Doorstep banking provides banking services to customers at their premises instead of requiring them to visit a bank branch. It allows customers to apply for accounts and facilities, deposit cash and instruments, and receive cash or demand drafts without having to go to the bank. Banks benefit from this new channel by increasing their reach and reducing branch loads, while customers find it more convenient than queuing at branches. The service is delivered through bank employees or agents using a tablet app connected to the bank's systems.

1. Why go to the bank? Let the bank come to you.
Doorstep banking is a concept in which banking services
are provided at the premises of a customer. Availability of
ATMs for 24 hours banking is not seen sufficient. More
and more customers are looking to get banking services
at home and office. Hence Doorstep Banking has become
a critical channel for banks.
Services offered at Doorstep
%
Corporate Customers
Receive application for opening Current
Account, Savings Account, CC and OD
Receive application for fund based and
non-fund facility
Pick up Cash
Pick up Instruments
Delivery of Cash against cheque received
at the counter
Delivery of demand drafts
Individual Customers
Receive application for opening Current
Account and Savings Account
Receive application for fund based and
non-fund facility
Pick up Cash
Pick up Instruments
Delivery of demand drafts
Doorstep Banking

2. 1
Delivery Process for Doorstep Banking
Modality of delivery may be through bank’s own employee or agents. Designated
employee or agent will visit customer premise with a tablet. Will enter customer requests
using a Doorstep Banking App installed in the tablet. This app will have facility to receive
applications offline. Once online, tab will reconnect to tab server to update. Tab server
will in turn post the request details for approval in core banking using web services. A
reconciliation module will reconcile requests in tab with tab server and tab server with
core banking system. Customer authentication will be through biometric identifiers like
finger print verification.
Key benefits to banks:
Key benefits to customers
No queuing at the branch, bank at doorstep
Surya specializes in risk and treasury management systems for financial services industry .
With an implementation base spanning several countr ies across continents, Surya’s solutions
help enterpr ises to minimize risk, improve profitability and effectively monitor financi al
performance. Central to our products are robust frameworks and plug-n-play softwar e
components that ensure cost efficiency, scalability, ease of use and rapid implementation.
Surya is focused on developing solutions that help clients to keep abreast of changing
internal and external financial risk management requirements.
For more information, please write to:
sales@surya-soft.com
or call us at+91 80 4225 6000
Surya Software Systems Pvt. Ltd.
502/A, 1st Main Road, 8th Block,
Jayanagar, Bangalore 560 082, India
www.surya-soft.com
sales@suryafinsys.com
or call us at +1 203 542 7208
Surya Financial Systems Inc.
500 West Putnam Avenue, Suite 400,
Greenwich, Connecticut 06830, USA
www.suryafinsys.com
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Opens a new channel of bank, increases reach to customers in places with no
branches
Reduces branch load
Coordination among agencies, customers and banks becomes automated
Reduces the risk of carrying large sum of cash to or from branch
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