Kiosk software for banks and NBFCs
Branch tokens, EMI collection, bill payment and head-office visitor control, built as Windows applications that reconcile every rupee against the core system.
Bank kiosk software handles the customer interactions a branch would rather not push through a teller: taking a queue token, paying a loan instalment in cash, settling a utility bill, booking a slot with a relationship manager, or signing in as a visitor at a regional office. AtashiTech develops these as Windows applications that drive the cash, card and printing hardware in the lobby and post transactions to the core banking or loan management system behind the branch. For a bank or a non-banking finance company the relevant solutions are branch queue management and tokens, the collection kiosk for EMIs and dues, visitor management for offices and an ESS kiosk for branch staff. AtashiTech builds the software; the cash-handling enclosure comes from your hardware partner. The catalogue is on the solutions page, and other sectors are on the industries overview.
Branch and collection journeys that suit a kiosk
Lenders usually begin with collections because the cash is easy to count; banks usually begin with tokens because the queue is easy to see.
Tokens by service type
A customer chooses cash, account services, loans or lockers, collects a printed token or receives one by SMS or WhatsApp, and watches the counter boards. Senior citizens and appointment holders can be prioritised, and the branch manager sees waiting times and no-shows on a staff dashboard. The queue management kiosk routes across as many counters as the branch has.
EMI and loan repayment collection
For an NBFC with a walk-in collection culture, a lobby kiosk that takes cash, card or UPI against a loan account, prints a receipt, and reverses a failed transaction automatically removes a cash-handling job from the counter. Partial payments and multiple accounts are handled, and the end-of-day reconciliation report comes from the bill payment and collection kiosk.
Utility bills in the branch lobby
The same collection software is BBPS-ready, which lets a branch offer electricity, water, broadband and municipal payments to customers who came in for something else, with the biller settlement handled through the BBPS rails rather than through the bank's own books.
Appointment booking and slot check-in
Wealth, home-loan and business-banking conversations work better by appointment. The queue solution's slot booking lets a customer reserve a time on the kiosk or arrive with a booking and check in, so the relationship manager is told the customer is in the lobby rather than discovering it.
Visitor management at head and regional offices
Vendors, auditors and candidates arriving at a corporate office are photographed, have an identity document scanned, sign the visitor agreement and receive a badge, while the host is alerted and the entry is screened against a watchlist. This is the visitor management kiosk, and it also produces the evacuation list the facilities team needs.
Lead capture and document pre-scanning
A kiosk that reads an identity document, captures a photograph and collects the fields for an account-opening or loan enquiry hands the branch a pre-filled application rather than a blank form. This is not a packaged solution; it is a custom build under the kiosk application development service, scoped to the bank's own onboarding process.
What bank kiosk software has to get right
Money changes the rules. A checkout kiosk that loses a transaction annoys a shopper; a collection kiosk that loses one creates a dispute with a borrower.
Cash that is never counted twice
Token issuance carries on from local state when the branch link fails, and that is uncontroversial. Cash is different. The moment the acceptor stacks a note, the transaction must be recorded on the kiosk, posted once when connectivity returns, and reconciled against the acceptor's own count, with no path by which a retry produces a second credit. Card and UPI need a live connection, so the screen has to say plainly which payment methods are available right now instead of failing at the last step. AtashiTech's kiosk applications are designed around that store-and-forward discipline.
Peripherals, by category
- Cash: banknote acceptors and recyclers, coin acceptors, and change dispensing where the enclosure supports it.
- Card and digital: payment terminals for chip and contactless, on-screen UPI QR codes.
- Output: receipt printers for every transaction, token printers for the queue.
- Identity: ID-document readers for visitor and lead capture, fingerprint readers for staff and technician login.
- Display: counter boards fed by the queue application over the branch LAN.
Integrations behind the branch
The core banking system answers account lookups and takes postings; the loan management system holds EMI schedules and outstanding balances; BBPS carries third-party biller payments; a payment gateway or switch settles cards and UPI; an SMS gateway sends tokens and receipts; and the CRM receives leads. Staff and technician logins usually come from the bank's directory. AtashiTech's cloud, DevOps and integration service covers the API work between the kiosk and each of these, which in a bank normally runs through an infrastructure team and a security review rather than a direct connection.
Regulation, security and accessibility
Card data never touches the kiosk application: the terminal handles it, which keeps the kiosk out of the most demanding part of PCI scope, and the collection solution is built on a PCI-conscious architecture for what remains. Every cash event is logged, local storage is encrypted, tamper and cash-level events raise alerts, and the receipt is the customer's evidence. Regulators in India have long expected banking channels to be usable by senior citizens and persons with disabilities, which means large type, audio prompts, reach-friendly layouts and a regional-language option on the first screen. The blog discusses kiosk security architecture in more depth.
Lobby, vestibule or counter-top
The bank kiosk software runs unchanged on a lobby pedestal, a through-wall unit in an ATM vestibule for out-of-hours collection, or a counter-top token dispenser near the entrance. AtashiTech does not manufacture cash-handling enclosures; the safe, the acceptor and the physical security are the hardware partner's, and the Windows application is installed on the PC inside with lockdown, watchdog restart and a controlled installer.
Across a branch network, the central monitoring platform raises cash-level and paper alerts, shows which units are offline on a regional map, restricts what a field technician can do through role-based access, and flags SLA breaches before the branch calls. Ongoing support runs under an annual maintenance contract through consulting and AMC support.
How a bank kiosk software engagement runs
Quoted per engagement, never from a rate card. Information-security review time is the variable most banks underestimate.
Agree the journeys and the limits
Branch operations, collections and information security decide which transactions the kiosk may perform, the amount limits, the receipt content and what happens on an exception.
Open the test systems
Access to the core banking or LMS test environment is arranged, the payment partner confirms terminal models and PCI boundaries, and screens are designed for a lobby audience by the UI/UX design team.
Build on the bench, then pilot
The application is developed against the real acceptor, terminal and printer on a bench, passes the bank's security review, and runs in a small number of pilot branches with cash counted daily.
Roll out with SOPs and AMC
Branches go live in waves with cash-handling procedures for staff, fleet monitoring is enabled, and the annual maintenance contract covers changes to billers, receipts and regulation thereafter.
Discuss kiosks for your branches
Tell AtashiTech which transactions you want off the counter and which core system sits behind them, and you will receive a scoped proposal for bank kiosk software rather than a brochure. Start through the contact page.
Frequently asked questions
Tell us the journey, the sites and the hardware you already have — every engagement is scoped and quoted individually.