HCL Infosystems Takes IT Enabled Banking to Rural India And Low-Income Groups

Client Brief

The client is one of the largest nationalized banks in India with an international presence in over 25 countries. They offer banking and financial services to the business, corporate and retail customers through a variety of delivery channels, and through its specialized subsidiaries and affiliates in the areas of investment banking, credit cards and asset management. They have a wide reach across the country with over 3000 branches in urban, semi-urban and rural India.

Client Requirements

The Bank, under the initiatives taken for Financial Inclusion (FI), was looking for a cost-effective technology solution to be implemented in rural areas and amongst low income groups. For this, they wanted to partner with an IT vendor who could provide a secured smartcard based solution that could be easily integrated with the bank's existing core banking systems and also had provision to support cash deposits / withdrawal, loan, funds transfer, mini statements, balance enquiries and other third party products such as insurance and pension branch to the bank's network.

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