Banking In Your Fingertips

Transcription

1 Mercantile CASH Biometric Smart Card System Banking In Your Fingertips Presentation by Dipon InfoTech Services

2 About Dipon Group 43 Years Old Company Deals with: Engineering & Construction of Cross Country Gas Pipeline, Power Plant, Process Plant, Roads & Highways, Infrastructure Development; Investment & Management Consultancy Services; Infrastructure & Real Estate development; Mobile Telecommunications Solutions; Financial Inclusion Services, etc

3 Dipon Consultancy Services Ltd. Solutions Biometric Authentication based Financial Inclusion Electronic Payment Switch DG e-pay Alternative Delivery Channels: Agent Banking Overseas Banking Hub For Remittance

4 Currently live services Smart Card based (Prime Cash 1 ) branchless agent banking facilities with partner bank Prime Bank Limited (PBL) and powered by DGepay 2 Mobile-enabled remittance services to Bangladeshi workers of UAE in partnership with Janata Bank Limited, UAE Arrangement for inward remittance with May Bank, Malaysia Arrangement for inward remittance with Placid Express and IME from various countries Complete solution for Smart Card printing & personalization, POS terminal & application install and deployment ID Issuance : Fishermen ID Issuance for Department of fisheries (2.2 Mil) EFT Switch Note: 1. Prime Cash is a co-brand of PBL & DCSL 2. Dipon Group s Electronic Payment platform Bangladesh... India.. Malaysia...UAE... Singapore

5 DG e-payment System Financial Institutions Debit Card (Deposit, Withdraw, Transfer) Insurance Card Health Card Loan Card BRTA Reg. Card Travel Insurance Card Inland Waterways Card Mobile Top-up Card Employ ID Card Student ID Card NGO Membership Card Individual Services Transportation Government Remittance Domestic Remittance International Remittance Emigration Clearance Card Allowance VAT & TAX e- Salary

6 DGe-pay Network DGe-pay Service Points: Individual Service Points (787) Corporate Service Points Singer Bangladesh Limited (340) BURO Bangladesh (250) Prime Bank Limited (135)

7 Proposal For MBL Branchless agent banking service for the urban & rural community of Bangladesh using their Finger Print. Agent Enrollment Customer Enrollment Mercantile Cash Services Reconciliation & Reporting

8 Agent Enrollment Open MBL A/C POS Personalization with MBL A/C Successful Agent Enrollment

9 Customer Enrollment Fill MBL Cash KYC Form Smart Card Personalizat ion Agent Send Filled A/C Form to DG Customer Information Entry MBL Approval Enter User Finger Enter Card Number Enter Mobile No.

10 3.Personalized Data Transfer Open your DGe-pay Smart Card Account Agent Customer 1.Form Duly Filled In 7. Card Personalize Deliver to the Customer DG SMART CARD e-pay KYC Verify & Card Personalization 5. Agent Send KYC to BANK via DG Enclose: Photo(Beneficiary) Photo (Nominee) National ID SMART CARD DG e-pay WiMAX GSM Mobile Operators CDMA Bank DGe-Pay Platform 4. Successful Enrollment Notification to Mobile 5. KYC Validation & Account Activate EFT IPG Web Interface

11 Sender Deposit & Transfer Money SMART CARD DG e-pay Customer Visit Agent Point 2. Agent Select Deposit Manu 3. Insert Card & Authenticate Agent Finger Print 4. Verify customer Finger Print 9. Notification with Payout Slip 5. Send Notification with Deposit & Transfer amount Receiver web EFT DGe-Pay Platform IPG Web Interface web 7. Electronic transfer information SMART CARD DG e-pay WiMAX GSM Mobile Operators CDMA 8. Reconciliation with Bank Bank

12 Receiving Money Receiver 6. Get Payout Slip 5.Receive Amount Using Card SMART CARD DG e-pay Electronic Fund Receive information 2. Insert Customer Card 3. Check Fund Confirmation 7. Successful Transaction Notification web EFT DGe-Pay Platform IPG Web Interface web 4. Verify PIN or Finger Print WiMAX GSM Mobile Operators CDMA 8. Reconciliation with Bank Bank

13 Mercantile Cash Services 1. Agent Enrollment 2. Agent POS personalization a) Agent Balance Inquiry b) Top Up Own Balance c) Return Fund To Bank d) Top-up Another Agent e) Agent Transection Log

14 Mercantile Cash Services 1. Customer Account Opening 2. Deposit Cash 3. Withdrawal Cash 4. Local Money transfer 5. Foreign Remittance Collection 6. Mobile Top-up 7. Salary Disbursement 8. Balance Inquiry 9. Mini Statement and 10. Cash Withdrawal From ATM

15 Reporting Customer Agent DG Mercantile Bank Transaction Details & Summary Transaction Balance Inquiry Revenue Inquiry Enroll Customer List Filter (Amount, Date& Time) Customer Details Agent Details Operational Report Enrollment Detail Enrollment Summary Deactivate Report

16 Financial Proposal Payable by Bank 1. System hosting charge BDT 7,50, per month a) Maximum registered customer 3,00,000 b) Above 3,00,000 the charge will be BDT 2.00 per customer. 2. Agent Management Fees a) Per terminal BDT per month (including POS connectivity, Paper Roll, GRPS SIM, POS maintenance, Agent Training, Agent Support)

17 Financial Proposal Scope of Bank 1. Cost of the POS terminal: a) BDT 55, per POS 2. Card issuance fees: a) BDT per Card 3. All marketing & communication expenditure (ATL, BTL & Agent Point Branding)

18 Financial Proposal Scope of DCSL 1. System Deployment ; 2. System maintenance; 3. Call center Support; 4. Agent Recruitment; 5. Agent network establishment & support; and 6. Logistic support of agent management.

19 Financial Proposal Revenue Sharing 1. Distributor & Retail Agent Network will get 72.00% of the service charges. 2. Bank will get 20.00% of the service charges. 3. DCSL will get 8.00% of the service charges.

20 Reconciliation Dipon Master A/C in MBL. Agent & Distributor A/C on DGe-pay wallet. Mercantile Bank Revenue A/C. Reconciliation A/C.

21 THANK YOU ALL