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Smart Banking Kiosk Solutions

By adopting our Smart banking Kiosk Solutions, banks can focus on more profitable products and services by enhancing engagement between staff and customers. Our self-service kiosks, tablets, and digital screens handle the routine banking services.

We assist our clients in the transformation and advancement of digital banking.

Banks can focus on more profitable products and services through enhanced engagement between bank staff and customers, while directing routine banking services to our self-service kiosks, tablets, and digital screens.

Panashi provides an omni-channel banking experience to consumers by offering a coherent, technology-driven solution that helps our clients significantly increase revenue. High customer engagement, excellent customer experience, availability of banking services after banking hours through multiple channels, API integration with banks' systems, and the highest security are some of our offerings.

Digital Banking Kiosk Machine

1. Digital Banking Solution

digital banking kiosk solution

Think of a machine that does most of your branch staff’s paperwork and clerical tasks.

Our self-service kiosks will take care of those functions for your branch staff, freeing them up to engage with customers and sell much higher-value products and services.

Perform banking transactions seamlessly

Banking kiosk account opening

Instant Account opening

Card printing – Debit & Credit card with embossing and indenting

Cash deposit & withdrawal

Remittance

Loan request

Statement printing

KYC process

Scanning docs

Video Conferencing

Utility bill payments

Digital screens

Place your rolling advertisements and videos on the digital screens and manage the content remotely through our content management system (CMS). Update and manage the content displayed on the kiosk screen remotely. Allow customers to interact with the screen through touch or gesture.

2. Instant Cheque Printing Solution

Get a personalised cheque book with up to 50 cheque leaves instantly through our self-service kiosk. No bank employee is involved in the process, no inventory or storage costs, no courier costs, and no more waiting to receive a cheque book for the customer. There are numerous benefits for banks to implement our instant cheque printing option.

Instant cheque printing kiosk

Two different feeding cassettes up to 1500 documents

instant cheque printing

Customisation of cheques through high resolution ink jet printing

instant cheque printing standards

Highest security standards

instant cheque printing MICR

Thermal transfer MICR encoding

instant cheque printing stapling

Stapling & binding of cheques

A lady showing cheque after using instant cheque printing kiosk
A lady showing card using instant card printing kiosk machine

3. Card Printing Solutions

Get a personalised debit/credit card issued in seconds through our card printing kiosks. This way banks can improve the quality of service offered to their customers. Contact smart/contactless smart or magnetic stripe cards with embossing/indenting/hologram/lamination technologies or together can be implemented in our solutions. Our solutions are designed with highest security standards in the industry.

Magnetic stripe encoder

Edge-to-edge printing

Smart contact station

Dual-sided printing module

Embossing, indenting, hologram & lamination

Challenges faced by the banking industry

The banking industry deals with a multitude of challenges ranging from legacy machines to digital transformation.

  1. Legacy machines and infrastructure – As you may know, outdated legacy machines still run in many banks. Legacy system maintenance, upgrade and modernization is challenging.
  2. Competitive industry – Yes, nowadays competition in the banking industry is immense. Non-banking finance institutions and retail companies provide payment solutions and money-lending services posing competition to traditional banks. 
  3. Rise of fintech – Fintech companies have already made their presence known in the banking industry by introducing innovative products and services. Keeping up with their pace and agility can be challenging.
  4. Evolving customer needs – Customers demand personalization and convenience. Digital transformation via technology integration has become one of the core considerations of modern banking. The integration of mobile apps, self-service technology and other digital channels are prerequisites for a seamless banking experience.
  5. Change in demography – There is a growing need to reflect the goals of the Gen Zs and millennials. Understanding demography changes has become vital. 
  6. There is a growing need to reflect the goals of the Gen Z and millennials. Understanding demography changes has become vital. Are you one among the Gen Z or millennials?
  7. Cybersecurity issues – Risks related to cybersecurity like phishing have considerably increased owing to banking digitization. Establishing credibility and trust is essential lo the banking industry.
A bank with multiple smart banking kiosk machines

Understand the concept of Smart banking

The term “smart banking” describes the application of cutting-edge technologies and data-driven business models to provide top-notch financial solutions and customized products to match clients’ changing needs. Smart banking makes use of various facets of technology and automation to improve the day-to-day operations of the bank, enhance CX and promote business expansion.  

Understanding the concept of smart banking by analyzing its features.

  • Personalisation – Smart banks leverage data analytics and AI algorithms to personalize messages, recommend products, and offer loans to targeted customers.
  • Digital channels – You may access a plethora of banking products and services, like user-friendly and responsive websites, banking apps for mobile, online banking facilities, from the comfort of your home.
  • Technology innovation – Smart banks are constantly in pursuit of evolving technologies and solutions, from robotic tellers to the latest IoT solutions, to provide the best-in-class customer experience and stay ahead of the competition.
  • Customer Engagement – Smart banks do their best to maintain customer rapport by sending personalised messages, financial advices, suggestions etc. to customers.
  • Automation – From the basic customer service to loan approval, smart banks automate the tasks to improve their operational efficiency and reduce expenses.
  • Data Analytics – Smart banks leverage Data Analytics to gather crucial data pertaining to customer likes and dislikes, gain performance-related insights, and mitigate risks.
  • Security – To safeguard customer information and prevent fraudulent activities, smart banks implement powerful cybersecurity solutions, which include data encryption, biometric verification, and real-time tracking.
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Why smart banks outperform traditional banks?

We are all familiar with traditional brick-and-mortar banks, where we once had to wait with tokens and stand in lines before the teller. We knew the relevance of bank timings and did our best to be on time.

Smart banks are swiftly replacing the traditional banking concepts. As a leading smart banking provider in the middle-east and UAE, Panashi FZCO perfectly understand its implications.

Smarts banks are banking institutions that have undergone digital transformation by leveraging technology to create exceptional banking experiences for customers. Smart banks outperform traditional banks in several aspects. Here is how,

  • Technology-friendly – Technological innovation in the core of smart banks. Smart banks do not shy away from adopting the evolving technologies like AI, ML, blockchain etc.
  • Customer Experience (CX) – Smarts banks have their unwavering focus towards improving CX! Smart banks present the anytime, anywhere banking opportunity for customers through various digital channels. This means a high degree of convenience and flexibility for customers.

 Reduced expenses – Compared to traditional banks, smart banks can operate with far less expenses. Employing cloud-based services, implementing digitisation and automation brings down the operational expenses considerably. Reduced expenses reflect in the form of affordable pricing structure, improved rate of interest for customers.

Leverage Data - Smart banks are in an advantageous position as they can leverage the power of data in their operations. Decision backed by real-time data improves profitability and helps to mitigate risks.

Flexible and scalable – Compared to the legacy systems in traditional banks, the IT infrastructure employed in smart banks ensure high degree of flexibility and scalability. Hence, smart banks are highly responsive to change in market requirements. They come up with innovative products and services whenever the need arises, and the process is fast!

Improved risk management and adherence to norms - Smart banks use technologies like AI and ML to mitigate risks and adhere to norms and regulations. These cutting-edge technologies help smart banks to identify fraudulent activities, recognize possible dangers and simplify compliance-related tasks.

Meaningful collaboration – Smart banks are always willing to partner with technology solution providers and other fintech companies to become more visible to new customers. Smart banks explore and experiment with 3rd party and API integrations and hence cater to the needs of a larger group of customers. 

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Benefits of Smart Banking

smart banking accessibility

Accessibility and Convenience

smart banking security

Enhanced security

smart banking customer experience

Personalised Customer Experience

smart banking AI integration

Seamless integration with AI, IoT, Blockchain technologies

How Artificial Intelligence facilitates Smart Banking

Artificial Intelligence is an crucial aspect of Smart Banking and is mutually beneficial for both the banks and the customers. AI is widely used in multiple areas such as fraud prevention, customer service, and finance management.

Prevent fraud

Smart banks use AI for identifying threats and fraudulent activities that might compromise vital customer data. AI systems use Behavioral Analysis and Pattern Detection to ward off possible threats and unauthorized intrusions.

Customer service

Smart banks incorporate AI-assisted customer service that uses chatbots and virtual assistance and leverage the power of Natural Language Processing (NLP) for the process. Chatbots are employed in smart banks for handling chunks of customer queries that are repetitive in nature. And, they are highly efficient and fast in processing those queries, which in turn, helps in employee reallocation. NLP brings a human touch to the chatbot responses. As a result, the chatbot responses become more pleasing and appealing to the customers.

Personal finance

Smart banks make use of AI systems to offer various customer-centric solutions that help customers make well-informed financial decisions, such as budgeting and gathering in-depth expense-related insights.

IoT influence in Smart Banking

IoT is an ecosystem that enables communication and data exchange between interconnected devices, including machines, humans, and other systems. Smart Banks adopt IoT to improve their operations and CX. Some of the use case applications in banking and finance sector are listed below.

Asset tracking

Highly efficient and smooth asset tracking is possible with the help of IoT connected devices. The incorporation of IoT in Smart banking environments helps in efficient assigning and managing of assets, mitigate risks, and improve CX.

Gather real-time data

Gathering real-time customer data is crucial to banking and finance sector and IoT enables just that! Real-time data helps banks send instant updates and suggestions to the customer, thereby empowering customers.

Personalised banking

The IoT connected devices gather valuable customer data like preferences, requirements and patterns. Banks analyse this data and use them to provide personalised products and services.

Blockchain and Smart Banking

Blockchain or Distributed Ledger Technology allows data sharing with utmost security and transparency. With the rise of fintech companies, and growing cybersecurity concerns, modern banks are seriously contemplating on the prospects of Blockchain technology. Some of the major benefits of implementing this technology in banking sector are provided below.

Cross-border transactions

By incorporating blockchain technology, banks can bypass the intermediaries involved in cross-border transactions and make transactions much quicker and more cost-effective.

Prevent fraudulent activities and enhance security

Blockchain technology is a decentralized ledger system that can mitigate the room for human errors, check fraudulent and suspicious activities, loss of personal information, and ward off cyberthreats.

How banks benefits from banking kiosk solutions

  • Cut the high operation cost of traditional branches by 20% to 40%
  • Smaller branch footprint
  • The typical branch becomes a kiosk-affair featuring top-notch technology interfaces.
  • Video conferencing facility
  • Run the branch with minimum staffing requirements
  • Save operational expenses
  • A banking/business specialist operates from a single location providing services to clients via a technology link. (mobile, web or kiosk branch)
  • Our Business intelligence tools provide insightful reports to banks other than the normal notifications, budgeting, expenditure analyses, savings programs, calculators etc.
smart digital banking kiosk

Frequently
Asked Questions

Yes, our first goal is making sure your transactions are secure. To safeguard your private data, our banking kiosk solution uses the most recent encryption technology along with security precautions.

Our banking kiosk's UI is created with user-friendliness in mind. Even for individuals with limited technical expertise, navigating through the various banking services is effortless.

We've included built-in support capabilities in our banking kiosk solution to help you anytime. Whether you're having problems with a transaction, need account information, or need help utilizing a particular service, our digital banking kiosks offer instant on-screen help and access to customer care agents via live chat or phone support.

Some of the services offered by Digital Banking Kiosks are KYC and update KYC, account opening, instant debit or credit card printing, instant cheque book printing, cash deposit and withdrawal, cheque deposits, applying for banking products, statement printing, video conferencing with bank agents and so on.

Digital banking kiosks not only simplify the whole process of banking but it brings a personalized touch too. The customer can interact with digital banking kiosks any time round the clock to avail any typical banking transaction. The digital banking kiosk eliminates the waiting time in the branch, waiting time to get the personalized cards or cheque book, which normally takes a few days or weeks.

Yes, it does accept debit card and credit card transactions along with other means of transactions including cash, coins, NFC based transactions like google pay, apple pay etc

Customers can transfer money from a digital banking kiosk by choosing from the beneficiary list displayed on the kiosk screen and the destination amount to be transferred. The payment can then be made by cash or card and the customer can collect the change.

A digital banking Kiosk is a Self-Service kiosk machine that allows users to access traditional banking services in a quicker and much efficient manner.

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Panashi is a truly unique self-service company, dedicated to revolutionizing the way businesses and individuals interact with self-service kiosks and other kiosk machines. With a strong commitment to innovation, we aim to transform everyday experiences through cutting-edge self-service solutions.

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Kiosk Solutions

Contact us

United Arab Emirates

  • Office 122, Technohub 2, Dubai Silicon Oasis, Dubai, United Arab Emirates
  • Info@panashi.ae
  • (+971) 56 244 9991

India

  • Office 6B, Noel Focus, Kakkanad Kochi - 682037, Kerala, India
  • Info@panashi.ae
  • (+91) 98 95 476117

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