Digital
Financial Services

Make Mobile finances simple, secured
and hassle-free. Neo-Banking Suite

Aureus Fintech Suite has a comprehensive product portfolio designed & developed using industry leading technologies which unlocks new revenue opportunities for Telecom Operators, Financial Institutions, Banks, Merchants, Enterprises and empowers their customers to handle payments digitally anytime & anywhere. Centered around the Digital Wallet, an array of use-cases like Digital Self-Onboarding, Agency Banking, Transfers, Merchant Payments, Personal Financial Management, Shared Wallet, Utility Payments, Micro Loans, Micro Savings, International Remittance and many more. Platform designed with Omni-Channel principles and empowers the customers to access their accounts from any channel, availing money & banking services 24X7.

Lifestyle Banking: Bring in eCommerce Journeys
and Social / Conversational Banking with Facebook,
WhatsApp and Alexa

PFM

Help your customers manage their finances through extremely visual and insightful Personal Finance Management

CDW

Allow Families to share a Common Digital Wallet that enables parents to empower their kids in a responsible way through Parental Controls on expenses

Gamify

Gamify every customer journey to increase engagement, customer experience and your revenues

Modules

Digital Wallet Aureus Digital Wallet is a Store providing customers with a secure and easy to use payment instrument. It enables customers to easily top-up their wallets and use them to pay for various goods and services, transfer money to other wallet and non-wallet customers, recharge their prepaid mobile accounts, pay for electricity and other utilities, share their bills, use shared/family wallets, manage their finances, avail micro loans and more. Our Digital Wallet is workflow driven and enables cognizance of simple & streamlined payment processes with minimal distractions throughout the customer journey. High end security is built into each layer of the solution and the platform complies to various security guidelines from various regulatory authorities. Platform is PCI-DSS & PA-DSS compliant

Agency Banking Agency Banking facilitates Banks & Enterprises to swiftly onboard Agents on the platform and swiftly extend their banking & wallet services across the territory encouraging financial Inclusion of banked and unbanked customers. The platform allows creation of multi-tiered/N-Level Agent hierarchy and corresponding commissioning business rules using. Agency Banking enables agents to perform assisted operations such as Customer Onboarding, KYC management, cash deposit into customer’s bank or wallet account, withdrawal from customer’s bank or wallet account

Electronic Recharge Aureus Electronic recharge platform supports CSP’s prepaid business requirements by delivering electronic recharge distribution and account top-up solutions with enhanced fraud & security management. It enables customers to perform pin-less recharge using conventional channels such as USSD, IVR as well as digital channels such as Mobile App & Web

Voucher Management Voucher Management Platform lets subscribers recharge their airtime using E-voucher as well as physical Voucher/Scratch cards. It takes care of Voucher creation, voucher product specification, voucher lifecycle management, voucher distribution, and voucher redemption & ensures voucher security by using encryption algorithms such as 3DES, AES-256

Merchant Management Merchant Management is designed to onboard Merchants on the platform so as to enable them receive secure Digital Payments via Customer’s Digital wallets or Bank accounts. The platform allows Mobile App based seamless self-serviced onboarding of Merchants ensuring faster-time-to market. Merchants are empowered to decide their mode of payment acceptance on their websites and physical stores by giving them options of QR code or NFC based payments. Platform adheres to Open API framework enabling faster integration with the Merchant & various third-party websites. All the transactions are executed in real-time with detailed audit trail that facilitates reconciliation

Digital Payments Enablement Gateway Digital Payment Enablement Gateway enables Enterprises to become payment enablers allowing customers to perform various online transactions using different modes of payment such as Bank Account, Debit/Credit Card, Wallet Account etc. It enables faster-time-to-market by seamlessly integrating with Mobile Wallets, Banks, Merchants, NGOs, Governments, and Enterprises using RESTful APIs

Loyalty Loyalty Management System provides a comprehensive solution for managing end to end Partners Loyalty Program right from partner contracting, sale of loyalty points to partners, partner billing to processing of member activities. With the LMS Partner Management, it is possible to achieve shorter partner on-boarding times through easily conﬁgurable business rules to deﬁne partner product offerings and accrual/redemption conditions

Gamification Gamification System enables the enterprises to understand their customers and move quickly to adapt the design of their system to cater to the customer behaviours of their users. With the right mechanics, feedback loops, and embedded incentives, players reach continuous win-states, the operator gains loyalty. Our innovative Gamification tool offers a variety of fully customizable plugins to engage and reward users, especially by utilizing virtual elements: badges, challenges, spend and win games

Value Proposition

Omni-Channel Experience

Rapid onboarding of new customers through AI driven Digital Registration

Open & secure platform designed to create your customer’s go-to wallet to pay for various purchases during the day

Drive Financial Inclusion through extension of Banking & AI driven Credit facilities to the unbanked

Allow your customers to save money and achieve financial goals through creation of Piggy Banks/Saving Pots

Let your customers split and settle their restaurant bills digitally with complete audit trail

Products & Solutions

Digital BSS

Paint yourDigital Vision

Analytics

Engage your customers with the right offer, at the right moment, on their preferred channel

VAS Consolidation

Undertake service innovation by opening up network resources through a SCE by consolidating all messaging enabler applications

Internet of Things

A Unified Connection Management Platform that transforms a Telco to a Global M2M Services Enabler

Sales & Distribution

Get complete visibility and control of your Direct Indirect Sales

MarketPlace

Create Delightful Customer Shopping Experience

Network
Solutions

Adapt and enhance your network function capabilities by bridging technological gaps

Digital Financial Services

PFM

CDW