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punjab national bank

punjab national bank

FINANCIAL INCLUSION Experience sharing

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


TOWARDS FINANCIAL INCLUSION PNB ENDEAVOUR FOR EMPOWERMENT OF SOCIALLY & ECONOMICALLY CHALLENGED
August 5, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion Two models

Status of initiatives already taken:


PNB is running FI projects at 75 locations.
Nine different technology providers solution

-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

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion vision FI PROJECT & SCOPE Extend the Banking to the unbanked villages

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

Reach atleast 7 Cr customers


Provide seamless transactions through the delivery channels also.
PUNJAB NATIONAL BANK HO: I T DIVISION

August 5, 2012

19TH June 2006

the name you can BANK upon !

Initial Focus on covering Indo-Gangetic Belt including States: Rajasthan Haryana Punjab HP UP Bihar Jharkhand WB Orissa

August 5, 2012

punjab national bank


Customer touch points

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

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


Customer touch points Current status To reach the unbanked villages across the country , a multi level customer touch points are proposed as part of our vision
August 5, 2012

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

19TH June 2006

the name you can BANK upon !

punjab national bank


BC2

Kiosk Functionality has been tested for cheque acceptance.

BC1

Kiosk Hub with CBS & PNB staff

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.
August 5, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


Current technology deployed Smart card based Offline transactions are offered Personalised Contact smart cards are issued to the customers. Front end Integrated POS machine

Various features are

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
August 5, 2012 the name you can BANK upon !

Enrollment kit

punjab national bank


Technology Components (Back End)
Intermediary Server of BC in DMZ (De-militarised zone) of the Bank.
The BCs Integrated POS to communicate to the intermediary server of BC. BCs Server shall communicate to Banks intermediary server. Banks intermediary Server will also be in DMZ, which shall communicate with the Core Banking System.

August 5, 2012

the name you can BANK upon ! the name you can BANK upon !

punjab national bank


Villages POS/Lapto p

BC

Commu nication devices / media

BC Server

Firewall

Bank intermediate server

Core Banking
August 5, 2012

Firewall
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punjab national bank


Current Process BC agent, POS machine, Geography are uniquely identified

Security key for security of process etc,.

banking application, authentication

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)
August 5, 2012 the name you can BANK upon !

punjab national bank


PNB Financial Inclusion
According to RBI Annual Monetary Policy 2007-08 SLBC Convener banks has to set up Financial LiteracycumCounseling Centres having the objective of imparting financial education to the rural masses. PNB SLBC Convener at Punjab & Haryana

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

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion PNB activities for Capacity building of Business Corresponden t/Business Facilitator
Training programmes for BC agents for creating awareness regarding: Roles and responsibilities of BC

How to conduct meetings to create awareness at the village level


Account opening process and filling of account opening forms Awareness about the banks products and services Meaning and implications of KYS norms Conducting awareness meets in the field customers Expectations of the bank from them with the

Extension of FI coverage Son of the soil as far as possible to identify the BC agent from the districts.
August 5, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion PNB activities for Capacity building of Other stake holders
Awareness programmes are conducted for the following officials: Financial Coordinators of the Bank (presently there are 3 FI coordinators looking after 9 States and one UT covering 32 Circle Offices) Base Branch Incumbents Lead District Managers Circle Office Financial Inclusion Coordinators (All 58 Circles) The concept is to TRAIN THE TRAINER. These trained persons further conduct awareness programmes for their fellow bankers in the branches under their jurisdiction, training managers in the training colleges, etc

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion PNB activities for Capacity building of Other stake holders
Further, in all the training programmes in the Training colleges of the bank, half day or one day is reserved for financial inclusion awareness sessions. PNB Farmers Welfare Trust has 8 Farmers Training Centers while PNB Centenary Rural Development Trust (another Trust sponsored by the Bank), has three Training Units. All these Centers/Units along with giving training to farmers and rural youth also create awareness about the financial inclusion initiatives of the bank.

The bank has Vendors Meet of all its Technological providers on regular basis to bring further improvements in technological solutions.
August 5, 2012
19TH June 2006 PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


PNB Financial Inclusion PNB s Initiatives taken in North East, Hilly areas and other Backward Regions
FINANCIAL INCLUSION IN NORTH-EAST Bank has tied up with Kabongram Asa Kashung Shang Social Upliftment Society (KAKSSUS), an NGO to enlarge micro-finance activities to farmers spread in the States of Manipur, Assam, Mizoram, Meghalaya and Arunachal Pradesh. This NGO has been appointed as BC of the bank for sourcing and management of agricultural loans and carrying out financial inclusion activities in the above States.

August 5, 2012

19TH June 2006

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !

punjab national bank


Latest technology For FI penetration in the rural and Semi Urban areas

PNB

August 5, 2012

19TH June 2006

Customer satisfaction our motto

PUNJAB NATIONAL BANK HO: I T DIVISION

the name you can BANK upon !