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Mobile banking is performing banking and other financial functions through mobile phones. Customers can use the phone to make payments, check balances, transfer money between accounts, notify the bank of a lost credit card, stop payment on a cheque, receive a new PIN, or view a monthly statement, among other transactions. Simply put, mobile banking is anytime, anywhere banking.
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- Basic Banking
- Money Transfer
- Remittance
- Bill Payments
- Mobile Recharge
- Mobile Wallet
- Mobile ATM
- Ticketing
- Loyalty & m-coupon
- Insurance & Loans
- Merchant/POS based services
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- Anytime anywhere access to financial services such as banking, payments, remittance, money transfer, ticketing and insurance by majority of the population is still very limited
- Mobile banking services provided by telecom operators pertain many restrictions for the subscribers.
- Security using plain SMS as a medium to do banking transactions is still a worry among many.
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- Basic Banking (Push/Pull Services)
- Money Transfer
- Remittance
- Bill Payments
- Mobile Recharge
- Mobile Wallet
- Mobile ATM
- Ticketing
- Loyalty & m-coupon
- Insurance & Loans
- POS based services/ Merchant based services
- Other Services like Online trading/stocks
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Majority of the population in most developing countries in Asia, Africa & Latin America have limited access to affordable financial services such as savings, loan, remittance and insurance. The limited reach of banks and financial institutes in rural and remote areas is due to the high establishment cost of branches/ATMs and other operational issues.
Thinkways is proud to provide high security financial services to this section of the society through mobile based applications coupled with biometric, NFC, smartcards, etc.
- Server side – Does Core operations, such as loan portfolio management, accounting functions, managerial and financial reporting and teller systems.
- User Interface – A Mobile interface that reduces customer-level transaction and operational costs, and provides clients with faster service and convenience. This interface includes mobile banking, SMS, ATMs, kiosks and point-of-sale systems. These tools enable an MFI to increase outreach with a fraction of thecost of traditional channels, apart from being convenient to clients, competitive with competitors and meeting its institutional goals. Although the applications are appealing as stand-alone products, the real challenge lies in incorporating them into operational processes and in getting clients to adopt them.
- Process-automation technologies: These enable microfinance institutions to better manage their risk and operational efficiency. Tools such as customer relationship management systems, mobile solutions and data mining allow an MFI to automate aspects of the loan application process, including data gathering, analysis, storage, underwriting, collections and security – ultimately leading to cost savings. With these tools, loan officers can monitor, change and improve process flows on the fly – through a graphical interface – and take on more clients as a result of less time spent on the credit process per individual.
- Security - We follow ISO standards involved in biometric, NFC, smartcards including encryption techniques like 3DES, SHA1, MD5, RSA
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- Banks having financial constraints on providing a branch in remote areas.
- Limited access to affordable financial services such as savings, loan, remittance and insurance for the poor.
- Unavailability to access these services hinders growth of the economy.
- Rural population unable to receive loan facilities
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- Provides a wireless ATM for the bank
- Cash Deposit & Withdrawal
- Balance Enquiry
- Mini Statement
- Loan Application & Repayment
- Insurance
- Other Facilities
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All Copyrights Reserved Thinkways Software Technologies Pvt Ltd |
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