Functional Features - Arttha - Unified Banking Platform

Usability

‘arttha’ empowers businesses to provide multiple product offerings and additional business lines:

Bulk Payments
‘arttha’ platform enables disbursing salary payments, government direct benefit transfers, or various other G2P or B2C transactions in bulk
Remittances
‘arttha’ platform enables cross currency domestic and international money transfers, either in self or in assisted mode via agents
Bill Presentment
‘arttha’ platform allows uploading of bills and management of bills and billers, also facilitating providing biller aggregation services to others
Loyalty Management
‘arttha’ platform acts a loyalty exchange platform capable of managing multiple types of loyalty points and facilitates interconversion
Payment Aggregation
‘arttha’ provides payment aggregation services, facilitating acceptance of payments via different payment instruments
Gift Cards and Vouchers
Create and launch Gift Cards or Vouchers for different scenarios like meal vouchers, E-Com gift cards etc.

Configurability

Configure features, business rules, and services as per your Business needs

Card Management
Issuance of companion card linked to the account, along with complete card lifecycle management
Accounts Management
On the fly creation of multi-currency accounts at customer or organization level, as per GL accounting
Loans and savings
Create different financial products like loans, savings, deposits for groups or individuals
Voucher Management
Create and issue vouchers as a new product offering for your customers with complete voucher lifecycle management
Loyalty Management
Greater customer retention by enabling customers to earn and redeem loyalty points, and hosting multiple types of loyalty points for multiple retailers
User Management
For managing and serving your customers with a delightful experience, ‘arttha’ allows seamless onboarding with customer segmentation and user lifecycle management
Device Management
For managing the lifecycle of your device inventory from procurement to end of life, along with a search engine to track and manage your inventory
Field & Form Management
On the fly creation of forms for various business services and processes with maker-checker functionality, along with user-defined dynamic fields for forms and business services
Reporting and Analytics
Better monitoring and tracking of business and meeting of regulatory compliances with out of the box reports and dashboards
Risk & Fraud Management
A secure solution with inbuilt checks and validations at account and transaction levels for compliances with local regulations
Communication Engine
Reach out to your customers with latest offers and promotions with SMS, Email and in-app notifications
Document Management
A hassle-free and completely paperless experience for your customers for KYC, Loan servicing or other needs
Communication Engine – Reach out to your customers with latest offers and promotions with SMS, Email and in-app notifications

Monetization

‘arttha’ helps businesses attain sustainability with multiple avenues of revenue generation

Financial Transaction Charges
A configuration of slab-based service charge for the transactions, as fixed or percentage type
Non-Financial Transaction Charges
Configuration of service charges for service requests
Account Charges
Account subscription charges for hosting of accounts
Payment Services
Offer platform’s payment, banking and financial services to other institutions on a hosted model

Innovation

‘arttha’ helps businesses attain sustainability with multiple avenues of revenue generation

ATM based Remittances
arttha’s award-winning ATM based remittance feature allows a user to send money to a recipient and allowing him to receive money instantaneously at a nearby ATM
SMS channel based mobile app
arttha’s unique SMS channel for mobile app allows a mobile app to be used without mobile data using underlying SMS channel, providing a consistent user experience across channels