Complete Micro ATM Solution For Field Banking

Field banking in India has always depended on people for the last mile. Agents who know their members, build relationships, and show up consistently. That human layer is irreplaceable. What has held the model back is everything around it: the paper receipts, the manual ledgers, the end-of-day reconciliation, the absence of real-time records.

The A20 FP with ezPigmy changes that. Together, they form a complete Micro ATM solution, hardware plus software built to work as one system, designed specifically for cooperative banks, Urban Cooperative Banks, Business Correspondents, and field collection teams operating at the last mile.

The hardware module - A20 FP

The A20 FP is a UIDAI L1-certified biometric payment device built for field use. It handles Aadhaar-based fingerprint authentication, integrated payment processing, and daily operational load. This device was made to function effortlessly in the hands of agents who are not IT specialists as well as in environments that are not always cooperative.

L1 certification means biometric encryption happens on the device itself, before data leaves the sensor. Every authentication is secure, every transaction is compliant, and every record is clean from the point of capture.

The form factor is designed for mobility. An agent can carry it through a full field route, authenticate members, process multiple transaction types, and end the day with a complete digital record, without needing a laptop, a stable desk, or technical support nearby.

The software module - ezPigmy

ezPigmy is a pigmy banking and field collection platform built specifically for cooperative banking operations. Running on the A20 FP hardware, it manages the full workflow of a field collection session, from the first member interaction to the final reconciliation.

Recurring deposit and pigmy collections, utility bill payments, loan repayments, UPI transactions via PhonePe, SMS receipts, automatic ledger maintenance, and end-of-day reporting, all handled within the same system, on the same device, without manual intervention.

For the agent, the day becomes simpler. Transactions are guided, receipts are automatic, and the ledger maintains itself. For the branch, field collections are visible in real time, reconciliation is a report rather than a process, and every transaction has a complete audit trail.

What the combination delivers

A Micro ATM solution is only as strong as its weakest layer. Hardware that struggles in field conditions undermines the software built on top of it. Software that reconciles poorly puts the burden back on the agent and the branch.

The A20 FP and ezPigmy are built to complement each other. The hardware provides the certified, reliable capture and payment foundation. The software provides the operational intelligence, collections management, digital payments, receipts, and reporting that makes the device genuinely useful as a banking tool.

For cooperative banks looking to modernise field operations without replacing the agents and relationships that make those operations work, this is what a deployable, practical solution looks like.

Ready to see it in action? Explore the A20 FP and ezPigmy, or drop us a message. We're happy to walk you through a live demonstration.