About Uselocator
Uselocator, branding name of Uselocator India PVT LTD, is a FINTECH startup company having payments technology and transaction processing, offering a diversified portfolio of software products, payment and software services built over comprehensive experience across payments spectrum. Uselocator, through its innovative products and services, caters to the B2B BC Management and other software initiatives of leading Fintech companies, startups, financial institutions and regulatory bodies. Its end-to-end payments suite powers retail delivery channels such as POS, Mobile, Web and Financial Inclusion as well as critical back-end functions such as User Management, Reconciliation, Settlement, Commercials Management, Device Monitoring and many more critical modules.
Uselocator, India’s leading Urban & Rural FinTech platform, provides digital platform and solutions for companies across India which wants to start their B2B portal along with 2 types of model:
⦁ Act as a SaaS Provider: Need to convert existing model or provide complete project in SaaS model.
⦁ Act as an API provider : Here Uselocator will act as an API provider to other companies.
Along with above models, we have Uselocator Outlet which are offering simple, secure, instant and hassle free Digital Payment and Utility service delivery through Business Correspondent network partnered with various Banks, Operators and Aggregators.
Helping Bharat through Uselocator Digitally
The Indian financial services landscape is changing rapidly, riding on the back of a favorable regulatory environment, investments in the India Stack infrastructure and wide penetration of mobile telephony services. Together these trends have improved financial services access and helped a large segment of entry-level customer enter the financial mainstream.
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With 800M people having bank accounts, driving services adoption and deepening financial inclusion is a high priority for digital financial service providers.
Uselocator Software Specifications…
Add YourUselocator Finclusiv accelerates digital financial innovation to expand the reach and the scope of financial services to the underbanked.
The platform helps bank to profitably achieve demand and supply side efficiencies of scale. Companies working on BC network can achieve critical demand-side efficiencies by delivering doorstep banking services using a network of correspondents. Agents enroll unbanked customers and offer them a full services portfolio including B2C, G2C, BC, account opening, loan, savings, insurance and many more.
Uselocator Finclusiv helps companies to build an expansive merchant network. With Uselocator Finclusiv, companies can target under-penetrated micro-merchant segments, with an efficient technology and commercial framework, easing the way for rapid onboarding and expansion of new acceptance points.
Uselocator Finclusiv Open API Services Hub enables companies to work on SaaS modal and/or expose APIs to a host of partners to develop innovative financial services including BC, B2C, micro-loans, security and micro-insurance. Companies benefit as its embeds their position via expand their network and increase their share of the market without taking any tension of their IT and Infra related things. Heading Text Here
Uselocator Finclusiv…
Why Uselocator?
Finclusiv As-a-Service Accelerates Innovation
Uselocator offers a turnkey managed service solution which includes:
⦁ Finclusiv Software-As-a-Service: Offers companies the flexibility to select service components and tailor services in line with business needs.:
⦁ Finclusiv Marketplace: Uselocator eFinclusiv marketplace brings together terminal vendors, corporate business correspondents, and technology partners for added value services under a single umbrella.
⦁ Finclusiv Backend Services: Uselocator eFinclusiv manages the complete life cycle of the merchant as well as reconciles and settles transactions.
Creates Demand and Supply Side Economies of Scale
Uselocator Finclusiv, addresses company’s and aggregator-side challenges to further adoption of digital payments. Uselocator AEPS, a doorstep banking solution, allows banks to leverage banking correspondents and overcome cost-barriers associated with last mile financial services delivery.
Uselocator AadhaarPay enables financial institutions to build a universal transaction acceptance network. The service converts the mobile into a POS device and enables a large majority of micro- merchants to accept payments using inexpensive Aadhaar-enabled payment rails.
Simplified Company and User Onboarding (On platform & Bank end)
Uselocator Finclusiv leverages the India Stack eKYC and eSign APIs for remote user onboarding on Bank with multiple hierarchy level approval enabling financial service providers to realize significant cost and productivity-related efficiencies.
Extensive Business Dashboards
Extensive business dashboard allows companies and merchants to track measure and take necessary steps to fine-tune business and service performance.
Open APIs Build Pathways to Scale
Uselocator Finclusiv APIs allows companies to enhance their service offerings, improve partner and customer engagement, and build new sources of value.
Uselocator Specification & Features…
Why Uselocator?
Problem With Monolithic Application:-
⦁ The size of the application can slow down the start-up time.
⦁ Application is too large and complex to fully understand and made changes fast and correctly.
⦁ The size of the application can slow down the start-up time.
⦁ This simple approach has a limitation in size and complexity.
⦁ Impact of a change is usually not very well understood which leads to do extensive manual testing.
⦁ Continuous deployment is difficult.
⦁ Monolithic applications can also be difficult to scale when different modules have conflicting resource requirements.
⦁ Another problem with monolithic applications is reliability. Bug in any module (e.g. memory leak) can potentially bring down the entire process. Moreover, since all instances of the application are identical, that bug will impact the availability of the entire application.
⦁ Monolithic applications have a barrier to adopting new technologies. Since changes in frameworks or languages will affect an entire application, it is extremely expensive in both time and cost.
Advantage With Micro Service Application: -
⦁ It tackles the problem of complexity by decomposing application into a set of manageable services which are much faster to develop, and much easier to understand and maintain.
⦁ It enables each service to be developed independently by a team that is focused on that service.
⦁ It reduces barrier of adopting new technologies since the developers are free to choose whatever technologies make sense for their service and not bounded to the choices made at the start of the project.
⦁ Microservice architecture enables each microservice to be deployed independently. As a result, it makes continuous deployment possible for complex applications.
⦁ Microservice architecture enables each service to be scaled independently.
Advantages with Uselocator Finclusiv:
⦁ Micro-services based architecture.
⦁ SSO
⦁ Spring security with JWT
⦁ Code quality with SonarQube pipeline.
⦁ UT with 80% code coverage which minimise production bugs.
⦁ Implements API level cache to improve API performance.
⦁ Integration Testing which gives you end to end automatic testing of APIS.
⦁ Centralized logs with ELK, Easy to track complete request flow.
⦁ Monitoring of application and server using APM tool Apache Sky walking example (what is API is taking more time)
⦁ Circuit Breaker to avoid unwanted API calls to down services.
⦁ Generic code using design pattern (Extendable) so that we can reuse same code for others projects with minimal changes.
Uselocator Software Technologies & Methodology
Uselocator Technologies & Methodology
⦁ Micro services based Architecture
⦁ Project Management Tool : JIRA
⦁ Cloud Provider : AWS, AZURE
⦁ Service Registration : EUREKA
⦁ Load Balancer : NGINX
⦁ Languages : Java17, Springboot, Python, Angular
⦁ Database : MySQL, Mongo DB, AWS RDS
⦁ Cache Management : Redis
⦁ Security : JWT, TLS
⦁ Distributed Tracing : ZIPKIN
⦁ Message Broker : Apache Kafka
⦁ Devops : Jenkins
⦁ Container: Docker
⦁ Container Orchestration : Kubernetes
⦁ Monitoring, Reporting & Alerting : Kibana & other latest
⦁ Centralised Logging : ELK
⦁ API Gateway : Spring Cloud,
⦁ APM Tool : Apache SkyWalking
⦁ API Manager: WSo2 APIM
⦁ Multilingual User Friendly Interface
⦁ Multi factor Authentication & Authorisation for different User Roles
⦁ Http 2.0
Uselocator Reconciliation Suite
Uselocator - BC Model
Last Mile Linkage
Uselocator Finclusiv Modules Offerings
1. Single Sign-On (SSO) Authorization
⦁ SSO for B2B and B2C with support for third-party providers (Google, Facebook, Twitter, etc.
⦁ Role-based user authentication with multi-factor authentication options (SMS OTP, Email OTP, TPIN, Google Authenticator, Face Recognition, Biometric)
⦁ Multi Tenant Login
⦁ Different Login Page or Logo for Tenant based
⦁ JWT Authentication.
2. User Management
⦁ Add/Update/Delete Role Group
⦁ Add/Update/Delete Role
⦁ Add/Update/Delete User
⦁ Dynamic KYC Discussion
⦁ Mapping Of User
⦁ Role based User Onboard limit
⦁ Role Based session count and time management
⦁ Dynamic Role Based
⦁ Onboard Form Mapping
⦁ N level User hierarchy
3. User Access & Scope Management
⦁ Add New Scope In Application
⦁ Add and modify permissions with default admin role settings
⦁ Admin control over API/Module permissions.
4. Workflow Management
⦁ Customizable KYC workflows for various business processes
⦁ Customizable KYC workflows for Role and Group
⦁ N Level Approval Customization
⦁ Application distribution strategies(Round Robin or random) based on Role
5. User Onboarding Management
⦁ Multilevel user hierarchy and dynamic approval levels
⦁ Approval Reports For Admins and Approval users
⦁ KYC Dashboard For Approval Users.
6. Workflow Management
⦁ CRUD operations for entities such as Bank, IFSC Code,
⦁ Deposit Type, State, District, City, Education, Gender, etc.
Dynamic Sub Service URL and Connection Config for each Provider.
⦁ Dynamic Config of commission/ charge/ discount for Sub Service.
7. Routing Management For Transactions
⦁ Configure Rules, Decide Service Provider for sub service During Transactions
⦁ Multiple Rules to select Provider like( Based On highest commission, highest Success rate, Combination of both success rate or On highest commission, Weightage Based Routing etc
⦁ Failover Support configurable like route request to next provider if current provider is falling
⦁ Auto Decide healthy Provider
⦁ Retry Support configurable.
Uselocator Finclusiv Modules Offerings
8. Fee Management
⦁Global Fee Management For BC User (Level 3)
⦁Custom User Fee Management For BC User(Level 3)
⦁Custom User Fee Management For Distributor and Super Distributor and Merchant.
⦁Global Fee Management For Enterprise User (Level 1).
⦁Custom User Management For Enterprise User (Level 1)
⦁Code Can be extended for others levels as well.
9. Offer Management
⦁ Creation of offers based on criteria like religion, area, agent, gender, service, occasion, etc.
⦁ Creation of offers For Distributor and Super Distributor and Merchant.
10. Notification Management
⦁ Configurable Notification(message , email template) For Sub service and others types like User On board , OTP and etc.
⦁ Configurable Channel Like SMS, email, WhatsApp etc for sub service and types.
⦁ Configurable OTP Policy like number of retry, expiry time and resend interval etc.
11. Reports Management
⦁ Transaction Summary for admin , agent , distributor and super distributor and Enterprise Users.
⦁ Wallet Summary(Trade , Commission, Receivable and etc)
12. Admin Dashboard
⦁ Real Times Analytics
⦁ Date Range Selector and Sub service Selector.
⦁ Business summary like amount of Total Business , Total profit , Profit Share and Net Profit
⦁ Top Agent(Transaction Amount) Summary
⦁ Total Count , Success Count , Fail Count and InProgress Summary.
⦁ Top 10 Sub Service based on , Success , Fail and InProgress based on count and amount , Summary
⦁ Top 10 State and District and Pin-Code Business summary.
13. User Dashboard
⦁ Real Times Analytics
⦁ Date Range Selector.
⦁ Total Users Count Summary
⦁ Role Based Count Summary
⦁ State and District and Pin-Code Users Count Summary
⦁ KYC Count Summary like total new application, InProgress Application , Change Request Application, Approved Application and Rejected application
⦁ KYC Summary of total new application, InProgress Application, Change Request Application, Approved Application and Rejected application, Submit Application by Role name and User Id.
14. KYC Dashboard
⦁ Real Times Analytics
⦁ Date Range Selector
⦁ KYC Count Summary like total new application, InProgress Application , Change Request Application, Approved Application, Rejected application, Approved By Me and Rejected By Me.
Uselocator Finclusiv Modules Offerings
15. Dashboard For Transaction Users
⦁ Real Times Analytics
⦁ Date Range Selector and Sub service Selector
⦁ Business summary like amount of Total Business, Total profit, Profit Share and Net Profit.
16. Reconciliation Management
⦁ Reconciliation processes for financial transactions.
17. API Management & Developer Portal
⦁ Onboard Company For API’s
⦁ Dashboard For Company’s
⦁ Developer Portal For API where Company’s can login, generate token, see API documents and download SDK for different platform like java, python and JavaScript.
19. WSO2 API Manager
⦁ Customize wso2 gateway use single token for API and users.
⦁ API Publisher and Admin Portal and Business Rule
⦁ Below API Analytics:
⦁ API Count based summary
⦁ User Access Based summary
⦁ Http Status Based summary
⦁ Application Analytics
⦁ Monitoring dashboard
⦁ Alert Configuration like slow response time , error count etc
20. Application Level Database Auditing
⦁ Centralized Audit logs
⦁ Database Auditing Dashboard for table , database, and user based count summary
⦁ Row version like on click on table row user can see all update row versions of that id
⦁ Supports for both mongo and RDBMS
⦁ Audit can be enable or disable using property files.
21. SAAS Management
⦁ Onboard SAAS Users or Company
⦁ Admin Dashboard for each SAAS user
⦁ A unified admin dashboard for managing all tenants
⦁ Shared server resource management across multiple tenants
22. Biller Gateway(Integration Service With Aggregators )
⦁ Easy development, for example if we want to onboard new service or Aggregators we will write code only for request and response parsing logic, Rest part like wallet debit, credit , charge deduction , commission settlement, reports , wallet summary and dashboard will take care by this service.
23. Server Sharing among Tenants
⦁ Efficient server resource management across multiple tenants, ensuring optimal performance and cost-effectiveness.
⦁ Server sharing management service
⦁ Resource allocation interfaces
Uselocator Finclusiv Modules Offerings
24. Technical Supports
⦁ Supports To setup WSO2 API manager cluster.
⦁ Supports To setup WSO2 SI cluster.
⦁ Support To setup Kafka.
⦁ Support to setup Kubernetes, Docker, Auto Scaling, Liveness Readiness etc.
⦁ Support to setup ELK.
⦁ Support to setup Jenkins and will share pipeline config files.
⦁ Support to setup Nginx.
⦁ Support to setup registry for Maven or Docker file.
⦁ Support on Data Migration to existing to new setup
25. Other Important Offerings
⦁ Network , Solution and Deployment Architecture Diagram
⦁ HLD and LLD Diagram for each service
⦁ Support on current integrated services with new code implementation
⦁ 12 months down the line Hand to Handholding support
⦁ Documentation and Source Code Handover
⦁ Documentation: Comprehensive user manuals, API documentation, and configuration guides for each module. We provide integration document for all micro services modules.
⦁ Source Code: Complete source code with version control, build scripts, and deployment instructions.
Uselocator Finclusiv Modules Offerings
26. Other Criteria
⦁ Service Level Agreement (SLA): Guaranteed uptime, response times, and resolution times.
⦁ Data Security: Compliance with industry standards and regulations for data protection.
⦁ Training: Comprehensive training for your staff on using and managing the product.
⦁ Scalability: Ability to scale the solution as your business grows.
⦁ Future Enhancements: Access to future enhancements and new modules.
⦁ We provide software requirement specification, functional requirement specification and business requirement specification.
⦁We have tested application security internally by various tools or we can audited from third party as well.
⦁ You can audited from any third party for application security and VAPT audit for web and app. If found any bugs so we will fix it.
⦁ Internally we have tested load balancing and performance testing from various tools like Jmeter so we have Analysis strength of 10K TPS.
⦁ Currently we are done mock API Integration on UAT environment.
⦁ In the current architecture not use any block chain technology but in future it can be implemented in existing module.