Industry OverviewThe Indian ATM industry has witnessed rapid growth and

profound shift in consumer behavior in the past decade.

Driven by economic development, growing income

especially in the urban areas and transition from class

banking to mass banking, the Indian ATM industry is

growing and changing at an unprecedented pace.

Simultaneously, the future growth of ATM industry is

dependent on regulatory changes for financial inclusion,

increasing penetration and White labeled Automated Teller

Machines (ATMs).

The speed and scope of the change is breathtaking. The

ATM industry in India has grown at a CAGR of 26.8% in

the past six years. In order for financial institutions to

compete effectively and sustainably in this fast evolving

environment, NIIT Technologies has come up with a

comprehensive ATM service on Operational Expenditure

(OPEX) model. We are a one stop shop for ATM Services,

Card Services and ATM Machine.

www.cloud.niit-tech.com

ATMEasy Solution for Banking Services

Decrease branch operational costs by automating cash withdrawal, balance inquiry services

Reduce total cost of ownership by saving on utilities, maintenance and upgrades

Work at par with large private and public sector banksReduce time-to-market by saving customers to interact with multiple vendors

Improve customer service by providing flexibility to withdraw cash (through NFS network of more than 1 Lac ATMs) anytime, anywhere

ATMEasy SolutionNIIT Technologies offers end-to-end ATM Services to

Co-operative Banks. Our offerings include:

1. Electronic Financial Switching services

2. NFS gateways Services

3. Rupay Card Production and Management Services

4. ATM machines procurement and monitoring system

Co-operative Banks can use NIIT Technologies ATM Cloud

model to join National Financial Switch (NFS) network as a

sub-member via association with National Payments

Corporation of India (NPCI) approved Sponsor Bank.

Sponsor Bank, a member of NFS, ensures settlement of

ATM transactions through NFS.

Cloud

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A leading IT solutions organization | 21 locations and 16 countries | 8000 professionals | Level 5 of SEI-CMMi, ver1.2 ISO 27001 certified | Level 5 of People CMM Framework

Europe SingaporeIndia Americas

Partner with NIIT Technologies to align your IT goals with your business objectives

Write to us at marketing@niit-tech.com www.niit-tech.com

NIIT Technologies Ltd.Corporate Heights (Tapasya)Plot No. 5, EFGH, Sector 126Noida-Greater Noida ExpresswayNoida – 201301, U.P., IndiaPh: + 91 120 7119100Fax: + 91 120 7119150

NIIT Technologies Inc.,1050 Crown Pointe Parkway5th Floor, Atlanta, GA 30338, USAPh: +1 770 551 9494Toll Free: +1 888 454 NIITFax: +1 770 551 9229

NIIT Technologies Limited2nd Floor, 47 Mark LaneLondon - EC3R 7QQ, U.K.Ph: +44 20 70020700Fax: +44 20 70020701

NIIT Technologies Pte. Limited31 Kaki Bukit Road 3#05-13 TechlinkSingapore 417818Ph: +65 68488300Fax: +65 68488322

ATM Cloud Model

NIIT Technologies provide EFT switch infrastructure, switching

services, NFS connectivity, Rupay Card Management

Services, and ATM Monitoring Services. This will be powered

by our association with Euronet Services India Private Limited,

a leader in Financial Transaction Processing Services. With our

infrastructure and services, Co-operative Banks’ customers

can use their ATM card to withdraw money from any of the

one lakh ATMs on the NFS network deployed by various

banks across India.

Business BenefitsFinancial institutions need new strategies, operating models

and capabilities that benefit their customers. With ATMEasy

they will be able to

• Decrease branch operational costs by automating cash

withdrawal, balance inquiry services at the ATM

• Reduce time-to-market by saving customers to interact with

multiple vendors

• Reduce total cost of ownership by saving on hardware and

software costs, power and other utilities, salaries, rent and

maintenance costs, and hardware and software upgrades.

Financial firms no longer have to worry about data centers,

back-up and recovery

• Improve customer service by providing flexibility to

withdraw cash (through NFS network of more than 1 Lac

ATMs across India.) anytime, anywhere

• Work at par with large private and public sector banks.

• Provide value added services such as utility bill payment,

mobile recharge etc

• Promote new products and schemes.

Why NIIT Technologies?• No interaction with multiple vendors required

• Follows OPEX model

• Transactions charged on actuals. No monthly minimum commitment charges

• Provides 24x7 support

• Provides best ATM machines

• Enables PCI-DSS compliant transactions.

BANK

CO-OP BANK CUSTOMER’S“RUPAY” ATM CARD

CashWithdrawal

Decline

Co-op. Bank’sLimit available?

No

No / Yes

Yes

NFS Manages & ControlsBank Limits

Customer’sA/c Balance? Co-op.

Bank’sBanking

Host

LiquidityManager

Co-op. Bank’s

NFS-MEMBER

BANK’S

EFT SWITCH

NATIONAL

FINANCIAL

SWITCH (NFS)

ASP’S

EFT SWITCH

NFS-MEMBERBANK’S

ATMDecline

/Approve

Decline

Decline/Approve

Decline/Approve

RuPay