Indian Payments Ifrastructure
by Osborne Saldanha
1. Regional Rural Banks
2. Shamrao Vithhal Co-operative Bank
3. Mastercard
4. Banks
4.1. Federal Bank of India
4.2. Euronet Service
4.2.1. Direct Operator Billing
4.2.1.1. Yippster
5. SREI Infrastructure Finance
6. ATM Networks
6.1. Bank of India
6.1.1. Tata Communication Payment Solutions
6.2. White Label ATM's
6.2.1. Radio Frequency ID
6.2.2. Hitachi Payment Services
6.2.2.1. Offline
6.2.2.1.1. Vakrangee
6.2.2.1.2. Point of Sale Devices
6.2.2.1.3. Phone / IVR
6.2.2.1.4. SMS
6.2.2.1.5. Fortumo
6.2.2.1.6. Diners Club
6.2.3. Muthoot Finance
6.2.4. Prizm
6.2.5. National Financial Switch
6.2.6. Punjab National Bank
7. State Bank of India
7.1. ToneTag
8. Radio Wave-based
8.1. National Automated Clearing House
8.2. National Electronic Funds Transfer (NEFT)
8.3. Credit/Debit Card Networks
9. Credit/Debit Card
9.1. ApplePay
9.2. Acquiring Bank
10. Netbanking
11. Banking Systems
11.1. Unified Payments Interface
11.2. Electronic Clearance Service (ECS)
12. Riddhi Siddhi Bullions
13. Near Field Communication
14. National Payments Corporation of India (NPCI)
14.1. Real Time Gross Settlement (RTGS)
14.1.1. Payment Banks
14.1.2. Scheduled Banks
14.1.3. Non-Scheduled Banks
14.1.4. Co-operative Banks
15. Magnetic Wave-based
16. Cheques
17. BTI Payments
18. Sound Wave-based
19. Payment Gateways
19.1. Gift / Loyalty Cards
19.1.1. Semi Closed Wallets
19.2. Citrus
19.3. CCAvenue
20. Closed Wallets
21. Commercial Banks
22. Semi Open Wallets
23. Online
23.1. Issuing Bank
23.1.1. Open Wallets
23.2. Email
23.2.1. PayU Money
23.2.1.1. Prepaid Instruments
23.2.1.1.1. Wallets