July 2015

e-Transaction is the Future

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Ashish Saxena, CMS Product Head, ICICI Bank

Ashish Saxena
CMS Product Head, ICICI Bank

Nowadays, eGovernance is a vast project and we specialise in making electronic collections or electronic payment modules, along with e-banking or e-trending solutions. There are a few small corporations that do not have a system of their own. So, to migrate towards the electronic solutions is a real challenge for them.

In such a situation, we offer solutions like EasyPay, where the entire database can be ported in our portal and users can access it. Be they customer of any bank, they can make payments of bills, water tax, property tax, etc. We have offered the payment gateway products, along with aggregator models, in which net banking models of various banks are incorporated. It is a ready-to-use platform where the data can be uploaded, and a user of any particular organisation can use it to make payments and update records.

Further, we figured out that though the trending solution had gone live online, the banking part remained manual in nature. People were still coming to the banks to deposit DDs or storing those, which could hamper the confidentiality factor. So, three years back, we also started e-trending as a solution.

We do the refund processing also through payment gateway as well as RTGS and NEFT, and ensure that there is no need for a client to come on a bank portal, further offering ease to their work. The good part is that we are live in Maharashtra, Karnataka and Haryana, and some of the major corporations like Pune Municipal Corporation, Nasik Municipal Corporation and Nuclear Power Corporation. We also ensure that the solution is flexible to incorporate the underlying need of a corporation.

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