Financial Inclusion

Technology Solutions

Our end-to-end platform delivers the complete suite of banking services to rural India — scalable, secure, and built for Bharat.

Core Platform

Financial Inclusion Suite

From the device in the BC agent's hand to the core banking system — NGMB connects it all.

01 — Doorstep Banking

Micro ATM & Mobile Banking

Deploy tablet, mobile, and kiosk-based banking terminals to deliver full financial services at customers' doorsteps — from deposits to insurance.

  • Account opening via eKYC
  • Aadhaar-Enabled Payment System (AEPS)
  • RuPay Debit Card issuance
  • Deposits including third-party deposits
  • Micro Insurance enrollment
  • IVRS-guided transaction system
02 — Infrastructure

Financial Inclusion Gateway

High-throughput transaction switching engine connecting all front-end devices to bank hosts, NPCI, and ATM switches with STP processing.

  • Multi-channel STP processing
  • ISO 8583, SOAP, XML, Web Services
  • Device registration & management
  • RSA & PKI key management
  • Real-time audit & reconciliation
  • Multi-bank CBS integration
03 — Security

Biometric Identity Management

Complete biometric enrolment, management, and authentication system compliant with UIDAI standards for Aadhaar-based identity verification.

  • Fingerprint & iris biometrics
  • UIDAI Aadhaar authentication
  • TDES, AES-256 encryption
  • SHA & MD5 hashing
  • Liveness detection
  • Offline biometric fallback
04 — Innovation

Blockchain Audit & Settlement

Distributed ledger technology for immutable transaction records, automated end-of-day reconciliation, and regulatory-grade audit trails.

  • Immutable transaction records
  • Smart contract-based settlement
  • Dispute resolution automation
  • Regulatory audit export
  • Multi-party visibility
  • Cross-bank reconciliation
How It Works

From Agent to Settlement

01
Customer Walks In

Customer approaches BC agent for banking service — withdrawal, deposit, eKYC, or account opening.

02
Biometric Verification

AEPS authentication using Aadhaar fingerprint or iris scan through NGMB's biometric engine.

03
Transaction Processed

FI Gateway routes transaction to appropriate bank CBS or NPCI switch with sub-3-second STP.

04
Receipt & Settlement

Multilingual receipt issued, transaction recorded on blockchain, and commission settled to agent T+1.

Integrations

Connects with Everything

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Core Banking Systems

Finacle, BaNCS, Flexcube, Bankers Realm and all major CBS platforms through standardized APIs.

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NPCI Networks

NFS, IMPS, UPI, AePS, NACH — all NPCI payment rails available through single gateway integration.

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Card Networks

RuPay, Visa, Mastercard — full card lifecycle management from issuance to transaction processing.

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Device Ecosystem

Micro ATM, POS terminals, web kiosks, Android tablets, feature phones — all device types supported.

Request a Platform Demo

See how NGMB's FI platform can transform your bank's rural reach.