Functional Features

Usability

‘arttha’ empowers businesses to provide multiple product offerings and additional business lines:

  • Bulk Payments
    ‘arttha’ platform enables disbursing salary payments, government direct benefit transfers, or various other G2P or B2C transactions in bulk
  • Remittances
    ‘arttha’ platform enables cross currency domestic and international money transfers, either in self or in assisted mode via agents
  • Bill Presentment
    ‘arttha’ platform allows uploading of bills and management of bills and billers, also facilitating providing biller aggregation services to others
  • Loyalty Management
    ‘arttha’ platform acts a loyalty exchange platform capable of managing multiple types of loyalty points and facilitates interconversion
  • Payment Aggregation
    ‘arttha’ provides payment aggregation services, facilitating acceptance of payments via different payment instruments
  • Gift Cards and Vouchers
    Create and launch Gift Cards or Vouchers for different scenarios like meal vouchers, E-Com gift cards etc.

Configurability

Configure features, business rules, and services as per your Business needs

  • Card Management
    Issuance of companion card linked to the account, along with complete card lifecycle management
  • Accounts Management
    On the fly creation of multi-currency accounts at customer or organization level, as per GL accounting
  • Loans and savings
    Create different financial products like loans, savings, deposits for groups or individuals
  • Voucher Management
    Create and issue vouchers as a new product offering for your customers with complete voucher lifecycle management
  • Loyalty Management
    Greater customer retention by enabling customers to earn and redeem loyalty points, and hosting multiple types of loyalty points for multiple retailers
  • User Management
    For managing and serving your customers with a delightful experience, ‘arttha’ allows seamless onboarding with customer segmentation and user lifecycle management
  • Device Management
    For managing the lifecycle of your device inventory from procurement to end of life, along with a search engine to track and manage your inventory
  • Field & Form Management
    On the fly creation of forms for various business services and processes with maker-checker functionality, along with user-defined dynamic fields for forms and business services
  • Reporting and Analytics
    Better monitoring and tracking of business and meeting of regulatory compliances with out of the box reports and dashboards
  • Risk & Fraud Management
    A secure solution with inbuilt checks and validations at account and transaction levels for compliances with local regulations
  • Communication Engine
    Reach out to your customers with latest offers and promotions with SMS, Email and in-app notifications
  • Document Management
    A hassle-free and completely paperless experience for your customers for KYC, Loan servicing or other needs
    Communication Engine – Reach out to your customers with latest offers and promotions with SMS, Email and in-app notifications

Monetization

‘arttha’ helps businesses attain sustainability with multiple avenues of revenue generation

  • Financial Transaction Charges
    A configuration of slab-based service charge for the transactions, as fixed or percentage type
  • Non-Financial Transaction Charges
    Configuration of service charges for service requests
  • Account Charges
    Account subscription charges for hosting of accounts
  • Payment Services
    Offer platform’s payment, banking and financial services to other institutions on a hosted model

Innovation

‘arttha’ helps businesses attain sustainability with multiple avenues of revenue generation

  • ATM based Remittances
    arttha’s award-winning ATM based remittance feature allows a user to send money to a recipient and allowing him to receive money instantaneously at a nearby ATM
  • SMS channel based mobile app
    arttha’s unique SMS channel for mobile app allows a mobile app to be used without mobile data using underlying SMS channel, providing a consistent user experience across channels
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