Banking - X Infotech

Banking Solutions

Our software solutions for banks ensure outstanding performance: digital payments, digital identity, biometric enrollment, customer authentication and KYC (Know Your Customer), EMV cards personalization and issuance.

Authentication and Signing

A PKI-based multi-factor solution for governments and financial institutions, enabling citizens to securely access digital services, e-sign documents, and confirm transactions via mobile.

Digital Onboarding

Streamlines customer enrollment to improve efficiency, reduce costs, mitigate risks, and ensure compliance, complemented by Video Customer Identification to optimize services and cut waiting times.

Digital ID Wallet

Extends physical IDs into a secure mobile credential, allowing citizens to share verified ID data with authorities like police or border control while retaining control over shared information.

Merchant SoftPOS Application

Enables small merchants to accept contactless card payments directly on smartphones, offering a cost-efficient, native solution for mobile payment acceptance.

Smart POS Firmware

An Android-based application supporting payments, QR transactions, onboarding, loyalty, reporting, and more, compatible with vendors like Sunmi, Castles, and NexGo—empowering banks to build their own acquiring ecosystems.

E-commerce Payment Gateway

Enables end-to-end payment processing for online merchants, covering onboarding, transactions, settlements, and accounting across selected channels.

Merchant Portal

A self-service web platform for merchants to track transactions, monitor branch performance, and access detailed reports on turnover, refunds, and transaction history.

Merchant Management

Collects, stores, and manages merchant data, supporting commission setup, settlements, multi-level hierarchies, transaction rules, and more.

Terminal Management System (TMS)

Centralizes administration and monitoring of multi-vendor POS and SmartPOS devices, built on the Omni-Channel Platform with web-based interfaces for full control.

Biometric Verification Tools

Validates client identity through fingerprints, face, iris, or voice with PAD checks, supporting operator, mobile, and customer devices, and integrating with centralized Biometric Identity Management.

ABIS

AFIS/ABIS stores and matches biometric data—fingerprints, face, iris, and palm—for identity verification and deduplication. The vendor-independent system delivers fast, accurate multimodal comparisons across large databases, with expert adjudication for duplicates.

Biometric Identity Management

Biometric Identity Management processes and manages biometric data for secure identity management, supporting quality checks, verification, identification, and expert-led deduplication, with REST API integration.

Case Studies

EMV personalization project for a bank in Azerbaijan

PIN generation solution for a bank

PIN management solutions for Tag Systems, Latvia

EMV Card Personalization Solution

Upgrade of EMV card issuing platform for First Investment Bank, Bulgaria

Electronic ID card project for a bank in Africa

In-house EMV card issuance solution for Insignia Cards, Malta

EMV personalization and PIN generation solution for Hlynov Bank, Russia

Smart card project for Eastern Bank Limited

EMV Card Personalization Solution for Kazakhstan

Empowering Secure Digital Solutions for Governments and Banks.

With a focus on innovation, flexibility, and trust, X Infotech delivers tailored solutions for digital identities, secure payments, and e-governance. Trusted by clients in over 60 countries.