Reinventing the BFSI Industry
For the last eighty years, Manipal Technologies Limited (MTL) has not just transformed but has revolutionized the banking, financial services, and insurance industry with innovative and integrated products and solutions. Our team at MTL invests time in identifying challenges faced by the industry and connects with financial institutions to understand their customer’s future needs. The team works closely with the research and development department to develop unique solutions that help financial institutions to improve operational efficiencies and deliver superior customer experience... show more
India's Largest Card Manufacturer, trusted by 120+ Banks and Fintech's, globally
1352+ Self-service kiosk live
Logistic network delivering to 19,000+ pin codes
4 Billion+ Transactions protected by our Fraud & Risk Management Solutions
35,000 Bank branches served throughout the country
2.3 cr+ Customers use our platform, every day!
Our Integrated Products, Solutions,
and Services
BANKING, FINTECH SERVICE, AND SOLUTIONS
#E-KYC
We understand that a seamless onboarding experience ensures happy customers and improves your relationship with customers. Our customer acquisition solution allows financial institutions to improve their onboarding process in a cost-effective manner and increase their business. We provide real-time integrations into major core banking and card management systems along with Government services like UIDAI, NSDL, and CERSAI.
We offer multiple form factors for seamless customer onboarding through Web, Mobile, Tab, Micro-ATM, Kiosks, etc. to eliminate physical restrictions faced by representatives during the onboarding process. Right from automation and digitization of the entire account opening process to meticulous KYC & CKYC process handling, we ensure a better turn-around, resulting in hassle-free customer onboarding.
#Customer Onboarding
We understand that a seamless onboarding experience ensures happy customers and improves your relationship with customers. Our customer acquisition solution allows financial institutions to improve their onboarding process in a cost-effective manner and increase their business. We provide real-time integrations into major core banking and card management systems along with Government services like UIDAI, NSDL, and CERSAI.
We offer multiple form factors for seamless customer onboarding through Web, Mobile, Tab, Micro-ATM, Kiosks, etc. to eliminate physical restrictions faced by representatives during the onboarding process. Right from automation and digitization of the entire account opening process to meticulous KYC & CKYC process handling, we ensure a better turn-around, resulting in hassle-free customer onboarding.
#Offline OTP
We help you empower your customers to generate OTPs at their will without depending on internet connectivity and that too in the most secure, efficient, and simple way. Our Offline OTP solution supports multi-channel scalability, gives you 100% authentication assurance, eliminates your customer transaction time-outs, reduces transaction time, and helps you save 30% on SMS costs.
Leading financial institutions in India are using our Offline OTP solutions for internet banking, mobile banking, ATM, POS transactions, cardless withdrawal, and related transactions. This eliminates fraud and improves customer experience by generating “OTP ON DEMAND IN APP”
#Doorstep Banking
Our robust framework helps to deliver services directly to customers, and that too at a fraction of the cost. Our technology platform enables field agents and banking correspondents to access and upload information centrally. This is done in real time and is fully automated. Our field representatives undergo rigorous training to deliver end-to-end services right at customers’ doorstep such as KYC verification services, cash deposits, cash withdrawals, cheque deposits, and many others.
#Financial Inclusion
We help banks to reach the unbanked and underbanked population to facilitate the financial inclusive drive in India. We believe every individual should be part of the financial ecosystem and have access to banking and value-added services such as payments, account opening, insurance, loans, money transfer, etc.
Our integrated and secure technology platform, a wide network of field agents, rural extension branches, and customer acquisitions solutions is enabling Financial Institutions to facilitate the Financial Inclusion drive.
#Digital Platform
We connect banks and insurance companies with consumers! Our digital platform helps banks and insurance companies to offer their product and services to the unbanked population. Our team works closely with regulatory bodies, banks, insurance companies, and key stakeholders in the banking and financial services sector to provide infrastructure and technological support to the remotest part of the country.
We aspire to build a nation, where every Indian is part of the financial ecosystem and has access to banking and value-added digital services at their doorstep.
#Rural Extension Branches
We help you take your bank to the remotest part of the country! Our PCI-certified ultra-thin branch model helps banks to provide banking services to the unbanked population to achieve both cost optimizations and operational efficiency. We not only set up physical branches but also manage them for you.
#Asset Sourcing
We have a robust channel and network to reach customers who are in the need of any kind of retail loan- personal, vehicle, housing, agriculture, or gold loans. We collaborate with leading banks in India to offer various types of loans to the rural population of the country. Our Pan-India network of field agents and merchants is working in the remotest part of the country which helps banks to scale and grow faster.
#Virtual Cards
We offer contactless and secure virtual dynamic cards for the mobile generation and prevent any type of fraud or the card from being skimmed, cloned, or hacked. Our product reduces the risk of card fraud by replacing the sensitive consumer credit/debit card number with a single-use, dynamic number that can be generated by the user anytime, anywhere. The virtual number looks and functions like any other card number but cannot be reused by anyone. Algorithm-based one-time-use card numbers ensure that even if the network or the merchant website is compromised, the card number can never be utilized again.
Leading banks are using our virtual card solution to bring modern payment experiences to their customers.
#Debit and Credit Cards (Domestic and International)
We are the pioneer and the largest manufacturer of banking and smart cards in India. We are the preferred partner of more than 120 private banks, public sector banks, and fintech globally. Our manufacturing and personalization facility is the largest in the country and is certified by Visa, MasterCard, RuPay, Diners, Smart Card Operating System for Transport Application (SCOSTA), and Payment Card, Industry Data Security Standard (PCI DSS)
#Travel and Gift Cards
We offer a wide range of the finest quality travel and gift cards. You can use these cards for gifting, earning loyalty points, transit, etc., and are a big hit with Indian consumers. We have dedicated equipment and a team to deliver state-of-art cards for your customers. We are the preferred partners for some of the largest organizations in the country.
We customize in different styles and designs as per your requirements. Our pre-paid cards come with security features such as an invisible logo, hologram, barcode, signature, etc. Our cards come in vibrant colors and magnetic strips.
#Contactless Wearable Payment Solution
Enabling your customer to make contactless payments in style. Our technology is secure and integrated with wearable devices such as a watch, rings, wristbands, and keyrings. The device comes with a linked customer’s bank account and personalization options with global standards for secure transactions offering urban lifestyle convenience. Making payments using a wearable device gives your consumer the luxury of not carrying their wallets and bags. The consumer is in full control of the device while making payments without any pin requirement and gets a faster checkout time for making the transaction.
#End-to-End Service From Production to Logistics
Our goal is to let banks focus on the core activities, and we take care of the rest! From designing, production, printing, and delivering it right at the doorstep of customers, we take care of the start-to-end process for you, ensuring product quality and excellence in service. We have partnerships with all major logistic companies along with in-house DOP clearing services for card issuance. Our services include a dedicated helpdesk for leading banks for supporting their branches in card issuance. It helps them to track and manage their status with our MIS (made available on Bank’s intranet or Manipal Technologies Limited’s ( MTL) secure site).
We also offer PIN management services from printing to the distribution of leading banks in the country.
#FASTag
We are helping people save time, fuel & money by enabling automatic electronic payment at toll plazas through FASTag. We are the leading manufacturer of FASTag in India. Our technical expertise combined with sustainable quality and experience of eight decades has enabled us to offer effective and efficient services to most of the leading banks in India.
SECURED PRINTING
#Cheques
From design and development, to print, to dispatch, we ensure that the printing of secured documents is smooth, safe, and quick. We print standardized as well as personalized cheque books as per the RBI mandate with additional security features like fugitive ink, aqua bleed, embedded fluorescent fibers, etc.
Our extensive print infrastructure and logistic networks ensure that large on-demand and time-sensitive cheque books are delivered in the shortest possible time.
#Statements
Statement and bill processing has been our core service for more than eight decades. Our exclusive focus on the banking industry ensures the delivery of best-of-class printing and mailing services specifically tailored to the needs of banks and financial institutions. Our billing and bill statement service offers web-based offset printing to match brand color requirements, automated variable data printing, delivering bulk volumes with minimum turnaround for high quality, and Self-mailer and envelope inserted formats for the bills
#Pin Mailers
Our secure solution division is an expert in handling the Personal Identification Number (PIN) for leading banks in the country. Under the highly secured area, we design and produce a high volume of PIN mailers and standardized two-part mailers with carbonless paper. We patch carbon and pach plication behind the first sheet for the PIN and ensure maximum confidentiality when being produced in bulk. We are an experienced certified specialist in the field of secured printing for eighty years and guarantee security from production to delivery.
#Information Booklet
From saddle stitched, perfect bound, special die-cut featured, to multiply folded booklet, We are the preferred partner for several banks and financial institutes in India for their information booklet needs. These booklets allow banks to convey services to new customers and can be personalized in different colors, sizes, shapes, folds, and binding as per the banks’ requirements.
#Thermal Rolls
From retail billing and ATM stationery to issuing tokens, thermal rolls are used everywhere. We have our own production facility having the capacity to produce customized thermal rolls for various applications, such as utility-retail bills, ATM stationery, bus tickets, and more. These are pre-printed on both sides and produced in thicknesses varying from 58-170 GSM and widths varying from 25.4mm to 460mm.
#Policy Booklet
We understand the requirements of the insurance industry and offer printing solutions that fit you right. Our printing services include printing policy booklets a document that contains all information regarding cover, insured, insurance company, and risk covered.
From production to delivering it right to the doorstep of customers, we take care of the start-to-end process for you, ensuring product quality and excellence in service.
Customer Communication Management
#Customer Communication
We help you engage, interact, and communicate with your customers through account statements, proposals, notifications, policies, letters, etc. These communications enable you to get through with customers and enhance customer loyalty. We provide an array of secured printing solutions that helps you to communicate with customers in a clear, concise, and personalized way.
#Instant Personalized Debit/Credit Issuance
A card issuance kiosk helps customers to obtain instant personalized banking cards. This smart, next-gen instant card issuance kiosk allows customers to initiate and manage the entire card issuance process from start to end within 5 minutes. It dispenses debit cards, credit cards, and prepaid cards either in indenting or embossing mode. It also helps in reissuing Lost/stolen cards, updating ATM Pin, etc.
#Account Opening With Card Issuance
Account opening with a card issuance kiosk is designed for convenience and ease of opening a banking account and getting a personalized Debit Card instantly in real-time with minimal or no manual intervention. This Kiosk will ease the process and captures all required information through Digital Mode. A user can open an account instantly, print a card, update KYC details, apply for internet banking, and avail of other banking services in just a few taps. The account opening kiosk is also available individually.
#Multi Function
Multi-Function Kiosk (MFK) is a self-service Kiosk that can be placed in branches or offline locations through which customers can update the transactions automatically on their passbooks, and deposit cheques into the kiosk without any intervention from branch personnel. Just as the names suggest, this kiosk can be used for multiple functions like passbook updating, cheque deposits, loan applications, insurance applications, and other banking services.
#Tab Based
This kiosk features a 10 Inch android tablet with a camera, speakers, and Fingerprint Reader (Optional). Tab Based Kiosks are used for collecting information from customers, displaying advertisements, or for other banking needs.
#Interactive Information
The interactive Information kiosk features Biometric Reader and Receipt printer that can be used for collecting information from customers, displaying advertisements, or for other banking needs.
#Statement Printing
The Statement Printing kiosk is a self-service solution that enhances customer experience and enables customers to complete their account statement printing without waiting in the queue at branches. Customers to get a printed statement on A4 sheets without the need for a Passbook.
#Internet Banking Kiosk
The Internet Banking kiosk is internet enabled kiosk that helps customers avail of other banking services in self-service mode. This kiosk is designed to help users to utilize Internet banking facilities to make all their transactions by themselves reliably without waiting in bank queues.
#Digital Signage Kiosk
Digital Signage solutions feature 40 to 55 Inch LCD/LED monitors for seamlessly displaying digital images, content, video, streaming media, and information. These kiosks are designed for smart advertisements and brand promotion. It can be placed in branches of offline locations, and it runs the advertisements, useful information, and promotional videos in repeat mode.
#Passbook and Auto Page Flip Passbook Printing
Passbook Printing Kiosk is a self-service Kiosk that can be placed in branches or offline locations through which its customer can update the transactions automatically on their passbooks without any intervention of branch personnel. It comes with two models – Manual page turning and auto page turning to suit the customer requirements.
#Cheque Deposit
Now customers don’t have to stand in long queues, fill deposit slips, and get their cheques deposited with the help of a bank officer rather they can just use the cheque Deposit Kiosk. A self-service device that allows the customer to deposit a cheque and get a receipt of deposit without any manual assistance or supervision. Here, the data is shared with Cheque Truncation System (CTS) in real-time.
#Procurement Platform
Leading banks and financial institutions in India are using our next-generation procurement platform to streamline their entire supply chain process. The platform helps to manage vendors for a quick turnaround at the best price. Our print expertise helps to monitor the quality of products consumed at branches. The technology platform is capable to offer tailor-made made solutions to match the demand and supply in a cost-effective manner.
#Vendor Management
Leading banks in India trust us with their entire vendor management process to ensure they save costs and deliver on time. Banks focus on core activities as they interact with a single dedicated account manager. Banks have to now process fewer invoices and queries which saves time. Traditional processes involved banks to follow-up with multiple vendors for invoices, logistics, and payments. Today, banks are at ease in ensuring adherence to the standards and guidelines by one partner.
#Print Management
It’s an uphill task for banks to keep a check on the expenses of their printed products across the vast spread of branches. Also, central sourcing may lead to inordinate delays at the branch. We are here to the rescue. We design, print, and deliver as per your needs. Right from printing to supplier management and from production to warehousing and delivery at the branch, we ensure that the entire process is hassle-free and cost-effective. We support you with the whole process of print management and marketing logistics. Our advanced IT tools help you map the entire demand-supply scenario, track demand from various branches, and manage the supply from warehouses to bank branches
#Creative Services
We make the creative process agile, and innovative for you. Our expertise lies in delivering high-impact creatives and artworks, faster, backed by a professional creative and design team. We maintain a cloud-based repository for all artwork and design with a centralized access control system. This helps to modify the existing designs and create new artworks as per the bank’s brand guidelines. Our team is continuously upgrading their skills to match the market demands and is highly trained in all design software. We deploy new technology and innovation wherever possible, save cost and time and ultimately bring power and control to you
#Packaging, Warehouse, and Logistics
No More Stocking and Piling! We store, pack, and deliver as per your needs. We offer packaging production services for Mono/rigid cartons, labels, and marketing products for soft and hard POSM and merchandise. Banks and financial institutions save on warehouse and logistic costs by ordering as per needs. Our team ensures it gets delivered directly to the branch.
We cater to more serviceable areas due to the usage of multiple courier partners across the country and tie up with speed post for areas non-serviceable by courier partners. A fully automated AWB generation along with API integration with all our courier partners. We help you select the courier partner based on the pin code for timely delivery. We have dedicated warehouses and a wide network of partners with a secured delivery logistics network of 15+ partners across 19,000 PIN codes.
#MIS and Analytics
From designing to market activation to real-time analytics, we are equipped to handle the entire gamut of services. We provide you customized reports at regular intervals to track your goals and milestones. The automated reports provide visibility in the entire process to monitor and track. This help banks taking the right decision at the right time. We also offer market insights and advanced level of analytical reports for the banks to stay ahead of the competition
#Digital Asset Management
Leading banks and financial institutions globally trust us with their digital asset management needs. Our solution helps them in storing, organizing, retrieving, and sharing all types of digital files including images, videos, fonts, and all other document types. Our solutions ensure that all files are stored centrally and categorized for the business to share and track. Our team also helps in creating new digital catalogs which allow financial institutions to showcase their product and services online.
FRAUD & RISK MANAGEMENT SOLUTIONS
#Fraud & Risk Management System
Our Enterprise Fraud & Risk Management System (EFRM) is geared to handle the ever-changing and ever-challenging financial crime scenarios faced by financial institutions. Our system is capable to detect fraud across channels and products like core banking, ATMs, PoS, online banking, cards, remittances, etc. Includes real-time, near real-time, or batch mode of monitoring, with real-time response times ranging from 20 milliseconds to 500 milliseconds.
#Anti-Money Laundering
Our Anti-Money Laundering (AML) solution empowers banks and other financial institutes to proactively manage AML risks and compliance needs. It offers financial institutions unmatched prediction and detection capabilities and reduced investigation times while also decreasing overall compliance costs. It monitors all transaction and behavioral related data of the customer and raises alerts when suspicious activity is found
#Customer Risk Rating Framework
Our solution suite provides a framework for evaluating customer risk ratings. The framework can be integrated with our enterprise fraud risk management system and anti-money laundering solution for a comprehensive integrated solution to fight financial crime. A maker-checker review workflow is implemented to ensure checks and balances in assessing customer risk. The framework provides a set of risk indicators, each assigned with a certain weightage. Static Risk Indicators reflect a customer’s demographic profile like the type of customer, nature of the job, the geographical area of business operations, etc. Whereas Dynamic Risk Indicators reflect the nature of transactions of the customer like the number of cheques returned, the percentage increase in the cash transactions, whether the customer attracted any negative press, etc.
#Name Screening Solution
Screening individuals and entities are the necessity of the hour and a part of ongoing due diligence during customer onboarding, and we help you with it. With our List Management solution, you can check whether a person is on any of the sanction lists like The Office of Foreign Assets Control (OFAC), UN, World-Check, Dow Jones, Politically Exposed Persons (PEP), or Bank-specific lists.
#Early Warning Signal System
A comprehensive and well-structured Early Warning Signal System assists you to predict possible defaults from borrowers that may adversely affect the institution. It’s a specialized tool, built using a set of parameters and processes that identify such probable risks at an early stage. This solution will prevent manual omissions and other oversights, thereby securing your valued assets. Our system detects indications of a breach from many signals derived from collating contemporary industry experience in addition to the set of 45 early warning signals given by RBI as guidelines through real-time monitoring
CORPORATE MARKETING SERVICES
#Marketing Collaterals
We are here for all your corporate needs! Be it a diary or calendar, brochure or gift or making annual reports, or any promotional material we are here to serve you the best. With 80 years of expertise, extensive industry knowledge, state-of-the-art printing facilities, advanced color management techniques, and well-qualified we are pioneers of the print industry. We have a variety of pre-printing, printing, and post-press options available that allows you to experiment with the effects and get the desired design of your choice
LOGISTIC MANAGEMENT
#Integrated Logistics Management Services
Our real-time Integrated Logistics Management Services is an ingenious solution that involves end-to-end tracking of consignments with multiple logistics partner linkages for distribution and tele-calling to maintain top-class RTO management. It helps Banks and financial institutions to deliver increased customer satisfaction, reduce overall operating costs, enable clients to be compliant with regulations, and boost performance through real-time analytics. We keep your data safe with our ISO 27001 certification, strong cryptography, and security protocols in place.