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Aadhaar Enabled Payment System

Banking that reaches the last mile.

Mobee AEPS equips Business Correspondents to deliver biometric micro-banking — cash withdrawal, deposit, balance enquiry and mini statements using Aadhaar and fingerprint authentication.

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Indian rural AEPS business correspondent banking point
BC / SERVICE POINTAEPS READY

One agent. Multiple banking services.

Aadhaar-authenticated transactions extend banking access beyond traditional branch and ATM infrastructure.

Cash WithdrawalCash DepositBalance EnquiryMini Statement
Access Model

The branch comes to the customer.

AEPS is a field-banking operating model. The customer reaches a Business Correspondent, authenticates biometrically, and Mobee routes the verified request through the AEPS network to the issuing bank.

Customer

Aadhaar number, bank IIN and biometric authentication initiate the assisted transaction.

END USER / 01

BC Agent Point

The Business Correspondent captures the service request and biometric at the point of service.

FIELD NETWORK / 02

AEPS Network

The verified transaction routes through NPCI to the customer's issuing bank for authorization and settlement.

INTEROPERABILITY / 03
UIDAI Compliant NPCI AEPS Certified RBI BC Guidelines ISO 27001
Agent Service Counter

What an enabled BC point can deliver.

Instead of presenting AEPS as a feature grid, this section reflects the actual service menu an agent network can operate.

01
Cash withdrawal

Deliver cash to customers against Aadhaar-authenticated account debit.

LIVE SERVICE
02
Cash deposit

Accept cash at the agent point and credit the customer's account through the assisted flow.

LIVE SERVICE
03
Balance enquiry

Give customers real-time balance visibility without a branch visit.

ACCOUNT INFO
04
Mini statement

Surface recent account activity through the Business Correspondent service point.

ACCOUNT INFO
05
Aadhaar-to-Aadhaar transfer

Support assisted fund transfers within the AEPS operating environment.

TRANSFER
Indian Bank Sakhi providing last-mile financial services
BC NETWORK / FIELD OPERATIONS

Scale access without scaling branches.

Network Operations

Run the agent network as a business system.

For banks and BC networks, AEPS is not only transaction routing — agent onboarding, network visibility, risk monitoring and commission operations matter just as much.

BC network enablement

Onboard and manage large Business Correspondent networks from one operational console.

Multi-bank interoperability

Customers can transact across AEPS-enabled issuing banks at enabled agent points.

Agent-level fraud monitoring

Device, geography and velocity checks help flag suspicious field activity in real time.

Agent MIS & commission visibility

Track activity at the agent level for operations, commission and compliance management.

Biometric Transaction Journey

Four controlled moments.

The AEPS experience is physical at the edge and digital underneath. Scroll through how identity, authentication, routing and settlement connect.

01

Capture

The agent captures Aadhaar details and biometric input at the service point.

02

UIDAI authentication

Biometric data is authenticated in real time before the transaction continues.

03

AEPS switch routing

The authenticated request routes through NPCI to the customer's issuing bank.

04

Settlement

Cash is dispensed or collected and the account is debited or credited instantly.

AEPS / BIOMETRIC AUTHSECURE SESSION
Identity verified before routingBiometric authentication acts as the gate before the financial instruction proceeds into the AEPS network.
Business Outcomes

Why institutions deploy AEPS.

The value is measured in geographic reach, agent productivity, interoperability, transaction safety and lower dependence on physical banking infrastructure.

01

Extend banking reach

Serve customers in underbanked geographies without building a branch at every location.

02

Cardless access

Customers can access assisted services using Aadhaar and biometric authentication rather than a card and PIN.

03

Interoperable service points

AEPS-enabled customers can transact across issuing banks at enabled agent locations.

04

Agent revenue opportunity

Business Correspondent networks can create transaction-led commission revenue at the field level.

05

Purpose-built field risk

Device, geo and velocity controls are suited to risk patterns that emerge in distributed agent networks.

06

Operational visibility

Agent-level MIS supports commission tracking, monitoring and compliance oversight.

Connected Products

Build the assisted-banking stack.

DMT

Domestic remittance for assisted-banking networks.

MATM

Micro-ATM banking through handheld devices.

FRM

Real-time fraud screening across field transactions.
AEPS / Field Banking

Take banking beyond branches with one connected BC platform.

Talk to Mobee about AEPS integration, agent-network enablement, compliance, fraud controls and production rollout.

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