🏧 Smart Choice Technologies · Nationwide network
ATM Banking
on a tested CBS.
Premium CBS connects to the fintech services your members expect. Smart Choice Technologies is Nepal's ATM service provider, joined to the nationwide ATM network used by commercial banks, development banks, finance companies, and cooperatives. We have already integrated SCT ATM services for our clients. If your institution wants to offer ATM service, the platform is ready and tested.
Features
Cards, ATMs, POS,
and the reports behind them.
SCT debit chip card
Issue an SCT debit chip card against the member account in Premium CBS, so cash withdrawal is a core transaction and not a separate register.
Nationwide ATM network
Members reach the SCT ATM network used across Nepal by banks, finances, and cooperatives. Your institution does not have to build a switch of its own.
SCT Report Portal
Open the SCT report portal for the daily report and settlement, so card activity and the CBS ledger can be matched the same day.
Customer Request Management
SCT CRMS is the customer request management system. Card requests, replacements, and member follow-ups stay in one place instead of on paper at the branch.
Deploy your own ATM
Place an ATM at your office or a high-traffic point. It sits on the same SCT connection already linked to Premium CBS.
SCT prepaid chip card
Issue a prepaid chip card when a full deposit account is not the right product, and still keep issuance inside the institution's control.
POS, ecommerce, and mobile commerce
The same card reaches the SCT POS network, ecommerce, and mobile commerce, so members can pay beyond the ATM.
Dispute Management System
SCT DMS is the dispute management system. Questioned ATM or POS transactions are raised and tracked there, with the CBS entry available for the amount and the account.
Deploy your own POS
Run your own point-of-sale device for card acceptance at the counter or with a field team, on the SCT POS network.
How it works
From CBS to the SCT network.
1
Link Premium CBS to SCT
The core is already built to sit with SCT. We connect your institution so card activity, settlement, and member accounts share one platform.
2
Issue the chip card
Staff issue an SCT debit or prepaid chip card. Members then reach ATMs, POS, ecommerce, and mobile commerce. You can also deploy your own ATM or POS.
3
Settle and resolve in SCT's tools
Daily reports and settlement come from the SCT Report Portal. Member requests go through CRMS. Disputed transactions go through DMS, the dispute management system.