K3One's Advanced Features

Unmatched Technology

• Browser based with responsive user interface for Multi-device support - Works on computer, laptop, tablet and mobile

• Works on any operating system - Windows, Linux, Mac OS, etc.

• Cloud based deployment with highly scalable infrastructure in high availability setup

• Dedicated software based firewall

• Application level proprietary Disaster Recovery (DR) system (Optional)

• Available on Software as a Service Model (SaaS)

• No additional software required at branches, No setup / installation required at branches

• Deployment in Tier IV certified data center

• Multilingual Interface

• Key reports in 2 languages (Bilingual reports)

• Management system and Customized reports availability

• Biometric Integration

• Third Party API Interface (Sponsor banks, CRM, SMS, SIMFI etc.)

• Push and Pull SMS (Missed call, 2 way SMS)

Safe and Secure

• Extensive user access control rights like other branch report view, field based rights, etc;

• 2 factor user authentication at login (2FA)

• OTP / Biometric facility

• SSL Link Level Security

• Encryption of important data

• Dedicated Firewall

• Audit Trail Reports

• Edited / Deleted transaction log reports

• Report generation log

• Customer's Mobile number verification on registration using OTP

• User IP and MAC tracking

• For highest security various user rights such as report view rights, transaction rights, fieldwise rights etc.

• Single user single login

• Various backend process report like posting, SI execution, SMS etc. on a single log report

• User locking in case of multiple failures in login attempt

• User session expires after set period of inactivity

• Exception Reports like dormant accounts, accounts with negative balances, Clients with incomplete KYC, user sessions after working hours, etc.

• Client wise per day cash transaction limit

• User-wise transaction limit

• HO level passing of high value transactions

Innovative and Futuristic

• Missed call based new customer registration / balance enquiry

• QR code based smart cards

• Mobile app based POS for merchants

• Credit Card Scheme for members

• Micro ATM - Cash@POS

• IMPS and NEFT directly from customer mobile banking app

• Open loop and Close loop Mobile POS system

• AEPS : Aadhar Enabled Payment System

• Pigmy collection with new features

• Online Pigmy Collection

• Offline synchronisation

• Direct debit to agent account

• Utility bill payments, DTH, mobile recharge

Highly Productive

• User friendly, easy to use

• Enter key based operations and shortcut keys

• Menu driven - Consistent user interface

• Enquiry - details of a client and its accounts on single click

• Reports exports to PDF, Excel and other formats

• Docket - Automated reports generation email facility

• Daily recovery, overdue of all branches and Consolidated MIS reports

• Automated day end

• Automated reminder SMS to customers

• Automated Directors MIS SMS

• Multiple slab FD a/c renewal on single click

• Bulk transactions - Centralised on single click for all branches

• Pigmy to loans transfers on month end

• Dividend transfer to savings, loans or reserve fund

• Interest calculations with on-account posting or provisions

• Pigmy Commission calculation and posting

• Rebate on loans

• Automated Standing Instruction (SI)

• Auto renewal of deposits

• Auto monthly interest transfers

• Auto recurring and loan installments from savings accounts

• Auto bank reconciliation based on Excel import

• Auto bank transfers using Host to Host connectivity

• Pigmy collection imports from pigmy machines and mobile apps with transaction posting

• Automated demand (requisition) generation for employees ccs

• Bulk FD / Day book printing

• Multi GL passbook printing

• Bulk Dividend Warrant with address printing

• Bulk Postal Address printing for Annual reports