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-No frill are being tried account at the branches PNB having a customer base of around 2510000 under Financial Inclusion project. -smart card enabled , BC All delivery points are managed through BC. supported FI
One lakh touch point by 2013 with the technology enabled solution Across the length and breath of the country.
Offer the financial products ( Deposit, Loan, Remittance ) & empower the under privileged. Reduce the transaction cost and provide affordable credit.
Offer branchless banking
Initial Focus on covering Indo-Gangetic Belt including States: Rajasthan Haryana Punjab HP UP Bihar Jharkhand WB Orissa
To reach the unbanked villages across the country , a multi level customer touch points are proposed as part of our vision
To reach the unbanked and under banked areas and to expand our presence, it is proposed to have: - Brick and Mortar model - Financial Inclusion BC model - Kiosk model All the Models will be Technology driven All delivery points will be computerized. Biometric and Rural ATMs shall be deployed
Un Banked / Under banked locations / villages will be identified (approx 60000) Each unit shall have the following infrastructure Kiosk shall be operating with: One self operated (Touch Screen) system with IBS, Internet, e-learning & Govt. tax collection etc, feature. One BF shall operate the same. One Thin Client connected to CBS for banking transactions. Banks executive Customer services assistance , shall man the CBS/ Banking counter .
PUNJAB NATIONAL BANK HO: I T DIVISION
BC1
BC3
Kiosk will be at Locations without Branch or at a distance more than 15 kms ( say 30kms) from the existing PNB branch.
BC4
KIOSK based center will be HUB with BF and PNB CSA Branch and Kiosk Model along with FI-BC , the entire Indo gangetic belt can be covered.
July 30, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION
Bio Metric Reader Laptop Web Camera Receipt Printer Biometric Device Smart Card Reader Printer Modem Port Standard Key board Display Screen Voice Response System SAM / SIM chip with encryption key Transactions are stored in another memory chip till uploaded BC agent is also identified with Biometric Transaction details are stored on the BC agent card also for backup
July 30, 2012 the name you can BANK upon !
Enrollment kit
the name you can BANK upon ! the name you can BANK upon !
BC
BC Server
Firewall
Core Banking
July 30, 2012
Firewall
the name you can BANK upon !
Daily BOD & EOD of each POS with the Tech. solution provider server and between tech. solution provider server and Bank server
Encrypted data file transmission between the tech. solution provider server and Banks intermediate server.
Transaction de duplication and other validation at the Banks intermediate server
File format for data exchange between Bank and Tech. solution provider Reconciliation of balance outstanding with customers once in a quarter ( independent of BC agent)
July 30, 2012 the name you can BANK upon !
Initiatives Opened 7 FLCCs in all Lead Districts of Punjab. under taken And 2 FLCCs in Lead Districts of Haryana. by PNB for Using these centers we educate: increasing Consumers/investors about the financial products and Financial empower them to undertake risks in an informed manner. awareness Guide them to understand the technology as well as the financial services behind the transactions. among the Customers guided to manage their money better rural masses
build trust in ICT-based financial services increase the adoption and usage of new banking technologies
Extension of FI coverage Son of the soil as far as possible to identify the BC agent from the districts.
July 30, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION
The bank has Vendors Meet of all its Technological providers on regular basis to bring further improvements in technological solutions.
July 30, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION
PNB