1. Bankers to Digital India

2. Everyday Banking through Digital
VISION
Less-cash Society
Everyday Banking through Digital
Efficient Payments
Cost Reduction
Financial Inclusion

3. NATURE OF DIGITAL TRANSACTIONS
P2P Transactions 1.
P2M Transactions 2.
Face to Face or Proximity Transactions
Remote/Online Transactions
P2G Transactions 3.
Face to Face or Proximity Transactions
Remote/Online Transactions

4. Aadhaar Based Payments
P2P Transactions
Onlinesbi.com
State Bank Anywhere, USSD
Buddy, MobiCash
SBI Pay, BHIM
Aadhaar Based Payments

5. Our Solutions for Merchant Acquiring
P2M & P2G Transactions
Face to Face / Proximity
Our Solutions for Merchant Acquiring
PoS Terminals
Card based acceptance
QR Code Based acceptance
Payment through Buddy
State Bank Buddy
P2P App.
Merchant App
Integration with Billing System
SBI Pay , BHIM, UPI (USSD)
AMPS (Aadhar Based Merchant Payment System)
Online / Remote
Our Solutions for Merchant Acquiring
Direct Acquisition
State Bank Collect/e-Handshake/MOPS/SBI ePay
Buddy Billers & Market-Place
Lotus Billers & Market Place
BBPS Interface
ASVA
(Acquisition of Sub-Merchants Via Aggregators)
For payment through
SBI Net Banking
State Bank Anywhere PG
Buddy
UPI*
(* to be initiated)

6. P2M & P2G Transactions (Face to Face)
Suggested solutions for specific targets
Face to Face / Proximity
Our Solutions for Merchant Acquiring
PoS Terminals
Card based
QR Code Based acceptance
Payment through Buddy
State Bank Buddy
P2P App.
Merchant App
Integration with Billing System
SBI Pay , BHIM (USSD)
AMPS (Aadhar Based Merchant Payment System)
Rural/ Micro Merchants
BHIM (USSD)
Buddy P2P
AMPS - SM
Small Merchants/ Single Establishment
Buddy Merchant
SBI-Pay
POS
Hotels/ Chain Stores/ Govt. Entities / Services
PoS
Billing API-Buddy
Buddy Merchant with Sub-Merchant Module
SBI Pay
AMPS - LM
Payment on (home) Delivery Services
Mobile PoS
Buddy Merchant
BHIM | SBI Pay
AMPS

7. Buddy app on smartphone
Infrastructure Requirements
eComm/ ePay
PoS
Buddy
UPI
USSD
AMPS
PoS Terminals / Mobile Phone + Dongle
Smart-phone and Buddy (M) app
Feature / Smart Phone
Interface with acquirer/
aggregator
MERCHANTS
Smart Phone and SBI pay App
Smart phone + Bio-metric scanner
Debit or Credit Card Or
Smart-phone for QR code
Buddy app on smartphone
SBI Pay or any UPI App including BHIM/USSD
Feature / Smartphone
Aadhaar No.
PC /Laptop/ Mobile with internet Connectivity
Card or INB or Wallet or UPI app
PAYER CUSTOMER

8. Merchant Acquisition Strategy
Apart from stand alone acquisitions, thrust should be on acquiring the entire value-chain, Corporate wise/ Govt. Segment wise/ Geography wise (Village, City, Colony)
A particular business segment, consumer segment (eg. State transport buses, students, migrants etc.)
Use digital as tip of the spear to extend engagement with customer for other financial products
The converse of point 3
Combined App for merchants such that from one single app he can receive payment from consumers holding any UPI app or USSD, Buddy or QR Code of card. 1 2 3 4 5

9. Acquiring Of Toll Plazas
NEW INITIATIVES AT MAB
QR Code based acceptance.
Interoperable among card schemes.
No CAPEX (No need of PoS Terminal and plastic card)
Low OPEX (No need of terminal maintenance, consumables etc).
To be launched in January 2017. 1
INDIA QR Code
Bank will process ETC Transactions at Toll Plazas as an Acquiring Bank.
NHAI has allotted 39 toll plazas to SBI.
Requests are coming from State Highways also (e.g: MP State Highways)
Both TSPs: Hitachi and Worldline are ready for integration. POC completed at 8 Toll Plazas
NPCI to advise the date of implementation
ETC:
Acquiring Of Toll Plazas 2
Customized Solution for Railway Refund
We are deploying PoS Terminals at Railway Counters.
A customized solution is being developed to handle Railway refunds in case of cancelled tickets. 3

10. 4 5 NEW INITIATIVES AT MAB Aadhar Based Payment Reverse PoS
NPCI AEPS system will be leveraged to make payments to small merchants.
Model for making payment to big merchants, using Aadhar, is also being worked out. 4
Aadhar Based Payment 5
POC done successfully
Propose to install terminals at APMC to enable traders to make card based payment to farmers
Reverse PoS

11. Thank you