Sub-K / ANM – Overview

Business Correspondent - ANM

Agent Network Management

Agent Network Management (ANM) vertical plays a pivotal role in achieving the dream of a Financially Included India. ANM aims to provide banking & non-banking services in the most remote and underbanked parts of the country in an easy, affordable, and transparent manner. Customers are able to do banking transactions, such as balance enquiry, account opening, cash withdrawal, cash deposit, account transfer, DBT transactions, among others without having to travel long distances to the nearest bank branch.

Sub-K operates, manages, and controls the transactions on end-to-end basis through recruiting, training and equipping local entrepreneurs as ‘Business Correspondent Sub Agents’, usually referred as BCSAs, who serve as human ATMs at the last mile of connectivity between the Bank and the end customer, through mobile/kiosk-based technology.

Sub-K also provides G2C AND B2C services via eMitras, an e-governance initiative by the Government of Rajasthan, implemented in all 33 districts of the state using Public Private Partnership (PPP) model for convenience and transparency to its citizens. The services include utility bill payments, application and digitally signed certificate services, banking, tele-medicine, e-commerce services, etc and new services being added to its fold regularly.

Sub-K creates a profitable and sustainable eco-system for the BC sub agent, Bank, and Sub-K, ultimately serving the customers with real time banking and non-banking solutions. Beginning from establishing the BC sub agent to full time support via regular visits and connectivity over phone, Sub-K ensures a continued flow of operations to support our agents and customers.

We offer a robust connection between all our existing systems to the NPCI.  In this, we support the following:

    1. Aadhar Authentication – both biometric and demographic
    2. Aadhar Seeding
    3. IMPS Transactions
    4. AEPS Transactions
    5. UPI Support

Core Competencies

1.  In-house core technology – ViTranSP

2. Wide and robust network of agents

3. Dedicated field & supervisory staff which helps in real-time complaint resolution & coordinating with both agents & banks

4. In-house dedicated Production, Technical and Helpdesk teams

ANM Process Flow

BC Agent Management