Implementing advanced technology in cooperative banking can enhance efficiency, security, and customer experience. Below are key areas where Perfect Software Solution has provided solutions.
1. Bio metric Integration
–> Biometric Login System for better Security in CBS
–> Enrollment for for Users and Customers
–> Stored in coded form on a secure database
–> Customer Verification during gold ornament release
–> Ornaments can be released even if Token is missing
–> Customer can login to KIOSK usng Fingerprint to know their Dues and Balances.
2. Customer Card Integration
–> Customised ATM Cum Customer Card Issue
–> No need to carry multiple cards. Card can be used in ATM,Express Counter, Micro ATM / BC
–> Card Swiping machine at counters will give fast service to the customer
–> All the account details of a customer can be retrieved in a single card swipe.
–> Customer need not remember all account details.
–> After Card swiping, user can select transaction in all modules
–> Turn around time for Customer will be much less.
3. Automatic Pass Book Printer
–> Customer can print passbook on their own without any intervention of
branch staff.
–> Automatic flip and align of the pages and print on appropriate
page/locations.
–> Serve customers with speed and accuracy.
–> Staff will get more time to do profitable transactions.
–> Simple and convenient 24 x 7 passbook print facility.
–> No frustrating queues or human interaction
–> User Friendly, Interactive & Fast processing.
4. ATM/CDM
–> ATM / CDM with Cash Recycling.
–> No manual intervention or help of branch official required.
–> Accurate Counterfeit recognition and retention of the currency notes.
–> Machine automates manual cash management, relieving the work of bank staffs.
–> Customer can make both deposit and withdrawal transaction even beyond the business hours of bank.
–> Cash Deposit in 2 minutes
–> Instant Credit to depositor account
–> Customer can make cash deposit in bundles of currency notes of various denominations.
–> Deposit details are printed on the customer’s receipt
–> Provides facility like Mini statement, Balance Inquiry, PIN change etc.
5. Customer Information KIOSK
–> Kiosks is used for viewing banking transactions, advertising, promotion and
information purposes.
—> Login for Customer via Finger, ATM Card or Customer ID and PIN
–> Handles Product enquiry and Customer Account related enquiry
–> Simple and convenient 24 x 7 facility.
–> Can avoid long queue for normal product and balance inquiry.
–> Shows Balance, Statements and transactions
6. Customer Feedback KIOSK
–> Get Feedback of Customer on Quality of Service
–> Simple operation wth SMILEYS.
–> Customer can share their bad and good experience in real time.
–> Review customer experience and improve Service quality
–> Real time Message option to Secretary in case of bad experince.
–> Secretary can call customer and maintain good relationship
7. Business Correspondent Module / Micro ATM
–> Join in Financial inclusion process and help the poor in banking operation
–> Other societies, farmers clubs, Kudumbasree or individuals can be enrolled as business correspondents
–> Giving Banking service at home and remote areas.
–> Proper and online monitoring of Agent Collection and avoid any misuse of ffacilities.
–> Not only collect, but disburse money to customers in need.
–> Serve customers with speed and accuracy.
–> ATM cards can also be used at counter level for express banking facility
–> Maintain transparency in operations by sending SMS intimations
–> Help to meet target during Deposit Mobilization
–> Issue New Loans and advances to persons in need through BC, who will collect applications and conduct initial processes.
–> Reduce Loan Overdue and Bad Debts.
–> Overdue collection of other borrowers in the area.
–> Providing Jobs to needy persons in the Area.
–> Spreading Banking Awareness among common man.
–> Newly introducing schemes can directly reach into common man with out any advertisement.
–> Will help to maintain Active Member norms.
–> Customer will get Door Step Banking facility even for account opening.
8. Bar code Integration
–> Bar code Printing for Gold Loan Bonds / Tokens
–> Easily read bar code in Gold Receipts
–> Bar code system will keep authenticity of gold loan transaction by avoiding clerical mistake.
–> Easy to track Gold Loan packet by reading its bar code
9. Mobile Application
–> A single Mobile Application for all customer needs
–> Account Statement viewing facility
–> Recharging of Mobile(Prepaid) and DTH
–> Bill Payment of Mobile (Postpaid),Land Line and KSEB
–> IMPS/NEFT Facility
–> Fund Transfer among other account holders of bank
–> Fund transfer among ones own accounts
–> Manage Multiple Account of same customer
–> QR Code based Shopping system
–> Bank can send messages regarding new offers and event.
–> Fully secured with encryption
10. Host to Host Integration for NEFT / RTGS
–> Fully Automated system for Inward and Outward Fund Transfer
–> No Need of Manual Interaction like Export and Import by Staff
–> Support both RTGS and NEFT transaction
–> End to End transaction Encryption
11. SMS Banking
–> Carries Push and Pull Message service
–> Pull service included Balance Inquiry, Mini statement and OTP generation request
–> Push service offers services like Alerts ,Intimation,Messages and OTP generation
–> Alert SMS about Bank Cash Balance status to authorized person in pre defined time interval.
–> BC agent can know their cash balance by pull method
–> OTP generation during Merchant payment
–> Customer can access account information any time 24 x 7
12. Missed Call Alert
–> No need to send SMS
–> Account Balance and Mini statement as SMS just by giving a missed call.
–> OTP generation during Merchant payment by missed call
–> Customer can access account information any time 24 x 7
–> In both Android and iOS platform
–> Account Statement viewing facility for SB and CA
–> Customer can access account information any time 24 x 7
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