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. Sound Wave-based
8. State Bank of India
8.1. ToneTag
9. Radio Wave-based
9.1. National Automated Clearing House
9.2. National Electronic Funds Transfer (NEFT)
9.3. Credit/Debit Card Networks
10. Credit/Debit Card
10.1. ApplePay
10.2. Acquiring Bank
11. Netbanking
12. Banking Systems
12.1. Unified Payments Interface
12.2. Electronic Clearance Service (ECS)
13. Riddhi Siddhi Bullions
14. Near Field Communication
15. National Payments Corporation of India (NPCI)
15.1. Real Time Gross Settlement (RTGS)
15.1.1. Payment Banks
15.1.2. Scheduled Banks
15.1.3. Non-Scheduled Banks
15.1.4. Co-operative Banks
16. Magnetic Wave-based
17. Cheques
18. BTI Payments
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