Retail Banking

User Guide
User Guide Retail Banking

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without the prior written permission of Techurate.

Version Document Name Date

4.0.3 Retail Banking User Guide 8th Nov 2022

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User Guide Retail Banking

Table of Contents

1. OVERVIEW 4

2. INTRODUCTION TO RETAIL BANKING 4

3. GETTING STARTED 4

3.1 USER REGISTRATION 4

3.1.1 Login 4
3.1.2 Register with us 7
3.1.3 Existing Customer 7
3.1.4 Forgot Password 10
3.1.5 Forgot Username 12
3.2 HOME PAGE 14
3.2.1 Notifications 15
3.3 SETTINGS 16
3.3.1 View Profile 16
3.3.2 Change Password 17
3.3.3 Logout 18

4. DASHBOARD 18

4.1 ACCOUNTS 18
4.1.1 Statements 22
4.1.1.1 Detailed Statement 24
4.1.2 Payments 25
4.1.2.1 Pay Bills 26
4.1.2.2 Add Biller Beneficiary 29
4.1.2.3 View Biller 31
4.1.2.4 View Scheduled Payments 32
4.1.3 Quick Transfer 34
4.1.3.1 Instant transfer 34
4.1.4 Transfer to Beneficiary 37
4.1.4.1 Add New Beneficiary 37
4.1.4.1.1 Internal Beneficiary 37
4.1.4.2 Within Banks 40
4.1.4.3 My Accounts 43
4.1.5 Deposits 47
4.1.6 Cardless Cash 48
4.2 PORTFOLIO 53

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User Guide Retail Banking

4.3 TRANSFERS 53
4.3.1 Add Beneficiary 53
4.3.2 Quick Transfer 53
4.3.3 Transfer to Beneficiary 53
4.3.4 Repeat Transfer 53
4.3.5 Manage Beneficiaries 57
4.3.5.1 Within Bank 57
4.3.6 View Scheduled Transfers 61
4.4 PAYMENT 61
4.5 DEPOSITS 61
4.6 LOANS 61
4.6.1 Exchange Rates 65
4.7 OTHER SERVICES 66
4.7.1 Request 66
4.7.1.1 Cheque 66
4.7.1.1.1 Cheque Book 66
4.7.1.1.2 Stop Cheque 68
4.7.1.1.3 Cheque Status 71
4.7.1.2 SI 73
4.7.1.2.1 Create Standing Instructions 74
4.7.1.3 Debit Card 78
4.7.1.3.1 Request Card 78
4.7.2 Link Account 80
4.7.3 De-link Account 82
4.7.4 Set Account Nick Name 84
4.7.5 Download Center 85
4.7.5.1 Download Receipts 85
4.7.6 Support Center 86
4.7.6.1 Locate Us 86
4.7.6.2 FAQ 87
4.7.6.3 Suggestions 88
4.7.6.4 Contact Us 89
4.7.6.5 About Us 90
4.7.7 Terms and Conditions 90
4.7.8 Offers 91

5. TECHNICAL SPECIFICATIONS 92

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User Guide Retail Banking

1. Overview
This User Guide elucidates the functional operations of the Retail Banking modules by
providing the detailed step-by-step description along with the user interface screenshots. It
also consists of the user login steps to navigate to the various modules.

2. Introduction to Retail Banking

Banking services include standard modules such as quick transfers, bill payments, alerts,
statements and inquiries, deposits and loans calculators, exchange rates, and other value-
added services. PDF-formatted receipts can be downloaded from the module. The users can
also locate the branch and ATM using the locate us attribute.

3. Getting Started
The existing customer and the new customer may connect to the Retail Banking product via
the website Link.

3.1 User Registration

To utilize the retail banking modules and their features, the user must register to the
application by providing the required basic details.

The Users can also download the application from the play stores like the Apple Store or the
Google play store.

Figure 1 - Download Applications Options

3.1.1 Login
§ Enter the registered name and password in the respective Username and Password text
fields

§ Click on icon to view the entered password

§ Click on the Login button to navigate to the Home page

Note: Fields Marked with *(Asterisk) are mandatory

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Sl No. Fields Description Alerts

1 Username Alphanumeric, 40 characters Username is required.
2 Password Alphanumeric, Min 8 -Max 14 characters Password is required.

Figure 2 – Login Page

§ If the user is not able to enter the details using their keyboard, Click on icon which
displays the keyboard option to type the details into the Username and Password text
fields
§ Click on the Submit button to accept the entered details in the text field
§ Click on the Clear button to erase/remove the entered text in the text field
§ Click on the Close button to shut down the keyboard option

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User Guide Retail Banking

Figure 3 – Keyboard Option

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 4 - OTP Login

Note: The user can also change the language of the UI screen by selecting the option from
the drop-down list as shown in the figure below.

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Figure 5 - Language Change Option

3.1.2 Register with us
The first-time users must register to the application by following the steps mentioned
below.
§ Click on the Register with us link as mentioned in the figure 2

Figure 6 - Register with us

3.1.3 Existing Customer
§ Navigate through Login > Register with Us > Existing Customer
§ Enter the Account Number, Mobile Number in the respective text fields
§ Enter the Date of Birth manually or select the Date of Birth from the calendar
§ Select the Identity Type from the drop-down list
§ Upon selection of the Identity Type, Enter the Identity Number in the text field
§ Click on the Terms and Conditions link to go through the T&C and the click on the
checkbox to agree the T&C
§ Click on the Signup button to navigate to the next page
§ Click on the Back button to revert to the previous page

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User Guide Retail Banking

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Account No. Numeric, 13 digits Account No. is required.
2 Mobile No. Numeric, 9-12 digits Mobile No. is required.
3 Identity No. Numeric, 12 digits Passport No. is required.

Figure 7 - Existing Customer

§ Enter the Username in the text field

§ Enter the Password and re-enter the password in the Confirm Password text fields

§ Click on the icon to view the entered password

§ Enter the OTP received to the registered mobile number in the text field
§ Click on the Continue button to navigate to the next page
§ Click on the Back button to revert to the previous page

Note: The Password Criteria to be followed have been displayed.

Minimum Password Length : 8
Minimum Numerics : 1
Minimum Special Characters : 1
Minimum Alphabets : 2
Maximum Password Length : 16

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Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
Alphanumeric, Min 8 – Max 16
1 New Password Password is required.
characters
Alphanumeric, Min 8 – Max 16
2 Confirm Password Password do not match.
characters
3 OTP Numeric, 4 digits OTP is required.

Figure 8 – Register with Us page

An account creation message will be displayed upon completing the above-mentioned steps
as shown in the figure – 9.
§ Click on the Login button to revert to the login page

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Figure 9 - Account Creation Success Message

3.1.4 Forgot Password
If the user does not remember the password, they can click on the Forgot Password? link
and change the password.

§ Click on the Forgot Password? link on the login page to change the password as shown
in figure -2
§ Enter the Account Number, User Name, Mobile Number (without Country Code) in
the respective text fields
§ Select the Date of Birth from the calendar or enter the Date of Birth manually
§ Click on the Terms and Conditions link to go through the T&C and the click on the
accept button to agree the T&C
§ Click on Submit button to accept the entered details
§ Click on the Back button to revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Account Number Numeric, 13 Digits Account No. is required.
2 Username Alphanumeric, 50 characters Alphanumeric only.
3 Mobile Number Numeric, 9-12 digits Mobile No. is required.

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Figure 10 - Forgot Password

§ Enter the New Password and re-enter the password in the Confirm Password text fields

§ Click on the icon to view the entered password

§ Enter the OTP received to the registered mobile number
§ Click on Submit button to accept the entered details
§ Click on the Back button to revert to the previous page

Note: The Password Criteria to be followed have been displayed.

Minimum Password Length : 8
Minimum Numerics : 1
Minimum Special Characters : 1
Minimum Alphabets : 2
Maximum Password Length : 16

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
Alphanumeric, Min 8 - Max 16
1 New Password New Password is required.
characters
Alphanumeric, Min 8 - Max 16
2 Confirm Password Password do not match.
characters
3 OTP Numeric, 4 digits OTP is required.

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Figure 11 - Forgot Password Details

§ A successful message is displayed upon changing the old password as shown in figure
below
§ Click on the Done button to revert to the Home Page

Figure 12 - Password Changed Success Message

3.1.5 Forgot Username
If the user forgets the username, they can click on the Forgot Username? link and change
their username.

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User Guide Retail Banking

§ Click on the Forgot Username? link on the home page to change the username as shown
in figure - 2
§ Enter the Account Number, Mobile Number in the respective text fields
§ Select the Date of Birth from the calendar or enter the Date of Birth manually
§ Select the Identity Type from the drop-down list
§ Based on Identity Type selection, Enter the Identity Number in the text field
§ Click on the Terms and Conditions link to go through the T&C and the click on the
accept button to agree the T&C
§ Click on Submit button to accept the entered details
§ Click on the Back button to revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Account Number Numeric, 13 digits Account No. is required.
2 Mobile Number Numeric, 9-12 digits Mobile No. is required.
3 Identity Number Numeric, 12 digits Identity No. is required.

Figure 13 - Forgot Username

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on Submit button to accept the entered details
§ Click on the Cancel button to discard the action

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Figure 14 – Change Username OTP

§ A message for successfully changing the username is displayed

§ Click on the Login button to return to the home page

Figure 15 - Username updated Success Message

3.2 Home Page
The home page appears after the user registration is completed and it displays the details of
the user, promotional offers, user picture, last login date, and timings. It consists of the
following modules as

1. Accounts
2. Portfolio

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3. Transfers
4. Payments
5. Deposits
6. Loans
7. Exchange Rates
8. Other Services

3.2.1 Notifications
The home page also displays the notification sent by the bank to the users.

§ Click on icon as shown in figure - 17 to view the notifications displayed/sent by

the bank to the users

Figure 16 - Dashboard Page

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3.3 Settings

The settings consist of the following features such as

3.3.1 View Profile

§ Click on icon to revert to the previous page

§ Click on option to revert to the previous Dashboard page

§ Click on icon and click on the Profile link to view the logged in user information
§ Click on Upload New Photo link to upload the new picture from the user’s device

§ Click on icon to remove the profile picture

Figure 17 - Profile Details

§ A pop-up message is displayed, Are you sure you want to delete your image?
§ Click on the Yes button to delete the image

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§ Click on the No button to discard the action

Figure 18 - Delete Picture pop-up Message

3.3.2 Change Password
The user can also change the password after login by following the steps below

§ Click on the settings icon and click on the Change Password link
§ Enter the Old Password in the text field
§ Enter the New Password and re-enter the password in the Confirm New Password in
the text fields
§ Click on the Submit button to accept the details

Note: The Password criteria have been displayed as

Minimum Password Length : 8
Minimum Numerics : 1
Minimum Special Character : 1
Minimum Alphabets : 2
Maximum Password Length : 16
Sl No. Fields Description Alerts
Alphanumeric, Min 8 - Max 16
1 Old Password Old Password is required.
characters
Alphanumeric, Min 8 - Max 16
2 New Password Password is required.
characters
Confirm New Alphanumeric, Min 8 - Max 16
3 Password do not match.
Password characters

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Figure 19 - Change Password

3.3.3 Logout

§ Click on the settings icon and click on the Logout link

§ A popup message is displayed, Are you sure you want to logout?
§ Click on the Yes button to log out of the application
§ Click on the Cancel button to discard the action

Figure 20 - Logout pop-up Message

4. Dashboard
4.1 Accounts
§ Navigate through Dashboard > Accounts

§ Click on icon to revert to the previous page

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§ Click on option to revert to the home page

§ Click on the addition icon to Open a new account

Figure 21 – Accounts Dashboard

§ Select the Account Class from the dropdown list

§ Select the account from the Funding Account No. dropdown list which displays the
available accounts associated with the logged-in user
§ Click on the Submit button to accept the account creation
§ Click on the Back button to revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

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Figure 22 - Open New Account

§ A confirmation message is displayed regarding the account creation

§ Click on the Confirm button to accept the account creation
§ Click on the Back button to revert to the previous page

Figure 23 - Account Opening Details

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§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on Submit button to accept the entered OTP
§ Click on Cancel to discard the action and return to previous page to make changes

Figure 24 - Account Opening OTP

§ A confirmation message regarding the account creation will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 25 - Open Account Success Message

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4.1.1 Statements
The user can view and download the statements from this feature. The left pane shows the
user's available balance as well as the other available account balances associated with the
same user.

§ Navigate through Dashboard > Accounts > Statement

§ Click on the accounts tab in the left pane to view the account details as shown in the
figure below

Figure 26 - Account Details Sidebar

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Figure 27 – Statement Dashboard

§ Click on the required statement to view the detailed transaction

The statement displays the Reference Number [ Ref No.] of the current transaction, Currency
type, Amount debited or credited, Transaction Type Description [ Txn Type Desc],
Transaction Date, Debit or Credit type, Remark

Figure 28 - Statement Description

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4.1.1.1 Detailed Statement

It gives the detailed transaction statement of the logged in user for the selected period by
downloading the document.

§ Click on the on top of the screen

Note: The user can view different options in the detailed statement such as,

1. Current Month
1. Last 2 Months
2. Last 3 Months
3. Custom Dates
§ Click on the Current Month tab to display the present month statements
§ Click on the Last 2 Months tab to display the detailed statement for the previous 2
months
§ Click on the Last 3 Months tab to display the detailed statement for the previous 3
months
§ Click on the Custom Dates to select the required dates from the calendar to display
the detailed statement of the user

Figure 29 - Detailed Statement Options

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§ Select the required option as mentioned above to view the details of the statement
§ Click on the required record to view the details of the statement
§ Click on the Download Statement button to save the document to the user’s device in
the PDF format

Figure 30 - Detailed Statement Download

4.1.2 Payments
The left pane shows the user's available balance as well as the other available accounts
balances associated with the same user/logged in user.

§ Navigate through Dashboard > Accounts > Payments

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User Guide Retail Banking

Figure 31 - Payments Dashboard

4.1.2.1 Pay Bills
This feature enables the user to make bill payments from their accounts such as Prepaid
mobile top-up, electricity bills, DTH/Cable bills, School Pay, Subscriptions, Insurance,
etc…

§ Navigate through Dashboard > Accounts > Payments> Pay Bills

§ Select the Product from the dropdown list
§ Select the Mobile Number from the dropdown list
§ Enter the Amount in the text field
§ Select the option, if the user needs to schedule the payment for the future or on the
present date from the Schedule Payment dropdown list
1. Select Yes option if the payment must be made in future
2. Enter the date manually or select the date from the calendar for when the payment
must be made from the Schedule Date text field
3. Select No option if the payment must be made on the same date
§ Enter the Remarks regarding the payment in the text field
§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

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Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
Mobile Numeric, 9 – 12 Enter a Valid Number (Should be 9 digits &
1
Number digits Should start with 97/77).
2 Amount Numeric, 10 digits Amount is required.
3 Remarks Alphanumeric Remark is required.

Figure 32 – Pay Bill Cashin

§ Click on the Terms and Conditions link to go through the T&C and then click on the
Accept button to agree the T&C
§ Click on the Confirm button to accept the entered details
§ Click on the Back button to revert and make changes

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Figure 33 – Pay Bill Details

§ A success message will be displayed upon paying the bill

§ Click on the Done button to return to payment dashboard

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Figure 34 – Pay Bills Success Message

4.1.2.2 Add Biller Beneficiary

The user can make the biller as beneficiary for the future payments

§ Navigate through Dashboard > Accounts > Payments> Add Biller Beneficiary
§ Select the service from the Select Service drop-down list
§ Upon Service selection, Enter the Service Number in the text field

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§ Enter the Short Name of the beneficiary in the text field

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Service Number Numeric Service No. is required.
2 Short Name Alphanumeric Short Name is required.

Figure 35 - Add Biller

§ A success message will be displayed upon adding a biller

§ Click on the Done button to view the added beneficiary

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Figure 36 - Add biller Beneficiary Success Message

4.1.2.3 View Biller
It displays the billers added in the Add Biller attribute. It displays the details such as Short
Name, Merchant, Meter Number or PRN Number.

§ Navigate through Dashboard > Accounts > Payments> View Biller

§ Click on link to remove the added biller beneficiary

Figure 37 - View Biller

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§ A pop-up message is displayed Are you Sure to Delete Beneficiary?

§ Click on Confirm button to remove the biller
§ Click on Cancel button to discard the action

Figure 38 - Delete Biller pop-up Message

4.1.2.4 View Scheduled Payments
The scheduled payments can be viewed here

§ Navigate through Dashboard > Accounts > Payments> View Scheduled Payments
§ Click on the required record to view the scheduled payment details

Figure 39 - Scheduled Payment

§ Click on the Cancel button to remove the scheduled payment record

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

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§ Click on Submit button to accept the entered OTP

§ Click on Cancel to discard the action

Figure 40 - Schedule Payment OTP

§ A success message will be displayed upon removing the biller

§ Click on the Done button to revert to home page

Figure 41 – Schedule Payment Success Message

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4.1.3 Quick Transfer

4.1.3.1 Instant transfer
§ Navigate through Dashboard > Accounts > Quick Transfer > Instant Transfer
§ Select the Transfer Type from the drop-down list
§ Enter the Account Number and re-enter the account number in the Confirm Account
Number text field
§ Enter the amount to be transferred in the Amount text field
§ Select the Remarks from the dropdown list

Note: Select the Custom remark from the dropdown list and enter the remarks in the Custom
Remarks text field

§ Select the Add Beneficiary check box if to add the entered user as a beneficiary
§ Click on the Submit button to navigate to the next page
§ Click on the Cancel button to discard the action

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Account Number Numeric, 13 digits Account No. is required.
Confirm Account
2 Numeric, 13 digits Account No. does not match.
Number
3 Amount Numeric, 10 digits Amount is required.

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Figure 42 - Instant Transfer

§ Click on the Terms and Conditions link to go through the conditions and click the
on the Accept button to agree T&C
§ Click on the Confirm button to submit the instant transfer
§ Click on the Back button to revert to the previous page or to make any changes

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Figure 43 - Instant Transfer Details

§ A message will be displayed upon the transfer of amount.

§ Click on the Done button to revert to the Quick Transfer page

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Figure 44 - Transfer Success Message

4.1.4 Transfer to Beneficiary

This feature can be used to transfer the amount within the banks, Domestic, International,
and within the logged-in user accounts.

4.1.4.1 Add New Beneficiary

§ Click on Add New to add a new beneficiary

4.1.4.1.1 Internal Beneficiary

§ Navigate through Dashboard > Accounts > Transfer to Beneficiary > Add
Beneficiary > Internal Beneficiary
§ Enter the NickName of the user in the text field
§ Enter the Account Number and re-enter the account number in the Confirm Account
Number in the text field
§ Enter the cash limit to be transferred for the beneficiary in the Transfer Limit text
field
§ Click on the Submit button to navigate to the next page
§ Click on the Cancel button to discard the action

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Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Account Number Numeric, 13 digits Account No. is required.
Confirm Account
2 Numeric, 13 digits Account No. does not match.
Number
3 Transfer Limit Numeric, 10 digits Transfer Limit is required.

Figure 45 – Addition of Internal Beneficiary

§ Click on the Terms and Conditions link to go through the conditions and click on
the Accept button to agree the T&C
§ Click on the Submit button to complete the addition of internal beneficiary
§ Click on the Back button to revert to the previous page or to make any changes

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Figure 46 – Beneficiary Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 47 – Adding Beneficiary OTP

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§ A confirmation message regarding the internal beneficiary addition will be displayed

§ Click on the Done button to complete the action and return to the transfer dashboard

Figure 48 – Addition of Beneficiary Success Message

4.1.4.2 Within Banks
The logged-in user can transfer the preferred amount within the Banks. A user can send
the amount from one bank account to another bank account.

§ Navigate through Dashboard > Accounts > Transfer to Beneficiary > Within Banks

§ Drag and drop the registered beneficiary box to the icon to transfer or click
on the required beneficiary name to transfer
It displays the details of the beneficiary account and the source [logged in user] account.

§ Enter the amount to be transferred to the beneficiary in the Transfer amount text field
§ Select the currency type required to transfer the amount from the Currency drop-
down list
§ Select the option, if the user needs to schedule the payment for the future or on the
present date from the Schedule Payment dropdown list

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1. Select Yes option if the payment must be made in future

2. Enter the date manually or select the date from the calendar for when the payment
must be made from the Schedule Date text field
3. Select No option if the payment must be made on the same date
§ Select the Remarks from the dropdown list

Note: Select the Custom remark from the dropdown list and enter the remarks in the Custom
Remarks text field

§ Click on the Submit button to navigate to the next page

§ Click on the Cancel button to revert to the Transfer page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Transfer Amount Numeric, 10 digits Transfer Amount is required.

Figure 49 - Within Banks

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§ Click on the Terms and Conditions link to go through the T&C and then click on the
Accept button to agree the T&C
§ Click on the Confirm button to accept the entered details
§ Click on the Back button to revert to the previous page or to make changes

Figure 50 – Internal Beneficiary Details

§ A confirmation message regarding the amount transfer will be displayed

§ Click on the Done button to complete the action and return to the dashboard

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Figure 51 – Internal Beneficiary Transfer Success Message

4.1.4.3 My Accounts
§ Navigate through Dashboard > Accounts > Transfer to Beneficiary > My Accounts

§ Drag and drop the registered Account Number box to the icon to transfer
or click on the required beneficiary name to transfer

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Figure 52 – My Accounts

It displays the details of the beneficiary account and the source [logged in user] account.

§ Enter the amount to be transferred in the Transfer amount text field

§ Select the Currency from the drop-down list
§ Select the Remarks from the dropdown list

Note: Select the Custom remark from the dropdown list and enter the remarks in the Custom
Remarks text field

§ Click on the Submit button to navigate to the next page

§ Click on the Cancel button to revert to the My Accounts Transfer page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Transfer Amount Numeric, 10 digits Transfer Amount is required.

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Figure 53 - My Accounts Transfer

It displays the details such as Transfer Amount, Transaction Currency, Remarks

§ Click on the Terms and Conditions link to go through the conditions and click on the
Accept button to agree T&C
§ Click on the Submit button to accept the entered details
§ Click on the Back button to revert to the previous page to make any changes

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Figure 54 - My Accounts Transfer Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 55 - My Accounts Transfer OTP

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§ A confirmation message regarding the amount transfer will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 56 - My Accounts Transfer Success Message

4.1.5 Deposits
It displays the amount deposited to the account.

§ Navigate through Dashboard > Account > Deposits

§ Click on the required record to view the details

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Figure 57 - Deposits Dashboard

4.1.6 Cardless Cash
§ Navigate through Dashboard > Account > Cardless Cash
§ Select the Status from the drop-down list and click on the Search button to display
the record

Note: The drop-down list displays the following options for the records to display
1. Pending
2. Accepted
3. Reversed
4. Cancelled
5. Expired

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Figure 58 - Cardless Cash

§ Click on the Generate Token to create a new token

§ Enter the Receivers Mobile Number in the text field
§ Enter the Amount in the text field
§ Enter the Validity (In HRS) of the Token in Hours in the text field
§ Enter the Remarks in the text field
§ Click on the Submit button to accept the entered details
§ Click on the Back button to revert to the previous page

Sl No. Fields Description Alerts

Receivers Mobile Receivers mobile no. is
1 Numeric, 10 digits
Number required.
2 Amount Numeric, 10 digits Amount is required.
3 Validity (Hrs.) Numeric Validity is required.
4 Remarks Alphanumeric Remarks is required.

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Figure 59 - Token Generation

§ Click on the Terms and Conditions link to go through the conditions and click on the
Accept button to agree the T&C
§ Click on the Confirm button to accept the entered details
§ Click on the Back button to revert to the previous page or to make any changes

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Figure 60 – Token Generation Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

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Figure 61 - Token Generation OTP

§ A confirmation message regarding the token generation will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 62 - Token Generation Success Message

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4.2 Portfolio
This feature displays the Assets and Liabilities of the logged-in user. Assets display the
number of Savings Accounts, Current Accounts, Term Deposit Accounts, and their balances.
Liabilities displays the Loan Account and its balance.

Figure 63 – Portfolio
4.3 Transfers
It consists of the attributes such as

4.3.1 Add Beneficiary

Refer 4.1.4.1 Add Beneficiary

4.3.2 Quick Transfer

Refer 4.1.3 Quick Transfer

4.3.3 Transfer to Beneficiary

Refer 4.1.4 Beneficiary Transfer

4.3.4 Repeat Transfer

The user can use this feature to send the amount to the same person to whom they had sent
earlier.

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§ Navigate through Dashboard > Transfers > Repeat Transfer

§ Click on link to transfer the amount to the same person/account

Figure 64 – Repeat Transfer Dashboard

§ The previously sent amount is auto-populated, Enter the required amount to transfer in
the Transfer Amount text field
§ Select the Remarks from the dropdown list

Note: Select the Custom remark from the dropdown list and enter the remarks in the Custom
Remarks text field

§ Click on the Submit button to navigate to the next page

§ Click on the Back button to revert to the Services page

Note: Fields Marked with *(Asterisk) are mandatory

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Figure 65 - Repeat Transfer Amount

It displays the entered details as shown in the figure below.

§ Click on the Terms and Conditions link to go through the conditions and click on the
Accept button to agree the T&C
§ Click on the Submit button to submit the Payment
§ Click on the Back button to revert to the previous page or to make any changes

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Figure 66 - Repeat Transfer Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 67 - Repeat Transfer OTP

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§ A confirmation message regarding the transfer will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 68 - Repeat Transfer Success Message

4.3.5 Manage Beneficiaries

4.3.5.1 Within Bank
§ Click on the required registered name to modify the Beneficiary details
§ Click on the Make a Payment button to transfer the amount to the registered
beneficiaries

Note: Refer 4.1.4.1 Add Beneficiary to make a payment

Figure 69 - Edit Beneficiary

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§ Click on the Edit Beneficiary button to modify the beneficiary details

§ Click on Modify Beneficiary Image to update the image of the user
§ Click on Modify Beneficiary button to modify the details
§ Click on Delete Beneficiary button to delete the registered beneficiary
§ Click on the Cancel button to discard the action

Figure 70 - Modify Beneficiary Profile

§ Update the nick name of the beneficiary in the Nickname text field
§ Update the Transfer Limit in the text field
§ Click on the Submit button to accept the updated details
§ Click on the Back button to revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Nickname Alphanumeric Nickname is required.
2 Transfer Limit Numeric, 10 digits Transfer Limit is required.

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Figure 71 - Modify Beneficiary

Figure 72 - Modify Beneficiary Details

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§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Submit button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 73 - Modify Beneficiary OTP

§ A confirmation message regarding the beneficiary modification will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 74 - Beneficiary Modification Success Message

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4.3.6 View Scheduled Transfers

§ Navigate through Dashboard > Transfers > View Scheduled Transfers
§ Click on the required record to view the detailed transfer details

Figure 75 - Download Transfer Receipt

4.4 Payment
Refer 4.1.2 Payment

4.5 Deposits
Refer 4.1.5 Deposits

4.6 Loans
This feature displays the dashboard of the loan accounts.
§ Navigate through Dashboard > Loans
§ Click on the required record to view the basic details and statement details

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Figure 76 - Loan Basic Details

Figure 77 - Loan Statement Details

§ Click on Apply loan link to take new loan

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§ Enter the required Loan Amount in the text field

§ Select the Purpose of the Loan from the drop-down list
§ Select the payment type required from the Monthly or Yearly from the drop-down list
§ Enter the Tenure in the text field
§ Select the Source of Income to pay the loan, Currency type, Income Range from the
drop-down list
§ Click on the Submit button to navigate to the next page
§ Click on the Cancel button to discard the action and revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Loan Amount Numeric Loan amount is required.
2 Tenure Numeric Tenure is required.

Figure 78 – Make Loan Payment

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§ Click on the Terms and Conditions link to go through the conditions and click on the
Accept button to agree T&C
§ Click on the Confirm button to submit the make payment
§ Click on the Back button to revert to the previous page or to make any changes

Figure 79 - Make Loan Payment Details

§ A confirmation message regarding the loan will be displayed

§ Click on the Done button to complete the action and return to the dashboard

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Figure 80 - Make Loan Payment Success Message

4.6.1 Exchange Rates

It shows the price of the currency of a country compared to the currency of another country.
Exchange rates can be fixed or floating. Floating rates are updated regularly.

§ Click on the Back button to revert to the Home page

Figure 81 - Exchange Rates

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4.7 Other Services

It consists of the attributes such as

4.7.1 Request
The user can make the request for the cheque books and the Standing Instructions from
the bank.
4.7.1.1 Cheque
4.7.1.1.1 Cheque Book
§ Navigate through Dashboard > Other Services > Requests > Cheque > Cheque
Book
§ Select the Pick-Up Branch from the drop-down List
§ Select the Number of Leaves, Number of Books required for the chequebook from
the drop-down list
§ Click on the Submit button to accept the details
§ Click on the Cancel button to discard the action

Note: Fields Marked with *(Asterisk) are mandatory

Figure 82 - Cheque Book Request Entry

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§ The entered details are displayed

§ Click on the Confirm button to accept the chequebook request
§ Click on the Back button to revert to the previous page

Figure 83 - Cheque Book Request Details

§ A confirmation message regarding the cheque book request will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 84 - Cheque Book Request Success Message

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4.7.1.1.2 Stop Cheque

§ Navigate through Dashboard > Other Services > Requests > Cheque > Stop
Cheque
§ Select the applicable option of Individual Cheque or Range of Cheque
§ Enter the Cheque Number in the text field
§ Select the Reason to apply for the chequebook, from the drop-down List
§ Select the Effective Date from the calendar or enter the dates manually
§ Enter the Remarks in the text field
§ Click on the Submit button to accept the details
§ Click on the Cancel button to discard the action

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Cheque Number Numeric, Min 6 - Max 10 digits Cheque No. is required.
2 Remarks Alphanumeric Remarks is required.

Figure 85 - Stop Cheque

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§ Click on the Confirm button to stop the cheque book request

§ Click on the Back button to revert to the previous page

Figure 86 – Stop Cheque Request Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

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Figure 87 - Stop Cheque Request OTP

§ A confirmation message regarding the stop cheque request will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 88 - Stop Cheque Request Success Message

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4.7.1.1.3 Cheque Status

§ Navigate through Dashboard > Other Services > Requests > Cheque > Cheque
Status
§ Enter the Cheque Number in the text field
§ Click on the Submit button to accept the details
§ Click on the Cancel button to discard the action

Note: Fields Marked with *(Asterisk) are mandatory

Sl No. Fields Description Alerts
1 Cheque No. Numeric, min 6 – max 10 digits Cheque No. is required.

Figure 89 - Cheque Status

§ Click on the Confirm button to view the chequebook Status

§ Click on the Back button to revert to the previous page

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Figure 90 -Cheque Status Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 91 - Cheque Status OTP

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§ A confirmation message regarding the status of the cheque will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 92 - Cheque Status Success Message

4.7.1.2 SI
§ Navigate through Dashboard > Other Services > Requests > SI

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Figure 93 – SI
4.7.1.2.1 Create Standing Instructions
§ Click on Create SI link to create the Standing Instructions
§ Select the Request Type from the drop-down list
§ Enter the Credit Card Number in the text field
§ Select the Start Date and End Date from the calendar of the Credit Card
§ Click on the Month End checkbox for the Standing Instructions validity
§ In case month end checkbox is not selected, Enter the Date or Months or Years in the
text field
§ Enter the amount to create the SI in the Amount text field
§ Enter the Remarks regarding the SI creation in the text field
§ Click on the Submit button to navigate to the next page
§ Click on the Cancel button to revert to the previous page

Note: Fields Marked with *(Asterisk) are mandatory

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Sl No. Fields Description Alerts

Credit Account
1 Numeric Credit Account No. is required.
Number
2 Days, Months, Years Numeric Days, Months and Years is required.
3 Amount Numeric Amount is required.
4 Remarks Alphanumeric Remarks is required.

Figure 94 - SI Creation

§ Click on the Terms and Conditions link to go through the conditions and click on
the Accept button to agree the T&C
§ Click on the Confirm button to submit the SI creation

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§ Click on the Back button to revert to the previous page or to make any changes

Figure 95 - SI Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

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Figure 96 - SI OTP

§ A confirmation message regarding the SI creation will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 97 - SI Creation Success Message

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4.7.1.3 Debit Card

4.7.1.3.1 Request Card
§ Navigate through Dashboard > Other Services > Request > Debit Card > Request
Card
§ Select the Branch or Address radio button
§ Select the Account No., Card Product, Branch Name, Request Type from the drop-
down list

Note: Upon Account No. selection the Branch Name is auto populated
§ Click on the Submit button to accept the entered details
§ Click on the Back button to revert to previous page

Note: Fields Marked with *(Asterisk) are mandatory

Figure 98 - Request Card

§ Click on the Terms and Conditions link to go through the conditions and click on
the Accept button to agree the T&C
§ Click on the Confirm button to submit the SI creation
§ Click on the Back button to revert to the previous page to make any changes

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Figure 99 - Request Card Details

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 100 - Request Card OTP

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§ A confirmation message regarding the card request will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 101 - Request Card Success Message

4.7.2 Link Account
§ Navigate through Dashboard > Other Services > Link Account
§ Enter the Account Number to be linked to the logged-in user account in the text field
§ Click on the Submit button to navigate to the next page

Figure 102 - Link Account

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§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

Figure 103 - Link Account OTP

§ A confirmation message regarding the account linking will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 104 - Link Account Success Message

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4.7.3 De-link Account

§ Navigate through Dashboard > Other Services > De-Link Account
§ Select the Account Number to be delinked from the drop-down list
§ Click on the Submit button to navigate to the next page

Figure 105 - Delink Account

§ Enter the 4-digit OTP received to the registered mobile number/Email ID

§ Click on the Confirm button to accept the entered details
§ Click on the Cancel button to discard the action

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Figure 106 - Delink Account OTP

§ A confirmation message regarding the account delinking will be displayed

§ Click on the Done button to complete the action and return to the dashboard

Figure 107 - Delink Account Success Message

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4.7.4 Set Account Nick Name

§ Navigate through Dashboard > Other Services > Set Account Nick Name
§ Select the Account Number to add a nickname for the account from the drop-down
list
§ Enter the preferred Short Name in the text field
§ Click on the Submit button to navigate to the next page
§ Click on the Cancel button to discard the action

Figure 108 – Set Account Nick Name

§ A confirmation message regarding setting the account nickname will be displayed

§ Click on the Done button to complete the action and return to the dashboard

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Figure 109 - Set Account Nick Name Success Message

4.7.5 Download Center

It consists of the attributes such as

4.7.5.1 Download Receipts

§ Navigate through Dashboard > Other Services > Download Center > Download
Receipts
§ Select the From Date and To Date from the Calendar or enter the dates manually
§ Click on the Search button to display the receipts for the selected dates
§ Click on the required record to view the details
§ Click on the transfer tab to view the record and click on the payments tab to view the
payments records

§ Click on button to download the receipts in the PDF format

Note: Fields Marked with *(Asterisk) are mandatory

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Figure 110 - Download Center

4.7.6 Support Center
It consists of the attributes such as

4.7.6.1 Locate Us
It shows the location or position of a branch and ATM.

§ Select the Branch, ATM location from the Choose from the below options drop-
down list

§ Click icon to zoom in to the map view

§ Click icon to zoom out of the map view

§ Click on icon to view the map in a full-page mode

§ Click on Keyboard Shortcuts to view the shortcuts needed to navigate across the
map
§ Click on the Back button to revert to the Home page

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Figure 111 - Branch, ATM Locations

4.7.6.2 FAQ
It displays a series of answered questions.

Figure 112 – FAQ

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4.7.6.3 Suggestions
The user can provide the Product Related, Service Related, Staff Related, Dispute Related,
Others.

§ Navigate through Dashboard > Other Services > Support Center > Suggestions
§ Select the feedback category from the Select Feedback Category drop-down list
§ Enter the description in the Write your Feedback box
§ Click on Submit button to accept the details entered
Sl No. Fields Description Alerts
1 Write your feedback Alphanumeric Feedback is required.

Figure 113 - Suggestion

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Figure 114 - Feedback/Suggestion Success Message

4.7.6.4 Contact Us
The Contact details and the Email Address of the bank have been provided.

Figure 115 - Contact Us

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4.7.6.5 About Us
The details regarding the bank have been provided as mentioned in the figure below.

Figure 116 - About Us

4.7.7 Terms and Conditions
§ Navigate through Dashboard > Other Services > Terms and Conditions to read given
terms and conditions of the bank

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Figure 117 - Terms and Conditions

4.7.8 Offers
It displays the offers offered by the bank to the customer.

Figure 118 - Offers

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5. Technical Specifications
Abbreviation Description

OTP One Time Password

ISP Internet Service Provider
DTH Direct-to-Home
XLXS Excel Sheet Format
PDF Portable Document Format
NRC National Register of Citizens
ZRA Zambia Revenue Authority
TD Term Deposit
DDACC Direct Debit and Credit Clearing
RTGS Real Time Gross Settlement
Society for Worldwide Interbank Financial

SWIFT Telecommunications
SI Standing Instruction
PRN Permanent Registration Number

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