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Devices such as basic phone, smartphone, Platforms including J2ME, Google's Android,
Apple's iOS, RIM Blackberry and Microsoft Windows Access modes such as SMS, USSD, STK, IVR, downloadable application, mobile browser and Internet browser tablets laptop/desktop, ATM and HHT
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Functional architecture
Devices
Smartphone
Tablet
Desktop/Laptop
HHT
Platforms
Access Modes Finanz Tools Utility and Billers SM S USS D ST K IV R App Mobile Browser Web Browser
Water
Electricity
VAS Aggregator
Analyz
Security Advizor
Wallet Management Agency Management Merchant Management Fees and Commissions Transaction Management General Ledger
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Key modules
Customer on-boarding
Finacle digital commerce solution enables customers to be on-boarded via both self-service and assisted modes through single or bulk registration whilst adhering to KYC, de-duplication and blacklist checks.
Personalized alerts
Wallet management
Enables end-to-end wallet management for both prepaid and postpaid wallets such as:
Sub-wallets Wallets for specific purposes such as gift cards, loyalty points and white labeled wallets
Balance inquiry and mini-statement Funds transfer Bill presentment and payment Utility payments Merchant payments for merchant initiated or
customer initiated payments
Agency management
The solution enables financial institutions, telecom providers and retailers to roll out digital wallet services through an agency by:
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It supports:
Merchant management
Enables support for different types of merchants including:
Reporting
Reporting is achieved using the Jasper reporting tool that enables:
Ad-hoc
reporting applications
through
Web-based
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Security
Finacle digital commerce has a layered security approach which makes the experience safe and secure.
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Business benefits
Enhance customer loyalty
The ability to access multiple payment instruments using digital wallets enabled on cashless, electronic channels brings about transactional flexibility and convenience. Digital wallets created using the Finacle digital commerce solution eliminate the need for multiple instruments and ensure faster payments/checkout at POS locations. The convenience delivered by wallets linked to financial instruments ensures greater customer satisfaction and loyalty. their consumers. augmenting revenue and repeat purchases. The solution allows service providers to build, deploy and launch offerings within shorter times-to-market.
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Finacle from Infosys partners with banks, the world over, to accelerate innovation and unlock the value levers of their business. Leveraging digital money to power business growth and extend distribution reach has never been easier. Bring customers to tomorrow's bank with Finacle digital commerce solution.
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About Finacle
Finacle from Infosys partners with banks to transform process, product and customer experience, arming them with 'accelerated innovation' that is key to building tomorrow's bank. For more information, contact nacleweb@infosys.com www.infosys.com/ nacle
2012 Infosys Limited, Bangalore, India, Infosys believes the information in this publication is accurate as of its publication date; such information is subject to change without notice. Infosys acknowledges the proprietary rights of the trademarks and product names of other companies mentioned in this document.