• GL-11 GL-11
  • GL-14  GL-14
  • 98 POS98 POS
  • 93 POS93 POS
  • 97BT Bluetooth Printer-97BT
Dynamic . Convenient . Utilitarian
Designed to address banking, employment, microfinance schemes and more

Micro-ATM Application and Financial Inclusion Application


Installing ATMs in rural areas is unviable for banks due to the low number of accounts, low volume of transactions, low value of transactions and high cost of setting up an ATM. The government has suggested a micro-ATM model for transactions in the rural areas. Micro-ATM is a bank-led model which allows online interoperable financial inclusion transaction at PoS through the business correspondent of any bank using the Aadhaar authentication.

Business Challenge

It is a challenge to bring the unbanked population to the banking ecosystem. Identification of the right beneficiary to dispense the cash is difficult due to lack of proper authentication. The targeted people for this segment are illiterate.

Solution Description

Hand-held machines will be connected to all public sector banks and will allow the targeted beneficiaries to access their accounts from anywhere. Banks will be able to sign up with multiple banking correspondent (BC) companies or even individual BC agents. BCs are individuals who work as bank agents in areas that do not have branches.

The beneficiary carries his smart card which is an e-pass book with his KYC details, fingerprint data as well as transaction data stored in it. The card is inserted into the micro-ATM and his finger print is authenticated as per UIDAI Auth ver 1.6. The credit/debit transactions are performed and updated to the bank server and offer confirmation returns to the card. A receipt is issued to the beneficiary; also a voice prompt is provided as a third-level authentication.

The basic types of banking transactions that are possible through HHTs are as follows:

  • Balance Enquiry
  • Cash Withdrawal
  • Cash Deposit
  • Aadhaar to Aadhaar Funds Transfer

  • The only inputs required for a customer to do a transaction under this scenario are:

  • IIN (identifying the bank to which the customer is associated)
  • Aadhaar number
  • Fingerprint captured during their enrollment

Key Features

It supports contact/contactless smart cards, biometric authentication, thermal printer and GPRS module for communication, supports both offline and online transactions, supports biometric enrolment and authentication functions and has 8 hours battery backup.

Visiontek Products Used



Our microATM solution enables the unbanked rural people to easily access micro banking services in a very effective manner.
Online updation of the transactions is possible and rural banking is promoted.

Crediting a wide range of payments from pensions to scholarships to kerosene subsidy directly to the bank accounts of the beneficiaries and eliminating leakages and avenues for corruption is possible through the implementation of PoS. In addition, all the no-frill accounts have now been moved to the core banking systems of banks, which means that these account holders can collect their entitlements through any banking correspondent's PoS terminal.

The micro-ATMs designed are cost-effective. They support vernacular language display and voice with inbuilt biometric authentication that helps the banks to achieve total financial inclusion in real terms.

VISIONTEK PoS works with minimal power and are connected to central banking servers through GPRS, thereby reducing the operational costs considerably.

Customer impact

A tribal woman from a remote village in India pressed her finger on an Aadhaar-enabled micro-ATM to get her old-age pension in cash. She is not alone, but hundreds of old-age pensioners of this village collected their pensions in the same way with the help of the Aadhaar-enabled payment system.

"Earlier, I used to walk about 10 km from my village for withdrawal of my pension from Gramin Bank, but today I got it at my doorstep," she said.

Through micro-ATMs, an estimated cash transfer to the tune of Rs. 3,00,000 crores will happen annually.

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