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Arttha, our new generation financial transaction platform that challenges the existing financial ecosystems.

arttha

In the digital payments world, Arttha, by PureSoftware, is one of the fastest growing technology platforms. Businesses requiring a digital solution for financial services, mobile banking, agency/ branchless banking, microfinance, insurance, payments, and payments aggregation, Arttha tenders a single platform solution. More than 50 banks & financial institutions, and four mobile operators, in the last three years, have adopted Arttha. In otherwise unconventional financial services market, we have a proven track record of being unusual and innovative in our outlook to resolve business issues.

Mobile network operators today are part of an exceedingly competitive market where they need to continually innovate and engineer service differentiators to not only retain their existing subscribers but get new ones too. Arttha provides a unique solution for telcos as it brings a combination of mobile communications, e-wallets and financial products on the same platform. This combination of services on a single platform provides the telcos with an essential tool for increasing ARPU, customer stickiness and creating a service differentiator like no other.

Electronic airtime Distribution

Mobile network operators today are part of an exceedingly competitive market where they need to continually innovate and engineer service differentiators to not only retain their existing subscribers but get new ones too. Arttha provides a unique solution for telcos as it brings a combination of mobile communications, e-wallets and financial products on the same platform. This combination of services on a single platform provides the telcos with an essential tool for increasing ARPU, customer stickiness and creating a service differentiator like no other.

Mobile Commerce & e Wallets

Mobile wallets are the backbone of a MFS platform. Arttha provides a unique solution, as it brings a combination of mobile communications, e-wallet and financial products on the same platform. On Arttha the mobile wallet comes with a host of features and capabilities that were only available on core banking systems till date. Arttha enables you to operate a complete financial services operation from a single platform, eliminating your dependency on multiple systems, and multiple vendors. 3600 mobile commerce is the central philosophy behind our efforts to create a mobile transaction platform that goes beyond being a wallet management platform to an economic tool, empowering individuals and business to manage their wealth through multiple channels, wherever they may be and whenever they may want. The 3600 approach pushes the boundaries of mobile transactions beyond a POS interaction to a forward and backward integrating channel that includes the entire circulation of money in the economy. This platform is capable of handling financial transactions from the rest mile, i.e sources of income of money for an individual or for a business, to the last mile, i.e sources of expenditure while providing multiple options of managing money while in possession.

Branchless Banking

Arttha has a unique value proposition for banks and other organizations in the financial domain. We enable them to enhance engagement with their existing customers, while helping them to create new customer segments in the yet unbanked and under banked populations. With features like multi-level authentication, channel specific velocity controls , KYC management, card and voucher management, PIN OTP and transaction passwords, online portal control, POS management and dynamic configuration tools the platform introduces institutions to a new era of mobile banking
The advantages of branchless banking :
Agency banking : Create highly effective agent networks to provide services.
Multi-channel support: Harness multiple service delivery channels lie kiosks, ATMs, tablets, POSs devices.
Hybrid banking: Seamlessly integrate arttha to your existing core banking systems.

Multiple payment Instruments

Cards have become an integral part of the payments ecosystem, creating great conveniences for all stakeholders in a transaction. We provide native support for card payments, enabling service providers create, distribute multiple types of cards and also acquire transactions and process them.

  • Create multiple cards: Unrestricted card creation.
  • Dual CVV number capability: Card-present and card-not-present transactions.
  • Card PIN: Allows separate card authentication PINs.
  • Multiple card types: Pre-paid, Debit, ATM, gift cards.

Second in the list is pre-paid vouchers, as they are one of the most convenient modes of transferring value from one person to another in situations when no other formal means is available. We provide native, out-of-the-box support for managing in-house and 3rd party vouchers. Arttha allows for complete lifecycle management of voucher transactions, from creation and storage, to transfers and redemptions, to expiry and deletion.

  • Multiple voucher types: Support of unlimited voucher types.
  • Multi-layered structures: Automated voucher PIN change on transfers.
  • Partial redeem: Allows for partial value redemption of vouchers.