IoT platforms, helping in creating automation around various data flow ecosystems and adding value through data backed analysis.

1. FinTech with Internet of
Things
IoT platforms, helping in creating automation around various data flow ecosystems and adding
value through data backed analysis.
Inclusion of finance through various secure mode with Fintech and RBI innovation is putting icing
on the cake in terms of making a monetizing business model.

2. FinTech + Internet of Things
❖ Milk to Money automation
❖ Connected vehicle
❖ IoT enabled wearables
❖ Electric billing automation
❖ Public distribution automation
❖ Micro mobility and EV
IoT Automation
❖ Fuel level | Driving behavior | service
condition | Threat alert | location
❖ Heart pulses | artery flow | blood
pressure | distance traveled | health
analysis |
❖ Electricity consumed | Billing alerts |
service on /off |
❖ Beneficiary authentication | Quantity
disbursed | inventory available|
❖ Ride booking| Battery charging status
Data generation
❖ Payment direct to farmer.
❖ Collection from milk buyer.
❖ Vehicle insurance | Fuel refill
payment | toll payment | Insurance
claim disbursement |
❖ Direct bill payment | Payment
enabled devices|
❖ Vehicle rent & charging payment |
Finance inclusion
❖ Data encryption at device,
network connectivity ,
application & cloud level.
❖ Financial information security
through “ Tokenization “ of
card and payment information
by Fintech and payment
networks.
Information Security
Fintech
IoT
Fintech
IoT

3. Farmar registration
Farmers get registered with
platform with Aadhar / identify
and get an QR enabled and
account linked ID card,
01
04 Analysis
IoT platform analysis |
calculate the amount basis
agreement | verify the Farmer
02 Milk collection
Farmer submits the milk at
centre for quantity & quality
indexing. Under his ID.
03Index & communication
Device at centre measure the
index and send the data to
Farmar and cloud server for
amount calculation.
05 Payment wallet
Fintech enabled wallet
disburse the payment to the
farmers account directly.
06 Account update
Farmer and centre system
gets an update of payment
transfer.
Milk to Money – IoT enabled Fintech use case
0
1
0
1
1
Milk
Money

4. START
STOP
01
IoT enablement
02
Inclusion of payments
03
Data Analysis
04
Security & Finance
IoT Platform
Inclusion of payment
modes / wallet / card /
UPI with IoT devices
(Wearables, VTS,
electric meter)..
Fintech
Payment and CARD
information security
through Tokenization.
Device
Automation of various
consumption / utility and
payment process /
process through IoT
enablement.
Cloud Tech
Data analysis & security
and GDPR norms.
Devices | Payment | Tokenization – IoT enabled Fintech use case

5. Device | Payment | Tokenization – Fintech use case for Tokenization
Capture card
details
Generates unique
token on
payment request.
Discard the token
for regeneration
or reuse.
IoT enabled device is used for
payments with no touch.
Payment completes through Fintech
backed token instantly.
Inscription of data to male it less
vulnerable
Making recurring and subscription
based payment easy and safe
Token is unreadable except
processer
Eliminate the intermediary like
Marchant/e com to store card data.
Original card details are in control
with bank and user