SBI Tiny ZERO

Can you tell me the details of the Zero Technology Platform for SBI-Tiny as offered by SBI (State Bank of India)?

[Rajkumar Agarwal]

The ZERO Financial Inclusion product platforms by SBI (State Bank of India) is designed as an application service provider (ASP) model to be used by banks, utility service providers including Government departments.

The platform is based on open systems at both back-end and front-end. The product platform is multi-tiered with use of several types of front-end devices communicating with an array of back-end applications managing banking and telecom systems using various modes of communication.

Multiple Applications:

Using the common ID profile of the cardholder, the ZERO frameworks allow the following categories of applications to be activated on the customer card:

• Micro-Savings (SBI-Tiny no-frills pre-paid account)
• Micro-Credit (including Kisan Credit Cards, GCC)
• Micro-Insurance
• Cash Withdrawals
• Cashless Payments to Merchants
• SHG saving-cum-credit accounts and attendance systems
• Salary disbursements for schemes like Employment Guarantee Scheme
• Passbook
• EMIs
• Government Benefits
• Utility Payments
• Coupons, Vouchers and Tickets
• Loyalty Points
• Automatic Fare Collection Systems (eg.: GO-Mumbai transit e-purse and passes)


SBI Tiny ZERO Details