This solution improves cumbersome manual toll collection processes with contactless ecosystems that increases productivity of operators, eases traffic congestions, as well as reducing pilferage at toll plazas by employees.

1. Contact us
Varun Mittal
EY Global Emerging Markets
FinTech lead
varun.mittal@sg.ey.com
FinTech Hub
www.ey.com/sg/FinTechHub
Case study
Context:
Indian transportationecosystemand specially
toll plazas are heavily cash dependent for their
collections and operations. Most travelersprefer
to pay cash at toll plazas. A major chunk of
traffic on highwaysare around toll plazas,
causing high environmentalimpact due to
excess of fuel wastage caused due to in long
waiting time.
Recommended configuration:
• FASTag is a large-scale contactless toll
payment solution development by NPCI and
National Highway Authority of India (NHAI)
• Leading Indian banks have been boarded as
issuers and acquirers for the FASTag
payments. These banks are aggressively
promoting FASTag sales and their reloads
through their existing websites and mobile
portals
• Governmentof India has made FASTag
mandatory for all new four wheelers being
sold since December 2017
Expediting toll collections with
contactless ecosystems
Technological capabilities
Challenges faced by institutions
Key benefits
Auditable transaction historyHassle-free administration
Instant payment
on the go
Eliminating stress while
increasing productivity
for toll operators and
providers
Prepaid tags
Hassle-free contactless tags
placed on windscreens of cars for
instant auto deductionsat toll
plazas
Reloadable
tags/chips with
web-
portal/mobile
phone access for
a quickreload
Vehicles do not
have to stop while
passing a toll
plaza, saving
customers’ time
and easing
highwaytraffic
Client impact:
• Easy and hassle-free journey through toll
plazas
• Since vehicles are not made to stop at toll
plazas, time and fuel get saved
• Transactionintimation via SMS/mobile apps
and detailed transaction history
• Reduction in cash pilferage at toll plazas by
employees
Huge manpower is required to operate and
maintain toll booths as cash is a dominant
mode of payment at tolls in ASEANcountries
Since the waiting time for travelers is more at
toll outlets, transaction frequencies are huge
during peak hours
Due to high daily volumes of transactions, toll
operators face cash management challenges
Promoted by
leading Indian
banks
Vehicles don’thave
to stop while
passing a toll plaza,
saving customers’
time and easing
highwaytraffic
Radio frequency identification
(RFID)-enabled tags