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BR Realm CE
BR Realm CE is a Point of sale solution that intergrates with our high end transaction routing engine -BREFT that allows a bank / micro finance institution to drive their ATM, POS or any other electronic delivery channels. BREFT™ Channel Manager securely and transparently manages and integrates the channels through which banking services are delivered through ATM / POS. The Point of Sale (POS) device is a small hand-held device that comes in two major versions – the bio-enabled and the normal POS.
  • Bio-enabled POS
  • The POS device is used to capture biometric information of the customers and link it to their account for authentication purposes. The device is also used for services like cash withdrawal, cash deposit, balance enquiry, mini statements, funds transfer etc. (eliminating the use of ATMs) and the added advantage is that the bio-enabled devices use the prints for authentication, thus limiting the margin for fraud.
  • Normal POS
  • The other devices use cards for this, cards can be used on both devices. POS devices are perfect for remote areas where there may only be GPRS coverage, the presence of a battery and its size makes the POS a preferred solution to increase an institution’s customer coverage. The POS devices communicate using the BREFT switch, through which the data is routed and responses are forwarded. In most cases these are used as mini branch solution by organizations that need to reach their customers in remote areas.
Features
Features of POS for Retail Solution

Financial

  • Standard credit and debit for Visa / MCI transactions
  • Cash advance / cash back
  • Cash/cheque deposit
  • Loan repayments and disbursements
  • Funds transfer between accounts
  • P2P Remittances

Non-Financial

  • Mini statement
  • Cheque book request
  • Statement request
  • Pay-order / DD request
  • Stop payment request
  • Mobile top-up
  • Utility bill payment
  • Loyalty programs

Features of the POS for Mini Branch Solution
POS comes with the following features in different module applications:

Loans

  • Loan payments
  • Loan disbursements
  • Loan Approval in Principle (AIP)
  • Loan calculator
  • Group loans

Savings

  • Deposit
  • Withdrawal
  • Account enquiry and statements
  • Deposit calculator

General

  • Transfer of funds from one account to another
  • Mini statements
  • Cheque book request
  • Statement request
  • Payorder / DD request
  • Stop payment request

Utilities

  • Change operator password
  • Send alerts to head office
  • Mobile top-up

Reports

  • Daily audit trail
  • Transaction listing
  • Batch summary
  • End of day dump to server

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Benefits
To Customers
  • Easy reach to bank services, right at the doorstep
  • Provides security while accessing accounts by using combined magnetic card and fingerprint authentication
  • Allows printing of up-to-date statements

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To Businesses
  • Provides easy online, real-time updates of customers account transactions
  • Increases customer base due to better services
  • Reduces cost of customer service

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Architecture
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Modules
  • Reports
  • Loans
  • Savings
  • Transactions
  • Payment Mode
  • Bio Metric Settings
  • Utilities
  • Security
  • Mobile Services
  • Cheque Manager
  • Offline Configurations
  • Networks Settings

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Integrated Solutions
POS device connects to other core banking application using the BREFT switch. Bankers Realm EFT SWITCH is a high end transaction routing engine that allows any core banking solution institution to drive their POS or any other electronic delivery channels.

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Testimonials
  • FAULU KENYA, KENYA
  • K –REP BANK LTD, KENYA
  • NAKUMATT HOLDINGS LTD, KENYA
  • JAMII BORA TRUST, KENYA
  • WORLD COUNCIL OF CREDIT UNIONS, INC., KENYA
  • AWORLD WOMEN’S BANKING, GHANA
  • AFRIQUE EMERGENCE & INVESTISSEMENTS, COTE D’ IVORE
  • FBN MICROFINANCE BANK LTD, NIGERIA
  • AFRIBANK MICROFINANCE BANK LTD, NIGERIA
  • BOTSWANA SAVINGS BANK, BOTSWANA
  • CITISERVE , GHANA

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Other Alternate Channel Solutions

For more information on support of the BR Realm CE , write email to brealmce@craftsilicon.com

 

Jamiibora is one of the biggest and the fastest growing Micro Finance in the East African region. Jamiibora uses state of the art Finger print authentication system on their POS devices which connects to their Core Bankers Realm system on a GPRS network.

Download Case Study

 


Get informatino on how Point of Sale devices provide services to bank providing branchless banking accessbility to people in rural and marginalised areas thus increasing customer base.

BREFT Brochure
POS Device Brochure

 

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Craft Silicon has implemented over 1000 Point of Sale devices for over half million customer base across the globe.
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