPS/FD/Equity Shares & Insurance (both Life & General). Direct Upload from Registrar mail back files. No entry required. Record of all Purchases and Redemptions in all Schemes. Complete details of all Folios (Jt Names, Mode of Holding, Bank details, Nominee etc) Daily 2 minutes Auto Update for NAV, Dividends & New Schemes Portfolio valuation for Currently held schemes. Capital Gain Statement. Current Holding by folio. Provision for Family Group to see the performance at a glance. Asset Allocation by Scheme. Objective wise allocation. Scheme comparison, Growth Calculator, SIP Calculator. Latest NAV, Dividends lookup. Brokerage Commission Report. Sub Brokerage data maintenance. Provision for sending portfolio to various clients on a single click. Assets under Management by ARN, by Fund, by Client. Alerts for SIP, Insurance Premiums Due, Maturity. Mobilization report and many more ……. Print Filled up Forms/ Send Emails & SMS.


PORTFOLIO SERVICES

Brindley Technologies help you to maintain your clients portfolio by providing you an option for recording of all the relevant details directly through the mail back service from the different registrar.

Facilitates in calculating different portfolio returns. Portfolio performance for a particular period. Calculate short/long term gains for debt and equity schemes. Cash Flow report. Sector wise allocation and portfolio diversification. Detail Report, Detail Summary and Summary report are generated by Group Leader or by Applicant. Provisions for Current Holdings and Dividend Payout Reports.

MANAGEMENT INFORMATION SYSTEM (MIS)

Brindley Technologies is supported by strong data mining methods and generates different reports for the managements with an user friendly drill down option. These reports can be generated for funds, schemes, clients, sub-brokers and relationship managers.

Analyzing fund mobilized in a period. Generates AUM reports for funds, schemes, clients and relationship managers. List of SIP Running / Maturing Computing brokerage receivable from funds Marking facility for receivable and payables to help track outstanding commissions.

SALES TOOLS Brindley Technologies is powered with various tools and graphs to boost your sales. It provides tools from comparing different schemes to sending of mass emails.

MF Tally : Compare performance of selected scheme. Top Schemes : View Top Schemes for any Fund Class. Growth Calculator : Compare growth of your Investment in Multiple schemes. SIP Calculator : Compare SIP Returns in various schemes.


STP Planner : Prepare presentation for STP plans Emailer : Send General Emailers to any number of clients. Model Portfolio : Tool to Design custom portfolio.

Print well is Web Application Software for all mutual fund advisors and clients. It helps you print or email, professional looking filled up application forms for all Mutual Fund Schemes. KEY FEATURES Import clients from Brindley Technologies Add new prospects directly into Print well Record detail of Joint Applicants, Nominees, Bank details etc. Select Applicant, Select Form, and Print - it's that easy! View and Direct Email option also. All Forms carry your ARNs Print Common Appl Forms as well as SIP Forms, ECS Forms and Transaction Slip Option to Send one NFO Application form to Multiple clients and Multiple forms to a single user in one go Regular updates for New Forms - Direct from Internet.

A utility to give access to your client to check their portfolio on web through your own web site. Client can see all these Reports KEY FEATURES

Portfolio Reports Portfolio Summary Report Current holding Transaction Reports Capital Gains

As an Financial Advisor/Consultant, customer servicing is of paramount importance. Clients carefully evaluate the benefits of dealing


with an advisor, before choosing whom they do business with. To keep yourself ahead in this race you need to be Extraordinary and Innovative in your approach towards customer servicing.

Key Features of Brindley Technologies

Client Management

Comprehensive Client Master Data

Document Manager( eStore for KYC, PAN Card, Cheque, Photo, Address Proof etc)

Complaints / Service record

Investment Management

Complete record of Purchases and Redemptions

Direct uploading of transactions from all Registrars Feed (CAMS/Karvy/FT/Sundaram)

Handles Multiple ARN's

Provision for Manual entry of transactions (Other than self ARN data)

Reconciliation of Daily Transactions

Single input for SIP, SWP & STP.

Record of Insurance Details (Life and General both)

Recording of ULIPS ( All Insurance Companies)

Automation

Alerts of Insurance Premiums , Maturity

Alerts of NAV, Returns

Alerts of SIP

Alerts of Schemes ( Maturity of Close Ended Schemes , New Fund Offers)

Birthdays, Anniversaries

Direct Email / SMS Services

Sales


Create Model Portfolios

Top Schemes at a glance ( Top Gainers, Loosers)

MF Tally (Select you own set of schemes, and compare over selected period).

Latest NAV of all Schemes (including ULIPS)

Recent Dividends

Latest Fund Fact Sheets

SIP / STP / SWP Presentation

NAV Charts

Growth Calculator

Future Value Calculator

Scheme selection based on Sectors

Sector wise Schemes lookup

Automation of Calculations

Automatic Dividend Reinvestment.

Daily automatic Update of all NAV's, Dividends, New Schemes (takes less than 3 minutes !).

Recently Announced Dividends

Complete Dividend & NAV Archives.

Direct Email to Clients with Mail Merge facility.

Portfolio Statements

Portfolio Returns (Absolute, Annualized, CAGR, XIRR returns)

Provision for Advisors Recommendations

Complete Portfolio for Insurance ( Family policy charts, Due Premium calculator )

Actual Profit/Loss Statement.

Capital gains statement.

Folio wise Holdings.

Average Cost of Acquisitions.

Provision for Family Group to see the performance at a glance.


Portfolio Analysis - Scheme wise, Sector wise, Objective wise allocation

Top Holdings by Shares

RM / Sub-Brokers Management*

Different level of Payout for Sub- Brokers

Sub Broker wise Payout Statements

Business Performance - By Sub Broker / By RM

Commission Managements*

Calculation of Upfront / Trail Commissions

Marking facility for upfront receivable and payables to help track outstanding commissions.

MIS Reports

Cash Flow Report (Client wise)

AUM reports – by fund, scheme, client, sub broker, relationship manager

Business Monitor

Investor Data Mining (Based on multiple criteria)

Clients Lists, Labels etc.

List of SIP Running / Maturing

Value Add Services*

Online Access of Client Portfolio

Online Purchase/ Sale of MF Schemes

Record of Equity Investments with updating of Daily Stock Rates

Print Blank/ Filled Up Application Forms for All Schemes ( including NFOs)

Recoding of Other Asset Classes


Let’s Begin

banking financial services insurance (bfsi) solutions · 2015-07-20 · banking financial services...

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