The Client

A Financial Inclusion (FI) Agents’ Network


A large section of India’s population now has bank accounts and debit cards owing to the PMJDY initiative. Many reside in areas without easy access to ATMs for cash withdrawal.
Financial inclusion networks are setting up infrastructure at Customer Service Centres (CSCs) and grocery shops for this segment of the population. This physical infrastructure needs a digital backbone to extend cash withdrawal services.

Project Scope
To support Financial Inclusion (FI) with quick implementation of PCI DSS compliant easy-to-use MicroATM solution:


  • PCI DSS certified MicroATM and AEPS solution with the backend hosted at AWS
  • The FI gateway drives transactions initiated via MicroATMs, tablets and mobile devices using Aadhaar + Biometrics and card + PIN.
  • Easy to integrate SDK


  • Mobileware’s TransXT platform is already integrated with an interoperable MicroATM switch of a well-established Small Finance Bank.
  • The FI just plugs into TransXT, keys are injected remotely into individual devices, and they are ready to serve customers.
  • Regulatory updates, compliance and security is taken care of by our comprehensive platform.
  • Additionally, the FI institution gets regular analytics of the transactions taking place.

Values Delivered

  • Quick go-to-market.
  • Easy, agent-assisted cash withdrawal facility.
  • Convenience in areas with low ATM density.
  • Secure and compliant.