DTH Money: AEPS-Enabled Digital Banking Platform
Built a robust AEPS (Aadhaar Enabled Payment System) Android application enabling cardless cash withdrawals, balance enquiries, and mini statements through biometric authentication—transforming local retail outlets into mini ATMs for financial inclusion.
Welcome back
DTH Money
Available Balance
₹24,500
AEPS Linked Account
Verify with Aadhaar
Place your finger on scanner
Banks Integrated
Transactions Processed
Retail Agents
Transaction Success
Enabling Secure & Convenient Banking for All
The fintech space in India faces unique challenges: delivering a secure, cardless banking experience with robust biometric verification; providing seamless access to essential banking services for millions without traditional bank accounts; integrating with biometric devices from multiple manufacturers; and creating an intuitive experience that makes financial transactions effortless for first-time users.
Biometric Device Integration
Ensuring seamless integration with multiple fingerprint scanner manufacturers and models used across the agent network
Multi-Bank Connectivity
Building reliable connections to 15+ banks through NPCI's AEPS gateway with real-time transaction processing
Offline Capability
Designing architecture that works in areas with intermittent network connectivity while maintaining security
User Experience for All
Creating an intuitive interface for first-time smartphone users, many with limited digital literacy
Empowering Financial Inclusion
DTH Money transforms local retail outlets into mini banks, extending essential financial services to communities that need them most.
Built native Android app with robust Aadhaar biometric SDK integration for secure fingerprint authentication
Implemented multi-bank AEPS integration supporting 15+ major Indian banks through NPCI gateway
Created intuitive UI/UX designed for first-time smartphone users with vernacular language support
Developed real-time transaction verification with instant balance updates and receipt generation
Built agent management system for retail outlet onboarding and commission tracking
Implemented offline-capable architecture for areas with poor network connectivity
Secure, Cardless Banking
Cash Withdrawal
Withdraw cash from Aadhaar-linked accounts
Balance Enquiry
Check balance across multiple banks
Mini Statement
View recent transaction history
Secure Auth
Biometric fingerprint verification
Multi-Bank
Support for 15+ bank accounts
Agent Network
Retail outlets as mini ATMs
Impact & Results
Banks Integrated
Transactions Processed
Retail Agents
Transaction Success
Financial Inclusion
Enabled banking access for thousands of unbanked individuals through local retail outlets
Agent Empowerment
Created a sustainable income source for 5000+ retail agents earning commission on transactions
Transaction Reliability
Achieved 99.9% transaction success rate with robust error handling and retry mechanisms