Aadhaar Enabled Payment System (AePS)
Secure, Biometric-Driven Accessibility
For banks, burgeoning FinTechs, and proactive government agencies, AEPS offers a robust, interoperable, and scalable platform.
Ready to expand your reach and empower millions with accessible banking services through Aadhaar Enabled Payment System?
Partner with Integra today to Drive Financial Inclusion with AePS.
The Challenge: Barriers to Traditional Banking
Millions in India still lack access to basic banking services due to geographical distance, lack of documentation, or limited digital literacy.
Limited Branch Access
A significant portion of India’s population, particularly in rural areas, lives far from traditional bank branches, leading to high transaction costs and time spent traveling.
Documentation Hurdles
Many individuals in remote areas lack the formal documentation often required for traditional bank account opening, creating a barrier to entry.
Digital Literacy Gaps
A considerable segment of the population is not comfortable with or lacks access to smartphone-based digital banking, necessitating assisted models.
High Transaction Costs
For low-value transactions, the operational costs of traditional banking can be prohibitive for both customers and institutions.
Integra Aadhaar Enabled Payment System (AEPS): Driving Financial Inclusion
In a country as diverse as India, bridging the financial divide and bringing banking services to every citizen is a monumental task. Integra’s Aadhaar Enabled Payment System (AEPS) is a cornerstone of this mission, leveraging the power of Aadhaar to deliver seamless, secure, and accessible financial services to the last mile.
For banks, FinTechs, and government agencies, AEPS offers a robust, interoperable platform that enables cash deposits, withdrawals, balance inquiries, and fund transfers using only a customer’s Aadhaar number and biometric authentication. We empower your organization to expand its reach, serve underserved populations, and drive true financial inclusion.
Use Cases & Potential Applications for FinTech & BFSI
Integra’s AEPS solutions empower a wide range of critical applications in the financial sector, driving financial inclusion and efficiency.
Cash-Out for Government Subsidies
Enable beneficiaries of government schemes (e.g., DBT – Direct Benefit Transfer) to withdraw their funds easily and securely at local BC points.
Case Study: Our AEPS platform has facilitated the disbursement of government subsidies to millions of beneficiaries in remote villages, reducing travel time and ensuring timely access to funds.
Micro-ATM Services in Rural Areas
Deploy mATMs with BC agents to offer cash deposits, withdrawals, and balance inquiries, transforming local shops into mini-banks.
Case Study: Integra’s AEPS powers over 22,000+ BC agents across 14,000+ villages, enabling daily transactions in lakhs and significantly increasing financial access where traditional banking infrastructure is scarce.
Loan Repayments & Collections
Facilitate easy and secure loan repayments for microfinance borrowers or SHG members through biometric authentication at agent touchpoints.
Case Study: Our platform supports SHG-based credit assessments and loan collections, enabling efficient microfinance operations for over 100+ Cr. loans facilitated through our P2P lending platform, which leverages AEPS for secure transactions.
Interbank Fund Transfers
Allow individuals to transfer funds between different bank accounts using their Aadhaar number, promoting digital transactions and financial interoperability.
Case Study: By enabling secure interbank transfers via AEPS, we’ve seen a 20% increase in digital transaction adoption among previously unbanked populations, fostering a more cashless economy.
Our Solution: Secure, Biometric-Driven Accessibility
Integra’s AEPS solution is designed to overcome these barriers, providing a secure, efficient, and inclusive platform for financial transactions.
Aadhaar-Based Authentication
Leverage the unique Aadhaar identity for secure, biometric (fingerprint/IRIS) or OTP-based authentication, making banking accessible to anyone with an Aadhaar number.
Interoperable Platform
Our solution is fully compliant with NPCI (National Payments Corporation of India) guidelines, ensuring seamless interoperability across any bank that supports AEPS.
Agent-Assisted Model
Empower a vast network of Business Correspondent (BC) agents with secure devices (like mATMs) to deliver banking services directly at the customer’s doorstep or local touchpoints.
Core Banking Integration
Seamlessly integrate with your existing Core Banking System (CBS) to enable real-time transaction processing and account updates.
Robust Security & Audit Trails
Implement multi-factor authentication, encryption, and comprehensive audit logging for every transaction, ensuring data integrity and regulatory compliance.
Why choose Integra ?
Choosing Integra means partnering with a leader in secure, scalable, and compliant AEPS solutions for the financial sector.
UIDAI Certified & Compliant
Our platform is built to the highest standards of Aadhaar and NPCI compliance, ensuring secure and legitimate transactions.
Proven Scalability & Reach
With a track record of supporting 100+ Million lives touched and a vast agent network, our AEPS solution is designed for nationwide impact.
Robust Security
Leveraging advanced biometric authentication and multi-layered security protocols, we ensure the highest level of protection for sensitive financial data.
Seamless Integration
Our API-first architecture allows for rapid and easy integration with your existing core banking systems and other financial applications.
Deep Financial Inclusion Expertise
With over 43 years of expertise in FinTech, we understand the nuances of the Indian financial landscape and the needs of underserved communities.
Ready To See What's Next?
Empower your organization to expand its reach, serve underserved populations, and drive true financial inclusion.
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